Medical Coverage After a Job Loss in Minnesota
If you lost your health care insurance when you lost your job, you have options.
Continue Your Employer-Based Policy
Explore your options for Continuation of Health Coverage (COBRA) with your former employer. If you qualify, you may have to pay the entire cost of the health insurance yourself. Many employers pay for at least part of the health care plan for active employees. This makes insurance through your employer less expensive than if you buy it on your own. Visit the FAQs About COBRA Continuation Health Coverage site to learn more.
For more information:
- Call 1-866-444-3272 to talk with the U.S. Department of Labor's Employee Benefits Security Administration.
- Visit the U.S. Department of Labors' COBRA Continuation of Coverage website.
Sign Up for Government-Provided Health Insurance
Several programs are available. Together they are called Minnesota Health Care Programs. These programs are available to people whose income and assets are below certain limits.
Buy an Individual Policy
Individuals and families can use MNsure, Minnesota's online marketplace, to compare and choose healthcare plans. Open enrollment for 2020 is November 1, 2019 - December 23, 2019. Enroll by December 23 to have coverage on January 1st.
Special enrollments, outside of the open period, is available for those experiencing life-changing events like the loss of health coverage or birth of a child.
Free, in-person help is available if you questions about MNsure or need help with enrollment.