Account Requests

Use the information on this page to assist consumers through the account request process.

Online Account Request

Create an online account

Identity Proofing and Questions

Individual users must complete identity proofing in order to create an online account. The remote identity proofing (RIDP) service is integrated with the Federal Data Services Hub (FDSH) and a third-party vendor that uses sensitive information to identify a person by electronic means. The consumer should have the following information ready so they can accurately answer the identity questions:

• Addresses including counties of current and past places where the consumer has lived
• Auto ownership: details of the vehicle (example: license plate number)
• Employers: names of current and past employers
• Loans (including auto, student, mortgages and home equity): name of the lender, amount of the loan and the term of the loan
• Credit cards: name of the lenders and year and month the accounts were opened

Online Account Request Failure 

If the system is unable to verify the consumer’s identity through remote identity proofing (RIDP), the consumer will receive an error message. Error messages can be triggered for the multiple reasons:

• The service(s) that verifies the data is unavailable or down. The consumer should try again later.
• Data entered matches data for an existing MNsure account. The consumer should retrieve account information via the self-service webpage or call the MNsure Contact Center.
• The data hub is unable to verify the consumer’s identity with the data entered. Depending on the error message, the consumer should try creating an account using different information. Certain groups of individuals are more likely to experience challenges in completing RIDP:
  • People with limited credit histories
  • Victims of identity theft
  • People with inaccuracies in the data used for RIDP
  • Children under 18
  • Certain immigrant parents seeking to apply on behalf of their citizen children

Account Request Form (PDF)

Consumers who cannot verify their identity through RIPD to create an online account will need to complete an Account Request Form (PDF). Consumers will need to provide documentation which will be used to verify their identity and create a username and password. Options for acceptable identity documents can be found in the Identity Proofing and Verifications section. The PDF form is available in Hmong, Russian, Somali, Spanish and Vietnamese. 

For additional information and instructions on how to assist consumers, refer to the Manual Account Request Policy and the Over-the-Phone Account-Creation Policy.

Manual Account Request Delays

The following are common issues that may delay a request:

• Legibility of copies of handwritten forms
• Unsigned forms
• Expired identity verification documents
• Both pages of the Account Request Form must be submitted or upload, even if the form is just being submitted for the sake of a signature.
• Holograms on IDs (especially passports) can often obscure information when scanned or photographed.
• The person named on the manual account request form is not the same person as the person in the documents (for example, the parent’s name is on the manual account request form, but the documents are for the child).
• If a non-U.S. citizen parent is trying to open an account in their own name it will be denied. They have to open it in their child’s name, if the child was born here, and include proper IDs for the child.
• If an adult child is listed as the person requesting a MNsure account, the parent of the adult child cannot sign the form on their behalf.