---
id: "epm:3.2.3.1"
source: "Minnesota Health Care Programs Eligibility Policy Manual"
source_short: "EPM"
publisher: "Minnesota Department of Human Services"
section: "3.2.3.1"
title: "Health Care Coverage Barriers"
breadcrumb: "3 MinnesotaCare > 3.2 Non-Financial Eligibility > 3.2.3 Insurance Barriers > 3.2.3.1 Health Care Coverage Barriers"
effective_date: 2018-09-01
last_modified: 2026-10-03T03:57:10.353422+00:00
version: 2
url: "https://bot-corpus.mn-dhs.online/s/epm/3.2.3.1"
official_origin: "https://hcopub.dhs.state.mn.us/epm/3_2_3_1.htm"
legal_citations:
  - "Code of Federal Regulations, title 26, section 1.5000A-2"
  - "Code of Federal Regulations, title 42, section 600.305"
---
# EPM 3.2.3.1 Health Care Coverage Barriers

This section provides policy on whether government-sponsored health care coverage and other types of health care coverage are barriers to MinnesotaCare eligibility. For information about employer-sponsored health care coverage, refer to MinnesotaCare Employer-Sponsored Health Care Coverage.

## Government-Sponsored Health Care Coverage

This chart provides a list of government-sponsored health care coverage and their impact on MinnesotaCare eligibility.

Access means the person can get the coverage but is not currently enrolled.

Enrollment means the person has the coverage.

| Type of Coverage | Impact on MinnesotaCare Eligibility |
| --- | --- |
| Emergency Medical Assistance (EMA) | Not a barrier to MinnesotaCare |
| Health Care for Peace Corp Volunteers | Enrollment is a barrier to MinnesotaCare |
| Health insurance plans offered by AmeriCorps to its volunteers and their dependents, if recognized by CMS as MEC | Enrollment is a barrier to MinnesotaCare |
| Health insurance plans offered by AmeriCorps to its volunteers and their dependents, not recognized by CMS as MEC | Not a barrier to MinnesotaCare |
| Indian Health Services | Not a barrier to MinnesotaCare |
| Medicaid in another state | Enrollment is a barrier to MinnesotaCare |
| Medical Assistance, without a spenddown | Access or enrollment is always a barrier to MinnesotaCare |
| Medical Assistance, with a spenddown | Not a barrier to MinnesotaCare |
| Medicare Part A, if the person is **not** required to pay a premium | Access or enrollment is always a barrier to MinnesotaCare |
| Medicare Part A, if the person is required to pay a premium | Enrollment is a barrier to MinnesotaCare |
| Medicare Part B | Enrollment is a barrier to MinnesotaCare |
| Medicare Supplement, unless the person also has access to Medicare Part A or is enrolled in Medicare Part A or Part B | Not a barrier to MinnesotaCare |
| Non-Appropriated Fund Health Benefits Program (NAF) of the Department of Defense | Enrollment is a barrier to MinnesotaCare |
| TRICARE Continued Health Care Beneift Program | Enrollment is a barrier to MinnesotaCare |
| TRICARE for Life | Access or enrollment is always a barrier to MinnesotaCare |
| TRICARE Prime | Access or enrollment is always a barrier to MinnesotaCare |
| TRICARE Prime Overseas | Access or enrollment is always a barrier to MinnesotaCare |
| TRICARE Prime Remote | Access or enrollment is always a barrier to MinnesotaCare |
| TRICARE Reserve Select | Enrollment is a barrier to MinnesotaCare |
| TRICARE Retired Reserve | Enrollment is a barrier to MinnesotaCare |
| TRICARE Standard and Extra | Access or enrollment is always a barrier to MinnesotaCare |
| TRICARE Standard Overseas | Access or enrollment is always a barrier to MinnesotaCare |
| TRICARE Transitional Assistance Management Program | Access or enrollment is always a barrier to MinnesotaCare |
| TRICARE US Family Health Plan | Access or enrollment is always a barrier to MinnesotaCare |
| TRICARE Young Adult (Prime and Standard) | Enrollment is a barrier to MinnesotaCare |
| Veterans Administration (VA) Civilians Health and Medical Program (CHAMPVA) | Enrollment is a barrier to MinnesotaCare |
| VA Spina bifida health care benefits program | Enrollment is a barrier to MinnesotaCare |
| VA Veterans health care plan | Enrollment is a barrier to MinnesotaCare |

## Other Health Care Coverage

The following chart provides a list of other health care coverage and their impact MinnesotaCare eligibility.

| Type of Coverage | Impact on MinnesotaCare Eligibility |
| --- | --- |
| Accident insurance | Not a barrier to MinnesotaCare |
| Automobile medical payment insurance | Not a barrier to MinnesotaCare |
| Benefits for long-term care, nursing home care, home health or community care | Not a barrier to MinnesotaCare |
| Cancer only | Not a barrier to MinnesotaCare |
| Coverage for on-site medical clinics | Not a barrier to MinnesotaCare |
| Coverage just for specific diseases or illnesses | Not a barrier to MinnesotaCare |
| Coverage only for accident or disability | Not a barrier to MinnesotaCare |
| Credit-only insurance | Not a barrier to MinnesotaCare |
| Employer Sponsored COBRA | Enrollment is a barrier to MinnesotaCare. Refer to Section 3.2.3.2, MinnesotaCare Employer-Sponsored Coverage, for more information. |
| Employer sponsored health insurance (ESI) that does not meet both affordability and minimum value standards. | Enrollment is a barrier to MinnesotaCare. Refer to [Section 3.2.3.2, MinnesotaCare Employer-Sponsored Coverage](https://bot-corpus.mn-dhs.online/s/epm/3.2.3.2), for more information. |
| Employer sponsored health insurance (ESI) that meets both affordability and minimum value standards. | Access or enrollment is always a barrier to MinnesotaCare. Refer to [Section 3.2.3.2, MinnesotaCare Employer-Sponsored Coverage](https://bot-corpus.mn-dhs.online/s/epm/3.2.3.2), for more information. |
| Employer Sponsored Retiree Health Coverage | Enrollment is a barrier to MinnesotaCare. Refer to [Section 3.2.3.2, MinnesotaCare Employer-Sponsored Coverage](https://bot-corpus.mn-dhs.online/s/epm/3.2.3.2), for more information. |
| Family planning-only coverage | Not a barrier to MinnesotaCare |
| Grandfathered employer sponsored health plan that does not meet both affordability and minimum value standards. | Enrollment is a barrier to MinnesotaCare |
| Grandfathered employer sponsored health plan that meets both affordability and minimum value standards. | Access or enrollment is always a barrier to MinnesotaCare |
| Health care coverage offered by foreign governments and organizations, if recognized by CMS as minimum essential coverage (MEC) | Enrollment is a barrier to MinnesotaCare |
| Health care coverage offered by foreign governments and organizations, not recognized by CMS as MEC | Not a barrier to MinnesotaCare |
| Hospital indemnity or fixed indemnity insurance | Not a barrier to MinnesotaCare |
| Hospital only | Not a barrier to MinnesotaCare |
| Liability insurance | Not a barrier to MinnesotaCare |
| Limited scope dental or vision benefits | Not a barrier to MinnesotaCare |
| Long term care insurance | Not a barrier to MinnesotaCare |
| Other similar coverage that is secondary or incidental to other insurance benefits | Not a barrier to MinnesotaCare |
| Pregnancy-only coverage | Not a barrier to MinnesotaCare |
| Prescription drug only | Not a barrier to MinnesotaCare |
| Private health insurance | Enrollment is a barrier to MinnesotaCare |
| Qualified Health Plan – without subsidy | Enrollment is a barrier to MinnesotaCare |
| Self-funded student health insurance plans offered by post-secondary institutions to students and their dependents, if recognized by CMS as MEC | Enrollment is a barrier to MinnesotaCare |
| Self-funded student health insurance plans offered by post-secondary institutions to students and their dependents, **not** recognized by CMS as MEC | Not a barrier to MinnesotaCare |
| Supplemental coverage with no comprehensive coverage | Not a barrier to MinnesotaCare |
| Supplemental liability insurance coverage | Not a barrier to MinnesotaCare |
| Tuberculosis-only coverage | Not a barrier to MinnesotaCare |
| Vision only | Not a barrier to MinnesotaCare |
| Worker’s Compensation | Not a barrier to MinnesotaCare |

## Legal Citations

- Code of Federal Regulations, title 26, section 1.5000A-2
- Code of Federal Regulations, title 42, section 600.305