Health insurance for Minnesotans who buy their own.
We help Minnesotans who buy their own health insurance, whether you left a job, work for yourself or retired before 65, compare MNsure plans, MinnesotaCare and your other options.
Minnesota plans we compare
What’s different about health insurance in Minnesota.
Every state runs its individual market a little differently. These are the rules that matter most if you buy your own coverage here.
Read the Minnesota FAQ- Minnesota runs its own exchange, MNsure. Open enrollment for 2027 runs November 1, 2026 to January 15, 2027, and you need to pick a plan by December 15 for a January 1 start.
- The extra federal tax credits ended after 2025, so households earning more than 400% of the poverty level get no premium help in 2026 or 2027.
- MinnesotaCare offers low-cost or free coverage to adults earning up to 200% of the poverty level, and you can apply any time of year.
- Minnesota continuation law lets you keep a fully insured job plan for up to 18 months, even at small employers that federal COBRA does not cover.
- No insurer has sold short-term health plans in Minnesota since 2023, and state law tightly limits them.
- UCare individual plans end after 2026, with members moved to Medica, and Aspirus Health Plan joins MNsure for 2027.
However you got here, there’s a better plan than the first one you were offered.
Leaving a job, or staring at a COBRA bill
Compare COBRA and Minnesota's own continuation rules with Marketplace plans and everything else you qualify for.
Compare your options
Retired before 65
Bridge the years to Medicare without draining savings.
Learn more
Self-employed or 1099
Solid coverage, manageable premiums, and the tax deduction most people miss.
Learn moreLooking beyond the Marketplace
Health sharing and other non-ACA options, with the trade-offs explained.
Learn moreNeed coverage for a short gap
What short-term coverage looks like in Minnesota, and what to use instead.
Learn moreWho sells plans in Minnesota
Every insurer offering individual and family plans for 2026.
Learn moreFrom first conversation to coverage in three steps.
- 1
Tell us your situation
Share your ZIP, age, budget and the doctors you want to keep. Online or by phone, with no commitment.
About 5 minutes - 2
We compare every option
A licensed agent checks the plans sold in your county for premiums, deductibles, networks and prescriptions.
Usually within 1 business day - 3
Enroll with confidence
See your best matches side by side. Pick one and we handle the enrollment, then stay with you for renewals.
We handle the paperwork
Straight answers before you call.
More in our Minnesota FAQ, or ask an agent at (888) 214-4898.
Open enrollment runs November 1, 2026 to January 15, 2027. Choose a plan by December 15 if you want coverage to start January 1; plans picked later start February 1. A federal rule that would have ended enrollment on December 31 was struck down by a court in June 2026.
No. The enhanced federal credits expired at the end of 2025 and Congress has not restored them. If your household income is above 400% of the poverty level, you get no tax credit, and people below that line generally get less help than in 2025.
KFF puts Minnesota's 2026 average benchmark Silver premium for a 40-year-old at $448 a month before tax credits. That is lower than the national average of $625. Your price depends on age, county and plan, and premiums for someone in their late 50s or early 60s are much higher than for a 40-year-old.
A big reason is the Minnesota Premium Security Plan, a state reinsurance program that pays part of very large claims so insurers can charge less. The federal waiver behind it runs through 2027. State officials say 2027 rates would have risen far more without it.
See what you'd actually pay.
A licensed agent will compare plans from every insurer in your Minnesota county, check your subsidy, and walk you through the options. No cost, no obligation.