Health insurance prices in Minnesota (2026)
243 marketplace plans from 5 insurers across 87 counties. Official marketplace: MNsure.
Plan year 2026 prices; 2027 prices will be added as soon as CMS publishes them. Monthly premium for one 40-year-old, before any tax credit (subsidy).
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Individual & family health insurance (marketplace / ACA plans)
Real insurance plans you buy yourself (not through a job), sold by companies like UnitedHealthcare, Blue Cross Blue Shield, Ambetter (Centene), Oscar, Cigna, Molina and Anthem through HealthCare.gov or your state's marketplace.
Looking for Aetna? Aetna CVS Health left the ACA marketplace for 2026 (it sold plans in 17 states in 2025). Source: KFF
All plans here: Bronze $340–$652 (typical $463) · Silver $384–$757 (typical $550) · Gold $440–$876 (typical $630)
Insurers, sorted by typical Silver price
Every marketplace insurer must sell Silver and Gold plans; Bronze is optional, so Silver is the fair comparison. Typical = median monthly premium, age 40.
| Insurer | Counties (of 87) | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| Blue Cross and Blue Shield of MinnesotaBCBS Minnesota (Blue Cross Blue Shield company) | 87 | 95 | $342 | $453 | $512 | $569 | Blue Plus Metro MN HSA Bronze |
| HealthPartners | 53 | 33 | $340 | $459 | $543 | $654 | Select $8,400 HSA Bronze |
| UCare Minnesota | 77 | 14 | $368 | $495 | $546 | $651 | UCare M Health Fairview Bronze HSA |
| Medica | 87 | 84 | $363 | $462 | $558 | $648 | Bold by M Health Fairview and Medica Bronze Share Plus Metro |
| Quartz | 4 | 17 | $522 | $527 | $602 | $702 | QUARTZ SELECT BRONZE (VISION) $10,000 DED FLAT RX COPAYS |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $340 | $463 | $652 | 100 | $7,500 | $10,150 | $15,616 |
| Silver | $384 | $550 | $757 | 83 | $3,500 | $9,200 | $15,994 |
| Gold | $440 | $630 | $876 | 60 | $2,000 | $8,200 | $16,080 |
* Typical = median: half of plans cost less, half cost more. ** Bad year = 12 months of premium + the plan's in-network out-of-pocket maximum (median across plans). Out-of-network care and non-covered services are extra.
Prices by county in Minnesota
| County | Insurers | Plans | Cheapest plan | Typical Bronze | Typical Silver |
|---|---|---|---|---|---|
| Aitkin County | 3 | 29 | $442 | $470 | $530 |
| Anoka County | 4 | 86 | $340 | $390 | $466 |
| Becker County | 4 | 50 | $402 | $454 | $527 |
| Beltrami County | 3 | 29 | $442 | $470 | $530 |
| Benton County | 4 | 49 | $383 | $438 | $487 |
| Big Stone County | 4 | 39 | $430 | $499 | $584 |
| Blue Earth County | 3 | 37 | $513 | $553 | $666 |
| Brown County | 4 | 54 | $408 | $532 | $615 |
| Carlton County | 4 | 50 | $451 | $506 | $598 |
| Carver County | 4 | 81 | $342 | $402 | $476 |
| Cass County | 3 | 40 | $417 | $463 | $529 |
| Chippewa County | 4 | 47 | $407 | $488 | $555 |
| Chisago County | 4 | 59 | $375 | $461 | $526 |
| Clay County | 4 | 50 | $402 | $454 | $527 |
| Clearwater County | 3 | 29 | $436 | $461 | $546 |
| Cook County | 3 | 29 | $472 | $508 | $600 |
| Cottonwood County | 4 | 47 | $407 | $511 | $600 |
| Crow Wing County | 4 | 50 | $417 | $465 | $532 |
| Dakota County | 4 | 74 | $340 | $399 | $468 |
| Dodge County | 2 | 28 | $555 | $603 | $737 |
| Douglas County | 4 | 39 | $433 | $458 | $539 |
| Faribault County | 3 | 38 | $471 | $551 | $660 |
| Fillmore County | 3 | 45 | $522 | $596 | $709 |
| Freeborn County | 3 | 38 | $508 | $598 | $714 |
| Goodhue County | 3 | 37 | $555 | $605 | $727 |
| Grant County | 4 | 39 | $433 | $458 | $539 |
| Hennepin County | 4 | 98 | $340 | $396 | $472 |
| Houston County | 4 | 54 | $522 | $602 | $711 |
| Hubbard County | 3 | 40 | $417 | $463 | $529 |
| Isanti County | 4 | 59 | $375 | $461 | $526 |
| Itasca County | 3 | 40 | $451 | $500 | $575 |
| Jackson County | 4 | 47 | $407 | $511 | $600 |
| Kanabec County | 3 | 33 | $381 | $468 | $529 |
| Kandiyohi County | 4 | 39 | $430 | $499 | $584 |
| Kittson County | 3 | 40 | $419 | $456 | $535 |
| Koochiching County | 3 | 29 | $472 | $508 | $600 |
| Lac qui Parle County | 4 | 39 | $430 | $499 | $584 |
| Lake County | 3 | 29 | $472 | $508 | $600 |
| Lake of the Woods County | 3 | 29 | $472 | $508 | $600 |
| Le Sueur County | 3 | 49 | $466 | $549 | $647 |
| Lincoln County | 4 | 47 | $407 | $511 | $600 |
| Lyon County | 4 | 47 | $407 | $488 | $555 |
| Mahnomen County | 3 | 40 | $404 | $456 | $522 |
| Marshall County | 3 | 40 | $419 | $456 | $535 |
| Martin County | 4 | 47 | $471 | $551 | $649 |
| McLeod County | 4 | 54 | $415 | $476 | $570 |
| Meeker County | 4 | 39 | $430 | $499 | $584 |
| Mille Lacs County | 3 | 29 | $442 | $470 | $530 |
| Morrison County | 4 | 39 | $442 | $471 | $555 |
| Mower County | 2 | 28 | $555 | $603 | $737 |
| Murray County | 3 | 38 | $407 | $494 | $585 |
| Nicollet County | 3 | 41 | $453 | $552 | $660 |
| Nobles County | 4 | 47 | $407 | $511 | $600 |
| Norman County | 4 | 50 | $404 | $451 | $522 |
| Olmsted County | 2 | 28 | $555 | $603 | $737 |
| Otter Tail County | 4 | 39 | $433 | $458 | $539 |
| Pennington County | 3 | 40 | $419 | $456 | $535 |
| Pine County | 3 | 40 | $417 | $463 | $529 |
| Pipestone County | 4 | 47 | $407 | $511 | $600 |
| Polk County | 4 | 50 | $419 | $451 | $528 |
| Pope County | 4 | 39 | $433 | $458 | $539 |
| Ramsey County | 4 | 86 | $340 | $390 | $466 |
| Red Lake County | 3 | 40 | $419 | $456 | $535 |
| Redwood County | 4 | 39 | $429 | $522 | $606 |
| Renville County | 4 | 39 | $430 | $499 | $584 |
| Rice County | 3 | 37 | $513 | $553 | $666 |
| Rock County | 4 | 47 | $407 | $511 | $600 |
| Roseau County | 3 | 40 | $433 | $463 | $539 |
| Scott County | 4 | 74 | $340 | $406 | $480 |
| Sherburne County | 4 | 81 | $342 | $394 | $472 |
| Sibley County | 4 | 54 | $415 | $476 | $570 |
| St. Louis County | 4 | 50 | $451 | $506 | $598 |
| Stearns County | 4 | 49 | $383 | $438 | $487 |
| Steele County | 2 | 28 | $555 | $603 | $737 |
| Stevens County | 4 | 39 | $433 | $458 | $539 |
| Swift County | 4 | 39 | $430 | $499 | $584 |
| Todd County | 4 | 39 | $442 | $471 | $555 |
| Traverse County | 4 | 39 | $433 | $458 | $539 |
| Wabasha County | 4 | 54 | $522 | $602 | $711 |
| Wadena County | 3 | 29 | $442 | $470 | $530 |
| Waseca County | 2 | 28 | $540 | $553 | $672 |
| Washington County | 4 | 74 | $340 | $399 | $468 |
| Watonwan County | 3 | 38 | $471 | $551 | $660 |
| Wilkin County | 4 | 50 | $402 | $454 | $527 |
| Winona County | 4 | 54 | $522 | $602 | $711 |
| Wright County | 4 | 76 | $342 | $405 | $480 |
| Yellow Medicine County | 4 | 47 | $407 | $488 | $555 |
To compare insurance plans side by side (or with health sharing), open your county.