Taking regrets, fears out of health coverage enrollment for Minnesotans

Health coverage affordability is top-of-mind for many Minnesotans and officials with the state's insurance marketplace said it is reasonable to be worried about what lies ahead but trusted navigators can still potentially find savings and help avoid pitfalls.

The enrollment start date for people who get their coverage through MNsure, Minnesota's insurance exchange through the Affordable Care Act, is Nov. 1. Enhanced federal subsidies to keep costs lower expire at year's end, as debate plays out in Congress.

Mary Robinson, communications manager for MNsure, said whether it is the larger tax credits or changes to insurance plans, people should look into their options as soon as possible.

"Even if you've been in the same plan for years, don't just hit 'repeat,'" Robinson urged. "There may be a better fit for your needs and your budget."

If the tax credits expire, some 19,000 MNsure enrollees will lose all financial help but nearly 70,000 still may qualify for subsidies, albeit at a reduced level. Robinson stressed it is important to not immediately think the worst, and connect with a local, trusted broker or navigator by searching MNsure’s directory.

She pointed out the free guidance will steer you in the right direction and avoid scammers or online influencers promoting "too-good-to-be-true" plans and premiums.

In a national survey, 43% of people said they regret a health decision they’ve made because of inaccurate details.

Dr. Rhonda Randall, chief medical officer and executive vice president of UnitedHealthcare Employer and Individual, said more voices are giving dubious health advice and information through platforms like social media.

"You want to make sure that you're checking the source, that you're getting your information from a credentialed medical professional or a reputable organization," Randall urged. "Look to see if they've included links to research, and the evidence of the information that they're giving you is accessible to you."

It is also the time of year when employers have sign-up periods for their sponsored coverage and Medicare open enrollment is underway, too. Randall emphasized no matter the situation, start early to give yourself enough time to make an informed decision. As for MNsure plans, officials said even though enrollment does not start until Nov. 1, you can visit their website now and at least get a cost estimate.