Minnesota Residents! Compare thousands of Minnesota health insurance plans.

Get instant Minnesota health insurance quotes online now!

Numerous state and federal laws make it easier for people with pre-existing conditions to get or keep health insurance, or to change from one health plan to another. A federal law, known as the Health Insurance Portability and Accountability Act (HIPAA) sets national standards for all health plans. In addition, states can pass different reforms for the health insurance plans they regulate (fully insured group health plans and individual health plans), so your protections may vary if you leave Minnesota. Neither federal nor state laws protect your access to health insurance in all circumstances. So please read this guide carefully.

The following information summarizes how federal and state laws do — or do not — protect you as a Minnesota resident.

How am I protected?
In Minnesota, as in many other states, your health insurance options are somewhat dependent on your health status. Even if you are sick, however, the laws protect you in the following ways.

• Coverage under your group health plan (if your employer offers one) cannot be denied or limited, nor can you be required to pay more because of your health status. This is called nondiscrimination.

• All group health plans in Minnesota must limit exclusion of pre-existing conditions. There are rules about what counts as a pre-existing condition and how long you must wait before a new group health plan will begin to pay for care for that condition. Generally, if you join a new group health plan, your old coverage will be credited toward the pre-existing condition exclusion period, provided you did not have a long break in coverage.

• When you buy individual health insurance there are limits on what you can be charged because of your health status, age, or where you live.

• Your health insurance cannot be canceled because you get sick. All health insurance is guaranteed renewable.

• If you leave your job, you may be able to remain in your old group health plan for a period of time. This is called COBRA continuation or state continuation coverage. It can help when you are between jobs or waiting for a new health plan to cover your pre-existing condition. There are limits on what you can be charged for this coverage.

• If you lose coverage under a fully insured group health plan in Minnesota, you can buy a conversion policy. There are rules about what conversion policies must cover and limits on premiums that can be charged. You cannot be required to face a new preexisting condition exclusion period.

• If you lose your group health insurance and meet other qualifications, you will be federally eligible. If so, you can buy an individual health plan from the Minnesota Comprehensive Health Association (MCHA) high risk pool. You will not face a new preexisting condition exclusion period. There are limits on what you can be charged for a MCHA plan.

• You can also buy insurance from MCHA if you have a serious health condition or if you have been turned down by a health insurance company. In this case you may face a new preexisting condition exclusion period.

• If you are a small employer buying a group health plan, you cannot be turned down because of the health status, age, or any factor that might predict the use of health services of those in your group. This is called guaranteed issue.

• If you are a small employer buying a group health plan, there are limits on what you can be charged because of health status, age, or other characteristics of those in your group.

• If have low or modest household income, you may be eligible for free or subsidized health coverage for yourself or members of your family. The Minnesota Medicaid program offers free health coverage for pregnant women, families with children, elderly and disabled individuals with very low incomes. Also, if you cannot afford health insurance and you meet other income requirements, you can buy discounted coverage for yourself and your family from MinnesotaCare. The General Assistance Medical Care Program and Prescription Drug Program also offer coverage for certain low-income persons.