WHC MNsure Navigators



is an InsureDuluth Coalition Member

InsureDuluth is made possible through Generations Health Care Initiatives and a grant from MNsure.

InsureDuluth Coalition members are:

  • Arrowhead Economic Opportunity Agency (AEOA)
  • Arrowhead Parish Nurse Association
  • Chum *
  • Community Action Duluth *
  • Duluth Public Library *
  • Duluth Salvation Army *
  • Essentia Health
  • Generations Health Care Initiatives
  • Health Care Access Office *
  • Lake Superior Community Health Center *
  • Minnesota Citizens Federation *
  • St. Louis County Health and Human Services
  • St. Luke’s
  • Women’s Health Center of Duluth *
  • United Way of Greater Duluth – 2-1-1 Service
  • University of Minnesota Duluth Health Care Management


Women’s Health Center of Duluth is helping spread the word about MNsure, as well as assisting people in our community to enroll in MNsure.  See how you can benefit by visiting MNsure.org or by contacting Women’s Health Center at 218-727-3352.

Important Information and Helpful Hints from MNsure

Open Enrollment: Open enrollment for individuals and families for 2019 starts November 1, 2018 through January 13, 2019.   Special Enrollment is available to those individuals with a qualifying life events.  Also, please note: Native American’s, Medical Assistance or MinnesotaCare eligible individuals may enroll year round.

What is MNsure?

The Affordable Care Act (ACA), which became law in March 2010, requires the establishment of health insurance marketplaces.  States have the option of defaulting to the federally-run marketplace or establishing their own state-based marketplaces.  Minnesota has further advanced its health care system by building a Minnesota-Made health insurance marketplace, called MNsure, tailoring it to the needs of our state’s families, employers, and health care system.

MNsure Means Health Insurance for More Minnesotans

MNsure is a new, one-stop health insurance marketplace where Minnesotan individuals, families and small employers can get quality coverage from a variety of health insurance companies that best fits their need and budget.  MNsure is an easy-to-use website where you can search and compare plans, a hotline you can call to talk with someone about your options, and places where you can sign up in your community – like Women’s Health Center.

Welcome to MNsure

For more about MNsure, visit their website at www.mnsure.org,

 or call the Contact Center at 1-855-3-MNSURE (855-366-7873)

More Information About MNsure

  • MNsure is the only place where individuals and families can qualify for a no-cost or low- cost plan and access financial help to reduce the cost of insurance.
  • The open enrollment period for Individuals and Families is November 1, 2015 through January 31, 2016. 
  • Starting January 1, 2014, nearly all Americans must have health insurance.
  • Pre-existing conditions and exclusions no longer exist.  Someone cannot be turned away or charged more if they have an ongoing medical condition.
  • Consumers can choose between private health insurance plans or see if they qualify for Medical Assistance or MinnesotaCare.  MNsure is not an insurance company or health plan.
  • MNsure is for small businesses with 50 or fewer full-time employee equivalents.
  • MNsure is the only place Minnesotans can collect federal tax credits to reduce the cost of health insurance.
  • MNsure will serve 1 out of every 5 Minnesotans – about 20% of the state.  That’s more than 1.2 million Minnesotans.
  • All plans offer preventive services at no cost to you, such as blood pressure and diabetes screenings; cancer screenings such as mammograms and colonoscopies; vaccinations, flue shots and more.
  • Every plan provides coverage for doctor visits, hospital stays, maternity and newborn care, emergency room care, prescription drugs, and mental and behavioral health services.  Dental plans are also available.

Application: Fill out one application for your household. Include all members of your household in the application even if only some of them are applying for coverage. You need to include all members of your household to get the correct discount. Household: In general, your household includes people who are related to you and either live with you or you claim them as a dependent on your federal income taxes. Income: In general, you should enter any type of income that you report on your state and federal income taxes. The value of assets is not counted as income and is not included in determining eligibility for discounts.

Making Application Changes: You may make changes to your application by reporting a change. If you save and exit before completing the application, you may return to your account and make changes to your application. Medical Assistance and MinnesotaCare: If you completed the application and were told you qualify for Medical Assistance or MinnesotaCare you do not need to do anything else. You will receive further information in the mail that will either confirm your coverage or describe if there are any additional things that you need to do.

Selecting a Plan: All family members enrolling in private coverage must enroll in the same plan. The primary applicant should be the person you want to receive communications from MNsure and your health insurance company. You may not have more than one primary applicant.

Making Plan Changes: You may not change your health insurance plan during open enrollment.

If You Selected a Plan: After you pay your premium in full or request a carrier to bill you, MNsure will send your enrollment information to your selected health insurance company.

Where can you go to get help with MNsure enrollment?

Women’s Health Center is a part of the InsureDuluth Coalition, ready to assist with outreach and enrollment efforts. To request more information or to set up an appointment with a Women’s Health Center MNsure Enrollment Navigator, please call 218-727-3352 and we can assist you with your enrollment.

What information do you need to bring when you apply?

♦  Social Security Numbers (or document numbers for any legal immigrants) for your and everyone in your family who needs coverage.

♦  Employer and income information for everyone in your family (such as pay-stubs, W-2 forms or wage and tax statements).

♦  Information about any job-related health insurance you have access to, whether or not you take it, available to you and your family.  (You can get this information from your employer.) Please see Appendix A and fill out before your appointment.

If you need help in a language other than English, let us know so we can set this up with a MNsure Contact Center representative for the language you need.  Help will be provided to you at no cost.

There are also other local enrollment navigators stationed throughout the Duluth area, please contact United Way 2-1-1, by dialing 211.  Cell phone callers please dial 800-543-7709 for hours and locations.