How Much Is Health Insurance in Minnesota?

On this page

• What a Minnesota Marketplace plan costs before subsidies
• What you’d pay after a tax credit
• Costs beyond the premium
• Minnesota Marketplace facts
• When to enroll
• Other options in Minnesota
• Frequently asked questions

What a Minnesota Marketplace plan costs before subsidies

The 2026 benchmark silver plan for a 40-year-old in Minnesota averaged $448 a month, according to KFF, one of the lowest in the country and well under the U.S. average of $625. Minnesota rates its Marketplace plans on the state’s own age curve instead of the federal default used in most states, so premiums still rise with age and fall for younger enrollees and children, just on a different schedule than the federal one. Your own price depends on your age, county and insurer, so compare current plans for your ZIP code below.

What you’d pay after a tax credit

If your household income is between 100% and 400% of the federal poverty level, a premium tax credit caps what you pay for the benchmark plan at a share of your income. A single 40-year-old in Minnesota earning $40,000 would pay about $287 a month for the benchmark plan in 2026, with a tax credit of about $161. For 2027, the same person’s share would be about $289 a month. Above 400% of the poverty level ($62,600 for one person for 2026 coverage, $63,840 for 2027), you’d pay full price.

Minnesota expanded Medicaid in 2014, so adults with incomes up to 138% of the poverty level generally qualify for Medical Assistance, the state’s Medicaid program. Above that, MinnesotaCare, Minnesota’s Basic Health Program, covers residents up to 200% of the poverty level, which is why fewer MNsure shoppers need a marketplace tax credit than in most other states. See health insurance for low-income families.

Costs beyond the premium

What you pay when you get care depends on your plan’s deductible, copays and coinsurance, up to the out-of-pocket maximum of $10,600 for one person in 2026 ($12,000 in 2027). If your income is under 250% of the poverty level, a silver plan’s cost-sharing reductions lower those costs.

Minnesota Marketplace facts

• Marketplace: MNsure, the state-run exchange.
• Enrollment: 139,251 plan selections for 2026, down from a record 151,512 in 2025. Only 49.5% got a premium tax credit, compared with about 87% nationally.
• Insurers: UCare is leaving after Medica’s acquisition of its individual-market book, so only Medica-branded plans take its place; Aspirus Health Plan is joining, keeping the market at six carriers: Blue Plus, HealthPartners Inc., HealthPartners Insurance Company, Medica, Aspirus and Quartz.
• 2027 prices: Proposed rate changes average just under 12%, from 10% (Blue Plus and Quartz) to 13% (Medica), well below 2026’s roughly 22% approved increase. Minnesota’s Department of Commerce hadn’t posted final 2027 rates as of late September 2026.
• State help: MinnesotaCare covers residents from just above 138% up to 200% of the poverty level, with sliding-scale premiums that reached as high as $80 a month in 2026 after enhanced federal subsidies expired. A separate state reinsurance program is approved only through 2027, so its renewal is worth watching.
• Medicaid: Medical Assistance covers non-elderly adults up to 138% of the poverty level. Starting in 2027, expansion adults face federal work requirements, with eligibility checks moving from once a year to twice a year. See Medicaid work requirements.

When to enroll

Open enrollment for 2027 coverage runs from November 1, 2026 to January 15, 2027, according to MNsure. Sign up by December 15, 2026 for coverage that starts January 1; selections made between December 16 and January 15 start February 1, 2027. For ways to keep your bill down, see how to lower your Marketplace premium.

Other options in Minnesota

• Job-based coverage, usually the cheapest route if it’s offered.
• Medical Assistance for adults up to 138% of the poverty level, MinnesotaCare up to 200%, and Medicaid or CHIP for children; see health insurance for children.
• Medicare at 65.

Health insurance costs in nearby states: Wisconsin, Iowa, South Dakota and North Dakota. You can also compare health insurance costs in every state.

See 2027 plans and prices in your Minnesota county: compare quotes by ZIP code.

Frequently asked questions

What’s the average cost of health insurance in Minnesota?

Before subsidies, the 2026 benchmark silver plan for a 40-year-old averaged $448 a month, one of the lowest in the country. Minnesota uses its own age curve, so your actual price depends on your age, county and plan.

Why do so few MNsure enrollees get a premium tax credit?

Only about half of 2026 MNsure enrollees got one, far below the national rate of about 87%, because MinnesotaCare already covers residents up to 200% of the poverty level before they’d need a marketplace subsidy.

Can undocumented immigrants get MinnesotaCare?

Adults 18 and older lost MinnesotaCare eligibility starting January 1, 2026, under a state law change. Children under 18 remain eligible regardless of immigration status.

When’s the deadline for January 1, 2027 coverage in Minnesota?

December 15, 2026. MNsure’s full open enrollment window runs November 1, 2026 through January 15, 2027.

This article is general information, not insurance or tax advice. Prices are averages and estimates; your actual premium depends on your county, age, income and plan. Last reviewed September 2026.