Applying for Medicaid in Minnesota does not have to be complicated. Minnesota calls its Medicaid program Medical Assistance (MA), and it provides free or low-cost health coverage to eligible residents. Whether you are an adult, a parent, pregnant, or applying on behalf of a child, this guide walks you through every step of the application process, from checking your eligibility to submitting your paperwork.
Minnesota is a Medicaid expansion state, which means more residents qualify for coverage compared to states that have not expanded their programs. You can apply any time of year, and there is no open enrollment period for Medicaid. If you qualify, your coverage can begin as early as the month you apply.
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Who Qualifies for Medical Assistance in Minnesota?
Eligibility for Medical Assistance in Minnesota is based on your household size, income, and other factors like age, pregnancy status, and disability. Minnesota has expanded Medicaid under the Affordable Care Act, so most low-income adults under 65 can qualify.
Here are the main groups eligible for Medical Assistance:
- Adults ages 19 to 64 with household income at or below 138% of the Federal Poverty Level (FPL)
- Pregnant women with household income up to 283% FPL (coverage continues for 12 months after delivery)
- Children under age 2 with household income up to 288% FPL
- Children ages 2 to 18 with household income up to 280% FPL
- Seniors age 65 and older and people with disabilities (separate income and asset rules apply)
Adults with income between 138% and 200% FPL who do not qualify for Medical Assistance may be eligible for MinnesotaCare, a separate state program that offers affordable coverage with low or no premiums.
For more details on all Minnesota programs, visit the Minnesota Benefits Overview.
2026 Income Limits for Medical Assistance (Adults Under 65)
The income limits below are based on the 2026 Federal Poverty Level guidelines. These figures represent the maximum annual income to qualify for Medical Assistance at 138% FPL. Note that these limits include a built-in 5% income disregard.
| Household Size | Annual Income Limit (138% FPL) | Monthly Income Limit |
|---|---|---|
| 1 | $22,025 | $1,836 |
| 2 | $29,863 | $2,489 |
| 3 | $37,702 | $3,142 |
| 4 | $45,540 | $3,795 |
| 5 | $53,378 | $4,449 |
| 6 | $61,217 | $5,102 |
For households larger than 6, add approximately $7,838 per additional person.
MinnesotaCare Income Limits (200% FPL)
If your income is above the Medical Assistance limit but below 200% FPL, you may qualify for MinnesotaCare:
| Household Size | Annual Income Limit (200% FPL) |
|---|---|
| 1 | $31,920 |
| 2 | $43,280 |
| 3 | $54,640 |
| 4 | $66,000 |
| 5 | $77,360 |
| 6 | $88,720 |
Children and Pregnant Women
Children and pregnant women have higher income limits:
| Category | Income Limit (% FPL) |
|---|---|
| Pregnant women | 283% FPL |
| Infants (under 2) | 288% FPL |
| Children (ages 2 to 18) | 280% FPL |
Important: There is no asset test for most Medical Assistance applicants under 65 (MAGI populations). Seniors and people with disabilities may face asset limits. Income limits are updated each year when new Federal Poverty Guidelines are published, typically in January.
How to Apply for Medicaid in Minnesota: Step by Step
Step 1: Gather Your Documents
Before starting your application, collect the following information for each household member who needs coverage:
- Social Security numbers (or document numbers for eligible immigrants)
- Proof of income such as pay stubs, tax returns, or a letter from your employer
- Proof of Minnesota residency such as a utility bill, lease, or driver's license
- Date of birth for each person applying
- Immigration status documents (if applicable)
- Information about current health coverage (if any)
- Tax filing status and information about dependents
You do not need to have every document ready before you start. You can begin the application and submit documents later, but having them on hand will speed up the process.
Step 2: Choose Your Application Method
Minnesota offers several ways to apply for Medical Assistance:
Online through MNsure (Recommended) The fastest way to apply is online at MNsure.org. MNsure is Minnesota's health insurance marketplace, and it handles applications for Medical Assistance, MinnesotaCare, and marketplace plans. The system will automatically determine which program you qualify for based on the information you provide.
By Phone Call MNsure at 1-855-366-7873 (TTY: 1-855-366-7877). Representatives can walk you through the application over the phone. Hours are Monday through Friday, 8 a.m. to 4 p.m.
In Person Visit your local County Human Services office or Tribal Health Care office. A caseworker can help you fill out and submit your application. You can find your local office on the Minnesota Department of Human Services website.
By Mail Download a paper application from MNsure.org or request one by phone. Complete it and mail it to the address on the form.
With Help from a Navigator or Certified Application Counselor Free, trained assistors are available across Minnesota to help you apply. You can find a navigator near you through MNsure or by calling their helpline.
Step 3: Complete the Application
Whether you apply online or on paper, the application will ask about:
- Your household members and their relationships
- Your income from all sources (wages, self-employment, Social Security, etc.)
- Your current health insurance status
- Your tax filing status
- Any special circumstances (pregnancy, disability, etc.)
Tip: Be as accurate as possible with your income information. The system uses Modified Adjusted Gross Income (MAGI) to determine eligibility for most applicants under 65.
Step 4: Submit Your Application
Once you have completed all sections, review your application carefully and submit it. If you applied online through MNsure, you will receive a confirmation number. Save this for your records.
Step 5: Respond to Any Requests for Additional Information
After you submit your application, you may receive a request for additional documentation. Respond promptly to avoid delays. Common requests include:
- Verification of income
- Proof of residency
- Citizenship or immigration status verification
Step 6: Receive Your Eligibility Determination
Minnesota aims to process Medicaid applications within 45 days (or 90 days for disability-based applications). You will receive a notice by mail with your eligibility determination. If approved, your coverage can be effective as early as the first day of the month you applied.
Once approved, you will receive information about choosing a health plan. Minnesota Medical Assistance is delivered through managed care organizations in most counties, so you will typically need to select a health plan.
What Medical Assistance Covers in Minnesota
Minnesota Medical Assistance provides comprehensive coverage, including:
- Doctor visits and specialist care
- Hospital stays (inpatient and outpatient)
- Prescription medications
- Mental health and substance use treatment
- Dental care
- Vision care and eyeglasses
- Lab tests and X-rays
- Preventive care and screenings
- Maternity and newborn care
- Transportation to medical appointments
- Home health services
- Durable medical equipment
Most Medical Assistance enrollees pay little to no out-of-pocket costs for covered services.
Tips for a Successful Application
- Apply as soon as possible. You can apply any time of year, and coverage can start the month you apply if you are found eligible.
- Report all household income accurately. Underreporting or overreporting income can delay your application or result in incorrect eligibility determinations.
- Keep copies of everything. Save copies of your application, any documents you submit, and all correspondence you receive.
- Respond to requests quickly. If the county or MNsure asks for more information, provide it as soon as you can to avoid delays or denial.
- Ask for help if you need it. Navigators, certified application counselors, and county workers are available at no cost to help you through the process.
- Check for other programs. When you apply through MNsure, the system automatically checks your eligibility for Medical Assistance, MinnesotaCare, and premium tax credits for marketplace plans.
Special Situations
Seniors (Age 65 and Older)
Seniors apply for Medical Assistance through their county human services office rather than through MNsure. The eligibility rules are different and may include asset limits. In 2026, the income limit for a single senior is approximately $1,305 per month, with an asset limit of $3,000. Contact your county office or visit the Minnesota Department of Human Services website for details.
People with Disabilities
If you have a disability, you may qualify for Medical Assistance regardless of age. The application process is similar, but eligibility is determined based on disability status in addition to income and assets. Processing may take up to 90 days.
Pregnant Women
Pregnant women can qualify with higher income limits (up to 283% FPL) and should apply as early in pregnancy as possible. Coverage includes all prenatal care, labor and delivery, and postpartum care for 12 months after delivery.
Recently Lost Employer Coverage
If you recently lost your job or your employer-sponsored health insurance, you may qualify for a Special Enrollment Period on MNsure. When you apply, the system will check if you qualify for Medical Assistance first.
What to Do If Your Application Is Denied
If your application for Medical Assistance is denied, you have the right to appeal. Here is what to do:
- Review the denial notice carefully. It will explain the reason for the denial and your appeal rights.
- Request a fair hearing. You typically have 30 days from the date of the denial notice to request an appeal.
- Gather supporting documents. Collect any additional evidence that supports your eligibility.
- Consider free legal help. Organizations like Legal Aid and Mid-Minnesota Legal Aid offer free assistance with Medicaid appeals.
- Check for other programs. Even if you do not qualify for Medical Assistance, you may be eligible for MinnesotaCare or subsidized marketplace coverage through MNsure.
Frequently Asked Questions
Can I apply for Medicaid in Minnesota at any time?
Yes. Unlike marketplace health plans, Medical Assistance (Medicaid) has no open enrollment period. You can apply any time of year.
How long does it take to get approved?
Most applications are processed within 45 days. Disability-based applications may take up to 90 days. Applying online through MNsure is generally the fastest method.
Is there an asset limit for Medical Assistance?
For most adults under 65, there is no asset test. Your eligibility is based on income alone. Seniors (65 and older) and people with disabilities may face asset limits of $3,000 for a single person or $6,000 for a married couple.
What is the difference between Medical Assistance and MinnesotaCare?
Medical Assistance is Minnesota's Medicaid program for people with the lowest incomes (up to 138% FPL for adults). MinnesotaCare covers people with slightly higher incomes (138% to 200% FPL) and may charge small premiums on a sliding scale. Both are applied for through MNsure.
Can immigrants apply for Medical Assistance?
Some lawfully present immigrants may qualify for Medical Assistance. Eligibility depends on immigration status and how long you have been in the United States. Undocumented immigrants are generally not eligible but may qualify for Emergency Medical Assistance. Contact a navigator or your county office for specific guidance.
Will applying for Medicaid affect my immigration status?
Applying for and receiving Medicaid generally does not affect immigration applications or green card processes for most people. However, immigration rules can be complex. Consult an immigration attorney if you have concerns.
What if my income changes after I am approved?
You must report changes in income, household size, or other circumstances to MNsure or your county office within 10 days. Your eligibility may be adjusted, and you could be moved to a different program (like MinnesotaCare or a marketplace plan) if your income changes.
Can I apply for my children even if I do not qualify myself?
Yes. Children have higher income limits than adults. Even if you earn too much to qualify for Medical Assistance yourself, your children may still be eligible.
Applying for Medicaid in Minnesota is a straightforward process, especially when you use the MNsure online portal. Gather your documents, submit your application, and respond to any follow-up requests promptly. If you need help at any step, free assistance is available through navigators, county offices, and the MNsure helpline.
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