Serving Those Who Served

Health Insurance forMinnesota Veterans

Free, AI-powered guidance to compare ALL your Minnesota health insurance options. Not just MNsure. Not just TRICARE. Everything.

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Compare Your Options in Minutes with Navitize

Upload your TRICARE documents or just describe your situation. Navitize AI instantly compares ALL Minnesota health insurance options.

Option 1: Upload Documents

Upload your TRICARE Summary of Benefits (SBC), Benefits Booklet, or Coverage Document. Our AI reads it and compares to Minnesota plans.

Option 2: Just Ask

Tell our AI about your situation in plain English:

"I'm retiring from the National Guard, family of 4, my wife has diabetes and takes 5 medications. We make about $85,000/year. What are my best options in Minnesota?"

Get Personalized Results

See ALL your options compared: MNsure plans with subsidy estimates, MinnesotaCare eligibility, employer plan considerations, VA healthcare, and more.

AI Insurance Assistant

Ask anything about health insurance. Get instant, personalized answers based on your military status, income, family, and health needs.

Try asking:

  • "Compare TRICARE Young Adult to MNsure for a single 24-year-old"
  • "What's the best coverage for my diabetes medications?"
  • "Do I qualify for MinnesotaCare with $45,000 income?"
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No account required • No sales pitch • Just answers

Find Your Situation

Different military transitions require different health insurance strategies. Select your situation for specific guidance.

Leaving Active Duty

Separating or retiring from active duty service

180 days transitional coverage
Plan 60+ days before separation
MNsure marketplaceEmployer insuranceVA healthcareMinnesotaCare
Learn More

TRICARE Young Adult

Aging out of TRICARE at 21-26

Coverage ends at age 26
Compare costs - TYA is $363-794/mo
MNsure (often cheaper with subsidies)Employer insuranceParent's employer plan
Learn More

Guard & Reserve

Drilling status or transitioning components

Varies by activation status
Compare TRS ($253/mo family) to alternatives
TRICARE Reserve SelectEmployer insuranceMNsure marketplace
Learn More

Turning 65

Medicare eligibility and TRICARE For Life

3 months before 65th birthday
Enroll in Medicare Parts A & B
Medicare + TRICARE For LifeMedicare AdvantageMedigap
Learn More

Minnesota Health Insurance Options

Veterans in Minnesota have multiple coverage paths. Here's an overview of each.

MNsure Marketplace

ACA plans with potential premium subsidies based on income

Best for:

Veterans with moderate income who don't have employer coverage

$0-500+/month depending on subsidies

MinnesotaCare

State program for lower-income Minnesotans

Best for:

Veterans with income under 200% FPL (~$62,400 for family of 4)

Very low premiums, minimal cost-sharing

Employer Insurance

Coverage through your or spouse's employer

Best for:

Veterans with access to employer-sponsored plans

Varies by employer

VA Healthcare

Direct care through VA facilities for eligible veterans

Best for:

Veterans with service-connected conditions or lower income

Free to low-cost based on priority group

Medicare (65+)

Federal program for those 65+ or with disabilities

Best for:

Veterans turning 65 (pairs with TRICARE For Life)

Part B: ~$185/month (2026)

Compare All Options for Your Situation

Why Veterans Trust Navitize

We're not brokers. We don't sell insurance. We provide neutral, AI-powered guidance.

Free to Try

Unlike "claim sharks" or predatory services, Navitize offers a 14-day free trial with no credit card required. Explore all your options before committing.

Neutral Guidance

We don't push any specific plan or insurance company. We show you ALL options and let you decide what's best.

AI-Powered

Get instant answers to complex insurance questions. Our AI understands TRICARE, MNsure, MinnesotaCare, Medicare, and more.

Minnesota Veteran Resources

Connect with official state resources and veteran service organizations.

MN Dept. of Veterans Affairs

State agency serving 294,000+ Minnesota veterans with benefits assistance, Veterans Homes, and programs.

Visit MDVA

County Veterans Service Officers

FREE benefits assistance in all 87 Minnesota counties. CVSOs help with VA claims, education benefits, and more.

Find Your CVSO

MN National Guard

13,000+ soldiers and airmen in 61 communities. Resources for Guard members and families.

Visit MN Guard

LinkVet Hotline

Call 1-888-LinkVet (546-5838) for immediate connection to veteran resources and assistance statewide.

1-888-LinkVet

Frequently Asked Questions

Common questions about health insurance for Minnesota veterans.

What health insurance options do veterans have in Minnesota?

Minnesota veterans have multiple options: MNsure marketplace plans (with potential subsidies), MinnesotaCare (income-based), employer-sponsored coverage, VA healthcare (for eligible veterans), Medicare (65+), and TRICARE for those who maintain eligibility. The best option depends on your income, family size, and healthcare needs.

How do I compare TRICARE to Minnesota health plans?

Navitize offers a free AI-powered comparison tool. You can upload your TRICARE Summary of Benefits or simply describe your situation (family size, income, medications, health conditions) and instantly see how all Minnesota options compare in terms of premiums, deductibles, and coverage.

Is TRICARE Young Adult worth the cost?

TRICARE Young Adult costs $363-$794 per month with no income-based subsidies. Many young adults may find MNsure marketplace plans cheaper, especially if they qualify for premium subsidies. Use Navitize to compare your specific situation - you might save hundreds per month.

What happens to my TRICARE when I leave the military?

When you separate from active duty, you typically have 180 days of transitional TRICARE coverage. After that, you need civilian coverage. Options include: employer insurance, MNsure marketplace, MinnesotaCare, COBRA continuation, or VA healthcare if eligible. Planning ahead is crucial.

Can National Guard members keep TRICARE?

National Guard and Reserve members may qualify for TRICARE Reserve Select (TRS), which costs around $51/month for member-only or $253/month for family coverage (2026 rates). However, employer plans or MNsure with subsidies may be more cost-effective depending on your income.

How does TRICARE For Life work with Medicare?

At age 65, TRICARE-eligible retirees can get TRICARE For Life, which acts as secondary coverage to Medicare. You must enroll in Medicare Parts A and B. TRICARE For Life then covers most remaining costs, making it excellent coverage for military retirees.

What is a County Veterans Service Officer (CVSO)?

Every Minnesota county has a CVSO - a trained veteran advocate who provides FREE assistance with VA benefits, claims, and services. They can help with disability claims, education benefits, and connecting you with resources. Find your local CVSO at macvso.org.

Does Navitize charge veterans for health insurance help?

Navitize offers a 14-day free trial with no credit card required. Unlike "claim sharks" or predatory services that charge fees, Navitize provides neutral, AI-powered guidance to help you compare ALL your options without pushing any specific plan.

Can I use VA healthcare and other insurance together?

Yes, many veterans use VA healthcare alongside other insurance. VA care is available for eligible veterans regardless of other coverage. Some veterans use VA for certain services and private insurance for others, depending on convenience and coverage needs.

How do I know if I qualify for MinnesotaCare?

MinnesotaCare is available to Minnesotans with income up to 200% of the federal poverty level who don't qualify for Medical Assistance. For a family of 4 in 2026, that's roughly $62,400/year. Veterans transitioning to civilian life often qualify during periods of lower income.

Ready to Compare Your Options?

Upload your TRICARE documents or describe your situation. Get personalized guidance on ALL Minnesota health insurance options in minutes.

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Disclaimer: Navitize is not affiliated with, endorsed by, or connected to TRICARE, the Defense Health Agency, the Department of Defense, MDVA, or any branch of the U.S. military. This guide is compiled from publicly available information for educational purposes only and does not constitute official TRICARE or government guidance. For official information, visit tricare.mil or mn.gov/mdva. Coverage, costs, and eligibility rules may change. Always verify current information with official sources before making healthcare decisions.