The Free Press, Mankato, MN

MN Health Care

September 18, 2013

Obamacare forum draws a crowd

Questions aplenty on Affordable Health Care Act


n Obamacare removes pre-existing medical conditions as a barrier to get insurance. Will private insurance companies that aren’t a part of MNsure have to follow the same rules?


n How many uninsured Minnesotans will be covered and how many will remain uncovered by health insurance?

At full implementation, about 200,000 uninsured Minnesotans will gain insurance. Some 350,000 will choose to not be insured.

n There are federal tax credits to help pay for health insurance for lower-income individuals or households. How does it work?

The credits are based on household income. Married couples must file taxes jointly to be eligible. Grown children up to age 26 can be covered under their parents’ insurance. If the child files taxes separately, potential tax credits are based on their income; if the parents claim the child on taxes, the potential tax credit is based on the parents’ income.

When deciding whether someone qualifies for tax credits, the IRS looks at only income, not assets of the person or family seeking credits.

■ How many private insurance companies are participating in MNsure coverage?

All of the big ones, including Blue Cross, UCare, Health Partners, PreferredOne and Medica. Those five companies currently cover 91 percent of all Minnesotans with health insurance.

■ Are there caps on out-of-pocket costs for people with insurance?

Yes. The deductible/co-pay is $6,300 annually for an individual and $12,600 for a family.

■ Are there different levels of coverage available?

Yes, it depends on what you want to pay for premiums. There are bronze, silver, gold and platinum levels of health insurance. The bronze level will cover 60 percent of your medical costs, with you paying the rest. The top tier will pay 90 percent of your medical costs.

■ Where do I get more information?, or call 1-855-366-7873.



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