For example, if you or a spouse earns self-employment income, you won't be able to claim the self-employed health insurance deduction if you would have been eligible for an employer-sponsored healthcare plan. If the insurance offered by your employer does not meet minimum value or is unaffordable, then you may be eligible to get premium tax credits to help pay for the health insurance you purchase through the Marketplace. The only catch is you won't be eligible for a subsidy to help pay for the health plan if your employer offers an affordable health plan that meets the requirements. A. Obamacare increased the options employees' spouses have for obtaining health insurance, and the law does not require employers to offer coverage to spouses. To avoid a gap in coverage, you can contact MNsure up to 60 days in advance of your employer’s plan ending to begin the enrollment process. You can possibly get Medicaid even though your employer offers health insurance. If you have access to affordable employer coverage then you can't get Marketplace cost assistance. They are a spouse that does not qualify for a personal tax exemption deduction by the employee AND they do not file taxes jointly with the employee. There are no limits to how much money or other assets you have. You may qualify for a tax credit or MinnesotaCare only if your employer does not offer coverage, or offers coverage that doesn't meet certain standards. Can small employers purchase insurance for employees and their dependents on MNsure, or just employees? An individual that does not have MEC through ESI can be eligible for MinnesotaCare or APTC if: Contact Center: If your employer offers you affordable health coverage, you cannot get MinnesotaCare nor can you get subsidies for purchasing an individual health plan through MNsure. If you can’t get insurance through your employer, it might not be a bad idea to start sending your resume out to companies that offer the coverage you need. 651-539-2099 or 855-366-7873, Immigration Status and Supporting Documentation, Adoption, Foster Care, Child Support or Court Order, Special Enrollment Period Verification Request, Name, Birthdate, Phone, Email, Social Security Number, Renew Medical Assistance or MinnesotaCare, Private Coverage Rights and Responsibilities, Public Coverage Rights and Responsibilities, Board and Advisory Committee Document Library, Consumer and Small Employers Advisory Committee, METS Executive Steering Committee Meeting Materials Archive, Qualified Health Plan Enrollment and Termination, COVID Testing Application Assistance Policy, Renewal Eligibility Notice - After Follow-Up, Oracle Mobile Authenticator Registration Instructions, Appendix A: Health Coverage from Jobs (PDF), Coverage provided by an employer to an employee and their dependents, including some, Continuation coverage required under federal or state law, such as health coverage through the Consolidated Omnibus Budget Act (COBRA). Will I be penalized for getting a subsidy when my employer offers benefits? You may also be eligible for a new kind of tax credit that lowers your monthly premium for health insurance plans sold through MNsure, or for free or low‐cost insurance from Medical Assistance or MinnesotaCare. Medical Assistance, however, does not look at the availability of employer-sponsored insurance. Can I do that? Most, but not all, employers help pay premiums. How should I answer this question about access to ESI if I am applying during the same month I am still covered (job ends today and coverage goes through end of the month)? Also, this employer Can I apply for a subsidy to help me buy my own insurance? Medicaid is a federally funded program administered by each of the states. The amount they subsidize can vary from employer to employer. You’ll be eligible for savings only if the insurance your employer offers isn’t considered affordable or doesn’t meet certain minimum standards. If you’re currently enrolled in a Marketplace plan with savings, these savings may change because of the help you get through a job. The link between employers and health insurance can leave employees feeling a little uneasy. The EIN should be entered as a 9-digit number without dashes. If the ESI is considered "cost-effective," Medical Assistance may pay the employee's premiums. You’d have to pay full price for a Marketplace plan — even if you don’t enroll in the insurance your employer offers. Total Pay. Visit the MNsure website at www.mnsure.org for more information about their Open Enrollment. "Access" means coverage is available to the person, even if the person declines the coverage. Your family’s income is at or below 138% of the Federal Poverty Guidelines (FPG) ($17,236 for an individual; $35,535 for a family of four). Yes. Nonetheless, you can still claim your insurance costs as a medical expense if you meet the Internal Revenue Service's requirements. Access to ESI can affect your eligibility for financial help. If you are … Using the form Appendix A: Health Coverage from Jobs (PDF)will help you gather nearly all the information you will need to complete ESI questions on the application. Your employer offers coverage, but you think it's a lousy plan. If your company does offer group health insurance, the number of hours that you work determines whether or not you automatically qualify for affordable healthcare through your job. And experts say that employers are more likely to simply encourage their workers to get immunized rather that issue a company-wide mandate. To apply for coverage with financial help, you will need to call the MNsure Contact Center. When applying for health coverage with financial help, you'll need to report information about any employer-sponsored insurance (ESI) available to you, even if you are not enrolled in it. If they’ve declined affordable, minimum value employer coverage, they can certainly purchase health coverage through the exchange. Sometimes Medicaid will help cover your employer provided insurance if it's to the financial benefit of the state. To avoid a gap in coverage, you can contact MNsure up to 60 days in advance of your employer’s plan ending to begin the enrollment process. About $19 - $21/hr Base Pay. This means that if your employer offers coverage for you and your dependents and it meets the affordability standard for employee-only coverage, you and your dependents will NOT be eligible for MinnesotaCare even if dependent coverage is higher than 9.5% of your household income. You may qualify to save money and lower or eliminate your monthly premium. However, your employer may offer different options for when your individual coverage HRA or QSEHRA can start so you have more time to enroll. 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