Speak to an advisor


Minnesota Health Insurance for Individuals and Families

With more than 5.5 million residents, the state of Minnesota is the 22nd largest in the United States, and its uninsured rates are among the nation’s lowest1,2 In 2015, the state tied for the ninth-lowest uninsured rate with an estimated 6 percent of its population without coverage.3 The state’s ACA exchange, MNsure, reported that 96 percent of Minnesotans had health coverage as of August 1, 2017.4

Minnesotans can choose from a range of insurance products offered by several companies. Coverage may include ACA-compliant options (e.g., individual major medical, Medicare, Medicaid) as well as supplemental, dental and temporary plans that help lower out-of-pocket healthcare spending for MN residents and their families.

Uninsured or underinsured in MN?

Find health insurance now

2018 Obamacare open enrollment period:

November 1, 2017–January 14, 2018

MNsure has extended a special enrollment period to all Minnesotans:

Dec. 16, 2017—Jan. 14, 20185

Year-round healthcare coverage options

Whether you have an Obamacare plan or not, you can find additional health benefits to help with dental and medical expenses—expected and unexpected, large and small—throughout the year. There’s no open enrollment period for these products, which means you can apply any time and not just during ACA open or special enrollment periods.

Short term medical

Short Term Medical

Temporarily uninsured? Secure healthcare benefits for 30–90 days.

Hospital Plan

Hospital Plan

Have a long-term plan for the unexpected. Hospital, surgical and critical illness benefits.

Medical Bundle

Medical Bundle

This blend covers more healthcare costs. Fixed-benefit indemnity + short term medical.

Supplemental Insurance


Get help with high-deductibles. Lump-sum benefits for illnesses and injuries.



Flash a gleaming smile with oral health benefits for your budget.



Access low-cost healthcare, anywhere—24 hours a day, 365 days a year

Help is on the way!

Search for an agent

MN Obamacare individual marketplace

Subsidy-eligible plans for premium and out-of-pocket relief

Minnesotans can purchase individual and family health insurance plans through MNsure, which is the state’s ACA exchange, and also in the private health insurance market from a health insurance producer or company.

ACA exchange name: MNsure

Type: State-based

Average 2017 benchmark planpremium(before tax credit subsidy): $3666

Average 2017 benchmark plan premium (after tax credit subsidy): $159

Average 2017 rate change: 50 to 67 percent7

Unofficial average 2018 rate change: As of July 31, 2017, Minnesota insurers had filed premium requests that ranged from an average15 percent decrease to an average 11 percent increase8

On-and off-marketplace individual health insurance plans

Five carriers filed rates for individual plans in2018. They include the following9:

  • Blue Plus (a Blue Cross and Blue Shield of Minnesota entity)
  • Group Health (a HealthPartners Inc. entity)
  • UCare
  • Medica Insurance Co.
  • PreferredOne Insurance Co.

Health insurance options beyond ACA exchanges

Minnesota residents who do not qualify for Obamacare subsidies or prefer to shop away from the ACA exchanges may do so. The off-exchange marketmayincludeadditional major medical plan options.

How to find the best affordable health insurance

Paying for healthcare deductibles and medical bills

Ultimately, the best insurance benefits are those that work with yourhealthcareand budgetary needs. Minnesotans can follow these steps to help keep their monthly plan premiums, annual deductible amount and medical bills as low and manageable as possible.

Determine what you need

Determine what you need

Do you need major medical coverage, supplemental benefits or both? Are you looking for a temporary plan while in between ACA-compliant coverage?

Consider your health and finances

Consider your health and finances

Do you have preexisting conditions? Do you qualify for income-based premium tax credits from an ACA exchange?

Explore your coverage options

Explore your coverage options

Do you want to keep monthly premiums as low as possible and use additional benefits to manage a high deductible?Are you self-employed? What can you afford to spend?

Get free health insurance quotes

Get free health insurance quotes

Once you have an idea of what products interest you and meet your needs, it’s time to find out what coverage will cost you. Compare plan premiums and benefits to find your match.

Call the number at the top of your screen to speak with a advisor;

1United States Census Bureau. “Annual Estimates of the Resident Population for the United States, Regions, States and Puerto Rico: April 1, 2010 to July 1, 2016.” https://www.census.gov/data/tables/2016/demo/popest/state-total.html

2The Henry J. Kaiser Family Foundation. “Health Insurance Coverage of the Total Population. Timeframe: 2015.” http://www.kff.org/state-category/health-coverage-uninsured/


4MNsure. “MNsure to Give Minnesotans More Time to Shop for Health Care Coverage.” Aug. 1, 2017. https://www.mnsure.org/news-room/news/index.jsp?id=305049

5MNsure. “MNsure to Give Minnesotans More Time to Shop for Health Care Coverage.” Aug. 1, 2017. https://www.mnsure.org/news-room/news/index.jsp?id=305049

6Cox, Cynthia, et al. “2017 Premium Changes and Insurer Participation in the Affordable Care Act’s Health Insurance Marketplaces. Table 1: Monthly Silver Premiums and Financial Assistance for a 40 Year Old Non-Smoker Making $30,000/Year.” The Henry J. Kaiser Family Foundation. Last updated Nov. 1, 2016. http://www.kff.org/health-reform/issue-brief/2017-premium-changes-and-insurer-participation-in-the-affordable-care-acts-health-insurance-marketplaces/

7Minnesota Department of Commerce. “Minnesota Department of Commerce Announces Individual Health Insurance Rates for 2017.” Sept. 16, 2017. http://www.kff.org/health-reform/issue-brief/2017-premium-changes-and-insurer-participation-in-the-affordable-care-acts-health-insurance-marketplaces/

8Kessler, Pat. “MN Health Insurance Rates to Stay Close to Same in 2018.” CBS Minnesota. July 31, 2017.http://minnesota.cbslocal.com/2017/07/31/health-insurance-rates-2018/

9Minnesota Department of Commerce. “Minnesota Department of Commerce Announces Individual Health Insurance Rates for 2017.” Sept. 16, 2017.