For Minnesota CVSOs

CVSO ToolkitFree Health Insurance Resources for Veterans Service Officers

Downloadable guides, quick reference sheets, and intake checklists to help you guide veterans through their health insurance options.

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VA Disability ≠ Income

VA disability pay is NOT counted for MNsure/MinnesotaCare eligibility

60-Day SEP Window

Losing TRICARE = 60 days to enroll in MNsure (no Open Enrollment needed)

90-Day TRS Deadline

Guard/Reserve have 90 days after separation to enroll in TRS

MinnesotaCare First

Check MinnesotaCare eligibility before MNsure for lower-income veterans

Downloadable Resources

Print-ready PDFs designed for CVSO appointments. Free to download and share with veterans.

TRICARE Transition Quick Reference

One-page guide covering timeline, coverage options, key deadlines, and decision flowchart for separating service members.

Separation timelineTAMP coverage90-day ruleDecision guide

Download PDF

MNsure Subsidy Quick Reference

2026 Federal Poverty Level chart, income limits for MinnesotaCare and MNsure, and what counts (and doesn't count) as income.

2026 FPL chartVA disability exclusionMinnesotaCare vs MNsureCost estimates

Download PDF

Veteran Health Insurance Checklist

Printable intake form to gather veteran information, assess eligibility, and determine recommended coverage paths.

Intake formService statusIncome assessmentAction items

Download PDF

All resources formatted for standard letter-size (8.5" x 11") printing

Need Personalized Guidance?

Our AI comparison tool can help veterans explore their options in real-time. Share navitize.com with veterans for 24/7 health insurance guidance.

Veterans can ask questions like:

"I'm separating from the Army in March, income will be about $45,000. What are my health insurance options in Minnesota?"

Try the AI Tool

Quick Reference: Coverage Options

At-a-glance comparison for common veteran scenarios

Veteran Situation	Best Options to Explore	Key Action
Income under $30K (single)	MinnesotaCare, VA Healthcare	Check MinnesotaCare FIRST
Income $30K-$58K, no employer	MNsure with subsidies	Get subsidy estimate at mnsure.org
Guard/Reserve, drilling	TRS ($57.88/mo) vs MNsure	Compare costs based on income
50%+ VA disability rating	VA Healthcare (can combine)	Enroll at va.gov/health-care
Has employer coverage option	Employer vs MNsure comparison	Compare total costs (premium + deductible)
Income above $58K, no employer	MNsure unsubsidized or TRS	TRS often better value if eligible

Frequently Asked Questions

What resources are available in the CVSO Toolkit?

The toolkit includes three free downloadable PDFs: a TRICARE Transition Quick Reference guide, an MNsure Subsidy Quick Reference sheet with 2026 income limits, and a Veteran Health Insurance Decision Checklist for intake appointments.

Can I print and distribute these resources to veterans?

Yes! These resources are designed to be printed and shared with veterans during appointments. They are formatted for standard letter-size paper and include all essential information on one or two pages.

Is VA disability income counted for MNsure eligibility?

No, VA disability compensation is tax-free and is NOT counted as income for MNsure or MinnesotaCare eligibility. This is one of the most important points to remember - a veteran receiving VA disability may qualify for significant subsidies based on their other income alone.

What is the 90-day rule for TRICARE Reserve Select?

Guard and Reserve members have exactly 90 days from separating from active duty (or when TAMP coverage ends) to enroll in TRICARE Reserve Select. Missing this deadline means waiting for a Qualifying Life Event. This is critical for drilling Guard/Reserve members.

How do I help a veteran compare TRS to MNsure?

Compare the costs: TRS is $57.88/month for member-only coverage with a $198 deductible. For veterans with income below ~$58,000, MNsure subsidies may make marketplace plans cheaper or comparable. Use our comparison tool at navitize.com for personalized recommendations.

What is the Special Enrollment Period for veterans losing TRICARE?

Losing TRICARE coverage is a Qualifying Life Event (QLE). Veterans have 60 days from their TRICARE end date to enroll in MNsure - they do not need to wait for Open Enrollment.

How does Navitize support CVSOs?

Navitize provides free educational resources and an AI-powered comparison tool that helps veterans understand their health insurance options. We complement CVSO services by providing 24/7 digital guidance - we never replace the essential human expertise CVSOs provide.

Are these resources affiliated with MDVA or MACVSO?

No, Navitize is an independent company. These resources are created to support CVSOs but are not officially affiliated with MDVA, MACVSO, or any government agency. Always verify information with official sources.

Questions or Feedback?

We'd love to hear from CVSOs about how we can better support your work helping Minnesota veterans.

Request additional resources or topics

Report errors or outdated information

Explore partnership opportunities

Share success stories

Direct Contact: Email us at partners@navitize.com

Official Resources

MACVSO

Minnesota Association of County Veterans Service Officers

MDVA

Minnesota Department of Veterans Affairs

MNsure

Minnesota's Health Insurance Marketplace

LinkVet Hotline

1-888-LinkVet (546-5838)

Disclaimer: Navitize is not affiliated with, endorsed by, or connected to TRICARE, the Defense Health Agency, the Department of Defense, MDVA, MACVSO, or any branch of the U.S. military. These resources are compiled from publicly available information for educational purposes only and do not constitute official guidance. For official information, visit tricare.mil, mn.gov/mdva, or mnsure.org. Coverage, costs, and eligibility rules may change. Always verify current information with official sources.