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Health Insurance

 
With all the choices out there it can  be confusing to choose the health plan that is best for you.
 
We can help you find the plan that will work best for your circumstances.

 

​Companies that Offer Health Insurance Plans:
•  Blue Cross Blue Shield of Minnesota
•  Health Partners
•  Medica
•  Others
Greenhaven Marketing Corporation - Health Insurance for Individuals

Questions about Health Insurance?

Get Expert Assistance
Cathy Stoffel
Cathy@Greenhavenmarketing.com
 

Client Endorsements

"As a family with a new baby, my husband and I knew we needed an affordable, high quality medical insurance plan to take care of our little one, but we didn't know anything about insurance.  Vern took the time to explain to us what each plan really meant for our situation. We didn't really think we would need the full potential of the plan until my husband had emergency open heart surgery at just 36 years old. As his recovery, appointments, and tests continue, I'm so grateful that Vern helped us purchase an excellent family plan that fit into our budget."

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Rebecca & Randy

2016 Healthcare Coverage Anchor

Healthcare Coverage Information

Open Enrollment Period

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The annual period when you can enroll in a private health insurance plan or renew or make changes to a current plan. Open enrollment for 2021 runs November 1 through December 22, 2020.

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Medicaid, CHIP, and SHOP – Apply Any Time

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  • There’s no limited enrollment period for Medicaid or the Children’s Health Insurance Program (CHIP).      You can apply any time.
  • There’s also no limited enrollment period for small businesses to enroll in SHOP coverage for their employees. You can apply any time.
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Special Enrollment Period

Life events that may qualify you for a Special Enrollment Period

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  • Getting married
  • Having a baby
  • Adopting a child or placing a child for adoption or foster care

     

    Losing other health coverage

    Examples of losing coverage that qualify you for a Special Enrollment Period:

    • Losing job-based coverage for any reason:

      • Your employer stops offering coverage
      • You leave your job by choice
      • You get laid off or fired
      • You choose not to re-enroll in a job-based plan when its plan year ends (But see note below.) (Quitting a plan before the year ends doesn’t qualify.)

    • Your job-based plan not meeting the definition of affordable or minimum value, and as a result you become newly eligible for a premium tax credit

    • Losing coverage through a divorce
    • COBRA coverage ending (Note: If you cancel COBRA before it ends you don’t qualify for a Special Enrollment Period.)
    • Turning 26 and losing coverage under a parent’s plan
    • Losing eligibility for Medicaid or the Children’s Health Insurance Program (CHIP)(including your child aging off CHIP)

    Be careful about dropping coverage

    • If you voluntarily drop coverage before the plan year ends: You don’t qualify for a Special Enrollment Period. You also don’t qualify if you lose coverage because you don’t pay your premium.
    • If you don’t renew a job-based plan when its plan year ends: You do qualify for a Special Enrollment Period to buy a Marketplace plan. Very important: If the job-based plan you don’t renew is considered affordable and meets minimum value, you won’t qualify for a premium tax credit that lowers the cost of your plan. Ask your employer to complete the Employer Coverage tool (PDF) to see if your job-based plan meets these requirements.
  • Moving to a new residence
  • Gaining citizenship or lawful presence in the U.S.
  • Leaving incarceration
  • For people already enrolled in Marketplace coverage:
    • Having a change in income or household status that affects eligibility for premium tax credits or cost-sharing reductions
    • Note: Voluntarily quitting a Marketplace plan mid-year doesn’t qualify you for a Special Enrollment Period.

 

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