Plans generally begin on the first of a month, start by checking your eligibility & review plan options.
Enter your household and income information to see estimated plans and savings.
Verify your doctors, hospitals, pharmacies, and prescriptions using the verification checklist below.
If you decide to move forward, select “Log in to existing account” to log in or create an account. Gather birth dates, Social Security numbers, IDs, and employer information.
From your MNsure account:
Complete and submit your MNsure application, including your household & income information. Review your application carefully before submitting. This application will determine your eligibility.
Select “Confirm Event”, enter the date of the qualifying event change, and upload the proof MNsure requests. After uploading the document, call the MNsure Contact Center at 1-855-366-7873 and ask them to review and approve the documents. If you do not call, document approval may take weeks. Your documents must be approved before you can enroll into a plan.
After the documents are approved, you will see a “Shop for Plans” button, click that button to select your desired plan, add that plan to cart and complete enrollment. Here you may see a “Pay Now” button you can use this to make your first month’s payment or you can wait for your invoice in the mail. ID cards will not be sent until that first premium payment is received.
If you lost coverage, got married, had a baby, or experienced another qualifying event, you may have a Special Enrollment Period. Most special enrollment periods allow 60 days prior to the event and days after the date of the event to enroll into a plan.
Tax filers: Include yourself and your spouse if you file taxes together
Dependents: Include anyone you claim as a tax dependent on your federal tax return, even if they do not need health coverage.
When you apply, MNsure will tell you which documents to upload. Submit one dated document showing your name, coverage type, reason for loss of coverage, and last day of coverage.
The document must confirm that you lost qualifying health coverage withing the past 60 days or will lose it within the next 60 days, and explain why coverage is ending.
Don’t wait. MNsure must receive and process your document before you can select a plan. Choose a plan before your 60-day SEP window expires.
As the health insurance marketplace increasingly uses convenient, technology-based services, Breitenfeldt Group is adapting how we support clients. Beginning with the 2027 renewal period, we will no longer provide individual, personalized reviews of MNsure coverage options.
For help with your MNsure application, contact a MNsure Navigator. Find one here MNsure Navigator.
Use these checklists when comparing MNsure plans.
From MNsure plan results, select the plan and open Plan Details.
Find the plan’s Provider Directory or network link. It may open on the insurance company’s website.
Make sure you are searching the exact network, Individual & Family coverage, correct service area, and coverage year.
Use the doctor’s name, clinic, specialty if needed, and city or ZIP code.
Confirm the provider participates in the specific network for the plan you are considering.
Networks may differ between plans, even from the same insurance company.
If keeping a provider is important, contact the carrier and confirm participation in the exact plan and network.
From MNsure plan results, select the plan and open Plan Details.
Look for the Covered Drug List, Drug List, Formulary, or another prescription resource.
Make sure it applies to the specific Individual & Family plan and coverage year.
Use the exact drug name, generic name if known, or brand name.
Review the drug tier, such as generic, preferred brand, non-preferred brand, or specialty.
heck for Prior Authorization, Step Therapy, Quantity Limits, or specialty pharmacy requirements.
Include prescriptions for each covered family member and repeat for each plan you are comparing.
SimpleQuote by Breitenfeldt Group – Individual & Family Plan Enrollment Guide
This guide is provided for educational purposes to help you understand your enrollment steps. Please confirm current deadlines, plan availability, eligibility, and costs directly with MNsure or the insurance carrier before enrolling.
