Health insurance prices in Stearns County, MN (2026)
49 marketplace plans from 4 insurers. Cheapest plan $383/mo; typical Silver $487/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 8.
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 $383–$470 (typical $438) · Silver $438–$570 (typical $487) · Gold $498–$659 (typical $555)
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 | $387 | $406 | $450 | $505 | Blue Plus Minnesota Value HSA Bronze | |
| UCare Minnesota | 9 | $408 | $433 | $484 | $568 | UCare Bronze HSA | |
| HealthPartners | 20 | $383 | $419 | $491 | $575 | Peak $8,400 HSA Bronze | |
| Medica | 11 | $438 | $457 | $558 | $639 | Medica Applause Bronze Share Plus Metro |
All 49 plans in Stearns County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| HealthPartners | Peak $8,400 HSA Bronze | Expanded Bronze | PPO | $383 | $8,400 | $8,400 | $12,997 | |
| Blue Cross and Blue Shield of Minnesota | Blue Plus Minnesota Value HSA Bronze | Expanded Bronze | PPO | $387 | $8,500 | $8,500 | $13,142 | |
| HealthPartners | Peak $6,800 Plus Bronze HSA | Expanded Bronze | PPO | $396 | $6,800 | $10,600 | $15,356 | |
| HealthPartners | HealthPartners Easy Compare Bronze Peak HSA | Expanded Bronze | PPO | $399 | $7,500 | $9,700 | $14,493 | |
| Blue Cross and Blue Shield of Minnesota | Blue Plus Minnesota Value Bronze | Expanded Bronze | PPO | $403 | $5,800 | $10,600 | $15,433 | |
| UCare Minnesota | UCare Bronze HSA | Expanded Bronze | HMO | $408 | $8,500 | $8,500 | $13,399 | |
| Blue Cross and Blue Shield of Minnesota | Blue Plus Minnesota Value Bronze | Bronze | PPO | $410 | $7,750 | $10,600 | $15,515 | |
| Blue Cross and Blue Shield of Minnesota | Blue Plus Easy Compare Bronze Blue Plus Minnesota Value | Expanded Bronze | PPO | $416 | $7,500 | $9,700 | $14,689 | |
| UCare Minnesota | UCare Bronze | Expanded Bronze | HMO | $426 | $7,500 | $10,150 | $15,261 | |
| Medica | Medica Applause Bronze Share Plus Metro | Bronze | EPO | $438 | $5,000 | $10,600 | $15,852 | |
| HealthPartners | Alpine $8,400 HSA Bronze | Expanded Bronze | PPO | $438 | $8,400 | $8,400 | $13,652 | |
| Blue Cross and Blue Shield of Minnesota | Blue Plus Minnesota Value HSA Silver | Silver | PPO | $438 | $3,400 | $7,900 | $13,161 | |
| UCare Minnesota | UCare Bronze Access | Expanded Bronze | HMO | $440 | $8,600 | $10,150 | $15,433 | |
| UCare Minnesota | UCare Easy Compare Bronze | Expanded Bronze | HMO | $442 | $7,500 | $9,700 | $15,007 | |
| HealthPartners | Peak $3,800 HSA Silver | Silver | PPO | $442 | $3,800 | $8,000 | $13,309 | |
| HealthPartners | Alpine $6,800 Plus Bronze HSA | Expanded Bronze | PPO | $453 | $6,800 | $10,600 | $16,034 | |
| Medica | Medica Applause Bronze $0 Copay PCP Visits | Expanded Bronze | EPO | $455 | $7,500 | $10,600 | $16,063 | |
| HealthPartners | HealthPartners Easy Compare Bronze Alpine HSA | Expanded Bronze | PPO | $456 | $7,500 | $9,700 | $15,175 | |
| Medica | Medica Applause Bronze Copay (First 3) | Bronze | EPO | $457 | $7,500 | $10,600 | $16,080 | |
| Blue Cross and Blue Shield of Minnesota | Blue Plus Easy Compare Silver and Rx Copay Blue Plus Minnesota Value | Silver | PPO | $462 | $4,500 | $9,200 | $14,740 | |
| Medica | Medica Easy Compare Bronze Applause | Expanded Bronze | EPO | $463 | $7,500 | $9,700 | $15,254 | |
| UCare Minnesota | UCare Silver HSA | Silver | HMO | $464 | $3,500 | $7,500 | $13,070 | |
| HealthPartners | Peak $3,150 Plus Silver | Silver | PPO | $466 | $3,150 | $10,150 | $15,738 | |
| Medica | Medica Applause Bronze HSA | Expanded Bronze | EPO | $470 | $7,500 | $8,500 | $14,140 | |
| HealthPartners | Peak $3,000 Silver | Silver | PPO | $471 | $3,000 | $10,000 | $15,655 | |
| HealthPartners | HealthPartners Easy Compare Silver Rx Copay Peak | Silver | PPO | $477 | $4,500 | $9,200 | $14,920 | |
| UCare Minnesota | UCare Easy Compare Silver and Rx Copay | Silver | HMO | $484 | $4,500 | $9,200 | $15,003 | |
| UCare Minnesota | UCare Silver | Silver | HMO | $487 | $4,250 | $9,600 | $15,447 | |
| Blue Cross and Blue Shield of Minnesota | Blue Plus Minnesota Value Gold Rx Copay | Gold | PPO | $498 | $1,200 | $7,500 | $13,475 | |
| Blue Cross and Blue Shield of Minnesota | Blue Plus Minnesota Value HSA Gold | Gold | PPO | $505 | $3,400 | $5,600 | $11,662 | |
| HealthPartners | Alpine $3,800 HSA Silver | Silver | PPO | $505 | $3,800 | $8,000 | $14,065 | |
| Blue Cross and Blue Shield of Minnesota | Blue Plus Easy Compare Gold and Rx Copay Blue Plus Minnesota Value | Gold | PPO | $515 | $2,000 | $8,200 | $14,379 | |
| HealthPartners | Peak $2,400 Gold | Gold | PPO | $530 | $2,400 | $9,000 | $15,358 | |
| HealthPartners | Alpine $3,150 Plus Silver | Silver | PPO | $532 | $3,150 | $10,150 | $16,534 | |
| Medica | Medica Applause Silver $0 Copay PCP Visits | Silver | EPO | $537 | $3,500 | $10,450 | $16,898 | |
| HealthPartners | HealthPartners Easy Compare Gold Rx Copay Peak | Gold | PPO | $538 | $2,000 | $8,200 | $14,652 | |
| HealthPartners | Alpine $3,000 Silver | Silver | PPO | $538 | $3,000 | $10,000 | $16,461 | |
| HealthPartners | HealthPartners Easy Compare Silver Rx Copay Alpine | Silver | PPO | $545 | $4,500 | $9,200 | $15,735 | |
| HealthPartners | Peak $1,300 Gold | Gold | PPO | $545 | $1,300 | $8,600 | $15,139 | |
| UCare Minnesota | UCare Easy Compare Gold and Rx Copay | Gold | HMO | $555 | $2,000 | $8,200 | $14,864 | |
| Medica | Medica Applause Silver Share | Silver | EPO | $557 | $1,600 | $9,350 | $16,038 | |
| Medica | Medica Applause Silver HSA | Silver | EPO | $558 | $3,700 | $8,500 | $15,199 | |
| Medica | Medica Easy Compare Silver and Rx Copay Applause | Silver | EPO | $570 | $4,500 | $9,200 | $16,037 | |
| UCare Minnesota | UCare Gold | Gold | HMO | $580 | $1,500 | $8,500 | $15,464 | |
| HealthPartners | Alpine $2,400 Gold | Gold | PPO | $605 | $2,400 | $9,000 | $16,264 | |
| HealthPartners | HealthPartners Easy Compare Gold Rx Copay Alpine | Gold | PPO | $614 | $2,000 | $8,200 | $15,571 | |
| Medica | Medica Applause Gold $0 Copay PCP Visits | Gold | EPO | $619 | $1,500 | $8,800 | $16,228 | |
| HealthPartners | Alpine $1,300 Gold | Gold | PPO | $623 | $1,300 | $8,600 | $16,070 | |
| Medica | Medica Easy Compare Gold and Rx Copay Applause | Gold | EPO | $659 | $2,000 | $8,200 | $16,114 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $383 | $438 | $470 | 19 | $7,500 | $9,700 | $15,254 |
| Silver | $438 | $487 | $570 | 17 | $3,700 | $9,200 | $15,447 |
| Gold | $498 | $555 | $659 | 13 | $2,000 | $8,200 | $15,358 |
* 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.