Minnesota · MN
Minnesota health insurance 2027: prices, plans and where to apply
In Minnesota, the 2027 benchmark silver plan for a 40-year-old averages $525 a month before tax credits, up 17% from 2026 (KFF). Below is how buying coverage works in Minnesota and where to apply, with every fact linked to its source.
Verify any agent's license through the NIPR lookup.
Reviewed by Jordan SarmientoUpdated
Quick facts
- Marketplace
- MNsure
- 2027 open enrollment
- Dates on MNsure
- Medicaid expansion
- Adopted
- Short-term plans
- Limited
- Insurance department
- Minnesota Department of Commerce, Insurance Division
Facts checked 2026-09-14.
Minnesota in 2027 at a glance
- Benchmark silver, age 40
- $525/mo
- 2027, before credits. Up 17% from 2026.
- Enrolled for 2026
- 139,251
- 49.5% got a premium tax credit.
Sources: KFF and CMS (2027 plan data), linked in the sections below.
Minnesota health insurance facts
- Marketplace
- Minnesota runs its own state-based marketplace, MNsure.Source
- 2027 open enrollment
- Confirm the 2027 Open Enrollment dates with MNsure.Source All states' 2027 dates.
- Medicaid expansion
- Minnesota adopted Medicaid expansion (Medical Assistance, implemented January 1, 2014).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.
Average cost of health insurance in Minnesota for 2027
The benchmark plan, the second-lowest-cost silver plan that tax credits are measured against, averages $525 a month for a 40-year-old in Minnesota for 2027, before any credit. That is up 17% from $448 in 2026.Source
2027 benchmark silver price by age in Minnesota
| Age | Per month, before credits |
|---|---|
| 21 | $411 |
| 30 | $466 |
| 40 | $525 |
| 50 | $734 |
| 60 | $1,115 |
| 64 | $1,232 |
Minnesota sets its own age curve. These figures use the CMS default curve, so treat them as estimates.SourceSource Tax credits lower these prices for most buyers. See your own price with the 2027 price checker.
The 2026 Marketplace in Minnesota, in numbers
For 2026, 139,251 Minnesota residents picked a Marketplace plan during Open Enrollment, and 49.5% of them received an advance premium tax credit. The average premium was $639 a month per person before the credit and $437 after it, counting everyone who picked a plan.Source State premium help paid by Minnesota’s own exchange is not included in these figures.
The benchmark plan, the second-lowest-cost silver plan that tax credits are measured against, averaged $448 a month for a 40-year-old in Minnesota in 2026, before any credit.Source
Your own price depends on your age, county, household income and the plan you pick, and you see exact 2027 numbers only on a Marketplace application or a quote. How the pieces fit together is in how much health insurance costs per month.
What our clients paid, by state and kind of plan, is in health insurance cost by state.
Health insurance companies in Minnesota for 2027
Minnesota runs its own exchange, so the 2027 insurers and plans for your ZIP code are listed on MNsure. Private plans sold outside the exchange are a separate list; an advisor can compare both with you.
Cheap health insurance in Minnesota: where the low prices are
Tax credits change the price most. For 2026, 49.5% of Minnesota Marketplace enrollees got a premium tax credit.Source
Minnesota expanded Medicaid, so adults with low incomes may qualify for Medicaid at little or no cost.Source For people who mainly want protection from a large bill, a catastrophic plan can cost less; what our own clients pay is in health insurance cost by state.
Short-term health insurance 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.Source Short-term plans are not Marketplace coverage and do not get tax credits. How they compare with a catastrophic plan is in catastrophic coverage.
Free, impartial help in Minnesota
If you have Medicare or will soon: Minnesota’s State Health Insurance Assistance Program (SHIP) is Minnesota Aging Pathways, 1-800-333-2433.Source SHIPs are federally funded, give objective one-on-one Medicare counseling, and there is no cost to use them.Source
America First Healthcare is a licensed agency, not a SHIP or a Marketplace assister. Use them, us, or both; a second opinion costs you nothing either way.
Who we usually help in Minnesota
New to private coverage? Start with private health insurance in the USA.
- Self-employed and 1099 workers, plus the five coverage alternatives and how the rules differ by state
- Small business owners
- Early retirees bridging to Medicare
- People losing employer coverage
- People who are out of work
- 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.
What a licensed advisor does and how advisors are paid is on talk to a licensed advisor near you.
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 itself; check MNsure directly before you plan around a date.
How much does health insurance cost in Minnesota?
For 2027, the benchmark silver plan for a 40-year-old in Minnesota averages $525 a month before tax credits, up 17% from $448 in 2026 (KFF). In 2026, Minnesota Marketplace enrollees paid $437 a month on average after tax credits ($639 before) (CMS). Your own price depends on your age, county, household income and plan.
What is the average cost of health insurance in Minnesota by age?
For 2027, the benchmark silver plan in Minnesota averages about $466 a month at age 30, $525 at 40, $734 at 50 and $1,115 at 60, before tax credits (KFF benchmark for age 40, other ages on the CMS default age curve; Minnesota sets its own curve, so these are estimates). Most Marketplace buyers pay less after a premium tax credit.
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.
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Free healthcare reviewEducational only. Not medical, legal, or personalized insurance advice. Plans are offered and underwritten by third-party carriers. All states.