Posted at: 10/03/2013 5:37 PM
By: Jenna Lohse
(ABC 6 NEWS) -- A part of the shutdown deals with Obamacare and many Minnesotans are relying on MNsure to find an insurance plan that will work for their family.
Officials say MNsure will give you the cheapest rates in the country, but a local man is warning people that not everyone will find a good deal.
Justin Hawley and his wife have been through a rollercoaster of sorts with their healthcare insurance recently.
"My family’s insurance has been through my wife and a couple of month ago we got a letter in the mail saying that they were basically going to drop everybody that didn't get a certain amount of hours a week,” said Justin Hawley of Rochester.
The couple went from paying about $170 a month for medical and vision insurance, to having no insurance at all.
"Without insurance I was very interested to see what we would need to do, so I hopped on MNsure,” said Hawley.
With hopes that the website would give him some options to work with, Justin typed in information pertaining to him and his wife and clicked submit.
"zero plan zero plan zero plan, oh look $6,000 deductible one plan,” said Hawley.
Only one insurance plan shows up for his family, and that plan is less than desirable.
"551.81 a month,” said Hawley, "we're not rich, my wife worked at a grocery store. I don't know a lot of other people out there that can afford $400 taken out of their paycheck every month,” he said.
As we've reported, MNsure rates factor in where you live and southeast Minnesota is nearly twice that of those who live in the Twin Cities.
"It's almost to the point of why even carry insurance unless you get something really tragic that happens, so right now there's no real good solution that I’ve seen,” said Hawley.
We do want to note that for many families there is a tax credit available. It is dependent on your income level. It's money that can either lower your monthly payment, as it's sent directly to your insurance company, or you can choose to get it back all at once when you do your taxes.
For details on costs and possible tax credits, visit MNsure.org