Health insurance prices in Freeborn County, MN (2026)
38 marketplace plans from 3 insurers. Cheapest plan $508/mo; typical Silver $714/mo. Official marketplace: MNsure (enter your ZIP for your real price and tax credit).
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). Rating Area 1.
Tick 2 to 4 options anywhere on this page (an insurer's cheapest plan, any plan in the full list, or a health sharing program) and press Compare. You can mix insurance and health sharing, and share the link.
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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 $508–$624 (typical $598) · Silver $587–$757 (typical $714) · Gold $703–$876 (typical $738)
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.
| Comparecheapest plan | Insurer | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| HealthPartners | 10 | $508 | $526 | $621 | $713 | Alpine $8,400 HSA Bronze | |
| Blue Cross and Blue Shield of MinnesotaBCBS Minnesota (Blue Cross Blue Shield company) | 6 | $555 | $576 | $645 | $726 | Blue Plus Southeast MN HSA Bronze | |
| Medica | 22 | $591 | $605 | $740 | $846 | Engage by Medica Bronze Share Plus |
All 38 plans in Freeborn County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| HealthPartners | Alpine $8,400 HSA Bronze | Expanded Bronze | PPO | $508 | $8,400 | $8,400 | $14,496 | |
| HealthPartners | Alpine $6,800 Plus Bronze HSA | Expanded Bronze | PPO | $526 | $6,800 | $10,600 | $16,907 | |
| HealthPartners | HealthPartners Easy Compare Bronze Alpine HSA | Expanded Bronze | PPO | $530 | $7,500 | $9,700 | $16,056 | |
| Blue Cross and Blue Shield of Minnesota | Blue Plus Southeast MN HSA Bronze | Expanded Bronze | PPO | $555 | $8,500 | $8,500 | $15,157 | |
| HealthPartners | Alpine $3,800 HSA Silver | Silver | PPO | $587 | $3,800 | $8,000 | $15,041 | |
| Medica | Engage by Medica Bronze Share Plus | Bronze | EPO | $591 | $5,000 | $10,600 | $17,692 | |
| Medica | Medica Applause Bronze Share Plus | Bronze | EPO | $595 | $5,000 | $10,600 | $17,739 | |
| Blue Cross and Blue Shield of Minnesota | Blue Plus Easy Compare Bronze Blue Plus Southeast MN | Expanded Bronze | PPO | $596 | $7,500 | $9,700 | $16,855 | |
| Medica | Engage by Medica Bronze $0 Copay PCP Visits | Expanded Bronze | EPO | $601 | $7,500 | $10,600 | $17,809 | |
| Medica | Engage by Medica Bronze Copay (First 3) | Bronze | EPO | $603 | $7,500 | $10,600 | $17,832 | |
| Medica | Medica Applause Bronze $0 Copay PCP Visits | Expanded Bronze | EPO | $605 | $7,500 | $10,600 | $17,857 | |
| Medica | Medica Easy Compare Bronze Engage by Medica | Expanded Bronze | EPO | $611 | $7,500 | $9,700 | $17,029 | |
| Medica | Medica Easy Compare Bronze Applause | Expanded Bronze | EPO | $615 | $7,500 | $9,700 | $17,077 | |
| HealthPartners | Alpine $3,150 Plus Silver | Silver | PPO | $618 | $3,150 | $10,150 | $17,561 | |
| Medica | Engage by Medica Bronze HSA | Expanded Bronze | EPO | $620 | $7,500 | $8,500 | $15,942 | |
| Medica | Medica Applause Bronze HSA | Expanded Bronze | EPO | $624 | $7,500 | $8,500 | $15,991 | |
| HealthPartners | Alpine $3,000 Silver | Silver | PPO | $625 | $3,000 | $10,000 | $17,500 | |
| Blue Cross and Blue Shield of Minnesota | Blue Plus Southeast MN HSA Silver | Silver | PPO | $629 | $3,400 | $7,900 | $15,445 | |
| HealthPartners | HealthPartners Easy Compare Silver Rx Copay Alpine | Silver | PPO | $632 | $4,500 | $9,200 | $16,785 | |
| Blue Cross and Blue Shield of Minnesota | Blue Plus Easy Compare Silver and Rx Copay Blue Plus Southeast MN | Silver | PPO | $662 | $4,500 | $9,200 | $17,145 | |
| HealthPartners | Alpine $2,400 Gold | Gold | PPO | $703 | $2,400 | $9,000 | $17,433 | |
| Medica | Engage by Medica Silver $0 Copay PCP Visits | Silver | EPO | $709 | $3,500 | $10,450 | $18,959 | |
| HealthPartners | HealthPartners Easy Compare Gold Rx Copay Alpine | Gold | PPO | $713 | $2,000 | $8,200 | $16,757 | |
| Medica | Medica Applause Silver $0 Copay PCP Visits | Silver | EPO | $714 | $3,500 | $10,450 | $19,015 | |
| Blue Cross and Blue Shield of Minnesota | Blue Plus Southeast MN Gold Rx Copay | Gold | PPO | $714 | $1,200 | $7,500 | $16,069 | |
| HealthPartners | Alpine $1,300 Gold | Gold | PPO | $723 | $1,300 | $8,600 | $17,272 | |
| Medica | Engage by Medica Silver Share | Silver | EPO | $735 | $1,600 | $9,350 | $18,176 | |
| Medica | Engage by Medica Silver HSA | Silver | EPO | $737 | $3,700 | $8,500 | $17,340 | |
| Blue Cross and Blue Shield of Minnesota | Blue Plus Easy Compare Gold and Rx Copay Blue Plus Southeast MN | Gold | PPO | $738 | $2,000 | $8,200 | $17,061 | |
| Medica | Medica Applause Silver Share | Silver | EPO | $740 | $1,600 | $9,350 | $18,233 | |
| Medica | Medica Applause Silver HSA | Silver | EPO | $742 | $3,700 | $8,500 | $17,398 | |
| Medica | Medica Easy Compare Silver and Rx Copay Engage by Medica | Silver | EPO | $752 | $4,500 | $9,200 | $18,222 | |
| Medica | Engage by Medica Silver Copay (First 3) | Silver | EPO | $756 | $2,600 | $9,300 | $18,373 | |
| Medica | Medica Easy Compare Silver and Rx Copay Applause | Silver | EPO | $757 | $4,500 | $9,200 | $18,281 | |
| Medica | Engage by Medica Gold $0 Copay PCP Visits | Gold | EPO | $817 | $1,500 | $8,800 | $18,602 | |
| Medica | Medica Applause Gold $0 Copay PCP Visits | Gold | EPO | $822 | $1,500 | $8,800 | $18,666 | |
| Medica | Medica Easy Compare Gold and Rx Copay Engage by Medica | Gold | EPO | $870 | $2,000 | $8,200 | $18,644 | |
| Medica | Medica Easy Compare Gold and Rx Copay Applause | Gold | EPO | $876 | $2,000 | $8,200 | $18,712 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $508 | $598 | $624 | 14 | $7,500 | $9,700 | $16,968 |
| Silver | $587 | $714 | $757 | 15 | $3,500 | $9,200 | $17,561 |
| Gold | $703 | $738 | $876 | 9 | $2,000 | $8,200 | $17,433 |
* 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.