MNsure: Plan Rates for 2015

8/11/2019 MNsure: Plan Rates for 2015

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Health Care Coverageand Plan Rates for 2015

A Snapshot of 2015 Premiums and

Tax Credits


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Table of Contents

A Word about Rates ........................................................................................... 1

Executive Summary ............................................................................................ 2

The Only Place to Get Financial Help .............................................................. 3

Shop and Compare............................................................................................ 3

Minnesotans Eligible for MNsure ........................................................................ 3

What You Need to Know about MNsure Plans ............................................... 4

How Financial Assistance is Calculated ........................................................... 5

Small Business Premium Tax Credit Calculation............................................... 6

Benets Included in All MNsure Health Plans................................................... 6

MNsure Health Insurance Plan Rates by Region............................................. 7

2015 Premium Scenarios..................................................................................... 8

2015 Premium Scenarios..................................................................................... 9

Area 1 - Plan Cost Scenarios ............................................................................ 10


Area 3 - Plan Cost Scenarios ............................................................................ 26Area 4 - Plan Cost Scenarios ............................................................................ 34






SHOP Plan Costs ................................................................................................ 82


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Health Care Coverage and Plan Rates for 2015 1

A Word about Rates

Each year, after a rate review pocess with the Minnesota Department of Commerce, healthinsurance companies across the state determine what plans they will offer to consumersinside and outside the Minnesota health insurance marketplace (MNsure). Plans are offered indifferent geographic rating areas and in multiple categories: platinum, gold, silver, bronze and

catastrophic. In addition, income levels and family size can make Minnesotans eligible for apublic health care program (Medical Assistance or MinnesotaCare), or other forms of nancialhelp such as a tax credit (Advanced Premium Tax Credit) or a Cost Sharing Reduction.

For 2015, there are a total of 84 plans offered in the individual and family market on MNsure.Because a consumers premium cost varies by region, health insurance plan, age, tobacco usestatus, income and family size, this document is intended only as a snapshot of a consumerscost. It is not intended to provide Minnesotans with their exact premium cost, tax credit or CostSharing Reduction. Plan data reected in this document is the lowest possible premium in eachrating area. (These premiums might not be available in every county in a rating area.)

This document includes a snapshot of premiums and tax credits for individuals and employersacross the state as well as for families of four.

The family calculation was done based on two adults age 42 and two children under 18 yearsold. This differs from last years family scenarios which were based on 40-year-old adults.

Shop and CompareMNsure is the only place where consumers can shop and compare plans, as well as qualify fornancial help either through federal tax credits or MinnesotaCare and Medical Assistance tohelp pay the cost of their health insurance plan.


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Executive Summary

Open Enrollment begins November 15, 2014Open enrollment for 2015 coverage runs November 15, 2014 - February 15, 2015. The vastmajority of Minnesota residents can enroll in a MNsure plan during this time. Enrollment isavailable year-round for consumers who are eligible for MinnesotaCare or Medical Assistance,members of federally-recognized Indian tribes, and participants in the Small Business HealthOptions Program (SHOP).

The Amount of Advanced Premium Tax Credit (APTC) Will IncreaseThe benchmark premium from 2014 to 2015 increased across almost all parts of the state. Thismeans that more consumers will qualify for and receive tax credits. This will reduce consumersmonthly health insurance premiums for 2015 from what their costs would otherwise be.

More Plans Available

The total number of individual market plans available statewide increased from 78 in 2014, to 84in 2015. The number of plans available in each county range from 26 - 72, with at least two plansin every metal level represented.

Five Minnesota-Based Carriers Offering PlansMNsure will have ve Minnesota-based carriers offering health insurance plans. Health carriersinclude: Blue Cross and Blue Shield of Minnesota, HealthPartners, Medica, UCare and BluePlus.


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Many Minnesotans will qualify for no-cost or low-cost plans. MNsure is the only place thisnancial help is available.

Financial help is available to help cover the cost of health care insurance premiums for

qualifying individuals and small businesses.

Advanced Premium Tax CreditAn Advanced Premium Tax Credit (APTC) is an immediate discount on your health insurancepremium. Your APTC will be deducted from your monthly premium, leaving you to only paythe difference. A Cost Sharing Reduction (CSR) is a reduction on the amount of co-pay and/ordeductible you are responsible for. CSR varies depending on the plan you select.

Shop and Compare

MNsure is the only place where consumers can shop and compare plans, as well as qualifyfor nancial help either through federal tax credits or MinnesotaCare and Medical Assistanceprograms to help pay the cost of their health insurance plan.

Minnesotans Eligible for MNsure

Most Minnesota residents are eligible to purchase health insurance coverage through MNsure.This one-stop health insurance marketplace offers coverage through private health insurancecompanies to individuals and small businesses with 50 or fewer employees.

Individuals without access to affordable employer-based health care coverage who meetincome requirements* and small businesses with 25 or fewer employees earning $50,000 or lesson average will qualify for premium assistance (tax credits). MNsure also will provide access tono-cost and low-cost coverage through Medical Assistance and MinnesotaCare.

Since October 1, 2013, more than 340,000 Minnesotans have enrolled in quality, affordablehealth insurance coverage through MNsure. Now more than 95% of Minnesotans are covered.

Free In-Person Help Is Available

MNsure ContactCenter

1-855-3-MNSURE (855-

366-7873)Fully trained specialistsavailable to answer yourquestions through a toll-free hotline.

Navigators

Individuals from trustedorganizations trained toprovide free face-to-faceapplication and enrollmentassistance.

Agents andBrokers

Trained and licensedprofessionals offering freeface-to-face enrollmentassistance and advice tohelp you select a plan.

Find certied navigators, agents and brokers near you.Go to MNsure.org, Keyword: Assister Directory

The Only Place to Get Financial Help

* Exceptions: individuals without proper immigration status and incarcerated individuals.


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What You Need to Know about MNsure Plans

When applying through MNsure, you can decide whether you would like to apply for nancialassistance. If so, you will be determined eligible for one of three possible plan types: MedicalAssistance, MinnesotaCare or a Qualied Health Plan (QHP). This eligibility is determined basedon your household size and income.

What is a Qualifed Health Plan (QHP)?A QHP is an insurance policy from a private company. If you qualify for a QHP, you will be ableto select a company you wish to purchase from, as well as the level of coverage that ts yourneeds. All MNsure health insurance plans must design their cost-sharing (deductibles, copays,coinsurance) to t specic levels of coverage. The levels of coverage are dened as follows:

Bronze level: the plan must cover 60% of expected costs for the average individual

Silver level: the plan must cover 70% of expected costs for the average individual

Gold level: the plan must cover 80% of expected costs for the average individual

Platinum level:the plan must cover 90% of expected costs for the average individual

What is Medical Assistance?Medical Assistance is Minnesotas Medicaid health care program for children and families,pregnant women and adults without children. People 65 or older and people who havedisabilities may also be eligible for Medical Assistance. There is no monthly cost for enrollees onMedical Assistance.

Again this year, adults with incomes up to 133 percent of the federal poverty level and pregnantwomen and children with family incomes up to 275 percent of the federal poverty level areeligible for Medical Assistance. Eligibility and enrollment for Medical Assistance will be availablethrough MNsure, excluding those over the age of 65 or those with disabilities.

What is MinnesotaCare?MinnesotaCare is a subsidized health care coverage program for lower income Minnesotanswithout access to affordable employer-based health care coverage and who are not eligiblefor Medical Assistance. Enrollees pay a monthly premium, determined by a sliding-fee scalebased on family size and income.

Adults with incomes between 133 percent and 200 percent of the federal poverty levelare eligible for MinnesotaCare. Eligibility and enrollment for MinnesotaCare is availablethrough MNsure.

Jamison, 31

The overall experience was really good

Jamison found a plan on MNsure for himselfthat t his needs. He was also able to ndcoverage for his infant son through MedicalAssistance, bringing him quality coverageat no cost.


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How Financial Assistance is Calculated

Through MNsure some individuals and families may qualify for nancial help through tax creditsthat will immediately lower the cost to consumers for private health insurance. Financial helpalso may be available through no-cost or low-cost coverage under Medical Assistance orMinnesotaCare.

The amount of premium assistance available to individuals and families depends on income,age, and geographic area. Premium assistance is calculated based on where an individualsannual income falls on the federal poverty level (FPL) table as well as the cost of a benchmarkpremium. Below is a table that shows the income limits for various types of nancial assistanceavailable through MNsure.

Below is a breakdown of what information is used tocalculate the nal cost to consumers. In general, theless income an individual or family makes, the less theywill have to pay for health insurance and the more taxcredit they will receive. Tax credits may be applied toall individual plans except catastrophic plans.

People inhousehold

Annual Income

(up to)Annual Income




(above)

1 $15,521 $23,340 $32,092 $46,680 $46,680

2 $20,920 $31,460 $43,257 $62,920 $62,920

3 $26,320 $39,580 $54,422 $79,160 $79,160

4 $31,720 $47,700 $65,587 $95,400 $95,400

5 $37,120 $55,820 $76,752 $111,640 $111,640

6 $42,520 $63,940 $87,917 $127,880 $127,880

7 $47,919 $72,060 $99,082 $144,120 $144,120

8 $53,319 $80,180 $110,247 $160,360 $160,360

For each

additional

person add

$5,399 $8,120 $11,165 $16,240

MedicalAssistance foradults: $0/month

premium

MinnesotaCarefor adults: upto $50/month

premium

Tax credits for private coverage forsome adults. Monthly premium as

low as $0 after tax credits.

Private coveragewith monthly

premiums thatvary depending

on plan. Noteligible for tax

credits.

Medical Assistance for children ages 0 to 18 andpregnant women: $0/month premium. Slightly higher

income limits apply for infants under age 2 andpregnant women.

Tax credits forprivate coveragefor some children

Ying, 61

Ying is happy that he now has health insurance so he can go to the hospital

with peace of mind and doesnt have to worry about paying too much.


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Small Business Premium Tax Credit Calculation

Small businesses with 25 or fewer employees who earn $50,000 or less on average will qualify forpremium tax credits. Small business premium tax credits will only be available for health carecoverage purchased through MNsure.

To be eligible for the small business premium tax credit, employers must contribute at least 50percent of the premium. The tax credit is determined on a sliding scale based on the number ofemployees and average employee wage. The small business premium tax credit may equal upto 50 percent of the employer paid portion of the premium.

Benefts Included in All MNsure Health Plans

All plans offered in the MNsure marketplace include new consumer protections guaranteed bythe federal Affordable Care Act, such as:

No discrimination based on pre-existing conditions or gender

No annual dollar limit on coverage

No lifetime limit on coverage

A cap on out-of-pocket costs

Allowing young adults to stay on their parents health plan until age 26, unless they haveaccess to coverage through their employer

Requiring that 80-85 cents of every dollar you pay for health insurance is spent on deliveringor improving health care or you get a refund from your insurance company

Providing consumers a standard, plain language summary of their plan

All plans offered in the MNsure marketplace cover:

A broad range of essential services, including doctor visits, hospital stays, maternity care,emergency room care, prescription drugs, free preventive care, and more.

Preventive services at no cost to you. These services include things like blood pressureand diabetes screenings; cancer screenings such as mammograms and colonoscopies;vaccinations; u shots and more.

Medical Assistance and MinnesotaCare is offered through MNsure and continues to include thecomprehensive benets available through these programs today.

I did not think I would qualify for nancialassistance.

Minnesotans that may have previously been deniedcoverage like MinnesotaCare or Medical Assistance

may now qualify due to changes in eligibility rules.

Shari, 52


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There are 9 insurance rate pricing regions in Minnesota

DodgeFillmoreFreebornGoodhueHoustonMowerOlmstedSteeleWabashaWinona

Big StoneChippewaKandiyohiLac Qui ParleLyonMcLeodMeekerRenville

SibleySwiftYellow Medicine

AitkinBeltramiCassChisagoCrow WingHubbardIsantiKanabecMille LacsMorrisonPineRoseauToddWadena

MNsure Health Insurance Plan Rates by Region

CarltonCookItascaKoochichingLakeLake of the WoodsSt. Louis

Blue EarthFaribaultWasecaLe SueurMartinNicolletRiceWatonwan

AnokaBentonCarverDakotaHennepinRamseyScottSherburneStearnsWashingtonWright

ClearwaterKittsonMahnomenMarshallNormanPenningtonPolkRed Lake

BrownCottonwoodJacksonLincolnMurrayNoblesPipestoneRedwood

Rock

BeckerClayDouglasGrantOtter TailPopeStevensTraverse

Wilkin

Area 4 Area 5 Area 6




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Rating Area 1

Julie, 40, Rochester

Last year, Julie only had 14

MNsure plans to choose from.

This year, she will have more

than double the number of

plans to choose from, and the

premium on her silver plan will

decrease by about 6%.

Rating Area 9

Ken, 40, E. Grand ForksKen works at a small business

and gets his health insurance

through MNsure SHOP. Ken

purchased the lowest cost

platinum plan in 2014 and would

like to keep the same level of

coverage this year. In 2015, by

purchasing the lowest costplatinum plan available, hell see a

15% decrease in his premium.

Rating Area 8

Miguel, 25, St. Paul

Miguels bronze plan premiumwill increase $20/month in 2015.

However, this year he will qualifyfor a tax credit of $20/month,which means hell pay the sameas he did last yearfor a bronzelevel plan.

2015 Premium Scenarios

* These scenariosare real, thesepeople are not.

*


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Rating Area 5

Frank, 60, Granite Falls

Last year, Frank qualified for a taxcredit that lowered his monthlypremium by $263/month.

This year, his tax credit is goingup to $361/month. Thats nearly$1,200 in additional tax creditsfor 2015.

2015 Premium Scenarios

Rating Area 2

Sara, 32, Grand MaraisLast year, Sara only had 12

MNsure plans to choose from, none

of which were platinum level plans.

This year, Sara will be able to

choose from 34 different plans,

more than doubling her plan

options.Sara will also be able tochoose from at least two different

plans in each metal level.

Allison, 36, St. Cloud

Allison has a chronic health

condition and uses her insurance

on a regular basis. For the firsttime ever, she will be able to

choose a plan on MNsure that

does not carry a deductible.

This will cost her less

out-of-pocket each time she

uses her new plan.Rating Area 8

* These scenariosare real, thesepeople are not.

*


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The tables below provide the lowest monthly cost of health insurance for a 25-year-old individualliving in the region shown on the map above, based on annual income (a county listing foreach region can be found on page 7). You can see if you qualify for no-cost or low-costprograms like Medical Assistance and MinnesotaCare, or if you are eligible for nancial helpthat will lower your monthly premium.

Key Facts Individuals with annual incomes of up to $15,521 qualify for Medical Assistance Individuals with annual incomes of $15,522 to $23,340 qualify for MinnesotaCare Individuals with annual incomes of $23,341 to $46,680 are eligible for nancial

help, see page 5 for more information

25 YEAR OLD - AREA 1

CATASTROPHIC PLAN - 25 YEAR OLD

Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680

MONTHLY PLANCOST

n/aMedical Assistance

n/aMinnesotaCare $128 $128

PREMIUMASSISTANCE


n/aMinnesotaCare NONE NONE

CONSUMER COST $0 $21 - $50 $128 $128

BRONZE PLAN - 25 YEAR OLD


MONTHLY PLANCOST



PREMIUMASSISTANCE


n/aMinnesotaCare $99 to 0 NONE

CONSUMER COST $0 $21 - $50 $95 to $194 $194

DodgeFillmoreFreebornGoodhueHouston

MowerOlmstedSteeleWabashaWinona

Area 1 Counties


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40 YEAR OLD - AREA 1 (continued)

GOLD PLAN - 40 YEAR OLD


MONTHLY PLANCOST



PREMIUMASSISTANCE


n/aMinnesotaCare $159 - $0 NONE

CONSUMER COST $0 $21 - $50 $165 - $324 $324

PLATINUM PLAN - 40 YEAR OLD


MONTHLY PLANCOST



PREMIUMASSISTANCE


n/aMinnesotaCare $159- $0 NONE

CONSUMER COST $0 $21- $50 $230 - $389 $389


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The tables below provide the lowest monthly cost of health insurance for a 60-year-old individualliving in the region shown on the map above, based on annual income (a county listing for eachregion can be found on page 7). You can see if you qualify for no-cost or low-cost programslike Medical Assistance and MinnesotaCare, or if you are eligible for nancial help that will loweryour monthly premium.






MONTHLY PLANCOST



PREMIUMASSISTANCE



CONSUMER COST $0 $21 - $50 $48 - $296 $524

SILVER PLAN - 60 YEAR OLD


MONTHLY PLANCOST



PREMIUMASSISTANCE



CONSUMER COST $0 $4 -$50 $122 - $370 $598



Area 1 Counties


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MONTHLY PLANCOST



PREMIUMASSISTANCE



CONSUMER COST $0 $21 - $50 $210 - $459 $687



MONTHLY PLANCOST



PREMIUMASSISTANCE



CONSUMER COST $0 $21 - $50 $349 - $598 $826


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The tables below provide the lowest monthly cost of health insurance for a family of four livingin the region shown on the map above, based on annual income (a county listing for eachregion can be found on page 7). You can see if you qualify for no-cost or low-cost programslike Medical Assistance and MinnesotaCare, or if you are eligible for nancial help that will loweryour monthly premium.



FAMILY OF FOUR - AREA 1

SILVER PLAN - FAMILY OF FOUR

Income upto $31,720 $31,721- $47,700 $47,701 - $65,587 $65,588- $95,400 Above$95,400

Kids Parents Kids Parents

MONTHLYPLAN COST n/a n/a n/a n/a $584 $977 $977

PREMIUMASSISTANCE

MedicalAssistance

MedicalAssistance

Minnesota-Care

MedicalAssistance $475 - $245 $638 - $361 NONE

CONSUMERCOST $0 $0 $42 - $100 $0 $109 - $339 $339 - $616 $977

BRONZE PLAN - FAMILY OF FOUR

Income up

to $31,720 $31,721- $47,700 $47,701 - $65,587

$65,588- $

95,400

Above

$95,400



PREMIUMASSISTANCE

MedicalAssistance

MedicalAssistance

Minnesota-Care


CONSUMERCOST $0 $0 $42 - $100 $0 $37 - $267 $219 - $496 $857



Area 1 Counties


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FAMILY OF FOUR - AREA 1 (continued)

GOLD PLAN - FAMILY OF FOUR

Income upto $31,720 $31,721- $47,700 $47,701 - $65,587

$65,588- $95,400

Above$95,400


MONTHLYPLAN COST n/a n/a n/a n/a $671 $1,122 $1,122

PREMIUMASSISTANCE

MedicalAssistance

MedicalAssistance

Minnesota-Care


CONSUMERCOST $0 $0 $42 - $100 $0 $196 - $426 $484 - $761 $1,122

PLATINUM PLAN - FAMILY OF FOUR

Income up

to $31,720 $31,721- $47,700 $47,701 - $65,587

$65,588- $

95,400

Above

$95,400



PREMIUMASSISTANCE

MedicalAssistance

MedicalAssistance

Minnesota-Care


CONSUMERCOST $0 $0 $42 - $100 $0 $332 - $562 $711 - $988 $1,349


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25 YEAR OLD AREA - 2 (continued)



MONTHLY PLANCOST



PREMIUMASSISTANCE



CONSUMER COST $0 $21 - $50 $103 - $161 $161



MONTHLY PLANCOST



PREMIUMASSISTANCE



CONSUMER COST $0 $21 - $50 $129 - $188 $188

PLATINUM PLAN - 25 YEAR OLDIncome up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680

MONTHLY PLANCOST



PREMIUMASSISTANCE



CONSUMER COST $0 $21 - $50 $192 - $251 $251


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MONTHLYPLAN COST



PREMIUMASSISTANCE



CONSUMERCOST $0 $21 - $50 $97 - $206 $206



MONTHLYPLAN COST



PREMIUMASSISTANCE



CONSUMERCOST $0 $21 - $50 $104 - $213 $213

CarltonCookItascaKoochiching

LakeLake of the WoodsSt. Louis

Area 2 Counties


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MONTHLYPLAN COST



PREMIUMASSISTANCE



CONSUMERCOST $0 $21 - $50 $130 - $239 $239



MONTHLYPLAN COST



PREMIUMASSISTANCE



CONSUMERCOST $0 $21 - $50 $210 - $319 $319


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MONTHLYPLAN COST



PREMIUMASSISTANCE



CONSUMERCOST $0 $21 - $50 $62 - $310 $431



MONTHLYPLAN COST



PREMIUMASSISTANCE



CONSUMERCOST $0 $21 - $50 $67 - $316 $436



Area 2 Counties


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MONTHLYPLAN COST



PREMIUMASSISTANCE



CONSUMERCOST $0 $21 - $50 $138 - $387 $507



MONTHLYPLAN COST



PREMIUMASSISTANCE



CONSUMERCOST $0 $21 - $50 $309 - $557 $678


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The tables below provide the lowest monthly cost of health insurance for a family of four living inthe selected region shown in orange above, based on annual income (a county listing for eachregion can be found on page 7). You can see if you qualify for no-cost or low-cost programslike Medical Assistance and MinnesotaCare, or if you are eligible for nancial help that will loweryour monthly premium.





Income up

to $31,720 $31,721- $47,700 $47,701 - $65,587

$65,588- $

95,400

Above

$95,400



PREMIUMASSISTANCE

MedicalAssistance

MedicalAssistance

Minnesota-Care


CONSUMERCOST $0 $0 $42 - $100 $0 $97 - $326 $225 - $501 $545


Income upto $31,720 $31,721- $47,700 $47,701 - $65,587

$65,588- $95,400

Above$95,400



PREMIUMASSISTANCE

MedicalAssistance

MedicalAssistance

Minnesota-Care


CONSUMERCOST $0 $0 $42 - $100 $0 $197 - $426 $392 - $668 $712



Area 2 Counties


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Income upto $31,720 $31,721- $47,700 $47,701 - $65,587

$65,588- $95,400

Above$95,400



PREMIUMASSISTANCE

MedicalAssistance

MedicalAssistance

Minnesota-Care


CONSUMERCOST $0 $0 $42 - $100 $0 $267 - $496 $508 - $784 $828


Income up

to $31,720 $31,721- $47,700 $47,701 - $65,587

$65,588- $

95,400

Above

$95,400



PREMIUMASSISTANCE

MedicalAssistance

MedicalAssistance

Minnesota-Care


CONSUMERCOST $0 $0 $42 - $100 $0 $433 - $662 $787 - $1,063 $1,107


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MONTHLY PLANCOST



PREMIUMASSISTANCE



CONSUMER COST $0 $21 - $50 $115 $115



MONTHLY PLANCOST



PREMIUMASSISTANCE



CONSUMER COST $0 $21 - $50 $95 - $158 $158

Blue EarthFaribaultWasecaLe Sueur

MartinNicolletRiceWatonwan

Area 3 Counties


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MONTHLY PLANCOST



PREMIUMASSISTANCE



CONSUMER COST $0 $21 - $50 $119 - $182 $182



MONTHLY PLANCOST



PREMIUMASSISTANCE



CONSUMER COST $0 $21 - $50 $147 - $210 $210



MONTHLY PLANCOST



PREMIUMASSISTANCE



CONSUMER COST $0 $21 - $50 $174 - $238 $238


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The tables below provide the lowest monthly cost of health insurance for a 40-year-old individualliving in the egion shown on the map above, based on annual income (a county listing for eachregion can be found on page 7). You can see if you qualify for no-cost or low-cost programslike Medical Assistance and MinnesotaCare, or if you are eligible for nancial help that will loweryour monthly premium.






MONTHLY PLANCOST



PREMIUMASSISTANCE



CONSUMERCOST $0 $21 - $50 $89 - $202 $202



MONTHLY PLANCOST



PREMIUMASSISTANCE



CONSUMERCOST $0 $21 - $50 $118 - $231 $231



Area 3 Counties


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MONTHLY PLANCOST



PREMIUMASSISTANCE



CONSUMERCOST $0 $21 - $50 $154 - $267 $267



MONTHLY PLANCOST



PREMIUMASSISTANCE



CONSUMERCOST $0 $21 - $50 $190 - $303 $303


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The tables below provide the lowest monthly cost of health insurance for a 60-year-old individualliving in the selected region shown in orange above, based on annual income (a county listingfor each region can be found on page 7). You can see if you qualify for no-cost or low-costprograms like Medical Assistance and MinnesotaCare, or if you are eligible for nancial help thatwill lower your monthly premium.






MONTHLY PLANCOST



PREMIUMASSISTANCE



CONSUMERCOST $0 $21 - $50 $49 - $298 $428



MONTHLY PLANCOST



PREMIUMASSISTANCE



CONSUMERCOST $0 $21 - $50 $112 - $361 $491



Area 3 Counties


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The tables below provide the lowest monthly cost of health insurance for a family of four living inthe region shown on the map above, based on annual income (a county listing for each regionis on page 7). You can see if you qualify for no-cost or low-cost programs like Medical Assistanceand MinnesotaCare, or if you are eligible for nancial help that will lower your monthly premium.





Income up

to $31,720 $31,721- $47,700 $47,701 - $65,587

$65,588- $

95,400

Above

$95,400



PREMIUMASSISTANCE

MedicalAssistance

MedicalAssistance

Minnesota-Care


CONSUMERCOST $0 $0 $42 - $100 $0 $179 - $410 $362 - $639 $699


Income up

to $31,720 $31,721- $47,700 $47,701 - $65,587

$65,588- $

95,400

Above

$95,400



PREMIUMASSISTANCE

MedicalAssistance

MedicalAssistance

Minnesota-Care


CONSUMERCOST $0 $0 $42 - $100 $0 $241 - $472 $465 - $742 $802



Area 3 Counties


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36/85








MONTHLY PLANCOST



PREMIUMASSISTANCE



CONSUMER COST $0 $21 - $50 $130 $130



MONTHLY PLANCOST



PREMIUMASSISTANCE



CONSUMER COST $0 $21 - $50 $98 - $155 $155

BrownCottonwoodJacksonLincolnMurray

NoblesPipestoneRedwoodRock

Area 4 Counties


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MONTHLY PLANCOST



PREMIUMASSISTANCE



CONSUMER COST $0 $21 - $50 $121 - $178 $178



MONTHLY PLANCOST



PREMIUMASSISTANCE



CONSUMER COST $0 $21 - $50 $149 - $206 $206



MONTHLY PLANCOST



PREMIUMASSISTANCE



CONSUMER COST $0 $21- $50 $176 - $233 $233


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MONTHLY PLANCOST



PREMIUMASSISTANCE



CONSUMERCOST $0 $21 - $50 $92 - $198 $198



MONTHLY PLANCOST



PREMIUMASSISTANCE



CONSUMERCOST $0 $21 - $50 $121 - $227 $227




Area 4 Counties


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MONTHLY PLANCOST



PREMIUMASSISTANCE



CONSUMERCOST $0 $21 - $50 $156 - $262 $262



MONTHLY PLANCOST



PREMIUMASSISTANCE



CONSUMERCOST $0 $21 - $50 $191 - $297 $297


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MONTHLY PLANCOST



PREMIUMASSISTANCE



CONSUMERCOST $0 $21 - $50 $56 - $305 $420



MONTHLY PLANCOST



PREMIUMASSISTANCE



CONSUMERCOST $0 $21 - $50 $118 - $367 $482




Area 4 Counties


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MONTHLY PLANCOST



PREMIUMASSISTANCE



CONSUMERCOST $0 $21 - $50 $193 - $442 $557



MONTHLY PLANCOST



PREMIUMASSISTANCE



CONSUMERCOST $0 $21 - $50 $267 - $516 $631


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Income up

to $31,720 $31,721- $47,700 $47,701 - $65,587

$65,588- $

95,400

Above

$95,400



PREMIUMASSISTANCE

MedicalAssistance

MedicalAssistance

Minnesota-Care


CONSUMERCOST $0 $0 $42 - $100 $0 $186 - $410 $373 - $650 $685


Income upto $31,720 $31,721- $47,700 $47,701 - $65,587 $65,588- $95,400 Above$95,400



PREMIUMASSISTANCE

MedicalAssistance

MedicalAssistance

Minnesota-Care


CONSUMERCOST $0 $0 $42 - $100 $0 $247 - $471 $475 - $752 $787

The tables below provide the lowest monthly cost of health insurance for a familly of four livingin the region shown on the map above, based on annual income (a county listing for eachregion can be found on page 7). You can see if you qualify for no-cost or low-cost programslike Medical Assistance and MinnesotaCare, or if you are eligible for nancial help that will loweryour monthly premium.



Area 4 Counties


43/85




Income upto $31,720 $31,721- $47,700 $47,701 - $65,587

$65,588- $95,400

Above$95,400



PREMIUMASSISTANCE

MedicalAssistance

MedicalAssistance

Minnesota-Care


CONSUMERCOST $0 $0 $42 - $100 $0 $320 - $544 $597 - $874 $909


Income up

to $31,720 $31,721- $47,700 $47,701 - $65,587

$65,588- $

95,400

Above

$95,400



PREMIUMASSISTANCE

MedicalAssistance

MedicalAssistance

Minnesota-Care


CONSUMERCOST $0 $0 $42 - $100 $0 $392 - $616 $718 - $995 $1,030


44/85








MONTHLY PLANCOST



PREMIUMASSISTANCE



CONSUMER COST $0 $21 - $50 $116 $116



MONTHLY PLANCOST



PREMIUMASSISTANCE



CONSUMER COST $0 $21 - $50 $97 - $152 $152

Big StoneChippewaKandiyohiLac Qui ParleLyonMcLeod

MeekerRenvilleSibleySwiftYellow Medicine

Area 5 Counties


45/85





MONTHLY PLANCOST



PREMIUMASSISTANCE



CONSUMER COST $0 $21 - $50 $122 - $177 $177



MONTHLY PLANCOST



PREMIUMASSISTANCE



CONSUMER COST $0 $21 - $50 $149 - $204 $204


MONTHLY PLANCOST



PREMIUMASSISTANCE



CONSUMER COST $0 $21 - $50 $177 - $232 $232


46/85







MONTHLY PLANCOST



PREMIUMASSISTANCE



CONSUMER COST $0 $21 - $50 $89 - $193 $193



MONTHLY PLANCOST



PREMIUMASSISTANCE



CONSUMER COST $0 $21 - $50 $121- $225 $225




Area 5 Counties


47/85





MONTHLY PLANCOST



PREMIUMASSISTANCE



CONSUMER COST $0 $21 - $50 $191 - $295 $295



MONTHLY PLANCOST



PREMIUMASSISTANCE



CONSUMER COST $0 $21 - $50 $156 - $260 $260


48/85


The tables below provide the lowest monthly cost of health insurance for a 60-year-old individualliving in the selected region shown in orange above, based on annual income (a county listingfor each region can be found on page 7). You can see if you qualify for no-cost or low-costprograms like Medical Assistance and MinnesotaCare, or if you are eligible for nancial help thatwill lower your monthly premium.






MONTHLY PLANCOST



PREMIUMASSISTANCE



CONSUMER COST $0 $21 - $50 $51 - $300 $411



MONTHLY PLANCOST



PREMIUMASSISTANCE



CONSUMER COST $0 $21 - $50 $118 - $367 $478



Area 5 Counties


49/85


50/85


51/85




Income upto $31,720 $31,721- $47,700 $47,701 - $65,587

$65,588- $95,400

Above$95,400



PREMIUMASSISTANCE

MedicalAssistance

MedicalAssistance

Minnesota-Care


CONSUMERCOST $0 $0 $42 - $100 $0 $320 - $540 $597 - $874 $902


Income up

to $31,720 $31,721- $47,700 $47,701 - $65,587

$65,588- $

95,400

Above

$95,400



PREMIUMASSISTANCE

MedicalAssistance

MedicalAssistance

Minnesota-Care


CONSUMERCOST $0 $0 $42 - $100 $0 $391 - $611 $717 - $994 $1,022


52/85








MONTHLY PLANCOST



PREMIUMASSISTANCE



CONSUMER COST $0 $21 - $50 $102 $102



MONTHLY PLANCOST



PREMIUMASSISTANCE



CONSUMER COST $0 $21 - $50 $93 - $133 $133

BeckerClayDouglasGrantOtter Tail

PopeStevensTraverseWilkin

Area 6 Counties


53/85


54/85





BRONZE PLAN - 40 YEAR OLDIncome up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680

MONTHLY PLANCOST



PREMIUMASSISTANCE



CONSUMER COST $0 $21 - $50 $85 - $169 $169



MONTHLY PLANCOST



PREMIUMASSISTANCE



CONSUMER COST $0 $21 - $50 $122 - $206 $206




Area 6 Counties


55/85


56/85


57/85


58/85






Income up

to $31,720 $31,721- $47,700 $47,701 - $65,587

$65,588- $

95,400

Above

$95,400



PREMIUMASSISTANCE

MedicalAssistance

MedicalAssistance

Minnesota-Care


CONSUMERCOST $0 $0 $42 - $100 $0 $171 - $350 $349 - $586 $586

SIlVER PLAN - FAMILY OF FOUR

Income upto $31,720 $31,721- $47,700 $47,701 - $65,587

$65,588- $95,400

Above$95,400



PREMIUMASSISTANCE

MedicalAssistance

MedicalAssistance

Minnesota-Care


CONSUMERCOST $0 $0 $42 - $100 $0 $247 - $426 $476 - $713 $713




Area 6 Counties


59/85




Income upto $31,720 $31,721- $47,700 $47,701 - $65,587

$65,588- $95,400

Above$95,400



PREMIUMASSISTANCE

MedicalAssistance

MedicalAssistance

Minnesota-Care


CONSUMERCOST $0 $0 $42 - $100 $0 $314 - $493 $587 - $824 $824


Income up

to $31,720 $31,721- $47,700 $47,701 - $65,587

$65,588- $

95,400

Above

$95,400



PREMIUMASSISTANCE

MedicalAssistance

MedicalAssistance

Minnesota-Care


CONSUMERCOST $0 $0 $42 - $100 $0 $383 - $562 $702 - $939 $939


60/85








MONTHLY PLANCOST



PREMIUMASSISTANCE



CONSUMER COST $0 $21 - $50 $88 $88



MONTHLY PLANCOST



PREMIUMASSISTANCE



CONSUMER COST $0 $21 - $50 $76 - $114 $114

AitkinBeltramiCassChisagoCrow Wing

HubbardIsantiKanabecMille LacsMorrison

PineRoseauToddWadena

Area 7 Counties


61/85





MONTHLY PLANCOST



PREMIUMASSISTANCE



CONSUMER COST $0 $21 - $50 $111 - $149 $149



MONTHLY PLANCOST



PREMIUMASSISTANCE



CONSUMER COST $0 $21 - $50 $150 - $188 $188



MONTHLY PLANCOST



PREMIUMASSISTANCE



CONSUMER COST $0 $21 - $50 $191 - $229 $229


62/85







MONTHLY PLANCOST



PREMIUMASSISTANCE



CONSUMER COST $0 $21 - $50 $63 - $145 $145



MONTHLY PLANCOST



PREMIUMASSISTANCE



CONSUMER COST $0 $21 - $50 $107 - $189 $189





Area 7 Counties


63/85





MONTHLY PLANCOST



PREMIUMASSISTANCE



CONSUMER COST $0 $21 - $50 $157 - $239 $239



MONTHLY PLANCOST



PREMIUMASSISTANCE



CONSUMER COST $0 $21 - $50 $209 - $291 $291


64/85







MONTHLY PLANCOST



PREMIUMASSISTANCE



CONSUMER COST $0 $21 - $50 $0 - $243 $307



MONTHLY PLANCOST



PREMIUMASSISTANCE



CONSUMER COST $0 $21 - $50 $89 - $338 $402





Area 7 Counties


65/85





MONTHLY PLANCOST



PREMIUMASSISTANCE



CONSUMER COST $0 $21 - $50 $194 - $443 $507



MONTHLY PLANCOST



PREMIUMASSISTANCE



CONSUMER COST $0 $21 - $50 $305 - $554 $618


66/85






Income up

to $31,720 $31,721- $47,700 $47,701 - $65,587

$65,588- $

95,400

Above

$95,400



PREMIUMASSISTANCE

MedicalAssistance

MedicalAssistance

Minnesota-Care


CONSUMERCOST $0 $0 $42 - $100 $0 $126 - $300 $273 - $502 $502


Income up

to $31,720 $31,721- $47,700 $47,701 - $65,587

$65,588- $

95,400

Above

$95,400



PREMIUMASSISTANCE

MedicalAssistance

MedicalAssistance

Minnesota-Care


CONSUMERCOST $0 $0 $42 - $100 $0 $218 - $392 $427 - $656 $656





Area 7 Counties


67/85




Income upto $31,720 $31,721- $47,700 $47,701 - $65,587

$65,588- $95,400

Above$95,400



PREMIUMASSISTANCE

MedicalAssistance

MedicalAssistance

Minnesota-Care


CONSUMERCOST $0 $0 $42 - $100 $0 $332 - $496 $599 - $828 $828


Income up

to $31,720 $31,721- $47,700 $47,701 - $65,587

$65,588- $

95,400

Above

$95,400



PREMIUMASSISTANCE

MedicalAssistance

MedicalAssistance

Minnesota-Care


CONSUMERCOST $0 $0 $42 - $100 $0 $429 - $603 $779 - $1,008 $1,008


68/85


69/85


25 YEAR OLD AREA 8 (continued)



MONTHLY PLANCOST



PREMIUMASSISTANCE



CONSUMER COST $0 $21 - $50 $123 - $143 $143



MONTHLY PLANCOST



PREMIUMASSISTANCE



CONSUMER COST $0 $21 - $50 $149 - $169 $169


MONTHLY PLANCOST



PREMIUMASSISTANCE



CONSUMER COST $0 $21 - $50 $186 - $206 $206


70/85







MONTHLYPLAN COST



PREMIUMASSISTANCE



CONSUMERCOST $0 $21 - $50 $80 - $140 $140



MONTHLYPLAN COST



PREMIUMASSISTANCE



CONSUMERCOST $0 $21 - $50 $121 - $181 $181

The tables below provide the lowest monthly cost of health insurance for a 40-year-old individualliving in the region shown on the map above, based on annual income (a county listing foreach region is on page 7). You can see if you qualify for no-cost or low-cost programs likeMedical Assistance and MinnesotaCare, or if you are eligible for nancial help that will loweryour monthly premium.

AnokaBentonCarverDakotaHennepinRamsey

ScottSherburneStearnsWashingtonWright

Area 8 Counties


71/85





MONTHLYPLAN COST



PREMIUMASSISTANCE



CONSUMERCOST $0 $21 - $50 $155 - $215 $215



MONTHLYPLAN COST



PREMIUMASSISTANCE



CONSUMERCOST $0 $21 - $50 $203 - $263 $263


72/85


Key Facts

Individuals with annual incomes of up to $15,521 qualify for Medical Assistance Individuals with annual incomes of $15,522 to $23,340 qualify for MinnesotaCare Individuals with annual incomes of $23,341 to $46,680 are eligible for nancial





MONTHLYPLAN COST



PREMIUMASSISTANCE



CONSUMERCOST $0 $21 - $50 $32 - $280 $297

SILVER PLAN - 60 YEAR OLDIncome up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680

MONTHLYPLAN COST



PREMIUMASSISTANCE



CONSUMERCOST $0 $21 - $50 $120 - $368 $385

The tables below provide the lowest monthly cost of health insurance for a 60-year-old individualliving in the region shown on the map above, based on annual income (a county listing foreach region is on page 7). You can see if you qualify for no-cost or low-cost programs likeMedical Assistance and MinnesotaCare, or if you are eligible for nancial help that will loweryour monthly premium.

AnokaBentonCarverDakotaHennepinRamsey

ScottSherburneStearnsWashingtonWright

Area 8 Counties


73/85





MONTHLYPLAN COST



PREMIUMASSISTANCE



CONSUMERCOST $0 $21 - $50 $292 - $540 $557



MONTHLYPLAN COST



PREMIUMASSISTANCE



CONSUMERCOST $0 $21 - $50 $193- $441 $458


74/85






Income up

to $31,720 $31,721- $47,700 $47,701 - $65,587

$65,588- $

95,400

Above

$95,400



PREMIUMASSISTANCE

MedicalAssistance

MedicalAssistance

Minnesota-Care


CONSUMERCOST $0 $0 $42 - $100 $0 $163 - $290 $334 - $485 $485


Income up

to $31,720 $31,721- $47,700 $47,701 - $65,587

$65,588- $

95,400

Above

$95,400



PREMIUMASSISTANCE

MedicalAssistance

MedicalAssistance

Minnesota-Care


CONSUMERCOST $0 $0 $42 - $100 $0 $249 - $376 $478 - $629 $629

The

Documents

MNsure: Plan Rates for 2015