Q: What is MNsure?
A: It is Minnesota's version of a new marketplace, called for in the federal health law, to help consumers more easily comparison shop among health insurance plans. Minnesota is one of 16 states plus the District of Columbia building its own exchange. People in other states will use an exchange being set up by the federal government or a hybrid state-federal version.
Q: Who will use it?
A: Everyone who qualifies for Medical Assistance and MinnesotaCare, the state's public health plans. MNsure also will be an option for small businesses with two to 50 full-time employees and for people who don't get health coverage at work. A key goal is to help the nearly 500,000 uninsured Minnesota residents who will be required to buy coverage in 2014 or pay a fine. If you get coverage from a large company or are a senior on Medicare, MNsure isn't for you.
Q: Can I still use my broker?
A: Yes. If you qualify for government subsidies to help lower your premium cost, but you can't get the tax credits unless you shop on the MNsure exchange. Your broker can help you access those credits.
Q: Who will qualify for help paying for insurance?
A: It varies, depending on your income and life situation, such as whether you are single, have children or are pregnant. Minnesota is receiving federal funds to cover more people under Medical Assistance, Minnesota's version of Medicaid. The state also will continue offering MinnesotaCare, a public program for lower-income residents who earn enough to help pay a portion of the premium.