Having health coverage means having peace of mind and the security of knowing you will not incur financial hardship due to illness. It is a means to make sure you are well and stay well.
As a member of Insure Duluth, a group of area organizations strategically working to get people insured, Community Action Duluth is proud to announce the introduction and availability of MNSURE Navigators. Navigators are trained to help people use MNSURE and understand the products offered through it. It is best to shop for health insurance using a Navigator! MNSURE and Navigators are a result of legislation called the Affordable Care Act.
The Affordable Care Act (ACA) goals were to increase the quality and affordability of health insurance by lowering the uninsured rate and by expanding public and private insurance coverage, and reducing the costs of healthcare for individuals. The ACA provides:
MNSURE is a new marketplace where Minnesotans can find, compare, choose and get quality health care coverage that best fits their needs and budget. MNSURE is the one place to find out if you qualify for a low-cost or free plan.
The MNSURE Marketplace offers the following programs; the free and low-cost options are income based. Your household status and tax filing status affect your outcome. Think of MNSURE as an on-line store that offers the following programs:
The plan you choose affects the total amount you’ll likely spend for health benefits during the year.
If you qualify for Medical Assistance (MA), which has lower limits for eligibility, you will pay no monthly premium. With the exception of very small co-pays, which are between $1.00 and $3.00, the program is completely free. Medical Assistance will also pay medical bills incurred in the three months prior to applying! MinnesotaCare (MNCare), which has higher limits for eligibility, has a sliding scale monthly premium, so the cost will fit your budget. Like MA, MNCare has very low co-pays – most at or around $3.00. Most providers accept the plans offered through MA and MNCare. Public Health Care Program services include, but are not limited to:
Advanced Premium Tax Credit (APTC) is a new tax credit to help individuals afford health coverage purchased only through the MNSURE Marketplace. If you qualify, your APTC can be used right away to lower your monthly premium costs. You may choose how much of the APTC you wish to apply to your insurance premiums every month, up to the maximum APTC you are awarded. If the amount of APTC you get for the year is less than the tax credit you are due, you will get a difference as a refundable credit when you file your federal income tax return. If your advance payments for the year are more than the amount of your credit, you must repay the excess advance payments with your tax return (also called premium tax credit).
Cost Sharing Reduction is a discount that lowers the amount you have to pay out-of-pocket for deductibles, coinsurance, and copayments. You can get this reduction if you get health insurance through the MNSURE Marketplace, your income is below a certain level, and you choose a health plan from the Silver plan category.
If you are a member of a federally recognized tribe, you may qualify for additional cost sharing benefits.
Our Navigators are here to assist you individually by answering your questions, assisting you with your on-line application, with follow-up, and with renewals. All Navigator assistance is free of charge. When coming to an appointment for enrollment, bring the following with you:
We offer MNSURE presentations to small or large groups and we will table your events.