About Health Insurance in Minnesota
There are two top choices for health insurance in Minnesota, which are Medica and HealthPartners. At East Coast Health Insurance, we connect you to these companies and help you to weigh out the greatest one for your budget and lifestyle. You also have a few state-run plans available, like the Minnesota Comprehensive Health Association.
- Total Population: 5,189,400
- Total Uninsured Population: 463,100 (16%)
- Typical Cost of Inpatient Hospital Visit Per Day: $1,731
- Average State Premium for Individual Health Insurance: $250
Information provided by Kaiser Family Foundation, 2010.
Choosing a Plan in Minnesota
East Coast Health Insurance simplifies the process of getting a quote for everyone. Start by entering your zip code above, or for extra assistance you can speak with one of our knowledgeable Minnesota staff to help get started over the phone at 888-803-5917.
Other Options in Minnesota
- Minnesota Comprehensive Health Association (MCHA): 800-531-6674
- Minnesota Medicaid: 800-657-3659
Minnesota Health Insurance Market & Laws
In the state of Minnesota, health insurance policies are affected by federal law the same as many other states. The guaranteed renewability provision is a mandatory part of every insurance plan. This means that as long as you have not violated your policy terms, missed any premium payments, or had any lapses in coverage, your insurer must renew the same plan you had previously.
Pre-existing conditions are defined as any condition for which you received medical care or were diagnosed within six months prior to beginning your health insurance, in Minnesota. Insurance companies can implement an exclusion period (when they do not pay for any medical costs related to the condition) for up to 12 months for pre-existing conditions.
Insurance companies in Minnesota have the liberty of deciding whether or not to sell you health insurance due to your health standings or age. They can also provide you with coverage, but at a higher rate than normally because of declining health or old age.
In Minnesota, health insurance laws require all policies to cover a few services across the board, which includes:
- Immunizations for children
- Maternity care
- Hearing aids for children
- Breast, prostate, cervical, and colorectal cancer exams
For further information about health care regulations in Minnesota, visit the Minnesota Department of Commerce site.
1. Kaiser Family Foundation, “Minnesota – State Health Facts”. www.statehealthfacts.org
2. Health Insurance In-Depth, “Minnesota Health Insurance”. http://www.healthinsuranceindepth.com/health-insurance-Minnesota.html