MNsure, Minnesota’s healthcare exchange, allows for outside organizations to provide support to individuals and small businesses shopping for coverage on MNsure. Here are the different types of representatives available to help you evaluate your Healthcare Options. (credit to the MNsure website). 

Navigators are:

·         Persons who help individuals and families achieve successful enrollments into health plans through the MNsure marketplace;

·         Listed on the MNsure website;

·         Obligated to help any consumer that contacts them for assistance.

Navigators are not insurance agents or brokers. They help people work through the process of applying and enrolling.

Agents/brokers are:

Insurance professionals who are trained and licensed to sell insurance plans in Minnesota.  Only those who have been approved, trained, and certified by MNsure are allowed to work with you. Need 5 reasons to build a relationship with an agent-broker?

These MNsure-certified experts have much to offer:

·         They can help you understand available plans, the coverage they offer, and the costs.

·         They provide well-informed assistance to help you determine if you qualify for employer tax credits.

·         They will support you in defining your roster of employees being offered coverage.

·         They are experienced in the use of the MNsure marketplace and knowledgeable of the supporting legislation. 

·         They give ongoing support for employers during the policy coverage year.

Certified Application Counselors (CACs) are:

Trained and certified to help people with MNsure questions. They do this as part of their jobs with organizations such as:

·         Hospitals 

·         Clinics 

·         Associations 

·         Other groups

CACs are not insurance agents or brokers. They help people work through the process of applying and enrolling in the context of their daily job duties. They are not listed on the MNsure website and are not obligated to help any consumer that contacts them for assistance.

Minnesotans can find a Navigator or Broker here.

Holt Law is not affiliated with MNsure.  This information is educational and is NOT Legal Advice.  Contact Holt Law if you have issues with your healthcare enrollment that require legal action.

FB Twitter