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MNSure Enrollment Guide

This guide provides a step-by-step process for enrolling in MNSure.

Step 1: Determine Your Enrollment Timing

General Fall Enrollment (Open Enrollment)

  • When: November 1 to January 15 each year (e.g., November 1, 2025 – January 15, 2026, for 2026 coverage)
  • Key Deadline: Enroll by December 18 for coverage starting January 1

Special Enrollment Periods (SEPs)

Available if you experience a qualifying life event. See full details in the Special Enrollment Periods section below.

Year-Round Enrollment

If you qualify for Medical Assistance (MA), MinnesotaCare, or are a member of a federally recognized American Indian tribe, you can enroll anytime.

Step 2: Create a MNsure Account

  • Go to the MNsure website and click “Create an Account.”
  • Fill out the one-page form (you can skip the Social Security Number for now).
  • Create a username and password to access your MNsure dashboard.

Step 3: Complete the Application

Need help? Contact Erik or Tippy (see contact section below) to assist with accuracy and eligibility.

  1. Log in to your MNsure account.
  2. Start a new individual/family application.
  3. Enter household details: income, size, residency, immigration status.
  4. Provide information about current coverage or employer-provided options.
  5. Submit electronically.

Result: MNsure determines your eligibility for subsidies or public programs. You’ll receive a notice once completed.

Step 4: Contact an Assister

Why Use an Assister?

Certified MNsure brokers like Erik Roti or Tippy Sourignavong offer free, expert help. They can recommend specific plans and handle much of the process for you.

Contact Information

What to Prepare

  • Household income info (e.g., pay stubs, tax returns)
  • Current insurance or employer-sponsored plan details
  • Doctor/prescription preferences

Step 5: Explore and Compare Plans

Erik or Tippy will use MNsure’s Shop and Compare tool to filter plans based on your needs.

  1. Log into your MNsure account and access eligible plans.
  2. Filter by cost, coverage, or provider network.
  3. Use provider search to confirm your preferred doctors are in-network.
  4. Review available financial assistance and premium costs.

Note: Public program enrollees will receive plan details from DHS.

Step 6: Select Your Policy

  1. Erik or Tippy recommends plans based on your health needs and financial eligibility.
  2. Select household members for enrollment.
  3. Pick a plan and confirm your selection.
  4. Electronically sign and submit your enrollment.

Outcome: You receive enrollment confirmation.

Step 7: Finalize Enrollment and Payment

  • Marketplace plans: Pay your first premium directly to the insurer.
  • Public programs: No upfront payment required; DHS handles it.
  • Deadline: Enroll by the end of the month for coverage to start the 1st of the next month.
  • Keep records: Save confirmations and report changes like income or address.

Special Enrollment Periods (SEPs)

If you experience any of the following events, you may qualify to enroll outside of open enrollment:

  1. Loss of Other Coverage: e.g., job loss, aging off a parent’s plan, divorce.
  2. Household Changes: e.g., marriage, birth/adoption, death of a dependent.
  3. Relocation: Moving into or within Minnesota.
  4. Income Changes: Drop in income making you newly eligible for subsidies.
  5. New Citizenship or Lawful Presence
  6. Release from Incarceration
  7. Application or Enrollment Error: Mistakes by MNsure or your assister.
  8. Exceptional Circumstances: e.g., natural disasters.
  9. American Indian/Alaska Native Status: Year-round enrollment.
  10. Public Program Eligibility: MA or MinnesotaCare allow year-round enrollment.

How to Use an SEP: Contact Erik or Tippy within 60 days of your qualifying event. They’ll verify and submit necessary documentation on your behalf.

General Fall Enrollment Details

  • Dates: November 1 to January 15 annually
  • Deadlines:
    • Enroll by December 18 for January 1 start
    • Enroll by January 15 for February 1 start
  • Assister Tip: Contact Options Insurance in early fall to avoid the rush

Even if your plan is set to auto-renew, reviewing options with an assister helps ensure optimal savings and coverage updates.

Need Help?

Contact MNsure’s Contact Center at 855-366-7873 or reach out directly to:

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102 N Jonathan Blvd #210
Chaska, MN 55318
 
(952) 392-9508
Copyright ©2025 · Options Insurance - All Rights Reserved. In California we do business as Novallus Insurance Brokers.
Licensed in Arizona, California, Colorado, Illinois, Indiana, Iowa, Minnesota, North Dakota, South Dakota, Utah, Virginia, and Wisconsin.

Disclaimer: We do not offer every plan available in your area. Currently, on average we represent 6 organizations which offer 50 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. The number of organizations and plan choices will depend on geographic location.

Disclaimer: Medicare supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program. This is a solicitation of insurance. A licensed agent/producer may contact you. Medicare Supplement insurance is available to those age 65 and older enrolled in Medicare Parts A and B and, in some states, to those under age 65 eligible for Medicare due to disability or End-Stage Renal disease. Options.Health is a licensed and certified representative of Medicare Advantage HMO, HMO SNP, PPO, PPO SNP and PFFS organizations and stand-alone PDP prescription drug plans. Each of the organizations they represent has a Medicare contract. Enrollment in any plan depends on contract renewal. The plans we represent do not discriminate on the basis of race, color, national origin, age, disability, or sex. For a complete list of available plans please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov