Health Advantage

Healthcare professional providing care under Health Advantage plan

Health Coverage

Healthcare That Works for Your Life

Health Advantage delivers a balanced mix of affordable premiums, manageable deductibles, and broad provider access. With strong preventive care benefits, prescription coverage, and telehealth options, Minnesota Own Your Future helps individuals and families stay healthy while managing out-of-pocket costs effectively.

$199 / mo

Preventive care at 100% coverage
Nationwide PPO provider network
Prescription drug coverage included
24/7 telehealth consultations
Individual and family plan options

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Plan Features

Comprehensive Health Benefits

From annual checkups to specialist referrals, Health Advantage covers the care you need at every stage of life.

Preventive Care

Annual physicals, immunizations, screenings, and wellness visits covered at no additional cost.

Prescription Coverage

Formulary-based drug benefits with mail-order savings on maintenance medications.

Telehealth Access

Connect with board-certified physicians via video or phone for non-emergency medical concerns.

Hospital & Emergency

Inpatient, outpatient, and emergency room coverage with clear copay and coinsurance structures.

Dental & Vision Options

Add dental cleanings, orthodontics, eye exams, and eyewear benefits to your health plan.

Mental Health Support

Counseling, therapy, and behavioral health services with parity coverage standards.

Key Benefits

Why Members Choose Health Advantage

Wellness First

Preventive services at no cost encourage early detection and healthier outcomes long-term.

Wide Network

Access thousands of physicians, specialists, and hospitals across the United States.

Predictable Costs

Transparent copays and out-of-pocket maximums help you budget for healthcare expenses.

Family Friendly

Cover your spouse and dependents under one plan with pediatric and maternity benefits.

Coverage Highlights

What's Included in Your Plan

Health Advantage plans comply with ACA essential health benefits where applicable. Your advisor compares metal tiers, network types, and subsidy eligibility to find the optimal balance of premium and coverage for your household.

Essential health benefits per ACA standards
No lifetime or annual dollar limits
Maternity and newborn care included
Pediatric dental and vision for dependents
HSA-compatible high-deductible options

100%

Preventive Coverage

24/7

Telehealth Access

$8K

Max Out-of-Pocket

4.8

Client Rating (142+)

Common Questions

Health Advantage FAQ

Health plan questions? Email hello@minnesotaownyourfuture.com.

HMO plans require a primary care physician and referrals for specialists but typically offer lower premiums. PPO plans provide more flexibility to see out-of-network providers at a higher cost. Health Advantage offers PPO options with broad network access.

Our PPO network includes thousands of providers nationwide. Before enrolling, we verify whether your preferred physicians and hospitals are in-network to minimize unexpected out-of-pocket costs.

Under ACA-compliant plans, pre-existing conditions cannot be excluded or charged higher premiums. Health Advantage plans cover pre-existing conditions from the effective date, subject to standard plan terms and open enrollment periods.

Open enrollment typically runs November 1 through January 15. Qualifying life events — such as marriage, birth, job loss, or relocation — trigger special enrollment periods. Contact us to check your eligibility and enrollment window.

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Healthcare That Works for Your Life