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MNSure : A Minnesota Model

MNSure : A Minnesota Model. Lucinda Jesson, Commissioner Minnesota Department of Human Services. January 1, 2014. Minnesota’s Answer – MNsure Marketplace. Subject of ongoing dialogue in Minnesota since 2006. Provision within the federal Affordable Care Act (ACA) enacted in March 2010.

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MNSure : A Minnesota Model

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  1. MNSure: A Minnesota Model Lucinda Jesson, Commissioner Minnesota Department of Human Services

  2. January 1, 2014

  3. Minnesota’s Answer – MNsure Marketplace Subject of ongoing dialogue in Minnesota since 2006 Provision within the federal Affordable Care Act (ACA) enacted in March 2010 State-based Exchange signed into law by Governor Dayton in March 2013

  4. MNsure Board of Directors • Thompson Aderinkomi, Founder and CEO, RetraceHealthRepresenting the interests of individual consumers eligible for individual market coverage. Term ends 2015. • Peter Benner, Independent Consultant Representing the areas of health administration, health care finance, health plan purchasing, and health care delivery systems. Term ends 2017. • Brian Beutner, Independent Business Advisor  Representing small employers. Term ends 2015. • Kathryn Duevel, MDRepresenting the areas of public health, health disparities, public health care programs, and the uninsured. Term ends 2016.

  5. MNsure Board of Directors • Tom Forsythe, Vice President Global Communications, General Mills Representing the area of health policy issues related to the small group and individual markets. Term ends 2016. • Lucinda Jesson, Commissioner of the Minnesota Department of Human Services (DHS) • Phil Norrgard, Director of Human Services, Fond du Lac Band of Lake Superior ChippewaRepresenting individual consumers eligible for public health care program coverage. Term ends 2017.

  6. What is MNsure? A new marketplace where Minnesotans can find, compare, choose, and get quality health care coverage that best fits your needs and your budget.

  7. Why MNsure? Simple One-Stop Shop Easier for individuals to search, select and enroll, easier for small employers to administer, and streamlined access for public /private coverage – “Focus is on the person, not the program” Choice Individuals and employees of small businesses can pick from among multiple quality plans that best fit their needs Affordability and Value Financial assistance and greater market incentives for competition and innovation on cost, quality, satisfaction, etc. Comparable Information Consumers can find easy to use, comparable information on plans and providers

  8. Who will MNsure serve?Over 1 million Minnesotans projected by 2016 Medical Assistance/MNCare – 880,000 Individual Consumers – 300,000 Small Businesses and Employees – 150,000

  9. Minnesota’sAnswer – Expand Medicaid • Early Expansion for childless adults to 75% FPG • 84,000 Minnesotans including those previously enrolled in GAMC and MinnesotaCare (March 2011). • Continuing to 133% FPG • Additional 57,000 Minnesotans including most of our current MinnesotaCare clients (January 2014). • Combination of early and full expansion will save the state budget over $1 billion for 2011-2015 fiscal period.

  10. Minnesota’s Answer – New MinnesotaCare • New MinnesotaCare is bigger and better • Current enrollment is 153,000. • 110,000 will move to MA in 2014 • 10,000 will move to MNsure in 2014 • Expect 100,000 new enrollees by July 2014 • Expect total enrollment of 193,000 by January 2016 • Accessing BHP funding in 2015 will result in an estimated $650 million in additional federal funding relative to Medicaid funding over the 2014-2016 period.

  11. Minnesota’s Answer – Align Programs • One Application • Serves Medicaid, MinnesotaCare and Subsidized Premiums in MNsure • One Income Counting Method • Medicaid, MinnesotaCare, and Subsidized Premiums in MNsure all use the same income counting method – MAGI. • Eases transitions between programs. • Mutually Exclusive Programs • Bright lines between Medicaid, MinnesotaCare, and MNsure – enables real time eligibility determinations • People with affordable coverage at work are barred from MinnesotaCare MNsure.

  12. Qualified Health Plan Insurers Qualified Health Plan (QHP) Insurers for individuals: • Blue Cross Blue Shield • HealthPartners • Medica • PreferredOne • UCare

  13. Plan Levels of Coverage

  14. MNsure Individual Rates Lowest in the Country Across All Metal Levels 40-year-old, non-smoker in individual market

  15. Small Employer Health Options Program (SHOP) • In 2014, MNsure is open to small business owners with 50 or fewer employees to purchase through SHOP: • Employer and employee choice options • Employer picks one plan for all employees • Employer can pick multiple plans for employee choice • Defined contribution towards all plans or smaller set of plans • Defined contribution • Employer selects benchmark/reference plan • Employer determines contribution by percentage or equal employee payment • Employer determines employee choice options • Participation (75%) and contribution (50%) requirements for selecting any plan year month • Requirements waived November 15 to December 15

  16. Additional Benefits for Employers

  17. Lucinda JessonCommissionerMinnesota Department of Human Serviceswww.mn.gov/dhs Thank you Lucinda Jesson, CommissionerMinnesota Department of Human Serviceswww.mn.gov/dhs

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