Minnesota Health Insurance

Health insurance is crucial for many of Minnesota’s residents in the working class, thousands of whom depend on physical health for their living. Keeping good health insurance is important, but residents often have questions about which coverage to obtain, what regulations are in place, and the options available to low-income families, among others. To help readers navigate this territory, The Simple Dollar has compiled a few resources to get you started on your way to managing your insurance needs.

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Stats in Your State

Understanding the factors that affect your health insurance is a crucial first step to getting the most out of your insurance policy. We’ve put together a number of data sets and visualized them for readers to better understand the needs for health insurance across the state, as well as the average rates for different health care plans across the region.

Chip Medicaid

In 2009, more than 480,000 residents utilized Medicaid health insurance options, with just over 5,000 children enrolled in the state’s CHIP coverage. These numbers hardly changed in the 2010 year, with only minor changes in enrollment, indicating a steady economy and a stable population level.

Individual Health Insurance Premiums

Minnesota single-payer premiums averaged $1,087 in 2011, just shy of the national average of $1,090 that year, meaning that Minnesota workers posed roughly the same level of risk as the average of the entire country. A predictable economy based largely on agriculture and resource extraction provides a stable environment in which insurers can steadily calculate known risks, resulting in low average health care premiums.

Family Health Insurance Premiums

Average premiums for family health plans in Minnesota topped $4,000 per month in 2011, placing Minnesota as the second costliest state in which to insure a family on an employer plan in the Northern states region. The cost to insure indicates an overall level of health for families, as well as family size in the state compared to the rest of the region.

SAHIE Health Insurance Uninsured

In the latter half of the 2000s, an average of roughly 440,000 residents went without health insurance each year, according to estimates by the U.S. Census Bureau. The sheer numbers of uninsured residents indicate a severe need for readily available, affordable health insurance coverage options for Minnesota residents.

Rules in Your State

The Insurance Division has set forth specific methods and standards for claims payment across the board for all insurers, and these apply to health insurance companies in Minnesota. Below you’ll find the listing of the specific methods, practices, and standards deemed reasonable, and those deemed unfair by the state’s legislature.

Alcohol Policies & Your Health Insurance

Fortunately for Minnesota residents, health care plans in the state require insurers to cover treatment for alcohol-related disorders on the same level as treatment for medical and surgical conditions, meaning the state’s residents can keep things simple with basic insurance plans without having to worry about treatment for alcohol-related disorders costing extra.

Losses Due to Intoxication
Health Insurance Parity for Alcohol-Related Treatment
Minnesota law does not address whether insurers are allowed or prohibited from denying benefits for losses arising due to intoxication.
Health plans in Minnesota must cover such treatment and provide the same levels of benefits for alcohol-related disorders as they do for medical and surgical conditions.
Health plans covering alcohol-related disorders may NOT be subject to higher deductibles or higher premiums, but may impose restrictive limits on lifetime treatment for alcohol-related disorders than for medical and surgical coverage.

Minnesota Statutes Related to Insurance

Standards for Claims Payment

Unfair and Deceptive Trade Practices and Methods

Representatives & Resources in Your State

The representatives and resources listed below serve as great starting points for consumers to learn about the rules, regulations, and options available to them for health insurance in the state. State and government-run programs also provide relief and support for low-income families and persons with other hardships. Read on to learn how the state’s resources might be able to help you with your insurance needs.

Minnesota Department of Commerce: Insurance Division
Minnesota Department of Commerce
Insurance Division
85 7th Place East, Suite 500
St. Paul, MN 55101
Contact Info Page
Complaint Resource
Use the above link to contact the Insurance Division to file a formal complaint.
Insurance Division Topics: Health Insurance
The Insurance Division has numerous brochures and informational guides to educate consumers on the different types of health plans in Minnesota.
Minnesota Health Care Reform
Many residents may wonder how the major health care reforms will affect them and their policies, so the Insurance Division has compiled a guide to educate consumers on this complicated topic as it affects the whole industry with changes.

Minnesota Department of Human Services (DHS)
DHS General Contact Information
DHS Divisions List
The Department of Human services offers support to disabled persons, seniors, children of low-income families, as well as victims of abuse and neglect and other marginalized persons. Check through their website to see if you or your family qualifies for assistance through their programs.

Minnesota Children’s Health insurance Program (CHIP)
The Minnesota CHIP plan offers coverage options for children of low-income families, and provides healthcare to thousands of children in Minnesota.