Association Health Plan

On January 1, 2020, the Minnesota Council of Nonprofits (MCN) launched BenefitsMN, a new health care coverage option for Minnesota nonprofits! Over the past two years, we have worked diligently towards this goal, because we are committed to increasing the vitality of Minnesota’s nonprofit sector.

Throughout the 30-year history of the Minnesota Council of Nonprofits (MCN), our members from across the state have asked us to provide health plan options, to help them improve their ability to recruit and retain the best possible staff. MCN formed BenefitsMN, an Association Health Plan (AHP), in 2018, to develop and oversee this exploration. By increasing negotiating leverage due to economies of scale, and reducing the administrative burden that comes with offering benefits plans, we believe BenefitsMN helps nonprofit employers better achieve their missions.

In a nutshell, the plans we present offer:

  • Coverage for MCN members based anywhere in Minnesota
  • Coverage for employers with two or more eligible employees
  • Four high-quality plan options in five networks
  • Attractive rates for a majority of our members
  • Access to Benefits Administration and enrollment platforms at no additional cost
  • A full suite of voluntary benefits options

As 2021 approaches, we're elated to report that 82 percent of currently participating organizations will NOT see a cost increase for 2021. In addition, BenefitsMN has negotiated:

  • MyHealthRewards Invest to be included for 2021
  • Medica’s Clear Value Network to be added for 2021
  • the addition of a $500-$25-25% for 2021
  • another 9 percent Rate Cap Per Tier for 1/1/2022

Note: Any nonprofit - MCN member or not - may request information from Gallagher about the plans. To receive a rate quote and to participate in BenefitsMN, however, an organization must be an active nonprofit member of MCN for a minimum of 30 days.


Watch a Recording of "Explore BenefitsMN for 2021" Webinar

On September 2, 2020, the Minnesota Council of Nonprofits and Gallagher hosted a free webinar highlighting the association health plan available to MCN member nonprofits, including the health plans, networks, pricing, and related benefits that can help your organization attract, retain, and support your staff. View the webinar recording below or download presentation slides here.

View Webinar Recording

Missed the webinar on how to use Medica My Health Rewards? View the recording

Curious about the timeline for participation in BenefitsMN?

Whether your organization might offer employee medical benefits for the first time, or you are wondering about shifting existing employee plans to BenefitsMN, there are a number of key steps to consider as you move through the process. BenefitsMN and Gallagher have developed a general timeline that helps detail each of these steps, so that you have an overview of the entire process. This takes you from your initial consultation through to the first day of your organization's coverage.


Review Optimal Timeline


Frequently Asked Questions

FAQ Association Health Plan

  • How do I learn more about plan options?

  • When do these plans go into effect?

  • How soon will I be able to know what the costs and rates will be?

  • My organization is small. Can we participate?

  • My organization is based in Greater Minnesota. Will coverage be available there?

  • How much will the plans cost?

  • Can I keep my existing doctor/provider?

  • Is there dental coverage?

  • Are domestic partners covered?

  • Does my nonprofit need to be an MCN member to participate?

  • Why is it necessary to be an MCN member for 30 days before receiving a quote for health insurance rates?

  • I currently work with another broker. Do I have to work with Gallagher?

  • I have other questions. Can you help?