Compare your options and make plan changes if desired.
Use the MNSure Tool to compare plan option. This tool will allow you to review options with all available carriers. You do not have to enroll through MNsure to use this comparison tool.
If you find out you are now eligible for premiums reductions known as advanced premium tax credits through MNsure, you can create a MNsure account and apply and enroll through MNsure.
Verify your doctors, hospitals, pharmacies, and prescriptions using the verification checklist below.
Use the carrier information below to enroll over the phone or online. Have your plan selection ready, along with your personal information, address, and SSN for all enrollees.
Call the number on the back of your insurance card to cancel your current plan effective the day before your new coverage begins. Ex. If your new plan is set to begin January 1, cancel current coverage for December 31.
November 1–January 15: Open Enrollment for 2027 coverage
Apply by December 15: Coverage begins January 1, 2027
Apply December 16–January 15: Coverage begins February 1, 2027 these applications must be completed directly through MNsure. Carrier direct enrollments do not allow this extension.
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 you can contact the carrier directly:
Blue Cross Blue Shield of Minnesota: 1-800-262-0823
Medica: 1-800-670-5935
HealthPartners: 1-952-883-5599
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 plans 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.
Check 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.
