A special enrollment allows you to enroll in PreferredOne individual plan outside scheduled open enrollment periods, as well as during open enrollment, offering more effective date options for those with a qualifying event. See the chart below.

  • Special enrollment qualifying events include loss of Minimum Essential Coverage (MEC)**, marriage, birth, adoption, permanent move into the PreferredOne service area or newly ineligible for premium tax credits and/or cost sharing reductions.
  • You must apply within 60 days of the qualifying event.
  • Effective dates vary depending on the type of qualifying event.
  • Proof of qualifying event must be provided with your application.
  • Applications need to be approved by PreferredOne before coverage is effective.
  • If you are eligible for financial assistance (tax credits and/or cost sharing) contact MNsure.
Qualifying Events

How to Apply for Special Enrollment

  • If you are not currently a PreferredOne member you must complete an Individual Insurance Enrollment and Special Enrollment Application form. All Special Enrollment Qualifying Event documentation must be submitted with your enrollment application along with the first month's premium payment.
    • Mail to:
    • PreferredOne Insurance Company
    • 6105 Golden Hills Drive
    • Golden Valley, MN 55416
  • If you are not currently a PreferredOne member click here to apply.
  • If you are currently a PreferredOne Individual and Family member and want to add a family member to your existing plan, please register/login to MY ACCOUNT. Click on Add a Dependent.

This page summarizes individual and family special enrollment rules that apply to individuals and families.

Additional Products and Services

PreferredOne Simplicity®

The health plan that writes you a check.

Self Insurance

Take control of your health benefits.

Pharmacy Management

Get serious in managing your pharmacy cost.


Turn the coverage on when you need it.

Worksite Wellness

Engage your employees to better health.

Choice Pays

A cash back rewards program