Health insurance in Minnesota is sold through MNsure, with an estimated 40-70 plans available for 2026. The average Silver-tier premium is $400/mo before subsidies for a 40-year-old non-smoker. Medicaid status: Expanded.
Marketplace
MNsure
MNsure
Avg Silver Premium
$400/mo
Before tax credits, age 40
Medicaid
Expanded
Affordable Care Act status
| Field | Value | Notes |
|---|---|---|
| Marketplace | MNsure | State-run exchange |
| Open Enrollment 2026 | Nov 1, 2025 – Jan 15, 2026 | Special enrollment for QLEs year-round |
| Plans available | 40-70 | Bronze/Silver/Gold/Platinum tiers |
| Medicaid expansion | Expanded | Up to 138% FPL |
Premium and plan counts are estimates for 2026 based on prior-year filings and pending rate approvals. Always verify pricing on the marketplace itself before enrolling.
Minnesota's MNsure exchange had a rocky early years, including a 2016 premium spike that triggered a state response. Today, MNsure offers 40–70 plans with BCBS of Minnesota, HealthPartners, and UCare as leading carriers. Silver premiums average $390–$415/month for a 40-year-old before subsidies, well below the national average. Minnesota operates a reinsurance program under a 1332 waiver that has helped stabilize the market. MinnesotaCare is a state program for residents earning between 138% and 200% FPL, offering subsidized coverage that complements the ACA marketplace.
Minnesota expanded Medicaid (Medical Assistance) in 2014 and maintains one of the lower uninsured rates in the Midwest. The combination of Medical Assistance (Medicaid expansion), MinnesotaCare (for near-poor adults), and ACA marketplace plans creates a tiered coverage system. Minnesota's strong nonprofit insurer culture — HealthPartners, UCare, PreferredOne — has historically supported competitive markets and network adequacy. Greater Minnesota (rural areas) face some access challenges, but the state's community health center network is robust.
Leading 2026 ACA carriers in Minnesota: Blue Cross Blue Shield of Minnesota, HealthPartners, UCare. Plan selection and network breadth vary widely by ZIP code — use the marketplace's plan-finder tool with your ZIP and household income for accurate availability.
Minnesota operates a state premium subsidy program (MinnesotaCare) and a reinsurance program that has helped lower premiums significantly after a 2016 crisis year.
Minnesota expanded Medicaid under the ACA. Adults under 138% of the Federal Poverty Level (FPL) qualify — about $20,800/yr for an individual or $43,000/yr for a family of 4 in 2026.
💡 Minnesota Pro Tip
Minnesota operates its own state-based exchange called MNsure at mnsure.org.
A 40-year-old non-smoker in Minnesota typically pays about $390–$415/month for a Silver plan before subsidies, aided by the state's reinsurance program.
Yes. Minnesota expanded Medicaid (Medical Assistance) in 2014. Adults earning up to 138% FPL are generally eligible, with MinnesotaCare covering adults between 138–200% FPL.
Marketplace data sourced from state and federal exchange filings for Minnesota, April 2026. Premium estimates are 2026-projected.
Jennifer Walsh
Editorial Lead, Health & Medicare
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed April 2026
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