Health insurance prices in Koochiching County, MN (2026)
29 marketplace plans from 3 insurers. Cheapest plan $472/mo; typical Silver $600/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 2.
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 $472–$546 (typical $508) · Silver $535–$636 (typical $600) · Gold $608–$736 (typical $685)
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 |
|---|---|---|---|---|---|---|---|
| Blue Cross and Blue Shield of MinnesotaBCBS Minnesota (Blue Cross Blue Shield company) | 9 | $472 | $496 | $549 | $616 | Blue Plus Minnesota Value HSA Bronze | |
| UCare Minnesota | 9 | $504 | $534 | $597 | $701 | UCare Bronze HSA | |
| Medica | 11 | $500 | $510 | $622 | $713 | Medica Applause Bronze Share Plus |
All 29 plans in Koochiching County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| Blue Cross and Blue Shield of Minnesota | Blue Plus Minnesota Value HSA Bronze | Expanded Bronze | PPO | $472 | $8,500 | $8,500 | $14,164 | |
| Blue Cross and Blue Shield of Minnesota | Blue Plus Minnesota Value Bronze | Expanded Bronze | PPO | $491 | $5,800 | $10,600 | $16,497 | |
| Blue Cross and Blue Shield of Minnesota | Blue Plus Minnesota Value Bronze | Bronze | PPO | $500 | $7,750 | $10,600 | $16,597 | |
| Medica | Medica Applause Bronze Share Plus | Bronze | EPO | $500 | $5,000 | $10,600 | $16,598 | |
| UCare Minnesota | UCare Bronze HSA | Expanded Bronze | HMO | $504 | $8,500 | $8,500 | $14,546 | |
| Blue Cross and Blue Shield of Minnesota | Blue Plus Easy Compare Bronze Blue Plus Minnesota Value | Expanded Bronze | PPO | $507 | $7,500 | $9,700 | $15,787 | |
| Medica | Medica Applause Bronze $0 Copay PCP Visits | Expanded Bronze | EPO | $508 | $7,500 | $10,600 | $16,696 | |
| Medica | Medica Applause Bronze Copay (First 3) | Bronze | EPO | $510 | $7,500 | $10,600 | $16,716 | |
| Medica | Medica Easy Compare Bronze Applause | Expanded Bronze | EPO | $516 | $7,500 | $9,700 | $15,898 | |
| Medica | Medica Applause Bronze HSA | Expanded Bronze | EPO | $524 | $7,500 | $8,500 | $14,793 | |
| UCare Minnesota | UCare Bronze | Expanded Bronze | HMO | $526 | $7,500 | $10,150 | $16,457 | |
| Blue Cross and Blue Shield of Minnesota | Blue Plus Minnesota Value HSA Silver | Silver | PPO | $535 | $3,400 | $7,900 | $14,320 | |
| UCare Minnesota | UCare Bronze Access | Expanded Bronze | HMO | $543 | $8,600 | $10,150 | $16,669 | |
| UCare Minnesota | UCare Easy Compare Bronze | Expanded Bronze | HMO | $546 | $7,500 | $9,700 | $16,249 | |
| Blue Cross and Blue Shield of Minnesota | Blue Plus Easy Compare Silver and Rx Copay Blue Plus Minnesota Value | Silver | PPO | $563 | $4,500 | $9,200 | $15,960 | |
| UCare Minnesota | UCare Silver HSA | Silver | HMO | $573 | $3,500 | $7,500 | $14,374 | |
| UCare Minnesota | UCare Easy Compare Silver and Rx Copay | Silver | HMO | $597 | $4,500 | $9,200 | $16,362 | |
| Medica | Medica Applause Silver $0 Copay PCP Visits | Silver | EPO | $600 | $3,500 | $10,450 | $17,646 | |
| UCare Minnesota | UCare Silver | Silver | HMO | $601 | $4,250 | $9,600 | $16,816 | |
| Blue Cross and Blue Shield of Minnesota | Blue Plus Minnesota Value Gold Rx Copay | Gold | PPO | $608 | $1,200 | $7,500 | $14,791 | |
| Blue Cross and Blue Shield of Minnesota | Blue Plus Minnesota Value HSA Gold | Gold | PPO | $616 | $3,400 | $5,600 | $12,998 | |
| Medica | Medica Applause Silver Share | Silver | EPO | $622 | $1,600 | $9,350 | $16,813 | |
| Medica | Medica Applause Silver HSA | Silver | EPO | $623 | $3,700 | $8,500 | $15,976 | |
| Blue Cross and Blue Shield of Minnesota | Blue Plus Easy Compare Gold and Rx Copay Blue Plus Minnesota Value | Gold | PPO | $628 | $2,000 | $8,200 | $15,740 | |
| Medica | Medica Easy Compare Silver and Rx Copay Applause | Silver | EPO | $636 | $4,500 | $9,200 | $16,829 | |
| UCare Minnesota | UCare Easy Compare Gold and Rx Copay | Gold | HMO | $685 | $2,000 | $8,200 | $16,425 | |
| Medica | Medica Applause Gold $0 Copay PCP Visits | Gold | EPO | $691 | $1,500 | $8,800 | $17,089 | |
| UCare Minnesota | UCare Gold | Gold | HMO | $716 | $1,500 | $8,500 | $17,095 | |
| Medica | Medica Easy Compare Gold and Rx Copay Applause | Gold | EPO | $736 | $2,000 | $8,200 | $17,032 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $472 | $508 | $546 | 13 | $7,500 | $10,150 | $16,457 |
| Silver | $535 | $600 | $636 | 9 | $3,700 | $9,200 | $16,362 |
| Gold | $608 | $685 | $736 | 7 | $2,000 | $8,200 | $16,425 |
* 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.