Finding the Right Coverage For You
The interactive tool below shows the main types of health coverage available today. Answer these questions and it will highlight the options that might be best for you.
Your Family's Options
Care
Note: Your options are highlighted based on your answers to these questions. Depending on the details of your personal situation, you may not qualify for all of the options shown. Keep reading to learn more about your options.
Private coverage through your job, your spouse's job, or your parent's job. The employer pays part or all of the monthly premium.
Private coverage you buy from an insurance company or through MNsure.
Private coverage through MNsure, which the government may help you pay for.
Public coverage with a small premium, for people with low income.
Your income is abovebelow the limit: x for a household of y.
Free public coverage for people with low income.
Your income is abovebelow the limit: x for a household of y.
Free public coverage, for low-income children and pregnant women.
Your income is abovebelow the limit: x for a household of y.
Public coverage with a premium, for employed people with disabilities.
Free public coverage, for people with disabilities with low income and low assets.
Public coverage for people 65 and over, or on Social Security Disability Insurance (SSDI) or Disabled Adult Child (DAC).
Two public coverage options for people with disabilities:
- Disability-based MA is for people with low income and low assets
- MA-EPD is for people who work and have higher income or higher assets
Use the MA-EPD Estimator to figure out which is best for you.
Free public coverage for low-income children and pregnant women.
Your income is abovebelow the limit: x for a household of y.
Public coverage with a premium, for employed people with disabilities with low to moderate income.
Free public coverage for people who get Supplemental Security Income (SSI) benefits. Some people with disabilities with low income and low resources who don't get SSI may qualify.
Private coverage you buy from an insurance company or through MNsure.
Employer-sponsored coverage is private health insurance you get through your job or a family member’s job. Many employers choose to offer it as a benefit for employees who meet certain requirements, such as working a minimum number of hours each week. Employees who get this benefit often have to pay part of the monthly premium to get coverage for themselves and their family members.
Individual coverage is private health insurance you buy on your own. You can get an individual plan for yourself or for your entire family. Insurance companies cannot reject your application or charge you more because you have a health condition. You can get your individual coverage directly from an insurance company, through an insurance broker, or on MNsure.
Individual coverage is private health insurance you buy on your own. You can get an individual plan for yourself or for your entire family. Insurance companies cannot reject your application or charge you more because you have a health condition. Depending on your household income and situation, you may qualify to get government help paying for your insurance, if you sign up using MNsure.
MinnesotaCare is a public program that provides coverage for people with income that is too high to qualify for Medical Assistance, but too low to afford private insurance through MNsure. On MinnesotaCare, you have to pay a small premium for your coverage. You may qualify for MinnesotaCare if your family’s income is at or below 200% of FPG (x for a household of y) and you don't qualify for MA.
Medical Assistance (MA) is a public program that helps pay medical expenses for people with low income. Children and pregnant women do not have to pay a premium to get MA. How you may qualify depends on your family’s situation. Children and pregnant women may be able to get Medical Assistance (MA) coverage if your family’s income is at or under 280% of FPG (x for a household of y).
Medical Assistance (MA) is a public health coverage program for people with low income. There are different ways of qualifying; income-based MA is for people with household income that's 138% of the Federal Poverty Guidelines (FPG) or less (x for a household of y). There's no monthly premium for coverage.
Medical Assistance (MA) is a public program that helps pay medical expenses for people with low income. MA-EPD is a way for working people with a disability to earn more money, build more assets, and keep their MA coverage. On MA-EPD, you have to pay a premium for your coverage. To qualify for MA-EPD, you must be working, a Minnesota resident and certified disabled according to the Social Security Administration or the State Medical Review Team (SMRT). You must also be paying Medicare and Social Security taxes, and earning more than $65 per month.
Medical Assistance (MA) is a public program that helps pay medical expenses for people with low income. On MA, you do not have to pay a premium to get coverage. How you may qualify depends on your family’s situation. To qualify for disability-based MA, you must have been determined disabled by the Social Security Administration or the State Medical Review Team (SMRT). If you are 65 or older, you may also qualify without a disability. This is not the only way that a person with a disability can qualify for MA, but this way of qualifying may help you get more services, and allow you to make more money than the standard MA income limit.
Medicare is a public health coverage program for seniors (65 years old or older) and people with disabilities. To qualify for Medicare, you or a family member must have worked and paid Medicare taxes for a certain number of years. Medicare has a monthly premium and other expenses, but if you have limited income, some programs may help you pay these expenses.
Medical Assistance (MA) and Medical Assistance for Employed Persons with Disabilities (MA-EPD) are two ways for people with disabilities to get public health coverage. The MA-EPD Estimator asks for detailed information about your situation to see which is best for you. If you might qualify for MA-EPD, it will also tell you what your monthly premium would be.
To learn more, use the MA-EPD Estimator.
Medical Assistance (MA) and MA-EPD are two ways for people with disabilities to get public health coverage. The MA-EPD Estimator asks for detailed information about your situation to see which is best for you. If you might qualify for MA-EPD, it will also tell you what your monthly premium would be.
To learn more, use the MA-EPD Estimator.
Individual coverage is private health insurance you buy on your own. You can get an individual plan for yourself or for your entire family. Insurance companies cannot reject your application or charge you more because you have a health condition. You can get your individual coverage directly from an insurance company, through an insurance broker, or on MNsure.
Employer-sponsored coverage is private health insurance you get through your job or a family member’s job, if the employer offers it. Employees who get this benefit often have to pay part of the monthly premium to get coverage for themselves and their family members.
Medical Assistance (MA) is a public program that helps pay medical expenses for people with low income. On MA, you do not have to pay a premium to get coverage. To qualify for disability-based MA, you must have a disability that meets Social Security standards or be 65 years old or older. With disability-based MA, you may qualify for extra services to help with disability-related needs.
Individual coverage is private health insurance you buy on your own for yourself or for your entire family. Insurance companies cannot reject your application or charge you more because of a health condition. You can get individual coverage directly from an insurance company, through a broker, or on MNsure.
Individual coverage is private health insurance you buy on your own for yourself or your entire family. Insurance companies cannot reject your application or charge you more because of a health condition. Depending on your income and situation, you may qualify for help paying for coverage on MNsure.
MinnesotaCare is a public health coverage program for people whose income is too high for Medical Assistance (MA), but too low to afford private insurance. With MinnesotaCare, you pay a small monthly premium. You may qualify if your family’s income is at or below 200% of FPG (x for a household of y) and you don't qualify for MA.
Medical Assistance (MA) is a public program that helps pay medical expenses for people with low income. For children and pregnant women, there's no premium. Children and pregnant women may qualify for MA if their family’s income is at or under 280% of FPG (x for a household of y).
Medical Assistance (MA) is a public health coverage program for people with low income. There are different ways of qualifying; income-based MA is for people with household income that's 138% of the Federal Poverty Guidelines (FPG) or less (x for a household of y). There's no monthly premium for coverage.
Medical Assistance (MA) is a public health coverage program for people with low income. MA-EPD lets people with disabilities earn more money, build more assets, and keep their MA coverage. To get MA-EPD, you must work and earn more than $65 per month, pay FICA taxes, be a Minnesota resident, have a disability that meets Social Security standards, and pay a monthly premium.
Medical Assistance (MA) and Medical Assistance for Employed Persons with Disabilities (MA-EPD) are two ways for people with disabilities to get public health coverage. The MA-EPD Estimator asks about your situation to see which is best for you. If you might qualify for MA-EPD, it tells you what your monthly premium would be.
Medicare is a public health coverage program for seniors (65 years old or older) and people with disabilities. To qualify, you or a family member must have worked and paid Medicare taxes for a certain number of years. Medicare has a monthly premium and other expenses, but if you have limited income, some programs may help you pay these expenses.
Medical Assistance (MA) and MA-EPD are two ways for people with disabilities to get public health coverage. The MA-EPD Estimator asks for detailed information about your situation to see which is best for you. If you might qualify for MA-EPD, it will also tell you what your monthly premium would be.
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