Paul Zane Pilzer

  

  




State-by-State Guide to       

Individual/Family Health Insurance

 
Minnesota Department of Commerce
(303) 894-7499
www.state.mn.us/
Guaranteed Issue   
Community Rated   

MN



 

Average Cost for an Individual Policy Sold in 2004: $143/month*
(single, average age 33, healthy)
*From 82,000 policies sold nationally online in 2004, see first page of Appendix A.

Typical Healthy Individual/Family Coverage
 

Traditional Co-Pay
Policy*

HSA/High-Deductible
Policy*
  Single Family Single Family
Monthly Premium $142 $501 $100 $294
Annual Deductible $1,000 $3,000 $2,600 $5,150
Annual Out-of-Pocket Max $1,800 $5,400 $5,000 $10,000
Doctor Visit Co-Pay 20% after ded 20% after ded -- --
Prescription Co-Pay 20% after ded 20% after ded -- --
Lifetime Maximum $3 million $3 million $3 million $3 million
*Blue Cross Blue Shield of MN Aware Care Plan; single applicant (M/35); family applicant (M/35), spouse (F/35), children (F/8, M/5) from St. Paul, MN 55101; quoted 5.2.05.
Blue Cross Blue Shield of MN Options Blue; single applicant (M/35); family applicant (M/35), spouse (F/35), children (F/8, M/5) from St. Paul, MN 55101; quoted 5.2.05.

State-Guaranteed Coverage for
People with Preexisting Conditions

Minnesota Comprehensive Health Association (MCHA)*
Monthly Premium Annual Deductible Annual OOP Max Doctor Visit Co-Pay Prescription Co-Pay Lifetime Maximum
$197 $1,000 $3,000 20% after ded 20% $2.8 million

*MCHA $1,000 Deductible Plan; single applicant (M/35); quoted 5.9.05 from www.mchamn.com.

Eligibility: (1) Minnesota resident for six months and (2) rejected for individual health coverage within past six months, 65 and ineligible for Medicare, or with qualifying condition or (3) federally eligible.

HIPAA-eligible individuals: Applicants are guaranteed acceptance into MCHA with no exclusions for preexisting conditions.

Excerpted from The New Health Insurance Solution

 
 
  ADDITIONAL RESOURCES FOR THE NEW HEALTH INSURANCE SOLUTION
   



New Health Insurance Solutions for individuals, families, self-employeds, and businesses.

  



View the basic chapter table, expanded topical table, and pdf table of contents.

  



View the html or download a pdf version of the October 2005 press release.

    



Read excerpts on each topic discussed in The New Health Insurance Solution.



Read full reviews of The New Health Insurance Solution by Newsweek, The Wall Street Journal, Forbes, etc.



Read selected portion of reviews by Newsweek, CNN, The Wall Street Journal, Forbes, etc.
   



Read endorsements of The New Health Insurance Solution.

  



View other books written by New York Times best-selling author Paul Zane Pilzer.

  



View contact information including phone numbers and email addresses for book publicist, author, etc.