ACA Health Insurance > Break Down > Health Insurance in Minnesota
Health Insurance Minnesota: Your Roadmap to Affordable Coverage
From Minneapolis to Duluth—We’ve Got Minnesota Covered.
Hey there, Minnesota neighbor! Looking for health insurance in Minnesota? Whether you're new to the system or want to switch plans, this guide makes things simple and stress-free. No confusing terms. No salesy pressure. Just real guidance for real Minnesotans like you.
Why Should You Buy Health Insurance in Minnesota?
Minnesota winters are cold—and unexpected medical costs can be even colder. Health insurance is your protection against the financial shock of illness, injury, or even routine care.
Why it matters in Minnesota:
About 5% of Minnesotans under 65 are uninsured—one of the lowest rates in the country.
With a mix of rural and urban areas, access to consistent care can vary. Insurance makes it easier to get what you need.
ACA plans cover preventive services like annual checkups, screenings, and vaccines at no cost.
Even if you’re healthy now, coverage ensures you stay that way—and shields you from surprise bills down the road.
Types of Health Insurance Available in Minnesota
Marketplace Plans (ACA via MNsure)
Minnesota runs its own exchange, MNsure, where residents can compare ACA-compliant plans and apply for financial help.
Short-Term Insurance
Short-term plans are available in Minnesota but come with limited benefits. Best for brief transitions, not long-term solutions.
Medicare
If you’re 65+ or have certain conditions, Medicare provides hospital, outpatient, and prescription coverage—with optional supplement or Advantage plans.
Medical Assistance & MinnesotaCare
Minnesota offers two Medicaid-based programs: Medical Assistance (Medicaid) for low-income residents, and MinnesotaCare for those with moderate incomes who don’t qualify for Medicaid.
Private Insurance
Many Minnesotans get insurance through employers or buy directly from a carrier. We help you compare all your options side-by-side.
Compare plans based on price and benefits with us.
Is Health Insurance Required in Minnesota?
There’s no individual mandate in Minnesota requiring you to have insurance—but going without it can leave you financially vulnerable.
Without a plan, a single ER visit could set you back thousands. You’d also miss out on regular care that could help prevent bigger issues down the road.
So even without a legal penalty, having health insurance in Minnesota is still the smart move.
How Much Does Health Insurance Cost in Minnesota?
Health insurance pricing in Minnesota depends on your income, age, location, and household size. The good news? Many Minnesotans qualify for premium tax credits through MNsure—or even MinnesotaCare.
Some pay $0/month after savings. Many others land under $75/month with subsidies. And MinnesotaCare offers monthly premiums as low as $4 to $80, depending on income.
If you're on Medicare, your costs vary based on whether you stick with Original Medicare, go with Advantage, or add a supplement.
💡 Add a calculator here to help Minnesotans estimate their plan costs and eligibility for MinnesotaCare or tax credits.
How to Pick the Right Health Plan for You
Think about your:
Doctor visit frequency
Prescription needs
Preferred providers or clinics
Monthly and yearly budget
Some choose lower premiums with higher deductibles. Others want fuller coverage with fewer surprises.
If you're unsure, our Minnesota-based agents will help walk you through the options—no pressure, just clarity.
Our Health Insurance Services in Minnesota
Navigating health insurance in Minnesota shouldn’t feel like shoveling snow in a blizzard. We're here to make it easy.
Who We Help
We assist:
Young adults aging off family plans
Freelancers, farmers, and small business owners
Seniors exploring Medicare options
Families juggling multiple coverage needs
Anyone who wants a stress-free experience
What We Offer
We help with:
MNsure plan selection
Private insurance comparisons
Medicare and Medical Assistance/MinnesotaCare enrollment
Dual-eligible and special needs plans
Dental, vision, and prescription programs
And yes—we offer bilingual support in Spanish.
How to Get Started
Compare plans.
Chat with an agent (optional).
Enroll online or by phone.
Done and done—you’re covered.
Most Affordable Health Insurance in Minnesota
Here are three carriers offering budget-friendly ACA plans through MNsure:
Blue Plus (Blue Cross and Blue Shield of Minnesota) – Local, reliable, and well-connected across the state.
HealthPartners – Known for affordable premiums and integrated care.
UCare – Offers MinnesotaCare and MNsure plans with strong customer service and community roots.
We’ll help you compare them all so you can choose the right fit based on value, doctors, and coverage.
Top 3 Most Uninsured Cities in Minnesota
While Minnesota has one of the best coverage rates in the U.S., some areas still fall behind:
St. Cloud, MN – High uninsured rates among younger adults and gig workers.
Moorhead, MN – Coverage gaps linked to part-time employment and income instability.
Rochester, MN – Despite access to top medical care, some residents remain uninsured due to cost concerns.
Wherever you live in Minnesota, we’re here to help you get the coverage you need.
Final Tip from Your Friendly Guide
Health insurance in Minnesota isn’t just about checking a box—it’s about protecting your health, your family, and your financial future.
If you’re ready to explore your options, ask questions, or get enrolled, our Minnesota team is here to help. Let’s get you covered today.
Just a heads-up! We looked at our own data to figure out the average health insurance prices as of January 2025. These numbers are just meant to give you an idea—your actual quote might be different depending on your personal situation.
Also, our lawyers want us to remind you: this info is general and doesn’t change what’s actually written in your real insurance policy, which can be different depending on where you live. It’s always a good idea to chat with your own trusted advisor if you have specific questions.
This post is just here to help you get helpful info and tips—not to replace real advice. Plus, if we mention anything from other people or companies, just know that’s their opinion, not ours. And remember, not all plans or discounts are available everywhere!