Minnesota ยท MN
Health insurance in Minnesota: private plans, the Marketplace, and how AFHC helps
America First Healthcare helps Minnesota residents compare private plans, Marketplace options and gap coverage with a licensed advisor. Below is how buying coverage works in Minnesota, with every fact linked to its source.
Verify any agent's license through the NIPR lookup.
Quick facts
- Marketplace
- MNsure
- 2027 open enrollment
- Not yet confirmed
- Medicaid expansion
- Adopted
- Short-term plans
- Limited
- Insurance department
- Minnesota Department of Commerce, Insurance Division
Facts checked 2026-09-14.
Minnesota health insurance facts
- Marketplace
- Minnesota runs its own state-based marketplace, MNsure.Source
- Medicaid expansion
- Minnesota adopted Medicaid expansion (Medical Assistance, implemented January 1, 2014).Source
- Short-term plans
- Under Minnesota law a short-term plan is limited to 185 days (about six months) and cannot be renewed, though you can buy another one. Total short-term coverage is capped at 365 days within any 555-day period. Plans can deny applicants and do not cover pre-existing conditions.Source
- State insurance department
- Minnesota Department of Commerce, Insurance Division. File complaints and check agent licenses here.Source
Facts checked 2026-09-14. Rules change; confirm anything you plan around at the linked source.
Who we usually help in Minnesota
Most Minnesota households who book a review are buying coverage without an employer in the middle. The hubs below explain each situation in detail.
- Self-employed and 1099 workers
- Small business owners
- Early retirees bridging to Medicare
- People losing employer coverage
- Families who want catastrophic-first coverage
We work with families across Minnesota, including Minneapolis, Saint Paul, Rochester and Duluth, and everywhere in between. The review is by phone or video, so where you live in the state does not change how it works.
How the free review works for Minnesota residents
- Book online at the free healthcare review page or call (888) 728-7640.
- One scheduled call with one licensed advisor. We look at what you have and what your household actually needs in Minnesota.
- You get the options side by side with every cost shown. No timeline and no pressure; move forward or walk away knowing where you stand.
On our homepage map, Minnesota is one of the states marked active now.
Minnesota health insurance FAQs
Is short-term health insurance allowed in Minnesota?
Under Minnesota law a short-term plan is limited to 185 days (about six months) and cannot be renewed, though you can buy another one. Total short-term coverage is capped at 365 days within any 555-day period. Plans can deny applicants and do not cover pre-existing conditions.
When is open enrollment in Minnesota for 2027 coverage?
Minnesota runs its own marketplace, MNsure. We could not confirm its 2027 open enrollment dates from the exchange on 2026-09-14; check MNsure directly for the current window before you plan around a date.
Does Minnesota use HealthCare.gov or its own marketplace?
Minnesota runs a state-based marketplace called MNsure. Marketplace plans and any premium tax credit in Minnesota go through it rather than HealthCare.gov.
How do I verify an insurance agent's license in Minnesota?
Look the agent up through the NIPR license lookup, or contact the Minnesota Department of Commerce, Insurance Division. Ask for the agent's name and national producer number before you share personal information. NIPR license lookup.
Want a plain-English walkthrough of your Minnesota options? Book a free healthcare review. No hard sell.
Free healthcare reviewEducational only. Not medical, legal, or personalized insurance advice. Plans are offered and underwritten by third-party carriers. All states.