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Health Care Coverage

and Plan Rates for 2015


A Snapshot of 2015 Premiums and
Tax Credits
Table of Contents
A Word about Rates ........................................................................................... 1
Executive Summary ............................................................................................ 2
The Only Place to Get Financial Help .............................................................. 3
Shop and Compare............................................................................................ 3
Minnesotans Eligible for MNsure ........................................................................ 3
What You Need to Know about MNsure Plans ............................................... 4
How Financial Assistance is Calculated ........................................................... 5
Small Business Premium Tax Credit Calculation............................................... 6
Benefts Included in All MNsure Health Plans ................................................... 6
MNsure Health Insurance Plan Rates by Region ............................................. 7
2015 Premium Scenarios..................................................................................... 8
2015 Premium Scenarios..................................................................................... 9
Area 1 - Plan Cost Scenarios ............................................................................ 10
Area 2 - Plan Cost Scenarios ............................................................................ 18
Area 3 - Plan Cost Scenarios ............................................................................ 26
Area 4 - Plan Cost Scenarios ............................................................................ 34
Area 5 - Plan Cost Scenarios ............................................................................ 42
Area 6 - Plan Cost Scenarios ............................................................................ 50
Area 7 - Plan Cost Scenarios ............................................................................ 58
Area 8 - Plan Cost Scenarios ............................................................................ 66
Area 9 - Plan Cost Scenarios ............................................................................ 74
SHOP Plan Costs ................................................................................................ 82
Health Care Coverage and Plan Rates for 2015 1
A Word about Rates
Each year, after a rate review pocess with the Minnesota Department of Commerce, health
insurance companies across the state determine what plans they will offer to consumers
inside and outside the Minnesota health insurance marketplace (MNsure). Plans are offered in
different geographic rating areas and in multiple categories: platinum, gold, silver, bronze and
catastrophic. In addition, income levels and family size can make Minnesotans eligible for a
public health care program (Medical Assistance or MinnesotaCare), or other forms of fnancial
help such as a tax credit (Advanced Premium Tax Credit) or a Cost Sharing Reduction.
For 2015, there are a total of 84 plans offered in the individual and family market on MNsure.
Because a consumers premium cost varies by region, health insurance plan, age, tobacco use
status, income and family size, this document is intended only as a snapshot of a consumers
cost. It is not intended to provide Minnesotans with their exact premium cost, tax credit or Cost
Sharing Reduction. Plan data refected in this document is the lowest possible premium in each
rating area. (These premiums might not be available in every county in a rating area.)
This document includes a snapshot of premiums and tax credits for individuals and employers
across the state as well as for families of four.
The family calculation was done based on two adults age 42 and two children under 18 years
old. This differs from last years family scenarios which were based on 40-year-old adults.
Shop and Compare
MNsure is the only place where consumers can shop and compare plans, as well as qualify for
fnancial help either through federal tax credits or MinnesotaCare and Medical Assistance to
help pay the cost of their health insurance plan.
Health Care Coverage and Plan Rates for 2015 2
Executive Summary
Open Enrollment begins November 15, 2014
Open enrollment for 2015 coverage runs November 15, 2014 - February 15, 2015. The vast
majority of Minnesota residents can enroll in a MNsure plan during this time. Enrollment is
available year-round for consumers who are eligible for MinnesotaCare or Medical Assistance,
members of federally-recognized Indian tribes, and participants in the Small Business Health
Options Program (SHOP).
The Amount of Advanced Premium Tax Credit (APTC) Will Increase
The benchmark premium from 2014 to 2015 increased across almost all parts of the state. This
means that more consumers will qualify for and receive tax credits. This will reduce consumers
monthly health insurance premiums for 2015 from what their costs would otherwise be.
More Plans Available
The total number of individual market plans available statewide increased from 78 in 2014, to 84
in 2015. The number of plans available in each county range from 26 - 72, with at least two plans
in every metal level represented.
Five Minnesota-Based Carriers Offering Plans
MNsure will have fve Minnesota-based carriers offering health insurance plans. Health carriers
include: Blue Cross and Blue Shield of Minnesota, HealthPartners, Medica, UCare and BluePlus.
Health Care Coverage and Plan Rates for 2015 3
Many Minnesotans will qualify for no-cost or low-cost plans. MNsure is the only place this
fnancial help is available.
Financial help is available to help cover the cost of health care insurance premiums for
qualifying individuals and small businesses.
Advanced Premium Tax Credit
An Advanced Premium Tax Credit (APTC) is an immediate discount on your health insurance
premium. Your APTC will be deducted from your monthly premium, leaving you to only pay
the difference. A Cost Sharing Reduction (CSR) is a reduction on the amount of co-pay and/or
deductible you are responsible for. CSR varies depending on the plan you select.
Shop and Compare
MNsure is the only place where consumers can shop and compare plans, as well as qualify
for fnancial help either through federal tax credits or MinnesotaCare and Medical Assistance
programs to help pay the cost of their health insurance plan.
Minnesotans Eligible for MNsure
Most Minnesota residents are eligible to purchase health insurance coverage through MNsure.
This one-stop health insurance marketplace offers coverage through private health insurance
companies to individuals and small businesses with 50 or fewer employees.
Individuals without access to affordable employer-based health care coverage who meet
income requirements* and small businesses with 25 or fewer employees earning $50,000 or less
on average will qualify for premium assistance (tax credits). MNsure also will provide access to
no-cost and low-cost coverage through Medical Assistance and MinnesotaCare.
Since October 1, 2013, more than 340,000 Minnesotans have enrolled in quality, affordable
health insurance coverage through MNsure. Now more than 95% of Minnesotans are covered.
Free In-Person Help Is Available
MNsure Contact
Center
1-855-3-MNSURE (855-
366-7873)
Fully trained specialists
available to answer your
questions through a toll-
free hotline.
Navigators
Individuals from trusted
organizations trained to
provide free face-to-face
application and enrollment
assistance.
Agents and
Brokers
Trained and licensed
professionals offering free
face-to-face enrollment
assistance and advice to
help you select a plan.
Find certifed navigators, agents and brokers near you.
Go to MNsure.org, Keyword: Assister Directory
The Only Place to Get Financial Help
* Exceptions: individuals without proper immigration status and incarcerated individuals.
Health Care Coverage and Plan Rates for 2015 4
What You Need to Know about MNsure Plans
When applying through MNsure, you can decide whether you would like to apply for fnancial
assistance. If so, you will be determined eligible for one of three possible plan types: Medical
Assistance, MinnesotaCare or a Qualifed Health Plan (QHP). This eligibility is determined based
on your household size and income.
What is a Qualifed Health Plan (QHP)?
A QHP is an insurance policy from a private company. If you qualify for a QHP, you will be able
to select a company you wish to purchase from, as well as the level of coverage that fts your
needs. All MNsure health insurance plans must design their cost-sharing (deductibles, copays,
coinsurance) to ft specifc levels of coverage. The levels of coverage are defned as follows:
Bronze level: the plan must cover 60% of expected costs for the average individual
Silver level: the plan must cover 70% of expected costs for the average individual
Gold level: the plan must cover 80% of expected costs for the average individual
Platinum level: the plan must cover 90% of expected costs for the average individual
What is Medical Assistance?
Medical Assistance is Minnesotas Medicaid health care program for children and families,
pregnant women and adults without children. People 65 or older and people who have
disabilities may also be eligible for Medical Assistance. There is no monthly cost for enrollees on
Medical Assistance.
Again this year, adults with incomes up to 133 percent of the federal poverty level and pregnant
women and children with family incomes up to 275 percent of the federal poverty level are
eligible for Medical Assistance. Eligibility and enrollment for Medical Assistance will be available
through MNsure, excluding those over the age of 65 or those with disabilities.
What is MinnesotaCare?
MinnesotaCare is a subsidized health care coverage program for lower income Minnesotans
without access to affordable employer-based health care coverage and who are not eligible
for Medical Assistance. Enrollees pay a monthly premium, determined by a sliding-fee scale
based on family size and income.
Adults with incomes between 133 percent and 200 percent of the federal poverty level
are eligible for MinnesotaCare. Eligibility and enrollment for MinnesotaCare is available
through MNsure.
Jamison, 31
The overall experience was really good
Jamison found a plan on MNsure for himself
that ft his needs. He was also able to fnd
coverage for his infant son through Medical
Assistance, bringing him quality coverage
at no cost.
Health Care Coverage and Plan Rates for 2015 5
How Financial Assistance is Calculated
Through MNsure some individuals and families may qualify for fnancial help through tax credits
that will immediately lower the cost to consumers for private health insurance. Financial help
also may be available through no-cost or low-cost coverage under Medical Assistance or
MinnesotaCare.
The amount of premium assistance available to individuals and families depends on income,
age, and geographic area. Premium assistance is calculated based on where an individuals
annual income falls on the federal poverty level (FPL) table as well as the cost of a benchmark
premium. Below is a table that shows the income limits for various types of fnancial assistance
available through MNsure.
Below is a breakdown of what information is used to
calculate the fnal cost to consumers. In general, the
less income an individual or family makes, the less they
will have to pay for health insurance and the more tax
credit they will receive. Tax credits may be applied to
all individual plans except catastrophic plans.
People in
household
Annual Income
(up to)
Annual Income
(up to)
Annual Income
(up to)
Annual Income
(up to)
Annual Income
(above)
1 $15,521 $23,340 $32,092 $46,680 $46,680
2 $20,920 $31,460 $43,257 $62,920 $62,920
3 $26,320 $39,580 $54,422 $79,160 $79,160
4 $31,720 $47,700 $65,587 $95,400 $95,400
5 $37,120 $55,820 $76,752 $111,640 $111,640
6 $42,520 $63,940 $87,917 $127,880 $127,880
7 $47,919 $72,060 $99,082 $144,120 $144,120
8 $53,319 $80,180 $110,247 $160,360 $160,360
For each
additional
person add
$5,399 $8,120 $11,165 $16,240
Medical
Assistance for
adults: $0/month
premium
MinnesotaCare
for adults: up
to $50/month
premium
Tax credits for private coverage for
some adults. Monthly premium as
low as $0 after tax credits.
Private coverage
with monthly
premiums that
vary depending
on plan. Not
eligible for tax
credits.
Medical Assistance for children ages 0 to 18 and
pregnant women: $0/month premium. Slightly higher
income limits apply for infants under age 2 and
pregnant women.
Tax credits for
private coverage
for some children
Ying, 61
Ying is happy that he now has health insurance so he can go to the hospital
with peace of mind and doesnt have to worry about paying too much.
Health Care Coverage and Plan Rates for 2015 6
Small Business Premium Tax Credit Calculation
Small businesses with 25 or fewer employees who earn $50,000 or less on average will qualify for
premium tax credits. Small business premium tax credits will only be available for health care
coverage purchased through MNsure.
To be eligible for the small business premium tax credit, employers must contribute at least 50
percent of the premium. The tax credit is determined on a sliding scale based on the number of
employees and average employee wage. The small business premium tax credit may equal up
to 50 percent of the employer paid portion of the premium.
Benefts Included in All MNsure Health Plans
All plans offered in the MNsure marketplace include new consumer protections guaranteed by
the federal Affordable Care Act, such as:
No discrimination based on pre-existing conditions or gender
No annual dollar limit on coverage
No lifetime limit on coverage
A cap on out-of-pocket costs
Allowing young adults to stay on their parents health plan until age 26, unless they have
access to coverage through their employer
Requiring that 80-85 cents of every dollar you pay for health insurance is spent on delivering
or improving health care or you get a refund from your insurance company
Providing consumers a standard, plain language summary of their plan
All plans offered in the MNsure marketplace cover:
A broad range of essential services, including doctor visits, hospital stays, maternity care,
emergency room care, prescription drugs, free preventive care, and more.
Preventive services at no cost to you. These services include things like blood pressure
and diabetes screenings; cancer screenings such as mammograms and colonoscopies;
vaccinations; fu shots and more.
Medical Assistance and MinnesotaCare is offered through MNsure and continues to include the
comprehensive benefts available through these programs today.
I did not think I would qualify for fnancial
assistance.
Minnesotans that may have previously been denied
coverage like MinnesotaCare or Medical Assistance
may now qualify due to changes in eligibility rules.
Shari, 52
Health Care Coverage and Plan Rates for 2015 7
There are 9 insurance rate pricing regions in Minnesota
Dodge
Fillmore
Freeborn
Goodhue
Houston
Mower
Olmsted
Steele
Wabasha
Winona
Big Stone
Chippewa
Kandiyohi
Lac Qui Parle
Lyon
McLeod
Meeker
Renville
Sibley
Swift
Yellow Medicine
Aitkin
Beltrami
Cass
Chisago
Crow Wing
Hubbard
Isanti
Kanabec
Mille Lacs
Morrison
Pine
Roseau
Todd
Wadena
MNsure Health Insurance Plan Rates by Region
Carlton
Cook
Itasca
Koochiching
Lake
Lake of the Woods
St. Louis
Blue Earth
Faribault
Waseca
Le Sueur
Martin
Nicollet
Rice
Watonwan
Anoka
Benton
Carver
Dakota
Hennepin
Ramsey
Scott
Sherburne
Stearns
Washington
Wright
Clearwater
Kittson
Mahnomen
Marshall
Norman
Pennington
Polk
Red Lake
Brown
Cottonwood
Jackson
Lincoln
Murray
Nobles
Pipestone
Redwood
Rock
Becker
Clay
Douglas
Grant
Otter Tail
Pope
Stevens
Traverse
Wilkin
Area 4 Area 5 Area 6
Area 7
Area 8
Area 9
Area 1 Area 2 Area 3
Health Care Coverage and Plan Rates for 2015 8
Rating Area 1
Julie, 40, Rochester
Last year, Julie only had 14
MNsure plans to choose from.
This year, she will have more
than double the number of
plans to choose from, and the
premium on her silver plan will
decrease by about 6%.
Rating Area 9
Ken, 40, E. Grand Forks
Ken works at a small business
and gets his health insurance
through MNsure SHOP. Ken
purchased the lowest cost
platinum plan in 2014 and would
like to keep the same level of
coverage this year. In 2015, by
purchasing the lowest cost
platinum plan available, hell see a
15% decrease in his premium.
Rating Area 8
Miguel, 25, St. Paul
Miguels bronze plan premium
will increase $20/month in 2015.
However, this year he will qualify
for a tax credit of $20/month,
which means hell pay the same
as he did last year for a bronze
level plan.
2015 Premium Scenarios
* These scenarios
are real, these
people are not.
*
Health Care Coverage and Plan Rates for 2015 9
Rating Area 5
Frank, 60, Granite Falls
Last year, Frank qualified for a tax
credit that lowered his monthly
premium by $263/month.
This year, his tax credit is going
up to $361/month. Thats nearly
$1,200 in additional tax credits
for 2015.
2015 Premium Scenarios
Rating Area 2
Sara, 32, Grand Marais
Last year, Sara only had 12
MNsure plans to choose from, none
of which were platinum level plans.
This year, Sara will be able to
choose from 34 different plans,
more than doubling her plan
options. Sara will also be able to
choose from at least two different
plans in each metal level.
Allison, 36, St. Cloud
Allison has a chronic health
condition and uses her insurance
on a regular basis. For the first
time ever, she will be able to
choose a plan on MNsure that
does not carry a deductible.
This will cost her less
out-of-pocket each time she
uses her new plan.
Rating Area 8
* These scenarios
are real, these
people are not.
*
Health Care Coverage and Plan Rates for 2015 10
The tables below provide the lowest monthly cost of health insurance for a 25-year-old individual
living in the region shown on the map above, based on annual income (a county listing for
each region can be found on page 7). You can see if you qualify for no-cost or low-cost
programs like Medical Assistance and MinnesotaCare, or if you are eligible for fnancial help
that will lower your monthly premium.
Key Facts
Individuals with annual incomes of up to $15,521 qualify for Medical Assistance
Individuals with annual incomes of $15,522 to $23,340 qualify for MinnesotaCare
Individuals with annual incomes of $23,341 to $46,680 are eligible for fnancial
help, see page 5 for more information
25 YEAR OLD - AREA 1
CATASTROPHIC PLAN - 25 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $128 $128
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare NONE NONE
CONSUMER COST $0 $21 - $50 $128 $128
BRONZE PLAN - 25 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $194 $194
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $99 to 0 NONE
CONSUMER COST $0 $21 - $50 $95 to $194 $194
Dodge
Fillmore
Freeborn
Goodhue
Houston
Mower
Olmsted
Steele
Wabasha
Winona
Area 1 Counties
Health Care Coverage and Plan Rates for 2015 11
25 YEAR OLD - AREA 1 (continued)
SILVER PLAN - 25 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $221 $221
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $99 - $0 NONE
CONSUMER COST $0 $21 - $50 $122 - $221 $221
GOLD PLAN - 25 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $254 $254
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $99 - $0 NONE
CONSUMER COST $0 $21 -$50 $155 - $254 $254
PLATINUM PLAN - 25 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $306 $306
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $99 - $0 NONE
CONSUMER COST $0 $4 -$50 $207 - $306 $306
Health Care Coverage and Plan Rates for 2015 12
The tables below provide the lowest monthly cost of health insurance for a 40-year-old individual
living in the region shown on the map above, based on annual income (a county listing for each
region can be found on page 7). You can see if you qualify for no-cost or low-cost programs
like Medical Assistance and MinnesotaCare, or if you are eligible for fnancial help that will lower
your monthly premium.
Key Facts
Individuals with annual incomes of up to $15,521 qualify for Medical Assistance
Individuals with annual incomes of $15,522 to $23,340 qualify for MinnesotaCare
Individuals with annual incomes of $23,341 to $46,680 are eligible for fnancial
help, see page 5 for more information
40 YEAR OLD - AREA 1
BRONZE PLAN - 40 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $247 $247
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $159 - $0 NONE
CONSUMER COST $0 $21 - $50 $88 - $247 $247
SILVER PLAN - 40 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $282 $282
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $159 - $0 NONE
CONSUMER COST $0 $21 - $50 $123 - $282 $282
Dodge
Fillmore
Freeborn
Goodhue
Houston
Mower
Olmsted
Steele
Wabasha
Winona
Area 1 Counties
Health Care Coverage and Plan Rates for 2015 13
40 YEAR OLD - AREA 1 (continued)
GOLD PLAN - 40 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $324 $324
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $159 - $0 NONE
CONSUMER COST $0 $21 - $50 $165 - $324 $324
PLATINUM PLAN - 40 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $389 $389
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $159- $0 NONE
CONSUMER COST $0 $21- $50 $230 - $389 $389
Health Care Coverage and Plan Rates for 2015 14
The tables below provide the lowest monthly cost of health insurance for a 60-year-old individual
living in the region shown on the map above, based on annual income (a county listing for each
region can be found on page 7). You can see if you qualify for no-cost or low-cost programs
like Medical Assistance and MinnesotaCare, or if you are eligible for fnancial help that will lower
your monthly premium.
Key Facts
Individuals with annual incomes of up to $15,521 qualify for Medical Assistance
Individuals with annual incomes of $15,522 to $23,340 qualify for MinnesotaCare
Individuals with annual incomes of $23,341 to $46,680 are eligible for fnancial
help, see page 5 for more information
60 YEAR OLD - AREA 1
BRONZE PLAN - 60 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $524 $524
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $477 - $228 NONE
CONSUMER COST $0 $21 - $50 $48 - $296 $524
SILVER PLAN - 60 YEAR OLD
Income up to $15,282 $15,283 to $22,980 $22,981 to $45,960 Above $45,961
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $598 $598
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $477 - $228 NONE
CONSUMER COST $0 $4 -$50 $122 - $370 $598
Dodge
Fillmore
Freeborn
Goodhue
Houston
Mower
Olmsted
Steele
Wabasha
Winona
Area 1 Counties
Health Care Coverage and Plan Rates for 2015 15
60 YEAR OLD - AREA 1 (continued)
GOLD PLAN - 60 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $687 $687
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $477- $228 NONE
CONSUMER COST $0 $21 - $50 $210 - $459 $687
PLATINUM PLAN - 60 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $826 $826
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $477- $228 NONE
CONSUMER COST $0 $21 - $50 $349 - $598 $826
Health Care Coverage and Plan Rates for 2015 16
The tables below provide the lowest monthly cost of health insurance for a family of four living
in the region shown on the map above, based on annual income (a county listing for each
region can be found on page 7). You can see if you qualify for no-cost or low-cost programs
like Medical Assistance and MinnesotaCare, or if you are eligible for fnancial help that will lower
your monthly premium.
Key Facts
Individuals with annual incomes of up to $15,521 qualify for Medical Assistance
Individuals with annual incomes of $15,522 to $23,340 qualify for MinnesotaCare
Individuals with annual incomes of $23,341 to $46,680 are eligible for fnancial
help, see page 5 for more information
FAMILY OF FOUR - AREA 1
SILVER PLAN - FAMILY OF FOUR
Income up
to $31,720 $31,721- $47,700 $47,701 - $65,587
$65,588- $
95,400
Above
$95,400
Kids Parents Kids Parents
MONTHLY
PLAN COST n/a n/a n/a n/a $584 $977 $977
PREMIUM
ASSISTANCE
Medical
Assistance
Medical
Assistance
Minnesota-
Care
Medical
Assistance $475 - $245 $638 - $361 NONE
CONSUMER
COST $0 $0 $42 - $100 $0 $109 - $339 $339 - $616 $977
BRONZE PLAN - FAMILY OF FOUR
Income up
to $31,720 $31,721- $47,700 $47,701 - $65,587
$65,588- $
95,400
Above
$95,400
Kids Parents Kids Parents
MONTHLY
PLAN COST n/a n/a n/a n/a $512 $857 $857
PREMIUM
ASSISTANCE
Medical
Assistance
Medical
Assistance
Minnesota-
Care
Medical
Assistance $475 - $245 $638 - $361 NONE
CONSUMER
COST $0 $0 $42 - $100 $0 $37 - $267 $219 - $496 $857
Dodge
Fillmore
Freeborn
Goodhue
Houston
Mower
Olmsted
Steele
Wabasha
Winona
Area 1 Counties
Health Care Coverage and Plan Rates for 2015 17
FAMILY OF FOUR - AREA 1 (continued)
GOLD PLAN - FAMILY OF FOUR
Income up
to $31,720 $31,721- $47,700 $47,701 - $65,587
$65,588- $
95,400
Above
$95,400
Kids Parents Kids Parents
MONTHLY
PLAN COST n/a n/a n/a n/a $671 $1,122 $1,122
PREMIUM
ASSISTANCE
Medical
Assistance
Medical
Assistance
Minnesota-
Care
Medical
Assistance $475 - $245 $638 - $361 NONE
CONSUMER
COST $0 $0 $42 - $100 $0 $196 - $426 $484 - $761 $1,122
PLATINUM PLAN - FAMILY OF FOUR
Income up
to $31,720 $31,721- $47,700 $47,701 - $65,587
$65,588- $
95,400
Above
$95,400
Kids Parents Kids Parents
MONTHLY
PLAN COST n/a n/a n/a n/a $807 $1,349 $1,349
PREMIUM
ASSISTANCE
Medical
Assistance
Medical
Assistance
Minnesota-
Care
Medical
Assistance $475 - $245 $638 - $361 NONE
CONSUMER
COST $0 $0 $42 - $100 $0 $332 - $562 $711 - $988 $1,349
Health Care Coverage and Plan Rates for 2015 18
The tables below provide the lowest monthly cost of health insurance for a 25-year-old individual
living in the region shown on the map above, based on annual income (a county listing for
each region can be found on page 7). You can see if you qualify for no-cost or low-cost
programs like Medical Assistance and MinnesotaCare, or if you are eligible for fnancial help
that will lower your monthly premium.
Key Facts
Individuals with annual incomes of up to $15,521 qualify for Medical Assistance
Individuals with annual incomes of $15,522 to $23,340 qualify for MinnesotaCare
Individuals with annual incomes of $23,341 to $46,680 are eligible for fnancial
help, see page 5 for more information
25 YEAR OLD - AREA 2
CATASTROPHIC PLAN - 25 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $97 $97
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare NONE NONE
CONSUMER COST $0 $21 - $50 $97 $97
BRONZE PLAN - 25 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $124 $124
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $59 - $0 NONE
CONSUMER COST $0 $21 - $50 $65 - $124 $124
Carlton
Cook
Itasca
Koochiching
Lake
Lake of the Woods
St. Louis
Area 2 Counties
Health Care Coverage and Plan Rates for 2015 19
25 YEAR OLD AREA - 2 (continued)
SILVER PLAN - 25 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $161 $161
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $59- $0 NONE
CONSUMER COST $0 $21 - $50 $103 - $161 $161
GOLD PLAN - 25 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $188 $188
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $59 - $0 NONE
CONSUMER COST $0 $21 - $50 $129 - $188 $188
PLATINUM PLAN - 25 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $251 $251
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $59 - $0 NONE
CONSUMER COST $0 $21 - $50 $192 - $251 $251
Health Care Coverage and Plan Rates for 2015 20
The tables below provide the lowest monthly cost of health insurance for a 40-year-old individual
living in the region shown on the map above, based on annual income (a county listing for each
region can be found on page 7). You can see if you qualify for no-cost or low-cost programs
like Medical Assistance and MinnesotaCare, or if you are eligible for fnancial help that will lower
your monthly premium.
Key Facts
Individuals with annual incomes of up to $15,521 qualify for Medical Assistance
Individuals with annual incomes of $15,522 to $23,340 qualify for MinnesotaCare
Individuals with annual incomes of $23,341 to $46,680 are eligible for fnancial
help, see page 5 for more information
40 YEAR OLD - AREA 2
BRONZE PLAN - 40 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY
PLAN COST
n/a
Medical Assistance
n/a
MinnesotaCare $206 $206
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $109 - $0 NONE
CONSUMER
COST $0 $21 - $50 $97 - $206 $206
SILVER PLAN - 40 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY
PLAN COST
n/a
Medical Assistance
n/a
MinnesotaCare $213 $213
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $109 - $0 NONE
CONSUMER
COST $0 $21 - $50 $104 - $213 $213
Carlton
Cook
Itasca
Koochiching
Lake
Lake of the Woods
St. Louis
Area 2 Counties
Health Care Coverage and Plan Rates for 2015 21
40 YEAR OLD AREA - 2 (continued)
GOLD PLAN - 40 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY
PLAN COST
n/a
Medical Assistance
n/a
MinnesotaCare $239 $239
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $109 - $0 NONE
CONSUMER
COST $0 $21 - $50 $130 - $239 $239
PLATINUM PLAN - 40 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY
PLAN COST
n/a
Medical Assistance
n/a
MinnesotaCare $319 $319
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $109 - $0 NONE
CONSUMER
COST $0 $21 - $50 $210 - $319 $319
Health Care Coverage and Plan Rates for 2015 22
The tables below provide the lowest monthly cost of health insurance for a 60-year-old individual
living in the region shown on the map above, based on annual income (a county listing for each
region can be found on page 7). You can see if you qualify for no-cost or low-cost programs
like Medical Assistance and MinnesotaCare, or if you are eligible for fnancial help that will lower
your monthly premium.
Key Facts
Individuals with annual incomes of up to $15,521 qualify for Medical Assistance
Individuals with annual incomes of $15,522 to $23,340 qualify for MinnesotaCare
Individuals with annual incomes of $23,341 to $46,680 are eligible for fnancial
help, see page 5 for more information
60 YEAR OLD - AREA 2
BRONZE PLAN - 60 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY
PLAN COST
n/a
Medical Assistance
n/a
MinnesotaCare $431 $431
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $369 - $120 NONE
CONSUMER
COST $0 $21 - $50 $62 - $310 $431
SILVER PLAN - 60 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY
PLAN COST
n/a
Medical Assistance
n/a
MinnesotaCare $436 $436
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $369- $120 NONE
CONSUMER
COST $0 $21 - $50 $67 - $316 $436
Carlton
Cook
Itasca
Koochiching
Lake
Lake of the Woods
St. Louis
Area 2 Counties
Health Care Coverage and Plan Rates for 2015 23
60 YEAR OLD AREA - 2 (continued)
GOLD PLAN - 60 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY
PLAN COST
n/a
Medical Assistance
n/a
MinnesotaCare $507 $507
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $369 - $120 NONE
CONSUMER
COST $0 $21 - $50 $138 - $387 $507
PLATINUM PLAN - 60 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY
PLAN COST
n/a
Medical Assistance
n/a
MinnesotaCare $678 $678
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $369 - $120 NONE
CONSUMER
COST $0 $21 - $50 $309 - $557 $678
Health Care Coverage and Plan Rates for 2015 24
The tables below provide the lowest monthly cost of health insurance for a family of four living in
the selected region shown in orange above, based on annual income (a county listing for each
region can be found on page 7). You can see if you qualify for no-cost or low-cost programs
like Medical Assistance and MinnesotaCare, or if you are eligible for fnancial help that will lower
your monthly premium.
Key Facts
Individuals with annual incomes of up to $15,521 qualify for Medical Assistance
Individuals with annual incomes of $15,522 to $23,340 qualify for MinnesotaCare
Individuals with annual incomes of $23,341 to $46,680 are eligible for fnancial
help, see page 5 for more information
FAMILY OF FOUR - AREA 2
BRONZE PLAN - FAMILY OF FOUR
Income up
to $31,720 $31,721- $47,700 $47,701 - $65,587
$65,588- $
95,400
Above
$95,400
Kids Parents Kids Parents
MONTHLY
PLAN COST n/a n/a n/a n/a $326 $545 $545
PREMIUM
ASSISTANCE
Medical
Assistance
Medical
Assistance
Minnesota-
Care
Medical
Assistance $229 - $0 $320 - $44 NONE
CONSUMER
COST $0 $0 $42 - $100 $0 $97 - $326 $225 - $501 $545
SILVER PLAN - FAMILY OF FOUR
Income up
to $31,720 $31,721- $47,700 $47,701 - $65,587
$65,588- $
95,400
Above
$95,400
Kids Parents Kids Parents
MONTHLY
PLAN COST n/a n/a n/a n/a $426 $712 $712
PREMIUM
ASSISTANCE
Medical
Assistance
Medical
Assistance
Minnesota-
Care
Medical
Assistance $229 - $0 $320 - $44 NONE
CONSUMER
COST $0 $0 $42 - $100 $0 $197 - $426 $392 - $668 $712
Carlton
Cook
Itasca
Koochiching
Lake
Lake of the Woods
St. Louis
Area 2 Counties
Health Care Coverage and Plan Rates for 2015 25
FAMILY OF FOUR - AREA 2 (continued)
GOLD PLAN - FAMILY OF FOUR
Income up
to $31,720 $31,721- $47,700 $47,701 - $65,587
$65,588- $
95,400
Above
$95,400
Kids Parents Kids Parents
MONTHLY
PLAN COST n/a n/a n/a n/a $496 $828 $828
PREMIUM
ASSISTANCE
Medical
Assistance
Medical
Assistance
Minnesota-
Care
Medical
Assistance $229 - $0 $320 - $44 NONE
CONSUMER
COST $0 $0 $42 - $100 $0 $267 - $496 $508 - $784 $828
PLATINUM PLAN - FAMILY OF FOUR
Income up
to $31,720 $31,721- $47,700 $47,701 - $65,587
$65,588- $
95,400
Above
$95,400
Kids Parents Kids Parents
MONTHLY
PLAN COST n/a n/a n/a n/a $662 $1,107 $1,107
PREMIUM
ASSISTANCE
Medical
Assistance
Medical
Assistance
Minnesota-
Care
Medical
Assistance $229 - $0 $320 - $44 NONE
CONSUMER
COST $0 $0 $42 - $100 $0 $433 - $662 $787 - $1,063 $1,107
Health Care Coverage and Plan Rates for 2015 26
The tables below provide the lowest monthly cost of health insurance for a 25-year-old individual
living in the region shown on the map above, based on annual income (a county listing for
each region can be found on page 7). You can see if you qualify for no-cost or low-cost
programs like Medical Assistance and MinnesotaCare, or if you are eligible for fnancial help
that will lower your monthly premium.
Key Facts
Individuals with annual incomes of up to $15,521 qualify for Medical Assistance
Individuals with annual incomes of $15,522 to $23,340 qualify for MinnesotaCare
Individuals with annual incomes of $23,341 to $46,680 are eligible for fnancial
help, see page 5 for more information
25 YEAR OLD - AREA 3
CATASTROPHIC PLAN - 25 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $115 $115
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare NONE NONE
CONSUMER COST $0 $21 - $50 $115 $115
BRONZE PLAN - 25 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $158 $158
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $63 - $0 NONE
CONSUMER COST $0 $21 - $50 $95 - $158 $158
Blue Earth
Faribault
Waseca
Le Sueur
Martin
Nicollet
Rice
Watonwan
Area 3 Counties
Health Care Coverage and Plan Rates for 2015 27
25 YEAR OLD AREA - 3 (continued)
SILVER PLAN - 25 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $182 $182
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $63 - $0 NONE
CONSUMER COST $0 $21 - $50 $119 - $182 $182
GOLD PLAN - 25 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $210 $210
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $63 - $0 NONE
CONSUMER COST $0 $21 - $50 $147 - $210 $210
PLATINUM PLAN - 25 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $238 $238
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $63 - $0 NONE
CONSUMER COST $0 $21 - $50 $174 - $238 $238
Health Care Coverage and Plan Rates for 2015 28
The tables below provide the lowest monthly cost of health insurance for a 40-year-old individual
living in the egion shown on the map above, based on annual income (a county listing for each
region can be found on page 7). You can see if you qualify for no-cost or low-cost programs
like Medical Assistance and MinnesotaCare, or if you are eligible for fnancial help that will lower
your monthly premium.
Key Facts
Individuals with annual incomes of up to $15,521 qualify for Medical Assistance
Individuals with annual incomes of $15,522 to $23,340 qualify for MinnesotaCare
Individuals with annual incomes of $23,341 to $46,680 are eligible for fnancial
help, see page 5 for more information
40 YEAR OLD - AREA 3
BRONZE PLAN - 40 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $202 $202
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $113 - $0 NONE
CONSUMER
COST $0 $21 - $50 $89 - $202 $202
SILVER PLAN - 40 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $231 $231
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $113 - $0 NONE
CONSUMER
COST $0 $21 - $50 $118 - $231 $231
Blue Earth
Faribault
Waseca
Le Sueur
Martin
Nicollet
Rice
Watonwan
Area 3 Counties
Health Care Coverage and Plan Rates for 2015 29
40 YEAR OLD - AREA 3 (continued)
GOLD PLAN - 40 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $267 $267
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $113 - $0 NONE
CONSUMER
COST $0 $21 - $50 $154 - $267 $267
PLATINUM PLAN - 40 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $303 $303
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $113 - $0 NONE
CONSUMER
COST $0 $21 - $50 $190 - $303 $303
Health Care Coverage and Plan Rates for 2015 30
The tables below provide the lowest monthly cost of health insurance for a 60-year-old individual
living in the selected region shown in orange above, based on annual income (a county listing
for each region can be found on page 7). You can see if you qualify for no-cost or low-cost
programs like Medical Assistance and MinnesotaCare, or if you are eligible for fnancial help that
will lower your monthly premium.
Key Facts
Individuals with annual incomes of up to $15,521 qualify for Medical Assistance
Individuals with annual incomes of $15,522 to $23,340 qualify for MinnesotaCare
Individuals with annual incomes of $23,341 to $46,680 are eligible for fnancial
help, see page 5 for more information
60 YEAR OLD - AREA 3
BRONZE PLAN - 60 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $428 $428
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $379 - $130 NONE
CONSUMER
COST $0 $21 - $50 $49 - $298 $428
SILVER PLAN - 60 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $491 $491
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $379 - $130 NONE
CONSUMER
COST $0 $21 - $50 $112 - $361 $491
Blue Earth
Faribault
Waseca
Le Sueur
Martin
Nicollet
Rice
Watonwan
Area 3 Counties
Health Care Coverage and Plan Rates for 2015 31
60 YEAR OLD - AREA 3 (continued)
GOLD PLAN - 60 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $568 $568
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $379 - $130 NONE
CONSUMER
COST $0 $21 - $50 $189 - $438 $568
PLATINUM PLAN - 60 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $643 $643
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $379 - $130 NONE
CONSUMER
COST $0 $21 - $50 $264 - $513 $643
Health Care Coverage and Plan Rates for 2015 32
The tables below provide the lowest monthly cost of health insurance for a family of four living in
the region shown on the map above, based on annual income (a county listing for each region
is on page 7). You can see if you qualify for no-cost or low-cost programs like Medical Assistance
and MinnesotaCare, or if you are eligible for fnancial help that will lower your monthly premium.
Key Facts
Individuals with annual incomes of up to $15,521 qualify for Medical Assistance
Individuals with annual incomes of $15,522 to $23,340 qualify for MinnesotaCare
Individuals with annual incomes of $23,341 to $46,680 are eligible for fnancial
help, see page 5 for more information
FAMILY OF FOUR - AREA 3
BRONZE PLAN - FAMILY OF FOUR
Income up
to $31,720 $31,721- $47,700 $47,701 - $65,587
$65,588- $
95,400
Above
$95,400
Kids Parents Kids Parents
MONTHLY
PLAN COST n/a n/a n/a n/a $418 $699 $699
PREMIUM
ASSISTANCE
Medical
Assistance
Medical
Assistance
Minnesota-
Care
Medical
Assistance $239 - $8 $337 - $60 NONE
CONSUMER
COST $0 $0 $42 - $100 $0 $179 - $410 $362 - $639 $699
SILVER PLAN - FAMILY OF FOUR
Income up
to $31,720 $31,721- $47,700 $47,701 - $65,587
$65,588- $
95,400
Above
$95,400
Kids Parents Kids Parents
MONTHLY
PLAN COST n/a n/a n/a n/a $480 $802 $802
PREMIUM
ASSISTANCE
Medical
Assistance
Medical
Assistance
Minnesota-
Care
Medical
Assistance $239 - $8 $337 - $60 NONE
CONSUMER
COST $0 $0 $42 - $100 $0 $241 - $472 $465 - $742 $802
Blue Earth
Faribault
Waseca
Le Sueur
Martin
Nicollet
Rice
Watonwan
Area 3 Counties
Health Care Coverage and Plan Rates for 2015 33
FAMILY OF FOUR - AREA 3 (continued)
GOLD PLAN - FAMILY OF FOUR
Income up
to $31,720 $31,721- $47,700 $47,701 - $65,587
$65,588- $
95,400
Above
$95,400
Kids Parents Kids Parents
MONTHLY
PLAN COST n/a n/a n/a n/a $554 $927 $927
PREMIUM
ASSISTANCE
Medical
Assistance
Medical
Assistance
Minnesota-
Care
Medical
Assistance $239 - $8 $337 - $60 NONE
CONSUMER
COST $0 $0 $42 - $100 $0 $315 - $546 $590 - $867 $927
PLATINUM PLAN - FAMILY OF FOUR
Income up
to $31,720 $31,721- $47,700 $47,701 - $65,587
$65,588- $
95,400
Above
$95,400
Kids Parents Kids Parents
MONTHLY
PLAN COST n/a n/a n/a n/a $628 $1,049 $1,049
PREMIUM
ASSISTANCE
Medical
Assistance
Medical
Assistance
Minnesota-
Care
Medical
Assistance $239 - $8 $337 - $60 NONE
CONSUMER
COST $0 $0 $42 - $100 $0 $389 - $620 $712 - $989 $1,049
Health Care Coverage and Plan Rates for 2015 34
The tables below provide the lowest monthly cost of health insurance for a 25-year-old individual
living in the region shown on the map above, based on annual income (a county listing for
each region can be found on page 7). You can see if you qualify for no-cost or low-cost
programs like Medical Assistance and MinnesotaCare, or if you are eligible for fnancial help
that will lower your monthly premium.
Key Facts
Individuals with annual incomes of up to $15,521 qualify for Medical Assistance
Individuals with annual incomes of $15,522 to $23,340 qualify for MinnesotaCare
Individuals with annual incomes of $23,341 to $46,680 are eligible for fnancial
help, see page 5 for more information
25 YEAR OLD - AREA 4
CATASTROPHIC PLAN - 25 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $130 $130
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare NONE NONE
CONSUMER COST $0 $21 - $50 $130 $130
BRONZE PLAN - 25 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $155 $155
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $57 - $0 NONE
CONSUMER COST $0 $21 - $50 $98 - $155 $155
Brown
Cottonwood
Jackson
Lincoln
Murray
Nobles
Pipestone
Redwood
Rock
Area 4 Counties
Health Care Coverage and Plan Rates for 2015 35
25 YEAR OLD - AREA 4 (continued)
SILVER PLAN - 25 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $178 $178
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $57 - $0 NONE
CONSUMER COST $0 $21 - $50 $121 - $178 $178
GOLD PLAN - 25 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $206 $206
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $57 - $0 NONE
CONSUMER COST $0 $21 - $50 $149 - $206 $206
PLATINUM PLAN - 25 YEAR OLD
Income up to $15,282 $15,283 to $22,980 $22,981 to $45,960 Above $45,961
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $233 $233
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $57 - $0 NONE
CONSUMER COST $0 $21- $50 $176 - $233 $233
Health Care Coverage and Plan Rates for 2015 36
Key Facts
Individuals with annual incomes of up to $15,521 qualify for Medical Assistance
Individuals with annual incomes of $15,522 to $23,340 qualify for MinnesotaCare
Individuals with annual incomes of $23,341 to $46,680 are eligible for fnancial
help, see page 5 for more information
40 YEAR OLD - AREA 4
BRONZE PLAN - 40 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $198 $198
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $106 - $0 NONE
CONSUMER
COST $0 $21 - $50 $92 - $198 $198
SILVER PLAN - 40 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $227 $227
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $106 - $0 NONE
CONSUMER
COST $0 $21 - $50 $121 - $227 $227
The tables below provide the lowest monthly cost of health insurance for a 40-year-old individual
living in the region shown on the map above, based on annual income (a county listing for
each region can be found on page 7). You can see if you qualify for no-cost or low-cost
programs like Medical Assistance and MinnesotaCare, or if you are eligible for fnancial help
that will lower your monthly premium.
Brown
Cottonwood
Jackson
Lincoln
Murray
Nobles
Pipestone
Redwood
Rock
Area 4 Counties
Health Care Coverage and Plan Rates for 2015 37
40 YEAR OLD - AREA 4 (continued)
GOLD PLAN - 40 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $262 $262
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $106 - $0 NONE
CONSUMER
COST $0 $21 - $50 $156 - $262 $262
PLATINUM PLAN - 40 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $297 $297
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $106 - $0 NONE
CONSUMER
COST $0 $21 - $50 $191 - $297 $297
Health Care Coverage and Plan Rates for 2015 38
Key Facts
Individuals with annual incomes of up to $15,521 qualify for Medical Assistance
Individuals with annual incomes of $15,522 to $23,340 qualify for MinnesotaCare
Individuals with annual incomes of $23,341 to $46,680 are eligible for fnancial
help, see page 5 for more information
60 YEAR OLD - AREA 4
BRONZE PLAN - 60 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $420 $420
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $364 - $115 NONE
CONSUMER
COST $0 $21 - $50 $56 - $305 $420
SILVER PLAN - 60 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $482 $482
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $364 - $115 NONE
CONSUMER
COST $0 $21 - $50 $118 - $367 $482
The tables below provide the lowest monthly cost of health insurance for a 60-year-old individual
living in the region shown on the map above, based on annual income (a county listing for
each region can be found on page 7). You can see if you qualify for no-cost or low-cost
programs like Medical Assistance and MinnesotaCare, or if you are eligible for fnancial help
that will lower your monthly premium.
Brown
Cottonwood
Jackson
Lincoln
Murray
Nobles
Pipestone
Redwood
Rock
Area 4 Counties
Health Care Coverage and Plan Rates for 2015 39
60 YEAR OLD - AREA 4 (continued)
GOLD PLAN - 60 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $557 $557
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $364 - $115 NONE
CONSUMER
COST $0 $21 - $50 $193 - $442 $557
PLATINUM PLAN - 60 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $631 $631
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $364 - $115 NONE
CONSUMER
COST $0 $21 - $50 $267 - $516 $631
Health Care Coverage and Plan Rates for 2015 40
Key Facts
Individuals with annual incomes of up to $15,521 qualify for Medical Assistance
Individuals with annual incomes of $15,522 to $23,340 qualify for MinnesotaCare
Individuals with annual incomes of $23,341 to $46,680 are eligible for fnancial
help, see page 5 for more information
FAMILY OF FOUR - AREA 4
BRONZE PLAN - FAMILY OF FOUR
Income up
to $31,720 $31,721- $47,700 $47,701 - $65,587
$65,588- $
95,400
Above
$95,400
Kids Parents Kids Parents
MONTHLY
PLAN COST n/a n/a n/a n/a $410 $685 $685
PREMIUM
ASSISTANCE
Medical
Assistance
Medical
Assistance
Minnesota-
Care
Medical
Assistance $224 - $0 $312 - $35 NONE
CONSUMER
COST $0 $0 $42 - $100 $0 $186 - $410 $373 - $650 $685
SILVER PLAN - FAMILY OF FOUR
Income up
to $31,720 $31,721- $47,700 $47,701 - $65,587
$65,588- $
95,400
Above
$95,400
Kids Parents Kids Parents
MONTHLY
PLAN COST n/a n/a n/a n/a $471 $787 $787
PREMIUM
ASSISTANCE
Medical
Assistance
Medical
Assistance
Minnesota-
Care
Medical
Assistance $224 - $0 $312 - $35 NONE
CONSUMER
COST $0 $0 $42 - $100 $0 $247 - $471 $475 - $752 $787
The tables below provide the lowest monthly cost of health insurance for a familly of four living
in the region shown on the map above, based on annual income (a county listing for each
region can be found on page 7). You can see if you qualify for no-cost or low-cost programs
like Medical Assistance and MinnesotaCare, or if you are eligible for fnancial help that will lower
your monthly premium.
Brown
Cottonwood
Jackson
Lincoln
Murray
Nobles
Pipestone
Redwood
Rock
Area 4 Counties
Health Care Coverage and Plan Rates for 2015 41
FAMILY OF FOUR - AREA 4 (continued)
GOLD PLAN - FAMILY OF FOUR
Income up
to $31,720 $31,721- $47,700 $47,701 - $65,587
$65,588- $
95,400
Above
$95,400
Kids Parents Kids Parents
MONTHLY
PLAN COST n/a n/a n/a n/a $544 $909 $909
PREMIUM
ASSISTANCE
Medical
Assistance
Medical
Assistance
Minnesota-
Care
Medical
Assistance $224 - $0 $312 - $35 NONE
CONSUMER
COST $0 $0 $42 - $100 $0 $320 - $544 $597 - $874 $909
PLATINUM PLAN - FAMILY OF FOUR
Income up
to $31,720 $31,721- $47,700 $47,701 - $65,587
$65,588- $
95,400
Above
$95,400
Kids Parents Kids Parents
MONTHLY
PLAN COST n/a n/a n/a n/a $616 $1,030 $1,030
PREMIUM
ASSISTANCE
Medical
Assistance
Medical
Assistance
Minnesota-
Care
Medical
Assistance $224 - $0 $312 - $35 NONE
CONSUMER
COST $0 $0 $42 - $100 $0 $392 - $616 $718 - $995 $1,030
Health Care Coverage and Plan Rates for 2015 42
The tables below provide the lowest monthly cost of health insurance for a 25-year-old individual
living in the region shown on the map above, based on annual income (a county listing for
each region can be found on page 7). You can see if you qualify for no-cost or low-cost
programs like Medical Assistance and MinnesotaCare, or if you are eligible for fnancial help
that will lower your monthly premium.
Key Facts
Individuals with annual incomes of up to $15,521 qualify for Medical Assistance
Individuals with annual incomes of $15,522 to $23,340 qualify for MinnesotaCare
Individuals with annual incomes of $23,341 to $46,680 are eligible for fnancial
help, see page 5 for more information
25 YEAR OLD - AREA 5
CATASTROPHIC PLAN - 25 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $116 $116
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare NONE NONE
CONSUMER COST $0 $21 - $50 $116 $116
BRONZE PLAN - 25 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $152 $152
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $55 - $0 NONE
CONSUMER COST $0 $21 - $50 $97 - $152 $152
Big Stone
Chippewa
Kandiyohi
Lac Qui Parle
Lyon
McLeod
Meeker
Renville
Sibley
Swift
Yellow Medicine
Area 5 Counties
Health Care Coverage and Plan Rates for 2015 43
25 YEAR OLD - AREA 5 (continued)
SILVER PLAN - 25 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $177 $177
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $55 - $0 NONE
CONSUMER COST $0 $21 - $50 $122 - $177 $177
GOLD PLAN - 25 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $204 $204
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $55 - $0 NONE
CONSUMER COST $0 $21 - $50 $149 - $204 $204
PLATINUM PLAN - 25 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $232 $232
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $55 - $0 NONE
CONSUMER COST $0 $21 - $50 $177 - $232 $232
Health Care Coverage and Plan Rates for 2015 44
Key Facts
Individuals with annual incomes of up to $15,521 qualify for Medical Assistance
Individuals with annual incomes of $15,522 to $23,340 qualify for MinnesotaCare
Individuals with annual incomes of $23,341 to $46,680 are eligible for fnancial
help, see page 5 for more information
40 YEAR OLD - AREA 5
BRONZE PLAN - 40 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $193 $193
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $104 - $0 NONE
CONSUMER COST $0 $21 - $50 $89 - $193 $193
SILVER PLAN - 40 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $225 $225
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $104 - $0 NONE
CONSUMER COST $0 $21 - $50 $121- $225 $225
The tables below provide the lowest monthly cost of health insurance for a 40-year-old individual
living in the region shown on the map above, based on annual income (a county listing for
each region can be found on page 7). You can see if you qualify for no-cost or low-cost
programs like Medical Assistance and MinnesotaCare, or if you are eligible for fnancial help
that will lower your monthly premium.
Big Stone
Chippewa
Kandiyohi
Lac Qui Parle
Lyon
McLeod
Meeker
Renville
Sibley
Swift
Yellow Medicine
Area 5 Counties
Health Care Coverage and Plan Rates for 2015 45
40 YEAR OLD - AREA 5 (continued)
PLATINUM PLAN - 40 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $295 $295
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $104 - $0 NONE
CONSUMER COST $0 $21 - $50 $191 - $295 $295
GOLD PLAN - 40 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $260 $260
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $104 - $0 NONE
CONSUMER COST $0 $21 - $50 $156 - $260 $260
Health Care Coverage and Plan Rates for 2015 46
The tables below provide the lowest monthly cost of health insurance for a 60-year-old individual
living in the selected region shown in orange above, based on annual income (a county listing
for each region can be found on page 7). You can see if you qualify for no-cost or low-cost
programs like Medical Assistance and MinnesotaCare, or if you are eligible for fnancial help that
will lower your monthly premium.
Key Facts
Individuals with annual incomes of up to $15,521 qualify for Medical Assistance
Individuals with annual incomes of $15,522 to $23,340 qualify for MinnesotaCare
Individuals with annual incomes of $23,341 to $46,680 are eligible for fnancial
help, see page 5 for more information
60 YEAR OLD - AREA 5
BRONZE PLAN - 60 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $411 $411
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $360 - $111 NONE
CONSUMER COST $0 $21 - $50 $51 - $300 $411
SILVER PLAN - 60 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $478 $478
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $360 - $111 NONE
CONSUMER COST $0 $21 - $50 $118 - $367 $478
Big Stone
Chippewa
Kandiyohi
Lac Qui Parle
Lyon
McLeod
Meeker
Renville
Sibley
Swift
Yellow Medicine
Area 5 Counties
Health Care Coverage and Plan Rates for 2015 47
60 YEAR OLD - AREA 5 (continued)
GOLD PLAN - 60 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $553 $553
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $360 - $111 NONE
CONSUMER COST $0 $21 - $50 $193 - $442 $553
PLATINUM PLAN - 60 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $626 $626
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $360 - $111 NONE
CONSUMER COST $0 $21 - $50 $266 - $515 $626
Health Care Coverage and Plan Rates for 2015 48
Key Facts
Individuals with annual incomes of up to $15,521 qualify for Medical Assistance
Individuals with annual incomes of $15,522 to $23,340 qualify for MinnesotaCare
Individuals with annual incomes of $23,341 to $46,680 are eligible for fnancial
help, see page 5 for more information
FAMILY OF FOUR - AREA 5
BRONZE PLAN - FAMILY OF FOUR
Income up
to $31,720 $31,721- $47,700 $47,701 - $65,587
$65,588- $
95,400
Above
$95,400
Kids Parents Kids Parents
MONTHLY
PLAN COST n/a n/a n/a n/a $401 $670 $670
PREMIUM
ASSISTANCE
Medical
Assistance
Medical
Assistance
Minnesota-
Care
Medical
Assistance $220 - $0 $305 - $28 NONE
CONSUMER
COST $0 $0 $42 - $100 $0 $181 - $401 $365 - $642 $670
SILVER PLAN - FAMILY OF FOUR
Income up
to $31,720 $31,721- $47,700 $47,701 - $65,587
$65,588- $
95,400
Above
$95,400
Kids Parents Kids Parents
MONTHLY
PLAN COST n/a n/a n/a n/a $467 $781 $781
PREMIUM
ASSISTANCE
Medical
Assistance
Medical
Assistance
Minnesota-
Care
Medical
Assistance $220 - $0 $305 - $28 NONE
CONSUMER
COST $0 $0 $42 - $100 $0 $247 - $467 $476 - $753 $781
The tables below provide the lowest monthly cost of health insurance for a family of four living in
the selected region shown in orange above, based on annual income (a county listing for each
region can be found on page 7). You can see if you qualify for no-cost or low-cost programs
like Medical Assistance and MinnesotaCare, or if you are eligible for fnancial help that will lower
your monthly premium.
Big Stone
Chippewa
Kandiyohi
Lac Qui Parle
Lyon
McLeod
Meeker
Renville
Sibley
Swift
Yellow Medicine
Area 5 Counties
Health Care Coverage and Plan Rates for 2015 49
FAMILY OF FOUR - AREA 5 (continued)
GOLD PLAN - FAMILY OF FOUR
Income up
to $31,720 $31,721- $47,700 $47,701 - $65,587
$65,588- $
95,400
Above
$95,400
Kids Parents Kids Parents
MONTHLY
PLAN COST n/a n/a n/a n/a $540 $902 $902
PREMIUM
ASSISTANCE
Medical
Assistance
Medical
Assistance
Minnesota-
Care
Medical
Assistance $220 - $0 $305 - $28 NONE
CONSUMER
COST $0 $0 $42 - $100 $0 $320 - $540 $597 - $874 $902
PLATINUM PLAN - FAMILY OF FOUR
Income up
to $31,720 $31,721- $47,700 $47,701 - $65,587
$65,588- $
95,400
Above
$95,400
Kids Parents Kids Parents
MONTHLY
PLAN COST n/a n/a n/a n/a $611 $1,022 $1,022
PREMIUM
ASSISTANCE
Medical
Assistance
Medical
Assistance
Minnesota-
Care
Medical
Assistance $220 - $0 $305 - $28 NONE
CONSUMER
COST $0 $0 $42 - $100 $0 $391 - $611 $717 - $994 $1,022
Health Care Coverage and Plan Rates for 2015 50
The tables below provide the lowest monthly cost of health insurance for a 25-year-old individual
living in the region shown on the map above, based on annual income (a county listing for
each region can be found on page 7). You can see if you qualify for no-cost or low-cost
programs like Medical Assistance and MinnesotaCare, or if you are eligible for fnancial help
that will lower your monthly premium.
Key Facts
Individuals with annual incomes of up to $15,521 qualify for Medical Assistance
Individuals with annual incomes of $15,522 to $23,340 qualify for MinnesotaCare
Individuals with annual incomes of $23,341 to $46,680 are eligible for fnancial
help, see page 5 for more information
25 YEAR OLD - AREA 6
CATASTROPHIC PLAN - 25 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $102 $102
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare NONE NONE
CONSUMER COST $0 $21 - $50 $102 $102
BRONZE PLAN - 25 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $133 $133
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $40 - $0 NONE
CONSUMER COST $0 $21 - $50 $93 - $133 $133
Becker
Clay
Douglas
Grant
Otter Tail
Pope
Stevens
Traverse
Wilkin
Area 6 Counties
Health Care Coverage and Plan Rates for 2015 51
25 YEAR OLD - AREA 6 (continued)
SILVER PLAN - 25 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $162 $162
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $40 - $0 NONE
CONSUMER COST $0 $21 - $50 $122 - $162 $162
GOLD PLAN - 25 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $187 $187
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $40 - $0 NONE
CONSUMER COST $0 $21 - $50 $147 - $187 $187
PLATINUM PLAN - 25 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $213 $213
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $40 - $0 NONE
CONSUMER COST $0 $21 - $50 $173 - $213 $213
Health Care Coverage and Plan Rates for 2015 52
Key Facts
Individuals with annual incomes of up to $15,521 qualify for Medical Assistance
Individuals with annual incomes of $15,522 to $23,340 qualify for MinnesotaCare
Individuals with annual incomes of $23,341 to $46,680 are eligible for fnancial
help, see page 5 for more information
40 YEAR OLD - AREA 6
BRONZE PLAN - 40 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $169 $169
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $84 - $0 NONE
CONSUMER COST $0 $21 - $50 $85 - $169 $169
SILVER PLAN - 40 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $206 $206
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $84 - $0 NONE
CONSUMER COST $0 $21 - $50 $122 - $206 $206
The tables below provide the lowest monthly cost of health insurance for a 40-year-old individual
living in the region shown on the map above, based on annual income (a county listing for
each region can be found on page 7). You can see if you qualify for no-cost or low-cost
programs like Medical Assistance and MinnesotaCare, or if you are eligible for fnancial help
that will lower your monthly premium.
Becker
Clay
Douglas
Grant
Otter Tail
Pope
Stevens
Traverse
Wilkin
Area 6 Counties
Health Care Coverage and Plan Rates for 2015 53
40 YEAR OLD - AREA 6 (continued)
PLATINUM PLAN - 40 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $271 $271
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $84 - $0 NONE
CONSUMER COST $0 $21 - $50 $187 - $271 $271
GOLD PLAN - 40 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $238 $238
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $84 - $0 NONE
CONSUMER COST $0 $21 - $50 $152 - $238 $238
Health Care Coverage and Plan Rates for 2015 54
Key Facts
Individuals with annual incomes of up to $15,521 qualify for Medical Assistance
Individuals with annual incomes of $15,522 to $23,340 qualify for MinnesotaCare
Individuals with annual incomes of $23,341 to $46,680 are eligible for fnancial
help, see page 5 for more information
60 YEAR OLD - AREA 6
BRONZE PLAN - 60 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $359 $359
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $318 - $69 NONE
CONSUMER COST $0 $21 - $50 $41 - $290 $359
SILVER PLAN - 60 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $437 $437
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $318 - $69 NONE
CONSUMER COST $0 $21 - $50 $119 - $368 $437
The tables below provide the lowest monthly cost of health insurance for a 60-year-old individual
living in the region shown on the map above, based on annual income (a county listing for
each region can be found on page 7). You can see if you qualify for no-cost or low-cost
programs like Medical Assistance and MinnesotaCare, or if you are eligible for fnancial help
that will lower your monthly premium.
Becker
Clay
Douglas
Grant
Otter Tail
Pope
Stevens
Traverse
Wilkin
Area 6 Counties
Health Care Coverage and Plan Rates for 2015 55
60 YEAR OLD - AREA 6 (continued)
GOLD PLAN - 60 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $505 $505
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $318 - $69 NONE
CONSUMER COST $0 $21 - $50 $187 - $436 $505
PLATINUM PLAN - 60 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $575 $575
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $318 - $69 NONE
CONSUMER COST $0 $21 - $50 $257 - $506 $575
Health Care Coverage and Plan Rates for 2015 56
Key Facts
Individuals with annual incomes of up to $15,521 qualify for Medical Assistance
Individuals with annual incomes of $15,522 to $23,340 qualify for MinnesotaCare
Individuals with annual incomes of $23,341 to $46,680 are eligible for fnancial
help, see page 5 for more information
FAMILY OF FOUR - AREA 6
BRONZE PLAN - FAMILY OF FOUR
Income up
to $31,720 $31,721- $47,700 $47,701 - $65,587
$65,588- $
95,400
Above
$95,400
Kids Parents Kids Parents
MONTHLY
PLAN COST n/a n/a n/a n/a $350 $586 $586
PREMIUM
ASSISTANCE
Medical
Assistance
Medical
Assistance
Minnesota-
Care
Medical
Assistance $179 - $0 $237 - $0 NONE
CONSUMER
COST $0 $0 $42 - $100 $0 $171 - $350 $349 - $586 $586
SIlVER PLAN - FAMILY OF FOUR
Income up
to $31,720 $31,721- $47,700 $47,701 - $65,587
$65,588- $
95,400
Above
$95,400
Kids Parents Kids Parents
MONTHLY
PLAN COST n/a n/a n/a n/a $426 $713 $713
PREMIUM
ASSISTANCE
Medical
Assistance
Medical
Assistance
Minnesota-
Care
Medical
Assistance $179 - $0 $237 - $0 NONE
CONSUMER
COST $0 $0 $42 - $100 $0 $247 - $426 $476 - $713 $713
The tables below provide the lowest monthly cost of health insurance for a family of four living
in the region shown on the map above, based on annual income (a county listing for each
region can be found on page 7). You can see if you qualify for no-cost or low-cost programs
like Medical Assistance and MinnesotaCare, or if you are eligible for fnancial help that will lower
your monthly premium.
Becker
Clay
Douglas
Grant
Otter Tail
Pope
Stevens
Traverse
Wilkin
Area 6 Counties
Health Care Coverage and Plan Rates for 2015 57
FAMILY OF FOUR - AREA 6 (continued)
GOLD PLAN - FAMILY OF FOUR
Income up
to $31,720 $31,721- $47,700 $47,701 - $65,587
$65,588- $
95,400
Above
$95,400
Kids Parents Kids Parents
MONTHLY
PLAN COST n/a n/a n/a n/a $493 $824 $824
PREMIUM
ASSISTANCE
Medical
Assistance
Medical
Assistance
Minnesota-
Care
Medical
Assistance $179 - $0 $237 - $0 NONE
CONSUMER
COST $0 $0 $42 - $100 $0 $314 - $493 $587 - $824 $824
PLATINUM PLAN - FAMILY OF FOUR
Income up
to $31,720 $31,721- $47,700 $47,701 - $65,587
$65,588- $
95,400
Above
$95,400
Kids Parents Kids Parents
MONTHLY
PLAN COST n/a n/a n/a n/a $562 $939 $939
PREMIUM
ASSISTANCE
Medical
Assistance
Medical
Assistance
Minnesota-
Care
Medical
Assistance $179 - $0 $237 - $0 NONE
CONSUMER
COST $0 $0 $42 - $100 $0 $383 - $562 $702 - $939 $939
Health Care Coverage and Plan Rates for 2015 58
The tables below provide the lowest monthly cost of health insurance for a 25-year-old individual
living in the region shown on the map above, based on annual income (a county listing for
each region can be found on page 7). You can see if you qualify for no-cost or low-cost
programs like Medical Assistance and MinnesotaCare, or if you are eligible for fnancial help
that will lower your monthly premium.
Key Facts
Individuals with annual incomes of up to $15,521 qualify for Medical Assistance
Individuals with annual incomes of $15,522 to $23,340 qualify for MinnesotaCare
Individuals with annual incomes of $23,341 to $46,680 are eligible for fnancial
help, see page 5 for more information
25 YEAR OLD - AREA 7
CATASTROPHIC PLAN - 25 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $88 $88
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare NONE NONE
CONSUMER COST $0 $21 - $50 $88 $88
BRONZE PLAN - 25 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $114 $114
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $38 - $0 NONE
CONSUMER COST $0 $21 - $50 $76 - $114 $114
Aitkin
Beltrami
Cass
Chisago
Crow Wing
Hubbard
Isanti
Kanabec
Mille Lacs
Morrison
Pine
Roseau
Todd
Wadena
Area 7 Counties
Health Care Coverage and Plan Rates for 2015 59
25 YEAR OLD - AREA 7 (continued)
SILVER PLAN - 25 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $149 $149
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $38 - $0 NONE
CONSUMER COST $0 $21 - $50 $111 - $149 $149
GOLD PLAN - 25 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $188 $188
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $38 - $0 NONE
CONSUMER COST $0 $21 - $50 $150 - $188 $188
PLATINUM PLAN - 25 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $229 $229
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $38 - $0 NONE
CONSUMER COST $0 $21 - $50 $191 - $229 $229
Health Care Coverage and Plan Rates for 2015 60
Key Facts
Individuals with annual incomes of up to $15,521 qualify for Medical Assistance
Individuals with annual incomes of $15,522 to $23,340 qualify for MinnesotaCare
Individuals with annual incomes of $23,341 to $46,680 are eligible for fnancial
help, see page 5 for more information
40 YEAR OLD - AREA 7
BRONZE PLAN - 40 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $145 $145
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $82 - $0 NONE
CONSUMER COST $0 $21 - $50 $63 - $145 $145
SILVER PLAN - 40 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $189 $189
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $82 - $0 NONE
CONSUMER COST $0 $21 - $50 $107 - $189 $189
The tables below provide the lowest monthly cost of health insurance for a 40-year-old individual
living in the region shown on the map above, based on annual income (a county listing for
each region can be found on page 7). You can see if you qualify for no-cost or low-cost
programs like Medical Assistance and MinnesotaCare, or if you are eligible for fnancial help
that will lower your monthly premium.
Aitkin
Beltrami
Cass
Chisago
Crow Wing
Hubbard
Isanti
Kanabec
Mille Lacs
Morrison
Pine
Roseau
Todd
Wadena
Area 7 Counties
Health Care Coverage and Plan Rates for 2015 61
40 YEAR OLD - AREA 7 (continued)
GOLD PLAN - 40 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $239 $239
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $82 - $0 NONE
CONSUMER COST $0 $21 - $50 $157 - $239 $239
PLATINUM PLAN - 40 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $291 $291
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $82 - $0 NONE
CONSUMER COST $0 $21 - $50 $209 - $291 $291
Health Care Coverage and Plan Rates for 2015 62
Key Facts
Individuals with annual incomes of up to $15,521 qualify for Medical Assistance
Individuals with annual incomes of $15,522 to $23,340 qualify for MinnesotaCare
Individuals with annual incomes of $23,341 to $46,680 are eligible for fnancial
help, see page 5 for more information
60 YEAR OLD - AREA 7
BRONZE PLAN - 60 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $307 $307
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $313 - $64 NONE
CONSUMER COST $0 $21 - $50 $0 - $243 $307
SILVER PLAN - 60 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $402 $402
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $313 - $64 NONE
CONSUMER COST $0 $21 - $50 $89 - $338 $402
The tables below provide the lowest monthly cost of health insurance for a 60-year-old individual
living in the region shown on the map above, based on annual income (a county listing for
each region can be found on page 7). You can see if you qualify for no-cost or low-cost
programs like Medical Assistance and MinnesotaCare, or if you are eligible for fnancial help
that will lower your monthly premium.
Aitkin
Beltrami
Cass
Chisago
Crow Wing
Hubbard
Isanti
Kanabec
Mille Lacs
Morrison
Pine
Roseau
Todd
Wadena
Area 7 Counties
Health Care Coverage and Plan Rates for 2015 63
60 YEAR OLD - AREA 7 (continued)
GOLD PLAN - 60 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $507 $507
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $313 - $64 NONE
CONSUMER COST $0 $21 - $50 $194 - $443 $507
PLATINUM PLAN - 60 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $618 $618
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $313 - $64 NONE
CONSUMER COST $0 $21 - $50 $305 - $554 $618
Health Care Coverage and Plan Rates for 2015 64
Key Facts
Individuals with annual incomes of up to $15,521 qualify for Medical Assistance
Individuals with annual incomes of $15,522 to $23,340 qualify for MinnesotaCare
Individuals with annual incomes of $23,341 to $46,680 are eligible for fnancial
help, see page 5 for more information
FAMILY OF FOUR - AREA 7
BRONZE PLAN - FAMILY OF FOUR
Income up
to $31,720 $31,721- $47,700 $47,701 - $65,587
$65,588- $
95,400
Above
$95,400
Kids Parents Kids Parents
MONTHLY
PLAN COST n/a n/a n/a n/a $300 $502 $502
PREMIUM
ASSISTANCE
Medical
Assistance
Medical
Assistance
Minnesota-
Care
Medical
Assistance $174 - $0 $229 - $0 NONE
CONSUMER
COST $0 $0 $42 - $100 $0 $126 - $300 $273 - $502 $502
SILVER PLAN - FAMILY OF FOUR
Income up
to $31,720 $31,721- $47,700 $47,701 - $65,587
$65,588- $
95,400
Above
$95,400
Kids Parents Kids Parents
MONTHLY
PLAN COST n/a n/a n/a n/a $392 $656 $656
PREMIUM
ASSISTANCE
Medical
Assistance
Medical
Assistance
Minnesota-
Care
Medical
Assistance $174 - $0 $229 - $0 NONE
CONSUMER
COST $0 $0 $42 - $100 $0 $218 - $392 $427 - $656 $656
The tables below provide the lowest monthly cost of health insurance for a family of four living
in the region shown on the map above, based on annual income (a county listing for each
region can be found on page 7). You can see if you qualify for no-cost or low-cost programs
like Medical Assistance and MinnesotaCare, or if you are eligible for fnancial help that will lower
your monthly premium.
Aitkin
Beltrami
Cass
Chisago
Crow Wing
Hubbard
Isanti
Kanabec
Mille Lacs
Morrison
Pine
Roseau
Todd
Wadena
Area 7 Counties
Health Care Coverage and Plan Rates for 2015 65
FAMILY OF FOUR - AREA 7 (continued)
GOLD PLAN - FAMILY OF FOUR
Income up
to $31,720 $31,721- $47,700 $47,701 - $65,587
$65,588- $
95,400
Above
$95,400
Kids Parents Kids Parents
MONTHLY
PLAN COST n/a n/a n/a n/a $496 $828 $828
PREMIUM
ASSISTANCE
Medical
Assistance
Medical
Assistance
Minnesota-
Care
Medical
Assistance $174 - $0 $229 - $0 NONE
CONSUMER
COST $0 $0 $42 - $100 $0 $332 - $496 $599 - $828 $828
PLATINUM PLAN - FAMILY OF FOUR
Income up
to $31,720 $31,721- $47,700 $47,701 - $65,587
$65,588- $
95,400
Above
$95,400
Kids Parents Kids Parents
MONTHLY
PLAN COST n/a n/a n/a n/a $603 $1,008 $1,008
PREMIUM
ASSISTANCE
Medical
Assistance
Medical
Assistance
Minnesota-
Care
Medical
Assistance $174 - $0 $229 - $0 NONE
CONSUMER
COST $0 $0 $42 - $100 $0 $429 - $603 $779 - $1,008 $1,008
Health Care Coverage and Plan Rates for 2015 66
The tables below provide the lowest monthly cost of health insurance for a 25-year-old individual
living in the region shown on the map above, based on annual income (a county listing for
each region is on page 7). You can see if you qualify for no-cost or low-cost programs like
Medical Assistance and MinnesotaCare, or if you are eligible for fnancial help that will lower
your monthly premium.
Key Facts
Individuals with annual incomes of up to $15,521 qualify for Medical Assistance
Individuals with annual incomes of $15,522 to $23,340 qualify for MinnesotaCare
Individuals with annual incomes of $23,341 to $46,680 are eligible for fnancial
help, see page 5 for more information
25 YEAR OLD - AREA 8
CATASTROPHIC PLAN - 25 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $88 $88
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare NONE NONE
CONSUMER COST $0 $21 - $50 $88 $88
BRONZE PLAN - 25 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $110 $110
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $20 - $0 NONE
CONSUMER COST $0 $21 - $50 $90 - $110 $110
Anoka
Benton
Carver
Dakota
Hennepin
Ramsey
Scott
Sherburne
Stearns
Washington
Wright
Area 8 Counties
Health Care Coverage and Plan Rates for 2015 67
25 YEAR OLD AREA 8 (continued)
SILVER PLAN - 25 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $143 $143
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $20 - $0 NONE
CONSUMER COST $0 $21 - $50 $123 - $143 $143
GOLD PLAN - 25 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $169 $169
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $20 - $0 NONE
CONSUMER COST $0 $21 - $50 $149 - $169 $169
PLATINUM PLAN - 25 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $206 $206
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $20 - $0 NONE
CONSUMER COST $0 $21 - $50 $186 - $206 $206
Health Care Coverage and Plan Rates for 2015 68
Key Facts
Individuals with annual incomes of up to $15,521 qualify for Medical Assistance
Individuals with annual incomes of $15,522 to $23,340 qualify for MinnesotaCare
Individuals with annual incomes of $23,341 to $46,680 are eligible for fnancial
help, see page 5 for more information
40 YEAR OLD - AREA 8
BRONZE PLAN - 40 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY
PLAN COST
n/a
Medical Assistance
n/a
MinnesotaCare $140 $140
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $60 - $0 NONE
CONSUMER
COST $0 $21 - $50 $80 - $140 $140
SILVER PLAN - 40 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY
PLAN COST
n/a
Medical Assistance
n/a
MinnesotaCare $181 $181
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $60 - $0 NONE
CONSUMER
COST $0 $21 - $50 $121 - $181 $181
The tables below provide the lowest monthly cost of health insurance for a 40-year-old individual
living in the region shown on the map above, based on annual income (a county listing for
each region is on page 7). You can see if you qualify for no-cost or low-cost programs like
Medical Assistance and MinnesotaCare, or if you are eligible for fnancial help that will lower
your monthly premium.
Anoka
Benton
Carver
Dakota
Hennepin
Ramsey
Scott
Sherburne
Stearns
Washington
Wright
Area 8 Counties
Health Care Coverage and Plan Rates for 2015 69
40 YEAR OLD - AREA 8 (continued)
GOLD PLAN - 40 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY
PLAN COST
n/a
Medical Assistance
n/a
MinnesotaCare $215 $215
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $60 - $0 NONE
CONSUMER
COST $0 $21 - $50 $155 - $215 $215
PLATINUM PLAN - 40 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY
PLAN COST
n/a
Medical Assistance
n/a
MinnesotaCare $263 $263
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $60 - $0 NONE
CONSUMER
COST $0 $21 - $50 $203 - $263 $263
Health Care Coverage and Plan Rates for 2015 70
Key Facts
Individuals with annual incomes of up to $15,521 qualify for Medical Assistance
Individuals with annual incomes of $15,522 to $23,340 qualify for MinnesotaCare
Individuals with annual incomes of $23,341 to $46,680 are eligible for fnancial
help, see page 5 for more information
60 YEAR OLD - AREA 8
BRONZE PLAN - 60 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY
PLAN COST
n/a
Medical Assistance
n/a
MinnesotaCare $297 $297
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $265 - $17 NONE
CONSUMER
COST $0 $21 - $50 $32 - $280 $297
SILVER PLAN - 60 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY
PLAN COST
n/a
Medical Assistance
n/a
MinnesotaCare $385 $385
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $265 - $17 NONE
CONSUMER
COST $0 $21 - $50 $120 - $368 $385
The tables below provide the lowest monthly cost of health insurance for a 60-year-old individual
living in the region shown on the map above, based on annual income (a county listing for
each region is on page 7). You can see if you qualify for no-cost or low-cost programs like
Medical Assistance and MinnesotaCare, or if you are eligible for fnancial help that will lower
your monthly premium.
Anoka
Benton
Carver
Dakota
Hennepin
Ramsey
Scott
Sherburne
Stearns
Washington
Wright
Area 8 Counties
Health Care Coverage and Plan Rates for 2015 71
60 YEAR OLD - AREA 8 (continued)
PLATINUM PLAN - 60 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY
PLAN COST
n/a
Medical Assistance
n/a
MinnesotaCare $557 $557
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $265 - $17 NONE
CONSUMER
COST $0 $21 - $50 $292 - $540 $557
GOLD PLAN - 60 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY
PLAN COST
n/a
Medical Assistance
n/a
MinnesotaCare $458 $458
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $265 - $17 NONE
CONSUMER
COST $0 $21 - $50 $193- $441 $458
Health Care Coverage and Plan Rates for 2015 72
Key Facts
Individuals with annual incomes of up to $15,521 qualify for Medical Assistance
Individuals with annual incomes of $15,522 to $23,340 qualify for MinnesotaCare
Individuals with annual incomes of $23,341 to $46,680 are eligible for fnancial
help, see page 5 for more information
FAMILY OF FOUR - AREA 8
BRONZE PLAN - FAMILY OF FOUR
Income up
to $31,720 $31,721- $47,700 $47,701 - $65,587
$65,588- $
95,400
Above
$95,400
Kids Parents Kids Parents
MONTHLY
PLAN COST n/a n/a n/a n/a $290 $485 $485
PREMIUM
ASSISTANCE
Medical
Assistance
Medical
Assistance
Minnesota-
Care
Medical
Assistance $127 - $0 $151 - $0 NONE
CONSUMER
COST $0 $0 $42 - $100 $0 $163 - $290 $334 - $485 $485
SILVER PLAN - FAMILY OF FOUR
Income up
to $31,720 $31,721- $47,700 $47,701 - $65,587
$65,588- $
95,400
Above
$95,400
Kids Parents Kids Parents
MONTHLY
PLAN COST n/a n/a n/a n/a $376 $629 $629
PREMIUM
ASSISTANCE
Medical
Assistance
Medical
Assistance
Minnesota-
Care
Medical
Assistance $127 - $0 $151 - $0 NONE
CONSUMER
COST $0 $0 $42 - $100 $0 $249 - $376 $478 - $629 $629
The tables below provide the lowest monthly cost of health insurance for a family of four living in
the region shown on the map above, based on annual income (a county listing for each region
is on page 7). You can see if you qualify for no-cost or low-cost programs like Medical Assistance
and MinnesotaCare, or if you are eligible for fnancial help that will lower your monthly premium.
Anoka
Benton
Carver
Dakota
Hennepin
Ramsey
Scott
Sherburne
Stearns
Washington
Wright
Area 8 Counties
Health Care Coverage and Plan Rates for 2015 73
FAMILY OF FOUR - AREA 8 (continued)
GOLD PLAN - FAMILY OF FOUR
Income up
to $31,720 $31,721- $47,700 $47,701 - $65,587
$65,588- $
95,400
Above
$95,400
Kids Parents Kids Parents
MONTHLY
PLAN COST n/a n/a n/a n/a $447 $747 $747
PREMIUM
ASSISTANCE
Medical
Assistance
Medical
Assistance
Minnesota-
Care
Medical
Assistance $127 - $0 $151 - $0 NONE
CONSUMER
COST $0 $0 $42 - $100 $0 $320 - $447 $596 - $747 $747
PLATINUM PLAN - FAMILY OF FOUR
Income up
to $31,720 $31,721- $47,700 $47,701 - $65,587
$65,588- $
95,400
Above
$95,400
Kids Parents Kids Parents
MONTHLY
PLAN COST n/a n/a n/a n/a $544 $910 $910
PREMIUM
ASSISTANCE
Medical
Assistance
Medical
Assistance
Minnesota-
Care
Medical
Assistance $127 - $0 $151 - $0 NONE
CONSUMER
COST $0 $0 $42 - $100 $0 $417 - $544 $759 - $910 $910
Health Care Coverage and Plan Rates for 2015 74
The tables below provide the lowest monthly cost of health insurance for a 25-year-old individual
living in the region shown on the map above, based on annual income (a county listing for
each region can be found on page 7). You can see if you qualify for no-cost or low-cost
programs like Medical Assistance and MinnesotaCare, or if you are eligible for fnancial help
that will lower your monthly premium.
Key Facts
Individuals with annual incomes of up to $15,521 qualify for Medical Assistance
Individuals with annual incomes of $15,522 to $23,340 qualify for MinnesotaCare
Individuals with annual incomes of $23,341 to $46,680 are eligible for fnancial
help, see page 5 for more information
25 YEAR OLD - AREA 9
CATASTROPHIC PLAN - 25 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $103 $103
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare NONE NONE
CONSUMER COST $0 $21 - $50 $103 $103
BRONZE PLAN - 25 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $135 $135
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $34 - $0 NONE
CONSUMER COST $0 $21 - $50 $101 - $135 $135
Clearwater
Kittson
Mahnomen
Marshall
Norman
Pennington
Polk
Red Lake
Area 9 Counties
Health Care Coverage and Plan Rates for 2015 75
25 YEAR OLD - AREA 9 (continued)
SILVER PLAN - 25 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $156 $156
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $34 - $0 NONE
CONSUMER COST $0 $21 - $50 $122 - $156 $156
GOLD PLAN - 25 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $180 $180
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $34 - $0 NONE
CONSUMER COST $0 $21 - $50 $146 - $180 $180
PLATINUM PLAN - 25 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $205 $205
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $34 - $0 NONE
CONSUMER COST $0 $21 - $50 $171 - $205 $205
Health Care Coverage and Plan Rates for 2015 76
Key Facts
Individuals with annual incomes of up to $15,521 qualify for Medical Assistance
Individuals with annual incomes of $15,522 to $23,340 qualify for MinnesotaCare
Individuals with annual incomes of $23,341 to $46,680 are eligible for fnancial
help, see page 5 for more information
40 YEAR OLD - AREA 9
SILVER PLAN - 40 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $198 $198
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $77 - $0 NONE
CONSUMER COST $0 $21 - $50 $121 - $198 $198
BRONZE PLAN - 40 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $172 $172
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $77 - $0 NONE
CONSUMER COST $0 $21 - $50 $95 - $172 $172
The tables below provide the lowest monthly cost of health insurance for a 40-year-old individual
living in the region shown on the map above, based on annual income (a county listing for
each region can be found on page 7). You can see if you qualify for no-cost or low-cost
programs like Medical Assistance and MinnesotaCare, or if you are eligible for fnancial help
that will lower your monthly premium.
Clearwater
Kittson
Mahnomen
Marshall
Norman
Pennington
Polk
Red Lake
Area 9 Counties
Health Care Coverage and Plan Rates for 2015 77
40 YEAR OLD - AREA 9 (continued)
PLATINUM PLAN - 40 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $261 $261
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $77 - $0 NONE
CONSUMER COST $0 $21 - $50 $184 - $261 $261
GOLD PLAN - 40 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $229 $229
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $77 - $0 NONE
CONSUMER COST $0 $21 - $50 $152 - $229 $229
Health Care Coverage and Plan Rates for 2015 78
Key Facts
Individuals with annual incomes of up to $15,521 qualify for Medical Assistance
Individuals with annual incomes of $15,522 to $23,340 qualify for MinnesotaCare
Individuals with annual incomes of $23,341 to $46,680 are eligible for fnancial
help, see page 5 for more information
60 YEAR OLD - AREA 9
BRONZE PLAN - 60 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $364 $364
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $302 - $53 NONE
CONSUMER COST $0 $21 - $50 $62 - $311 $364
SILVER PLAN - 60 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $421 $421
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $302 - $53 NONE
CONSUMER COST $0 $21 - $50 $119 - $368 $421
The tables below provide the lowest monthly cost of health insurance for a 60-year-old individual
living in the region shown on the map above, based on annual income (a county listing for
each region can be found on page 7). You can see if you qualify for no-cost or low-cost
programs like Medical Assistance and MinnesotaCare, or if you are eligible for fnancial help
that will lower your monthly premium.
Clearwater
Kittson
Mahnomen
Marshall
Norman
Pennington
Polk
Red Lake
Area 9 Counties
Health Care Coverage and Plan Rates for 2015 79
60 YEAR OLD - AREA 9 (continued)
GOLD PLAN - 60 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $486 $486
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $302 - $53 NONE
CONSUMER COST $0 $21 - $50 $184 - $433 $486
PLATINUM PLAN - 60 YEAR OLD
Income up to $15,521 $15,522 to $23,340 $23,341 to $46,680 Above $46,680
MONTHLY PLAN
COST
n/a
Medical Assistance
n/a
MinnesotaCare $554 $554
PREMIUM
ASSISTANCE
n/a
Medical Assistance
n/a
MinnesotaCare $302 - $53 NONE
CONSUMER COST $0 $21 - $50 $252 - $501 $554
Health Care Coverage and Plan Rates for 2015 80
Key Facts
Individuals with annual incomes of up to $15,521 qualify for Medical Assistance
Individuals with annual incomes of $15,522 to $23,340 qualify for MinnesotaCare
Individuals with annual incomes of $23,341 to $46,680 are eligible for fnancial
help, see page 5 for more information
FAMILY OF FOUR - AREA 9
BRONZE PLAN - FAMILY OF FOUR
Income up
to $31,720 $31,721- $47,700 $47,701 - $65,587
$65,588- $
95,400
Above
$95,400
Kids Parents Kids Parents
MONTHLY
PLAN COST n/a n/a n/a n/a $356 $595 $595
PREMIUM
ASSISTANCE
Medical
Assistance
Medical
Assistance
Minnesota-
Care
Medical
Assistance $163 - $0 $211 - $0 NONE
CONSUMER
COST $0 $0 $42 - $100 $0 $193 - $356 $384 $595
SILVER PLAN - FAMILY OF FOUR
Income up
to $31,720 $31,721- $47,700 $47,701 - $65,587
$65,588- $
95,400
Above
$95,400
Kids Parents Kids Parents
MONTHLY
PLAN COST n/a n/a n/a n/a $411 $687 $687
PREMIUM
ASSISTANCE
Medical
Assistance
Medical
Assistance
Minnesota-
Care
Medical
Assistance $163 - $0 $211 - $0 NONE
CONSUMER
COST $0 $0 $42 - $100 $0 $248 - $411 $476 - $687 $687
The tables below provide the lowest monthly cost of health insurance for a family of four living
in the region shown on the map above, based on annual income (a county listing for each
region can be found on page 7). You can see if you qualify for no-cost or low-cost programs
like Medical Assistance and MinnesotaCare, or if you are eligible for fnancial help that will lower
your monthly premium.
Clearwater
Kittson
Mahnomen
Marshall
Norman
Pennington
Polk
Red Lake
Area 9 Counties
Health Care Coverage and Plan Rates for 2015 81
FAMILIY OF FOUR - AREA 9 (continued)
GOLD PLAN - FAMILY OF FOUR
Income up
to $31,720 $31,721- $47,700 $47,701 - $65,587
$65,588- $
95,400
Above
$95,400
Kids Parents Kids Parents
MONTHLY
PLAN COST n/a n/a n/a n/a $475 $794 $794
PREMIUM
ASSISTANCE
Medical
Assistance
Medical
Assistance
Minnesota-
Care
Medical
Assistance $163 - $0 $211 - $0 NONE
CONSUMER
COST $0 $0 $42 - $100 $0 $312 - $475 $583 - $794 $794
PLATINUM PLAN - FAMILY OF FOUR
Income up
to $31,720 $31,721- $47,700 $47,701 - $65,587
$65,588- $
95,400
Above
$95,400
Kids Parents Kids Parents
MONTHLY
PLAN COST n/a n/a n/a n/a $541 $905 $905
PREMIUM
ASSISTANCE
Medical
Assistance
Medical
Assistance
Minnesota-
Care
Medical
Assistance $163 - $0 $211 - $0 NONE
CONSUMER
COST $0 $0 $42 - $100 $0 $378 - $541 $694 - $905 $905
Health Care Coverage and Plan Rates for 2015 82
Small Business Health Options Program (SHOP)
PLANS 2014 2015
Lowest Cost Bronze Plan
$254 $243
Lowest Cost Silver Plan
$297 $272
Lowest Cost Gold Plan
$345 $322
Lowest Cost Platinum Plan
No Plan Offered $381
Average Bronze Plan
$286 $313
Average Silver Plan
$335 $379
Average Gold Plan
$389 $426
Average Platinum Plan
No Plan Offered $465
Medica
Blue Cross Blue Shield of Minnesota
The tables below provide a snapshot of the lowest monthly cost and average monthly cost of
health insurance for a 40-year-old small business employee. In 2015, SHOP will have two carriers,
Blue Cross and Blue Shield of Minnesota, and Medica. Premiums are universal statewide.
PLANS 2014 2015
Lowest Cost Bronze Plan
$252 $276
Lowest Cost Silver Plan
$293 $290
Lowest Cost Gold Plan
$344 $337
Lowest Cost Platinum Plan
$444 $375
Average Bronze Plan
$315 $309
Average Silver Plan
$368 $360
Average Gold Plan
$430 $403
Average Platinum Plan
$490 $465