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