Key Facts
Health Insurance Options in Minnesota
Minnesota has one of the most comprehensive health coverage systems in the nation, with multiple programs designed to ensure residents can access affordable care. The state runs its own marketplace (MNsure) and offers both Medical Assistance (Medicaid) and the unique MinnesotaCare program.
Medical Assistance (Minnesota Medicaid)
Minnesota's Medicaid program, called Medical Assistance, provides free or low-cost health coverage to eligible residents.
- Adults ages 19-64 with income up to 138% FPL ($20,783/year for individuals)
- Pregnant women with income up to 283% FPL
- Children through Medical Assistance or MinnesotaCare
- Seniors and people with disabilities
MinnesotaCare
MinnesotaCare is a unique state program that provides affordable coverage for Minnesotans who earn too much for Medical Assistance but still need help affording health insurance.
- Available for adults and children with income between 138-200% FPL
- Low monthly premiums (based on income)
- No deductibles
- Comprehensive benefits including dental and vision
How to Apply for Public Programs
You can apply for Medical Assistance or MinnesotaCare through:
- Online at MNsure.org
- By phone: 1-855-366-7873
- In person at your local county human services office
- Through a certified navigator or broker
MNsure Marketplace
MNsure is Minnesota's state-based health insurance marketplace. Unlike most states that use HealthCare.gov, Minnesota operates its own exchange where residents can shop for private health insurance plans.
Available Plan Types
- Bronze: Lower premiums, higher out-of-pocket costs (60% coverage)
- Silver: Moderate premiums and costs (70% coverage) - best for subsidies
- Gold: Higher premiums, lower out-of-pocket costs (80% coverage)
- Platinum: Highest premiums, lowest out-of-pocket costs (90% coverage)
Enrollment Periods
Open Enrollment: November 1, 2024 - January 15, 2025
Medical Assistance and MinnesotaCare accept applications year-round. Special Enrollment Periods are available for qualifying life events.
Average Costs in Minnesota
Health insurance costs in Minnesota vary based on your age, location, plan type, and tobacco use. Here are typical monthly premiums before subsidies:
| Plan Type | Individual (Age 40) | Family of 4 |
|---|---|---|
| Bronze | $350 - $420 | $1,100 - $1,400 |
| Silver | $440 - $540 | $1,400 - $1,750 |
| Gold | $510 - $610 | $1,600 - $2,000 |
| MinnesotaCare | $0 - $80 | Based on income |
| Medical Assistance | $0 | $0 |
Frequently Asked Questions
Has Minnesota expanded Medicaid?
Yes, Minnesota expanded Medicaid in 2014. In fact, Minnesota had already expanded coverage to some adults before the ACA through MinnesotaCare. Adults earning up to 138% of the federal poverty level qualify for Medical Assistance (Medicaid), and those earning 138-200% FPL may qualify for MinnesotaCare.
What is MNsure?
MNsure is Minnesota's state-based health insurance marketplace. It's where Minnesota residents can shop for and compare private health insurance plans, apply for Medical Assistance (Medicaid), or enroll in MinnesotaCare. MNsure operates independently from HealthCare.gov.
What is MinnesotaCare?
MinnesotaCare is a state-subsidized health insurance program for Minnesotans who earn too much for Medical Assistance but may still need help affording coverage. It's available to adults and children with household incomes between 138-200% of the federal poverty level.
When is Open Enrollment for Minnesota health insurance?
Open Enrollment through MNsure for 2025 coverage runs from November 1, 2024 through January 15, 2025. Medical Assistance (Medicaid) and MinnesotaCare accept applications year-round.
Need Help Finding Minnesota Coverage?
Our licensed agents can help you navigate MNsure, Medical Assistance, MinnesotaCare, and find the best coverage option for your situation.
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