$750 a month $750 a month
An employer's plan would have to eat up more than 9.5 percent of your household income. If your employer coverage costs less than 9.5 percent of your household income, you could still buy insurance on MNsure but couldn’t take advantage of the law’s tax subsidies. For the state's median household income of $58,476, 9.5 percent amounts to about $463 per month. 1 Bronze plan: Will pay about 60 percent of the cost of the plan's benefits; the consumer pays the rest in deductibles, copays and coinsurance. 2  Silver plan: Will pay about 70 percent of the enrollees' health care costs on average; the consumer is responsible for the remaining 30 percent. Expectations are the state health insurance exchange will offer more expensive programs for 2015. Even with the premium increases for 2015, the cost of a mid-level benchmark policy on MNsure for a 40-year-old will be about $182 per month, state officials said. Many individuals and small businesses through MNsure will get even lower cost coverage, said MNsure Executive Director April Todd-Malmlov. She said roughly half of the people who use MNsure will be eligible for the subsidies. Subsidies are available for people with annual incomes of $23,000 to about $46,000. For a family of four, the income range is $47,100 to $94,200. Government health plans are available for people making less. Federal tax subsidies to help with the cost of regular insurance are available for an individual whose annual income ranges from about $23,000 to about $46,000. For a family of four, the income range is $55,000 to $110,000. Beckfeld, 56, has diabetes and high blood pressure. The only insurance he could get before MNsure cost about $750 a month. PreferredOne charges him $421 a month and covers much more, including drugs. He put the savings at about $12,000 this year.  Rates for MNsure plans vary depending on household size, annual income, member age(s), the region in which you live, whether members use tobacco and the level of coverage you choose. Find information about plan rates for 2016 and 2015 in the documents listed below: 1  Health Care Coverage and Plans for 2016 (PDF). Only through MNsure can individuals and families find out if they qualify for financial assistance that will immediately lower the cost of private health insurance. Use this calculator to get an estimate of your monthly cost. Or see the income level guidelines to see what financial assistance you may qualify for. Estimate Cost and Financial Help. Most Minnesotans qualify for financial assistance. Only through MNsure can individuals and families find out if they qualify for financial assistance that will immediately lower the cost of private health insurance. Use this calculator to get an estimate of your monthly cost. Or see the income level guidelines to see what financial assistance you may qualify for. Premiums for the cheapest — or “bronze” — insurance plan offered through MNsure will cost an average of $144 per month before any tax breaks or subsidies, the U.S. Department of Health and Human Services reported Wednesday.  Beckfeld, 56, has diabetes and high blood pressure. The only insurance he could get before MNsure cost about $750 a month. PreferredOne charges him $421 a month and covers much more, including drugs. He put the savings at about $12,000 this year.  Seventeen states and the District of Columbia already have health care exchanges. There’s four levels of coverage: bronze, silver, gold and platinum. A 40-year-old making $29,000 will pay about $330 a month for mid-range silver coverage. New federal tax credits will drop that to $193 a month. And 25-year-olds can expect monthly premiums averaging about $270. Then, after tax credits, it’ll be $158 to $193 a month. If Minnesota’s health exchange is similar to other states, you’ll be able to apply your tax credits to buy higher levels of coverage. MINNEAPOLIS (WCCO) — On Friday, MNsure — Minnesota’s new online health insurance exchange — will reveal how much consumers will pay for insurance premiums under the program, which is part of the new federal health care law. For some people, it’s true that premiums are cheaper now compared to MNsure plans. For instance, a 33 year-old woman living in Nisswa, Minn., can get a plan for 2013 ehealth.com for $94 a month and a $3,500 deductible. A $3,500 deductible plan sold on MNsure starting on Jan. 1, 2014, would cost that same woman $168 in monthly premiums. It’s important to keep in mind that premium rates do not represent the full cost associated with insurance. Deductibles and co-pays, for instance, can also influence how much you spend on health care. It’s a talking point that stems from a Minnesota Republican Party analysis indicating that insurance sold on MNsure will cost, on average, 22 percent more in the post-Affordable Care Act world. Health insurance will cost more for some people starting in 2014, but not for everyone.
http://minnesota.publicradio.org/collections/special/ongoing/mnsure101/ http://www.startribune.com/mnsure-premiums-to-increase-in-2015/277739541/ http://www.mprnews.org/story/2013/09/06/health/online-health-insurance-marketplace-mnsure http://minnesota.cbslocal.com/2014/10/27/renewal-notices-may-surprise-mnsure-customers/ http://www.mnsure.org/individual-family/cost/ http://www.mnsure.org/individual-family/cost/ http://www.startribune.com/mnsure-health-insurance-rates-will-be-lowest-in-nation/225287012/ http://finance.yahoo.com/news/renewal-costs-may-surprise-mnsure-153752461.html http://minnesota.cbslocal.com/2013/09/05/how-much-will-mnsure-cost-reality-check/ http://blogs.mprnews.org/capitol-view/2013/11/if-you-buy-a-health-plan-on-mnsure-will-it-cost-you-more/
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