Individual & Family Health Insurance

Who needs individual health insurance?

Individual health insurance is for those who do not have access to employer-sponsored or government-run health coverage. This includes people who are employed by a small business that doesn’t provide health benefits, people who are self-employed, and people who retire before they’re eligible for Medicare and have to purchase their own health coverage until they reach age 65.

Where can consumers buy individual health insurance coverage?

• Individual & Family health insurance is available by purchasing coverage on-exchange or off-exchange. 
• Off-exchange coverage means purchasing a policy directly through the insurance company.
• On-exchange coverage means purchasing a policy through the state marketplace or exchange.
• In Minnesota, the marketplace is called MNsure.
• The North Dakota marketplace is called Healthcare.gov.

Some individuals and families may qualify for premium tax credits and cost-sharing reductions that are only available by enrolling through the marketplace.

In both cases — on-exchange or off-exchange — individual health insurance is only available to purchase during the Annual Enrollment Period or during a Special Enrollment Period triggered by a qualifying event.

In most states, the annual open enrollment period runs from November 1 to December 15, with coverage effective January 1. (Read More) 

Learn about Special Enrollment Period for MNSure. (Read More) 

Learn about Qualifying Events for MNSure.  (Read More)

Call 218-512-0536 or click below to schedule an appointment with us today!