Minnesota residents can enroll in health insurance through the state-run marketplace, MNsure. You can browse the Affordable Care Act for compliant health plans at the state exchange, view premium estimates, and consider coverage options.
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How to Buy Health Insurance in Minnesota
Minnesota residents without employer health insurance can obtain coverage on the state exchange. Bronze, Silver, and Gold are the three metal tier levels available for health insurance coverage.
The cost of your monthly premium is determined by the type of coverage you select and whether you are eligible for a subsidy. Bronze-tier plans often offer the cheapest premiums and the highest deductibles. The lowest deductibles are found in Gold level policies, but premiums are higher. Moreover, Medicaid coverage is available to qualifying low-income residents.
How to Apply for Health Insurance in Minnesota
At MNsure, you can enter your details to view your coverage options. You will receive a list of plan options depending on your budget and tier coverage level selection.
Health Insurance Carriers In Minnesota
Currently, Minnesota has six health insurance companies offering coverage on the state marketplace, including PreferredOne, Quartz, UCare, Medica, Group Health, and Blue Plus.
Minnesota Health Insurance Costs Overview
As 2025 data is not yet available, we have used statistics from 2024 to reflect costs so you can have an idea of what to expect.
Bronze, Silver, and Gold are the three metal tiers available in Minnesota for health insurance.
How Much Does Health Insurance Cost in Minnesota?
According to the KFF, the average benchmark premium in Minnesota is $363 a month.
What is the Cheapest Health Insurance Plan in Minnesota?
Typically, Bronze plans are the most affordable, but they only offer a restricted set of services. Gold plans are more extensive, but premiums are often more costly.
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Cheapest Minnesota Health Insurance Coverage by Metal Tier
As 2025 data is not yet available, we have used statistics from 2024 to reflect costs so you can have an idea of what to expect.
Note that all costs are 2025 pricing from KFF. (source)
Gold Plans
The average lowest cost premium of a Gold Plan in Minnesota in 2025 was $419.
Silver Plans
The average lowest cost premium of a Silver Plan in Minnesota in 2025 was $355.
Bronze Plans
For a Bronze plan, the average lowest premium in 2o25 was $304.
Other Types of Minnesota Health Insurance Coverage
Other health insurance options in Minnesota include Catastrophic, Short-Term, and Medicare coverage.
Catastrophic Health Insurance in Minnesota
Some residents eligible for a hardship exemption, or under the age of 30 may qualify for Catastrophic Health Insurance available on or off the exchange in Minnesota.
Catastrophic health insurance policies are known for having large deductibles and restricted coverage. This kind of safeguard can protect you from worst-case situations, but a premium tax credit can often assist you in obtaining a more comprehensive and inexpensive plan.
Short Term Health Insurance in Minnesota
Minnesota limits short-term health insurance to six months, and plans are nonrenewable. ACA-compliant plans are more popular than short-term plans, which many insurers have stopped selling in recent years. Currently, only two insurers offer short-term coverage, Golden Rule and United Healthcare.
Low Income Health Insurance in Minnesota
Minnesota’s Medicaid plans are available to eligible low-income residents through MNsure. Individuals who meet eligibility requirements can include women, seniors, children, families, individuals with a disability, and others.
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