Start by reviewing your options, then apply through your MNsure account.
Enter your household and income information to see estimated plans and savings.
Verify your doctors, hospitals, pharmacies, and prescriptions using the verification checklists below.
Do not create a 2nd account. If you already have a MNsure account, you can log in or reset your password to access it.
From your MNsure account:
Gather birth dates for everyone in your household, SSNs for all applicants, projected annual income for 2027, and employer information. Complete your MNsure application, select your plan, submit your enrollment, and pay your first premium.
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 you are seeking coverage for January 1, cancel current coverage 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
You'll receive a notice in the mail and in your online account explaining your eligibility for next year. It will confirm whether you and your family members can enroll through MNsure and whether anyonequalifies for financial help.
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.
Review MNsure income guidelines to understand whether you may qualify for financial help.
See income guidelines >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.
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.
