What Are ACA Marketplace Health Plans?

Marketplace health plans (sometimes called ACA or Obamacare plans) are designed to provide affordable, comprehensive coverage for Minnesotans under 65. These plans are available through MNsure, Minnesota's health insurance marketplace, and often include financial assistance to help lower monthly premiums.

What's Included in Marketplace Plans

Every Marketplace health plan covers essential health benefits, including:

You may qualify for subsidies to lower your monthly premium or reduce your out-of-pocket costs.

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Doctor visits and specialist care

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Emergency services and hospital stays

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Prescription drug coverage

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Preventive care, screenings, and vaccinations

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Mental health and substance use treatment

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Maternity and newborn care

Is a Marketplace Plan Right for You?

Marketplace plans work well for:

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Self-employed individuals and freelancers

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People without employer-provided insurance

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Families seeking comprehensive coverage

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Anyone with pre-existing conditions needing full coverage

We'll help you review available plans and determine whether you qualify for financial help.

Common Questions About Marketplace Plans

  • How do I know if I qualify for subsidies?

    Subsidies are based on your household size and income. We'll help you estimate your savings and eligibility.

  • Can I keep my doctors with these plans?

    It depends on the plan's network. We'll help you check whether your preferred providers are included.

  • When can I enroll in a Marketplace plan?

    Enrollment is open during the annual Open Enrollment Period or after certain life changes (like job loss or marriage).

  • Are there different plan levels?

    Yes, plans come in Bronze, Silver, Gold, and Platinum levels, each with different coverage and cost-sharing.

  • Can you help with the application process?

    Absolutely! Our advisors can walk you through every step-from comparing plans to applying for coverage.