During Open Enrollment, anyone can enroll in an Individual & Family plan through MNsure without a qualifying life event.
November 1, 2026 – January 15, 2027
Coverage starts January 1, 2027
Coverage starts February 1, 2027
Outside Open Enrollment, you generally need a qualifying life event—such as losing employer coverage, a household change, or moving to Minnesota.
You’ll only see the instructions that apply to your situation.
Premium: What you pay monthly for your insurance
Deductible: The amount you pay before insurance starts to cover services
Out-of-Pocket Max: The most you'll pay in a year before insurance pays 100%
Copay: A fixed amount (e.g., $30) for certain services
Coinsurance: The percentage you pay for services after your deductible (e.g., 20%)
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.
