2019 plan and premium scenarios - minnesota2019 plan and premium scenarios october 2018 mnsure’s...
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2019 Plan and Premium Scenarios
October 2018
MNsure’s Accessibility & Equal Opportunity (AEO) ofce can provide this information in accessible formats for individuals with disabilities. Additionally, the AEO ofce can provide information on disability rights and protections to access MNsure programs. The AEO ofce can be reached at 855-366-7873 or [email protected].
2019 Plan and Premium Scenarios | MNsure
MNsure Health Insurance Plan Rates by Region
There are nine insurance rate pricing regions in Minnesota
Area 1
Dodge Fillmore Freeborn Goodhue Houston Mower Olmsted Steele Wabasha Winona
Area 4
Brown Cottonwood Jackson Lincoln Murray Nobles Pipestone Redwood Rock
Area 7
Aitkin Beltrami Cass Chisago Crow Wing Hubbard Isanti Kanabec Mille Lacs Morrison Pine Roseau Todd Wadena
Area 2
Carlton Cook Itasca Koochiching Lake Lake of the Woods St. Louis
Area 5
Big Stone Chippewa Kandiyohi Lac Qui Parle Lyon McLeod Meeker Renville Sibley Swift Yellow Medicine
Area 8
Anoka Benton Carver Dakota Hennepin Ramsey Scott Sherburne Stearns Washington Wright
Area 3
Blue Earth Faribault Le Sueur Martin Nicollet Rice Waseca Watonwan
Area 6
Becker Clay Douglas Grant Otter Tail Pope Stevens Traverse Wilkin
Area 9
Clearwater Kittson Mahnomen Marshall Norman Pennington Polk Red Lake
1
2019 Plan and Premium Scenarios | MNsure2
These scenarios are real, these people are not.
30-year-old in Rochester Bronze Plan | $38 000 income
Family of 4 in Rochester Gold Plan | $8 ,000 income
Area 1 Premium Scenarios
Area 1 Counties
Dodge, Fillmore, Freeborn, Goodhue, Houston, Mower, Olmsted, Steele, Wabasha, Winona
2018 2019
Consumer cost $286/mo
$226/mo MNsure tax credit
$512/mo remium
Consumer cost $282/mo
$116/mo MNsure tax credit
$398/mo remium
Consumer cost is $4 less per month
2019
$1,895/mo premium
$1,046/mo MNsure tax redit
Consumer ost $849/mo
$1,477/mo MNsure tax redit
2018
$2,440/mo premium
Consumer ost $963/mo
Consumer cost is $114 less per month
2019 Plan and Premium Scenarios | MNsure3
These scenarios are real, these people are not.
40-year-old in Albert Lea Silver Plan | $42,000 in ome
62-year-old in Rochester Silver Plan | $44 000 income
Area 1 Premium Scenarios
Area 1 Counties
Dodge, Fillmore, Freeborn, Goodhue, Houston, Mower, Olmsted, Steele, Wabasha, Winona
2018 2019
Consumer cost $345/mo
$137/mo MNsure tax credit
$4 2/mo premium
Consumer cost $366/mo
$261/mo MNsure tax credit
$627/mo premium
Consumer ost is $21 less per month
2018
Consumer cost $395/mo
$723/mo MNsure tax credit
$ , 8/mo premium
2019
Consumer cost $287/mo
$989/mo MNsure tax credit
$ ,276/mo premium
Consumer cost is $108 more per month
2019 Plan and Premium Scenarios | MNsure4
These scenarios are real, these people are not.
Family of 4 in Duluth Silver Plan | $70 000 income
25-year-old in Duluth Bronze Plan | $25,000 in ome
Area 2 Premium Scenarios
Area 2 Counties
Carlton, Cook, Itasca, Koochiching, Lake, Lake of the Woods, St. Louis
2018 2019
$1,444/mo premium
$913/mo MNsure tax credit
Co sumer cost $531/mo
$1,038/mo premium
$588/mo MNsure tax credit
Co sumer cost $450/mo
Consumer cost is $81 less per month
2018 2019
Consumer cost $100/mo
$120/mo MNsure tax credit
$220/mo premium
Consumer cost $4 /mo
$1 7/mo MNsure tax credit
$246/mo premium
Consumer ost is $51 more per month
2019 Plan and Premium Scenarios | MNsure5
These scenarios are real, these people are not.
50-year-old in Grand Rapids Silver Plan | $49 000 income
Area 2 Premium Scenarios
Area 2 Counties
Carlton, Cook, Itasca, Koochiching, Lake, Lake of the Woods, St. Louis
60-year-old in Grand Rapids Gold Plan | $45,000 inco e
$735/mo premium $335/mo
MNsure tax credit
Consumer cost $4 /mo
2018 2019
$1, 68/mo premium $546/mo
MNsure tax credit
Consumer cost $522/mo
Consu er cost is $122 less per onth
2018 2019
Consumer cost $634/mo
Consumer cost $514/mo
$634/mo premium
$514/mo premium
*Income is above the limit for tax credits
$0/mo MNsure ta credit*
$0/mo MNsure ta credit*
Consumer cost is $120 less per month
2019 Plan and Premium Scenarios | MNsure6
These scenarios are real, these people are not.
26-year-old in Fairmont Gold Plan | $28,000 income
Family of 4 in Mankato Silver Plan | $70,000 in ome
20192019
$1,476/mo premium
$937/mo MNsure tax cre it
Consumer cost $539/mo
20182018
$1,815/mo premium
$1,193/mo MNsure tax cre it
Consumer cost $622/mo
Area 3 Premium Scenarios
Area 3 Counties
Blue Earth, Faribault, Le Sueur, Martin, Nicollet, Rice, Waseca, Watonwan
Consumer ost is $83 less per month
20 8
$370/mo premium
$145/mo MNsure tax credit
onsumer cost $225/mo
20 9
$451/mo premium
$204/mo MNsure tax credit
onsumer cost $247/mo
Consumer cost is $22 less per month
2019 Plan and Premium Scenarios | MNsure7
These scenarios are real, these people are not.
62-year-old in St. Peter Bronze Plan | $35, income
42-year-old in Fairmont Silver Plan | $40,000 income
Consumer cost $365/mo
$90/mo MNsure tax credit
$ 55/mo premium
20 9
$171/mo MNsure tax credit
$ 91/mo premium
20 8
Consumer cost $320/mo
Area 3 Premium Scenarios
Area 3 Counties
Blue Earth, Faribault, Le Sueur, Martin, Nicollet, Rice, Waseca, Watonwan
Consumer cost is $45 more per month
2 19
$586/mo MNsure tax credit
Consumer cost $215/mo
$8 1/mo premium
2 18
$975/mo premium
$777/mo MNsure tax credit
Consumer cost $198/mo
Consumer cost is $17 more per month
2019 Plan and Premium Scenarios | MNsure8
These scenarios are real, these people are not.
Family of 4 in Pipestone Bronze Plan | $70,000 in ome
Area 4 Premium Scenarios
Area 4 Counties
Brown, Cottonwood, Jackson, Lincoln, Murray, Nobles, Pipestone, Redwood, Rock
25-year-old in Pipestone Silver Plan | $25,000 inco e
2019
$199/mo MNsure tax credit
Consumer cost $74/mo
$27 /mo premium
2018
$268/mo MNsure tax credit
Consumer cost $124/mo
$ 92/mo premium
Consu er cost is $50 less per onth
2019
$927/mo MNsure tax credit
Consumer cost $521/mo
$1 448/mo premium
2018
$1 220/mo MNsure tax credit
Consumer cost $345/mo
$1 565/mo premium
Consumer ost is $176 more per month
2019 Plan and Premium Scenarios | MNsure9
These scenarios are real, these people are not.
61-year-old in Slayton Gold Plan | $40,000 income
Area 4 Premium Scenarios
Area 4 Counties
Brown, Cottonwood, Jackson, Lincoln, Murray, Nobles, Pipestone, Redwood, Rock
45-year-old in Slayton Gold Plan | $49,000 income
2019 019 2018 018
*Income is above the limit for tax credits
$0/mo MNsure tax credit*
$0/mo MNsure tax credit*
Consumer cost $445/mo
Consumer cost $666/mo
Consumer cost is $ 1 less per month
$666/mo remium
$445/mo remium
019
$621/mo MNsure tax credit
Consumer cost $466/mo
$1, 87/mo premium
018
$817/mo MNsure tax credit
Consumer cost $533/mo
$1,35 /mo premium
Consumer cost is $67 less per month
2019 Plan and Premium Scenarios | MNsure10
These scenarios are real, these people are not.
Area 5 Premium Scenarios
Big Stone, Chippewa, Kandiyohi, Lac Qui Parle, Lyon, McLeod, Meeker, Renville, Sibley, Swift, Yellow Medicine
Area 5 Counties
24-year-old in MarshallGold Plan | $26,000 income
2019
$146/moMNsuretax credit
Consumer cost$163/mo
$309/mopremium
2018
$226/moMNsuretax credit
Consumer cost$230/mo
$456/mopremium
Consumer cost is $67 less per month
Family of 4 in WillmarGold Plan | $70,000 incomeFamily of 4 in WillmarGold Plan | $70,000 income
20192019
$760/moMNsuretax credit
$760/moMNsuretax credit
Consumer cost$725/moConsumer cost$725/mo
$1,485/mopremium
$1,485/mopremium
20182018
$1,097/moMNsuretax credit
$1,097/moMNsuretax credit
Consumer cost$748/moConsumer cost$748/mo
$1,845/mopremium
$1,845/mopremium
Consumer cost is $23 less per month
2019 Plan and Premium Scenarios | MNsure11
These scenarios are real, these people are not.
32-year-old in WillmarBronze Plan | $32,000 income32-year-old in Willmar Bronze Plan | $32,000 income
43-year-old in MarshallSilver Plan | $32,000 income43-year-old in Marshall Silver Plan | $32,000 in ome
Area 5 Premium Scenarios
Area 5 Counties
Big Stone, Chippewa, Kandiyohi, Lac Qui Parle, Lyon, McLeod, Meeker, Renville, Sibley, Swift, Yellow Medicine
2019201
$120/moMNsuretax credit
$120/mo MNsure tax credit
Consumer cost$230/moConsumer cost $230/mo
$350/mopremium$350/mo remium
20182018
$216/moMNsuretax credit
$216/mo MNsure tax credit
Consumer cost$162/moConsumer cost $162/mo
$378/mopremium$378/mo remium
Consumer cost is $68 more per month
20192019
$139/moMNsuretax credit
$139/mo MNsure tax credit
Consumer cost$250/moConsumer cost $25 /mo
$389/mopremium$389/mo premium
20182018
$211/moMNsuretax credit
$211/mo MNsure tax credit
Consumer cost$277/moConsumer cost $277/mo
$488/mopremium$488/mo premium
Consumer ost is $27 less per month
2019 Plan and Premium Scenarios | MNsure12
These scenarios are real, these people are not.
20182018
$182/moMNsuretax credit
$182/mo MNsure tax credit
Consumer cost$170/moConsumer cost $170/mo
$352/mopremium$ 52/mo premium
Family of 4 in Moorhead Silver Plan | $70,000 in ome
Area 6 Premium Scenarios
Area 6 Counties
Becker, Clay, Douglas, Grant, Otter Tail, Pope, Stevens, Traverse, Wilkin
30-year-old in Detroit LakesBronze Plan | $30,000 income
30-year-old in Detroit Lakes Bronze Plan $30,000 income
20192019
$104/moMNsuretax credit
$104/mo MNsure tax credit
Consumer cost$185/moConsumer cost $185/mo
$289/mopremium$289/mo premium
Consumer cost is $15 more per month
2019
$649/mo MNsure tax credit
Consumer cost $53 /mo
$1,1 7/mo premium
2018
$933/mo MNsure tax credit
Consumer cost $531/mo
$1,464/mo premium
Consumer ost is $7 more per month
2019 Plan and Premium Scenarios | MNsure13
These scenarios are real, these people are not.
43-year-old in MoorheadSilver Plan | $32,000 income43-year-old in Moorhead Silver Plan | $32,000 inco e
20182018
$230/moMNsuretax credit
$230/mo MNsure tax credit
Consumer cost$228/moConsumer cost $228/mo
$458/mopremium$4 8/mo premium
2018
$630/mo MNsure tax credit
Consumer cost $445/mo
$ ,075/mo premium
Area 6 Premium Scenarios
Area 6 Counties
Becker, Clay, Douglas, Grant, Otter Tail, Pope, Stevens, Traverse, Wilkin
20192019
$138/moMNsuretax credit
$138/mo MNsure tax credit
Consumer cost$234/moConsumer cost $234/mo
$372/mopremium$372/mo premium
Consu er cost is $6 ore per onth
61-year-old in Detroit Lakes Gold Plan | 40,000 income
2019
$44 /mo MNsure tax credit
Consumer cost $439/mo
$880/mo premium
Consumer cost is 6 less per month
2019 Plan and Premium Scenarios | MNsure14
These scenarios are real, these people are not.
Family of 4 in Bemidji Silver Plan | $71, income
25-year-old in Brainerd Bronze Plan | $25,000 income
Area 7 Premium Scenarios
Area 7 Counties
Aitkin, Beltrami, Cass, Chisago, Crow Wing, Hubbard, Isanti, Kanabec, Mille Lacs, Morrison, Pine, Roseau, Todd, Wadena
2 19
$651/mo MNsure tax credit
Consumer cost $657/mo
$1, 08/mo premium
2 18
$861/mo MNsure tax credit
Consumer cost $546/mo
$1,407/mo premium
Consumer cost is $111 more per month
2019
$138/mo MNsure tax credit
Consumer cost $82/mo
201
$188/mo MNsure tax credit
Consumer cost $58/mo
$2 6/mo premium
Consumer cost is $24 more per month
$220/mo premium
2019 Plan and Premium Scenarios | MNsure15
These scenarios are real, these people are not.
42-year-old in Brainerd Silver Plan | $32,000 income
60-year-old in Bemidji Gold Plan | $40,000 income
Area 7 Premium Scenarios
Area 7 Counties
Aitkin, Beltrami, Cass, Chisago, Crow Wing, Hubbard, Isanti, Kanabec, Mille Lacs, Morrison, Pine, Roseau, Todd, Wadena
20 9
$202/mo MNsure tax credit
Consumer cost $228/mo
$430/mo remium
20 8
$400/mo remium
$134/mo MNsure tax credit
Consumer cost $266/mo
Consumer cost is $38 more per month
20 9
$863/mo premium
$425/mo MNsure tax credit
onsumer cost $438/mo
20 8
$1,047/mo premium
$562/mo MNsure tax credit
onsumer cost $485/mo
Consumer cost is $47 less per month
2019 Plan and Premium Scenarios | MNsure16
These scenarios are real, these people are not.
Family of 4 in Minneapolis Silver Plan | $70,000 in ome
Area 8 Premium Scenarios
Area 8 Counties
Anoka, Benton, Carver, Dakota, Hennepin, Ramsey, Scott, Sherburne, Stearns, Washington, Wright
27-year-old in Minneapolis Silver Plan | $25,000 in ome
2018
$105/mo MNsure tax credit
Consumer cost $127/mo
$2 2/mo premium
2019
$1 1/mo MNsure tax credit
Consumer cost $128/mo
$259/mo premium
Consumer ost is $1 less per month
2019 2018
$479/mo MNsure tax credit
Consumer cost $761/mo
$1 240/mo premium
$579/mo MNsure tax credit
Consumer cost $759/mo
$1 338/mo premium
Consumer ost is $2 more per month
2019 Plan and Premium Scenarios | MNsure17
These scenarios are real, these people are not.
Area 8 Premium Scenarios
Anoka, Benton, Carver, Dakota, Hennepin, Ramsey, Scott, Sherburne, Stearns, Washington, Wright
Area 8 Counties
61-year-old in St. CloudGold Plan | $40,000 income
2018
$415/moMNsuretax credit
Consumer cost$494/mo
$909/mopremium
2019
$340/moMNsuretax credit
Consumer cost$459/mo
$799/mopremium
Consumer cost is $35 less per month
30-year-old in St. CloudBronze Plan | $30,000 income
2019
$95/moMNsuretax credit
Consumer cost$148/mo
$243/mopremium
2018
$225/mopremium
$63/moMNsuretax credit
Consumer cost$162/mo
Consumer cost is $14 more per month
2019 Plan and Premium Scenarios | MNsure18
These scenarios are real, these people are not.
Family of 4 in East Grand Forks Silver Plan | $ 3,000 income
25-year-old in Thief River Falls Bronze Plan | 25,000 income
Area 9 Premium Scenarios
Area 9 Counties
Clearwater, Kittson, Mahnomen, Marshall, Norman, Pennington, Polk, Red Lake
2019
$609/mo MNsure tax credit
Consumer cost $510/mo
$1 119/mo premium
2018
$828/mo MNsure tax credit
Consumer cost $576/mo
$1 404/mo premium
Consumer cost is $66 less per month
2019
$135/mo MNsure tax credit
Consumer cost $106/mo
$ 41/mo premium
2018
$188/mo MNsure tax credit
Consumer cost $111/mo
$ 99/mo premium
Consumer cost is 5 less per month
2019 Plan and Premium Scenarios | MNsure19
These scenarios are real, these people are not.
60-year-old in East Grand Forks Gold Plan | $40,000 in ome
42-year-old in Thief River Falls Silver Plan | $ 2,000 income
Area 9 Premium Scenarios
Area 9 Counties
Clearwater, Kittson, Mahnomen, Marshall, Norman, Pennington, Polk, Red Lake
2019
$418/mo MNsure tax credit
Consumer cost $383/mo
$801/mo remium
2018
$995/mo remium
$560/mo MNsure tax credit
Consumer cost $435/mo
Consumer ost is $52 less per month
2019
$131/mo MNsure tax credit
Consumer cost $249/mo
$3 0/mo premium
2018
$201/mo MNsure tax credit
Consumer cost $276/mo
$477/mo premium
Consumer cost is $27 less per month