Health Care Coverage and Plan Rates for A Snapshot of 2015 Premiums and Tax Credits

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1 Health Care Coverage and Plan Rates for 2015 A Snapshot of 2015 Premiums and Tax Credits

2 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 is Calculated... 5 Small Business Premium Tax Credit Calculation... 6 Benefits Included in All MNsure Health Plans... 6 MNsure Health Insurance Plan Rates by Region Premium Scenarios Premium Scenarios... 9 Area 1 - Plan Cost Scenarios Area 2 - Plan Cost Scenarios Area 3 - Plan Cost Scenarios Area 4 - Plan Cost Scenarios Area 5 - Plan Cost Scenarios Area 6 - Plan Cost Scenarios Area 7 - Plan Cost Scenarios Area 8 - Plan Cost Scenarios Area 9 - Plan Cost Scenarios... 74

3 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 ( or MinnesotaCare), or other forms of financial 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 consumer s 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 consumer s cost. It is not intended to provide Minnesotans with their exact premium cost, tax credit or Cost Sharing Reduction. Plan data reflected 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 year s 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 financial help either through federal tax credits or MinnesotaCare and to help pay the cost of their health insurance plan. Data All data in this document is provided by the Minnesota Department of Commerce. Health Care Coverage and Plan Rates for

4 Executive Summary Open Enrollment begins November 15, 2014 Open enrollment for 2015 coverage runs November 15, February 15, 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, 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 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 five 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

5 The Only Place to Get Financial Help Many Minnesotans will qualify for no-cost or low-cost plans. MNsure is the only place this financial 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. Free In-Person Help Is Available 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 certified navigators, agents and brokers near you. Go to MNsure.org, Keyword: Assister Directory MNsure Contact Center MNSURE ( ) Fully trained specialists available to answer your questions through a tollfree hotline. Shop and Compare MNsure is the only place where consumers can shop and compare plans, as well as qualify for financial help either through federal tax credits or MinnesotaCare and 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 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. * Exceptions: individuals without proper immigration status and incarcerated individuals. Health Care Coverage and Plan Rates for

6 What You Need to Know about MNsure Plans When applying through MNsure, you can decide whether you would like to apply for financial assistance. If so, you will be determined eligible for one of three possible plan types:, MinnesotaCare or a Qualified Health Plan (QHP). This eligibility is determined based on your household size and income. What is a Qualified 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 fits your needs. All MNsure health insurance plans must design their cost-sharing (deductibles, copays, coinsurance) to fit specific levels of coverage. The levels of coverage are defined 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? is Minnesota s 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. There is no monthly cost for enrollees on. 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. Eligibility and enrollment for 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. 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 fit his needs. He was also able to find coverage for his infant son through, bringing him quality coverage at no cost. Health Care Coverage and Plan Rates for

7 How Financial is Calculated Through MNsure some individuals and families may qualify for financial 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 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 individual s 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 financial assistance available through MNsure. Below is a breakdown of what information is used to calculate the final 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. Ying, 61 Ying is happy that he now has health insurance so he can go to the hospital with peace of mind and doesn t have to worry about paying too much. 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 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. 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. Health Care Coverage and Plan Rates for 2015 Tax credits for private coverage for some children Private coverage with monthly premiums that vary depending on plan. Not eligible for tax credits. 5

8 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. Benefits 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 parent s health plan until age 26, unless they have access to coverage through their employer Requiring that 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; flu shots and more. and MinnesotaCare is offered through MNsure and continues to include the comprehensive benefits available through these programs today. Shari, 52 I did not think I would qualify for financial assistance. Minnesotans that may have previously been denied coverage like MinnesotaCare or may now qualify due to changes in eligibility rules. Health Care Coverage and Plan Rates for

9 MNsure Health Insurance Plan Rates by Region There are 9 insurance rate pricing regions in Minnesota Area 1 Area 2 Area 3 Dodge Fillmore Freeborn Goodhue Houston Mower Olmsted Steele Wabasha Winona Carlton Cook Itasca Koochiching Lake Lake of the Woods St. Louis Blue Earth Faribault Waseca Le Sueur Martin Nicollet Rice Watonwan Area 4 Area 5 Area 6 Brown Cottonwood Jackson Lincoln Murray Nobles Pipestone Redwood Rock Big Stone Chippewa Kandiyohi Lac Qui Parle Lyon McLeod Meeker Renville Sibley Swift Yellow Medicine Becker Clay Douglas Grant Otter Tail Pope Stevens Traverse Wilkin Area 7 Area 8 Area 9 Aitkin Beltrami Cass Chisago Crow Wing Hubbard Isanti Kanabec Mille Lacs Morrison Pine Roseau Todd Wadena Anoka Benton Carver Dakota Hennepin Ramsey Scott Sherburne Stearns Washington Wright Clearwater Kittson Mahnomen Marshall Norman Pennington Polk Red Lake Health Care Coverage and Plan Rates for

10 2015 Premium Scenarios* 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 1 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, he ll see a 15% decrease in his premium. Rating Area 9 Miguel, 25, St. Paul Miguel s bronze plan premium will increase $20/month in However, this year he will qualify for a tax credit of $20/month, which means he ll pay the same as he did last year for a bronze level plan. Rating Area 8 * These scenarios are real, these people are not. Health Care Coverage and Plan Rates for

11 2015 Premium Scenarios* 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. That s nearly $1,200 in additional tax credits for Rating Area 5 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. Rating Area 2 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

12 25 YEAR OLD - AREA 1 Area 1 Counties Dodge Fillmore Freeborn Goodhue Houston Mower Olmsted Steele Wabasha Winona 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 and MinnesotaCare, or if you are eligible for financial help that will lower your monthly premium. Key Facts Individuals with annual incomes of up to $15,521 qualify for 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 financial help, see page 5 for more information CATASTROPHIC PLAN - 25 YEAR OLD MinnesotaCare $128 $128 MinnesotaCare NONE NONE $0 $21 - $50 $128 $128 BRONZE PLAN - 25 YEAR OLD MinnesotaCare $194 $194 MinnesotaCare $99 to 0 NONE $0 $21 - $50 $95 to $194 $194 Health Care Coverage and Plan Rates for

13 25 YEAR OLD - AREA 1 (continued) SILVER PLAN - 25 YEAR OLD MinnesotaCare $221 $221 MinnesotaCare $99 - $0 NONE $0 $21 - $50 $122 - $221 $221 GOLD PLAN - 25 YEAR OLD MinnesotaCare $254 $254 MinnesotaCare $99 - $0 NONE $0 $21 -$50 $155 - $254 $254 PLATINUM PLAN - 25 YEAR OLD MinnesotaCare $306 $306 MinnesotaCare $99 - $0 NONE $0 $4 -$50 $207 - $306 $306 Health Care Coverage and Plan Rates for

14 40 YEAR OLD - AREA 1 Area 1 Counties Dodge Fillmore Freeborn Goodhue Houston Mower Olmsted Steele Wabasha Winona 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 and MinnesotaCare, or if you are eligible for financial help that will lower your monthly premium. Key Facts Individuals with annual incomes of up to $15,521 qualify for 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 financial help, see page 5 for more information BRONZE PLAN - 40 YEAR OLD MinnesotaCare $247 $247 MinnesotaCare $159 - $0 NONE $0 $21 - $50 $88 - $247 $247 SILVER PLAN - 40 YEAR OLD MinnesotaCare $282 $282 MinnesotaCare $159 - $0 NONE $0 $21 - $50 $123 - $282 $282 Health Care Coverage and Plan Rates for

15 40 YEAR OLD - AREA 1 (continued) GOLD PLAN - 40 YEAR OLD MinnesotaCare $324 $324 MinnesotaCare $159 - $0 NONE $0 $21 - $50 $165 - $324 $324 PLATINUM PLAN - 40 YEAR OLD MinnesotaCare $389 $389 MinnesotaCare $159- $0 NONE $0 $21- $50 $230 - $389 $389 Health Care Coverage and Plan Rates for

16 60 YEAR OLD - AREA 1 Area 1 Counties Dodge Fillmore Freeborn Goodhue Houston Mower Olmsted Steele Wabasha Winona 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 and MinnesotaCare, or if you are eligible for financial help that will lower your monthly premium. Key Facts Individuals with annual incomes of up to $15,521 qualify for 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 financial help, see page 5 for more information BRONZE PLAN - 60 YEAR OLD MinnesotaCare $524 $524 MinnesotaCare $477 - $228 NONE $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 MinnesotaCare $598 $598 MinnesotaCare $477 - $228 NONE $0 $4 -$50 $122 - $370 $598 Health Care Coverage and Plan Rates for

17 60 YEAR OLD - AREA 1 (continued) GOLD PLAN - 60 YEAR OLD MinnesotaCare $687 $687 MinnesotaCare $477- $228 NONE $0 $21 - $50 $210 - $459 $687 PLATINUM PLAN - 60 YEAR OLD MinnesotaCare $826 $826 MinnesotaCare $477- $228 NONE $0 $21 - $50 $349 - $598 $826 Health Care Coverage and Plan Rates for

18 FAMILY OF FOUR - AREA 1 Area 1 Counties Dodge Fillmore Freeborn Goodhue Houston Mower Olmsted Steele Wabasha Winona 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 and MinnesotaCare, or if you are eligible for financial help that will lower your monthly premium. Key Facts Individuals with annual incomes of up to $15,521 qualify for 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 financial help, see page 5 for more information 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 PLAN $512 $857 $857 Minnesota- Care $475 - $245 $638 - $361 NONE $0 $0 $42 - $100 $0 $37 - $267 $219 - $496 $857 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 PLAN $584 $977 $977 Minnesota- Care $475 - $245 $638 - $361 NONE $0 $0 $42 - $100 $0 $109 - $339 $339 - $616 $977 Health Care Coverage and Plan Rates for

19 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 PLAN $671 $1,122 $1,122 Minnesota- Care $475 - $245 $638 - $361 NONE $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 PLAN $807 $1,349 $1,349 Minnesota- Care $475 - $245 $638 - $361 NONE $0 $0 $42 - $100 $0 $332 - $562 $711 - $988 $1,349 Health Care Coverage and Plan Rates for

20 25 YEAR OLD - AREA 2 Area 2 Counties Carlton Cook Itasca Koochiching Lake Lake of the Woods St. Louis 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 and MinnesotaCare, or if you are eligible for financial help that will lower your monthly premium. Key Facts Individuals with annual incomes of up to $15,521 qualify for 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 financial help, see page 5 for more information CATASTROPHIC PLAN - 25 YEAR OLD MinnesotaCare $97 $97 MinnesotaCare NONE NONE $0 $21 - $50 $97 $97 BRONZE PLAN - 25 YEAR OLD MinnesotaCare $124 $124 MinnesotaCare $59 - $0 NONE $0 $21 - $50 $65 - $124 $124 Health Care Coverage and Plan Rates for

21 25 YEAR OLD AREA - 2 (continued) SILVER PLAN - 25 YEAR OLD MinnesotaCare $161 $161 MinnesotaCare $59- $0 NONE $0 $21 - $50 $103 - $161 $161 GOLD PLAN - 25 YEAR OLD MinnesotaCare $188 $188 MinnesotaCare $59 - $0 NONE $0 $21 - $50 $129 - $188 $188 PLATINUM PLAN - 25 YEAR OLD MinnesotaCare $251 $251 MinnesotaCare $59 - $0 NONE $0 $21 - $50 $192 - $251 $251 Health Care Coverage and Plan Rates for

22 40 YEAR OLD - AREA 2 Area 2 Counties Carlton Cook Itasca Koochiching Lake Lake of the Woods St. Louis 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 and MinnesotaCare, or if you are eligible for financial help that will lower your monthly premium. Key Facts Individuals with annual incomes of up to $15,521 qualify for 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 financial help, see page 5 for more information BRONZE PLAN - 40 YEAR OLD PLAN MinnesotaCare $157 $157 MinnesotaCare $109 - $0 NONE $0 $21 - $50 $48 - $157 $157 SILVER PLAN - 40 YEAR OLD PLAN MinnesotaCare $213 $213 MinnesotaCare $109 - $0 NONE $0 $21 - $50 $104 - $213 $213 Health Care Coverage and Plan Rates for

23 40 YEAR OLD AREA - 2 (continued) GOLD PLAN - 40 YEAR OLD PLAN MinnesotaCare $239 $239 MinnesotaCare $109 - $0 NONE $0 $21 - $50 $130 - $239 $239 PLATINUM PLAN - 40 YEAR OLD PLAN MinnesotaCare $319 $319 MinnesotaCare $109 - $0 NONE $0 $21 - $50 $210 - $319 $319 Health Care Coverage and Plan Rates for

24 60 YEAR OLD - AREA 2 Area 2 Counties Carlton Cook Itasca Koochiching Lake Lake of the Woods St. Louis 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 and MinnesotaCare, or if you are eligible for financial help that will lower your monthly premium. Key Facts Individuals with annual incomes of up to $15,521 qualify for 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 financial help, see page 5 for more information BRONZE PLAN - 60 YEAR OLD PLAN MinnesotaCare $431 $431 MinnesotaCare $369 - $120 NONE $0 $21 - $50 $62 - $310 $431 SILVER PLAN - 60 YEAR OLD PLAN MinnesotaCare $436 $436 MinnesotaCare $369- $120 NONE $0 $21 - $50 $67 - $316 $436 Health Care Coverage and Plan Rates for

25 60 YEAR OLD AREA - 2 (continued) GOLD PLAN - 60 YEAR OLD PLAN MinnesotaCare $507 $507 MinnesotaCare $369 - $120 NONE $0 $21 - $50 $138 - $387 $507 PLATINUM PLAN - 60 YEAR OLD PLAN MinnesotaCare $678 $678 MinnesotaCare $369 - $120 NONE $0 $21 - $50 $309 - $557 $678 Health Care Coverage and Plan Rates for

26 FAMILY OF FOUR - AREA 2 Area 2 Counties Carlton Cook Itasca Koochiching Lake Lake of the Woods St. Louis 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 and MinnesotaCare, or if you are eligible for financial help that will lower your monthly premium. Key Facts Individuals with annual incomes of up to $15,521 qualify for 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 financial help, see page 5 for more information 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 PLAN $326 $545 $545 Minnesota- Care $229 - $0 $320 - $44 NONE $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 PLAN $426 $712 $712 Minnesota- Care $229 - $0 $320 - $44 NONE $0 $0 $42 - $100 $0 $197 - $426 $392 - $668 $712 Health Care Coverage and Plan Rates for

27 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 PLAN $496 $828 $828 Minnesota- Care $229 - $0 $320 - $44 NONE $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 PLAN $662 $1,107 $1,107 Minnesota- Care $229 - $0 $320 - $44 NONE $0 $0 $42 - $100 $0 $433 - $662 $787 - $1,063 $1,107 Health Care Coverage and Plan Rates for

28 25 YEAR OLD - AREA 3 Area 3 Counties Blue Earth Faribault Waseca Le Sueur Martin Nicollet Rice Watonwan 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 and MinnesotaCare, or if you are eligible for financial help that will lower your monthly premium. Key Facts Individuals with annual incomes of up to $15,521 qualify for 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 financial help, see page 5 for more information CATASTROPHIC PLAN - 25 YEAR OLD MinnesotaCare $115 $115 MinnesotaCare NONE NONE $0 $21 - $50 $115 $115 BRONZE PLAN - 25 YEAR OLD MinnesotaCare $158 $158 MinnesotaCare $63 - $0 NONE $0 $21 - $50 $95 - $158 $158 Health Care Coverage and Plan Rates for

29 25 YEAR OLD AREA - 3 (continued) SILVER PLAN - 25 YEAR OLD MinnesotaCare $182 $182 MinnesotaCare $63 - $0 NONE $0 $21 - $50 $119 - $182 $182 GOLD PLAN - 25 YEAR OLD MinnesotaCare $210 $210 MinnesotaCare $63 - $0 NONE $0 $21 - $50 $147 - $210 $210 PLATINUM PLAN - 25 YEAR OLD MinnesotaCare $238 $238 MinnesotaCare $63 - $0 NONE $0 $21 - $50 $174 - $238 $238 Health Care Coverage and Plan Rates for

30 40 YEAR OLD - AREA 3 Area 3 Counties Blue Earth Faribault Waseca Le Sueur Martin Nicollet Rice Watonwan 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 and MinnesotaCare, or if you are eligible for financial help that will lower your monthly premium. Key Facts Individuals with annual incomes of up to $15,521 qualify for 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 financial help, see page 5 for more information BRONZE PLAN - 40 YEAR OLD MinnesotaCare $202 $202 MinnesotaCare $113 - $0 NONE $0 $21 - $50 $89 - $202 $202 SILVER PLAN - 40 YEAR OLD MinnesotaCare $231 $231 MinnesotaCare $113 - $0 NONE $0 $21 - $50 $118 - $231 $231 Health Care Coverage and Plan Rates for