Find Affordable Coverage in Minnesota
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Minnesota ACA Marketplace Overview
In 2026, approximately 115,000 Minnesota residents are enrolled in ACA Marketplace coverage. Minnesota uses its own state-run exchange for health insurance enrollment.
Minnesota has expanded Medicaid under the ACA, meaning adults earning up to 138% FPL qualify for free or near-free coverage through Medicaid.
How Much Does ACA Coverage Cost in Minnesota?
The benchmark Silver plan (second-lowest-cost Silver plan) in Minnesota costs approximately $412/month before subsidies in 2026. However, most Minnesota residents who qualify for premium tax credits pay significantly less.
- $0/month premium: Possible for Minnesota households earning up to 150% of the Federal Poverty Level
- Low premiums: Households earning up to 400% FPL qualify for substantial subsidies
- Above 400% FPL: Still eligible if the benchmark plan exceeds 8.5% of household income
Use our ACA Subsidy Calculator to estimate your specific monthly costs based on your Minnesota household income.
Top ACA Health Insurance Companies in Minnesota
The following carriers offer ACA Marketplace plans in Minnesota for 2026:
- Blue Cross Blue Shield MN
- HealthPartners
- Medica
Plan availability varies by county in Minnesota. Use MNsure to see exact plans available in your ZIP code.
ACA Plan Tiers Available in Minnesota
- Bronze: Lowest premiums, highest deductibles. Best for healthy Minnesota residents who rarely need care.
- Silver: Mid-range. Strongly recommended for Minnesota households earning 100–250% FPL — Silver plans unlock Cost-Sharing Reductions that significantly lower deductibles and copays.
- Gold: Higher premiums, lower out-of-pocket. Best for Minnesota residents who use healthcare frequently.
- Platinum: Highest premium, lowest cost per service. Available in most Minnesota counties.
When to Enroll in Minnesota
- Open Enrollment: November 1 – January 15 on MNsure
- January 1 coverage: Enroll by December 15
- February 1 coverage: Enroll by January 15
- Special Enrollment: Available year-round if you lose job-based coverage, move, get married, or have a baby
Minnesota Insurance Resources
- MNsure — Official Minnesota enrollment portal
- Minnesota Department of Insurance — Plan complaints and consumer protection
- Complete ACA Guide — Full explanation of ACA Marketplace rules
- Subsidy Calculator — Estimate your 2026 premium tax credit