Health Insurance Carriers in Minnesota (MN)

Health Insurance Carriers in Minnesota

Minnesota’s health insurance carriers offer different plans than those that available from carriers in other states. We have compiled some of the details below for your convenience. Check out the links to recommended carriers, and review some of the restrictions and benefits available to you as a resident of Minnesota.

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Health Insurance Providers in Minnesota

Assurant Health (Formerly Fortis)
Blue Cross and Blue Shield of Minnesota
HealthPartners
Medica
Security Life

Group Health Insurance in Minnesota

• Qualified applicants cannot be turned away for health reasons.
• Life changes relating to family problems and job changes can affect opportunities for group health.
• An employer can withhold group health coverage. In the case of a pre-existing condition, a new provider can impose an exclusion period for up to 12 months.
• If continuous coverage is maintained with no breaks longer than 63 days, credit for the exclusion period on the pre-existing condition may apply.
• A provider is allowed to review medical history for the six months prior to coverage.

Small Business Health Insurance in Minnesota

• Small businesses with up to 50 employees may apply for group coverage and not be denied.
• If someone in the employee group is sick, coverage cannot be cancelled.
• Price of premiums is not limited and may be raised based on conditions of the group.

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Self-Employed Health Insurance in Minnesota

• The self-employed may not buy group health coverage.
• Contact the Minnesota Division of Insurance for regulations associated with businesses or professional organizations who offer acquiring group insurance.

Minnesota Division of Insurance
85 Seventh Place East, Suite 500
St. Paul, MN 55101
(651) 297-7161
www.state.mn.us/cgi-bin/portal/mn/jsp/home.do?agency=Commerce

Individual Health Insurance in Minnesota

• An insurance company may deny coverage based on medical problems.
• Providers may impose an exclusion period of up to 12 months for pre-existing conditions.
• No elimination riders may be attached to an individual policy for pre-existing conditions.
• Premiums of individual policies may be high, depending on health problems.
• Coverage can not be cancelled due to illness.
• Conversion policies are available in the case of job changes and if full group coverage was dropped.

Minnesota Health Care Programs

• Minnesota Comprehensive Health Association assists those who have expensive health problems.
• Medicaid and MinnesotaCare are available for low income residents.
• Several other statewide programs are available for residents.

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