Where can you get cheap health insurance in Minnesota

Looking for Minnesota health insurance that won’t cost you an arm and a leg? Here’s how to find cheap health insurance in Minnesota from a reliable carrier.

Minnesota state health insurance

Minnesota has a number of state-sponsored insurance programs for low-income individuals and families. Among which:

* The Minnesota Medical Assistance Program, which provides health care to low-income Minnesota residents. This program is different from Medicare, which is a federally sponsored program for the over-65s and people with disabilities.

* The Minnesota General Assistance Medical Care Program, which provides health care to low-income Minnesota residents who are not eligible for state-sponsored or federally sponsored health care programs.

* The Minnesota Care Plan, which provides health care to low-income, uninsured working Minnesotans.

For more information about these health insurance programs in Minnesota, contact your county human services agency or visit the Minnesota Department of Health website at: health.state.mn.us/healthcare.html.

Private health insurance

There are two types of health insurance available in Minnesota. They are:

* Fee-for-service plans (also known as indemnity plans), which pay for all or most of your doctor’s fees, hospital expenses, and prescription drugs after you pay a deductible (usually $500 to $2,000). These plans let you choose your doctor and hospital and are the most expensive of the healthcare plans.

* Managed care plans, including HMOs, PPOs, and POSs, that pay for your doctor’s fees, hospital bills, and prescription drugs after you pay a co-payment (usually $5 to $10 per doctor visit). These plans place you in a network of doctors and hospitals. PPOs and POSs allow you to use a non-network doctor or hospital for an additional fee. HMOs are the cheapest of all health insurance plans, followed by PPOs and POSs.

Cheap health insurance

To get cheap health insurance, you need to shop for rates. The easiest way to do that is to go to an insurance comparison website online.

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