Best Health Insurance in Minnesota (2026)

Key Takeaways

UCare Minnesota is the top health insurance provider in Minnesota for HMO plans, offering Bronze, Silver and Gold coverage.

UCare Minnesota is the cheapest health insurance in Minnesota, with Silver-tier HMO plans averaging $522 per month.

Compare quotes from multiple insurers, review coverage limits and deductibles and verify your doctors accept the plan before enrolling.

Best Health Insurance Companies in Minnesota

UCare Minnesota offers the best health insurance in Minnesota for HMO plans, with Silver-tier coverage averaging $552 monthly. Blue Cross Blue Shield leads PPO options for those wanting network flexibility, while Medica offers the best EPO plans. Consider premium rates, deductibles, out-of-pocket costs and network restrictions when choosing your plan.


UCare Minnesota	$552	$9,412	$4,368	5	HMO
Blue Cross Blue Shield	$549	$9,200	$4,500	4.5	PPO
Medica	$605	$8,500	$3,700	5	EPO

*Our picks reflect the best companies for 40-year-olds seeking Silver-tier plans. Rates vary by age, coverage level and location.

UCare Minnesota

MoneyGeek Rating

5/ 5

5/5Affordability

5/5Deductible

5/5MOOP

Average Monthly Rate
$552
Average MOOP
$9,412
Average Deductible
$4,368

pros
- Cheapest statewide across all metal tiers
- HSA-eligible Silver plan options
- Lower deductibles on Gold plans starting at $1,735
cons
- Limited to HMO networks only
- Bronze plans carry high deductibles exceeding $8,000 annually
UCare Minnesota offers HMO plans across Bronze, Silver and Gold tiers with pricing that varies based on plan design. A 40-year-old pays between $339 and $487 monthly for Bronze coverage, which comes with higher $8,024 deductibles but caps out-of-pocket costs at $9,607. Silver plans range from $363 to $552 monthly with moderate deductibles of $3,500 to $4,368. Gold options cost $646 per month and feature lower $1,735 deductibles.

UCare Minnesota health insurance plans for 2026:

Data filtered by:


UCare M Health Fairview Bronze HSA	$368	HMO	Bronze	$8,500	$8,500	Yes
UCare M Health Fairview Bronze	$384	HMO	Bronze	$10,150	$7,500	Yes
UCare Bronze HSA	$470	HMO	Bronze	$8,500	$8,500	Yes
UCare Bronze	$490	HMO	Bronze	$10,150	$7,500	Yes
UCare Easy Compare Bronze	$509	HMO	Bronze	$9,700	$7,500	Yes
UCare Bronze Access	$507	HMO	Bronze	$10,150	$8,600	Yes

Blue Cross Blue Shield

MoneyGeek Rating

4.5/ 5

5/5Affordability

2.5/5Deductible

5/5MOOP

Average Monthly Rate
$549
Average MOOP
$9,200
Average Deductible
$4,500

pros
- HSA-eligible plans offering tax-advantaged savings
- $3,400 deductible with Gold plan
- Greater provider choice through PPO network access
cons
- Only offers PPO plans
- No Platinum-tier plans
Blue Cross Blue Shield is our top choice for PPO plans in Minnesota, with competitive pricing across all metal tiers. Their Gold PPO plan is a standout option at just $565 per month with a reasonable $3,400 deductible and $5,600 out-of-pocket maximum. It's also HSA-eligible, giving you added tax advantages. Whether you're looking at Bronze, Silver or Gold coverage, Blue Cross Blue Shield delivers the winning combination of affordability and comprehensive benefits that Minnesota residents need.

Blue Cross Blue Shield health insurance plans for 2026:

Data filtered by:


Blue Plus Metro MN HSA Bronze Plan 458	$375	PPO	Bronze	$8,500	$8,500	Yes
Blue Plus Minnesota Value HSA Bronze Plan 400	$433	PPO	Bronze	$8,500	$8,500	Yes
Blue Plus Minnesota Value Bronze Plan 403	$451	PPO	Bronze	$10,600	$5,800	Yes
Blue Plus Southeast MN HSA Bronze Plan 470	$554	PPO	Bronze	$8,500	$8,500	Yes
Blue Plus Easy Compare Bronze Blue Plus Minnesota Value Plan 408	$465	PPO	Bronze	$9,700	$7,500	Yes
Blue Plus Metro MN Bronze Plan 459	$397	PPO	Bronze	$10,600	$7,750	Yes
Blue Plus Minnesota Value Bronze Plan 406	$458	PPO	Bronze	$10,600	$7,750	Yes
Blue Plus Easy Compare Bronze Blue Plus Southeast MN Plan 474	$595	PPO	Bronze	$9,700	$7,500	Yes

MEDICA

MoneyGeek Rating

5/ 5

5/5Affordability

5/5Deductible

5/5MOOP

Average Monthly Rate
$605
Average MOOP
$8,500
Average Deductible
$3,700

pros
- Low $1,750 deductible on Gold plan
- HSA-eligible Silver plan option
- Competitive premiums for low-income enrollees
cons
- Maximum out-of-pocket costs reach $9,951 on Bronze plans
- EPO plans limit provider flexibility compared to PPO and HMO plans
Medica is the best health insurance provider in Minnesota for EPO plans, with Bronze, Silver and Gold options. The insurer's Gold EPO plans average $693 monthly with a low $1,750 deductible, while their Silver EPO options start at $601 monthly for low-income enrollees and increase to $605 for an HSA-eligible option. Bronze EPO coverage is available for $494 monthly. With maximum out-of-pocket costs ranging from $8,500 to $9,951, depending on metal tier, Medica balances competitive premiums with comprehensive financial protection.

Medica health insurance plans for 2026:

Data filtered by:


Bold by M Health Fairview and Medica Bronze Share Plus Metro	$363	EPO	Bronze	$10,600	$5,000	Yes
North Memorial Acclaim by Medica Bronze Share Plus Metro	$365	EPO	Bronze	$10,600	$5,000	Yes
Bold by M Health Fairview and Medica Bronze HSA	$390	EPO	Bronze	$8,500	$7,500	Yes
North Memorial Acclaim by Medica Bronze HSA	$391	EPO	Bronze	$8,500	$7,500	Yes
Essentia Choice Care with Medica Bronze Share Plus	$427	EPO	Bronze	$10,600	$5,000	Yes
Medica Applause Bronze Share Plus Metro	$438	EPO	Bronze	$10,600	$5,000	Yes
Essentia Choice Care with Medica Bronze HSA	$448	EPO	Bronze	$8,500	$7,500	Yes
Medica Applause Bronze Share Plus	$507	EPO	Bronze	$10,600	$5,000	Yes
Medica Easy Compare Bronze Bold by M Health Fairview	$384	EPO	Bronze	$9,700	$7,500	Yes
Medica Easy Compare Bronze North Memorial Acclaim	$386	EPO	Bronze	$9,700	$7,500	Yes
Engage by Medica Bronze Share Plus	$555	EPO	Bronze	$10,600	$5,000	Yes
Medica Applause Bronze HSA	$525	EPO	Bronze	$8,500	$7,500	Yes
Engage by Medica Bronze HSA	$583	EPO	Bronze	$8,500	$7,500	Yes
Bold by M Health Fairview and Medica Bronze $0 Copay PCP Visits	$377	EPO	Bronze	$10,600	$7,500	Yes
Bold by M Health Fairview and Medica Bronze Copay (First 3)	$379	EPO	Bronze	$10,600	$7,500	Yes
North Memorial Acclaim by Medica Bronze $0 Copay PCP Visits	$379	EPO	Bronze	$10,600	$7,500	Yes
North Memorial Acclaim by Medica Bronze Copay (First 3)	$380	EPO	Bronze	$10,600	$7,500	Yes
Medica Easy Compare Bronze Essentia Choice Care	$441	EPO	Bronze	$9,700	$7,500	Yes
Essentia Choice Care with Medica Bronze $0 Copay PCP Visits	$434	EPO	Bronze	$10,600	$7,500	Yes
Essentia Choice Care with Medica Bronze Copay (First 3)	$435	EPO	Bronze	$10,600	$7,500	Yes
Medica Easy Compare Bronze Applause	$517	EPO	Bronze	$9,700	$7,500	Yes
Medica Easy Compare Bronze Engage by Medica	$574	EPO	Bronze	$9,700	$7,500	Yes
Medica Applause Bronze Copay (First 3)	$486	EPO	Bronze	$10,600	$7,500	Yes
Medica Applause Bronze $0 Copay PCP Visits	$508	EPO	Bronze	$10,600	$7,500	Yes
Engage by Medica Bronze $0 Copay PCP Visits	$564	EPO	Bronze	$10,600	$7,500	Yes
Engage by Medica Bronze Copay (First 3)	$566	EPO	Bronze	$10,600	$7,500	Yes

Best Minnesota Health Insurance by Category

Minnesota health insurance prices vary by age and network type. Silver-tier plan comparisons show clear category leaders:

By Age:

Teens (18): Blue Cross Blue Shield PPO ($382 monthly), UCare Minnesota HMO ($384), Medica EPO ($418)
Young adults (26): Blue Cross Blue Shield PPO ($440 monthly), UCare Minnesota HMO ($442), Medica EPO ($481)
Adults (40): Blue Cross Blue Shield PPO ($549 monthly), UCare Minnesota HMO ($552), Medica EPO ($601)
Seniors (60): Blue Cross Blue Shield PPO ($1,165 monthly), UCare Minnesota HMO ($1,172), Medica EPO ($1,275)

By Network Type (40-year-olds):

PPO: Blue Cross Blue Shield offers the lowest rates at $549 monthly
HMO: UCare Minnesota provides affordable coverage at $552 monthly
EPO: Medica delivers Silver-tier benefits for $601 monthly

Compare Health Insurance Companies in Minnesota

Monthly premiums, deductibles and out-of-pocket maximums vary significantly across metal tiers and providers. This table compares Minnesota health plans by age, coverage level and HSA eligibility.

Data filtered by:


UCare Minnesota	$552	HMO	Silver	$9,412	$4,368	40	No

*Some providers offer multiple plans of the same type and tier. Rates are based on company averages across all available plans for the given age, plan type and metal tier.

How to Find the Best Health Insurance in Minnesota

Finding the right health insurance in Minnesota involves evaluating your coverage needs, researching insurer reliability and exploring available enrollment paths.

Decide on your coverage needs before buying

Weigh monthly premiums against out-of-pocket maximums before choosing a plan. If you visit doctors frequently, higher premiums with lower out-of-pocket limits often save money long-term. For those rarely needing care, lower-premium plans with higher deductibles may work better. Review HMO, PPO and EPO plan types to understand network flexibility and referral requirements.

Compare company offerings and reputations

Research which plans insurers offer in your area and compare coverage details. Check company reputations through J.D. Power ratings and state complaint databases to verify claims handling and customer service quality. Plan availability varies by region, so confirm your preferred providers are included in network options.

Shop around

Health plan rates in Minnesota vary based on age, plan type and coverage level. Open Enrollment runs from November 1 through January 15. Special Enrollment applies after qualifying life events like job loss, marriage, divorce or having a child. Compare quotes from multiple insurers since pricing and benefits differ between companies.

Take advantage of federal programs and subsidies

Minnesota residents may qualify for federal subsidies, Medical Assistance (Medicaid) or Medicare based on income, age or health conditions. Some individuals may be eligible for $0 premium plans, depending on their household income. Medicare-eligible residents can explore Medicare Supplement and Medicare Advantage plans for additional coverage options beyond Original Medicare.

Average Health Insurance Cost in Minnesota

Health insurance costs in Minnesota change based on plan type, metal tier, age and location. PPO plans offer the cheapest coverage in the state at $459 monthly for Bronze plans and $646 forGold plans. HMO plans are the second cheapest, with Bronze at $487 and Gold at $646. EPO plans are the most expensive plan type in Minnesota, which may be necessary if your preferred doctors are in the EPO network.


EPO	$494	$603	$693
HMO	$487	$537	$646
PPO	$459	$529	$591

*Average monthly premiums for 40-year-olds in Minnesota by plan type. Rates vary by age and location.

Best Health Insurance in Minnesota: Bottom Line

UCare Minnesota, Blue Cross Blue Shield and Medica are the top health insurance companies in Minnesota. Your best plan depends on your age, budget, health needs and network preferences. Get quotes from multiple insurers to compare premiums, deductibles and out-of-pocket maximums before choosing coverage.

Best Minnesota Health Insurance: FAQ

Answers to frequently asked questions about the best health insurance in Minnesota:

Is health insurance required in Minnesota?

Yes, Minnesota requires residents to have health insurance or face a state tax penalty when filing taxes. The state reinstated its individual mandate in 2019. Common exemptions include financial hardship, religious objections and short coverage gaps. Minnesota offers state-based subsidies through MNsure to help make coverage more affordable for qualifying residents.

When is open enrollment in Minnesota?

Minnesota's open enrollment for 2026 health coverage begins November 1, 2025, and ends January 31, 2026. You must select your plan by December 31, 2025, to start coverage on January 1, 2026.

Can you get free health insurance in Minnesota?

Yes, Minnesota residents can get free health insurance through Medical Assistance (Medicaid) if they meet income requirements. Many others qualify for premium tax credits through MNsure, the state's marketplace, which can reduce monthly costs to zero or make coverage very affordable.

How We Chose the Best Health Insurance in Minnesota

Our rankings prioritize factors that impact costs: monthly premiums, out-of-pocket maximums and deductibles.

Scoring methodology:

Monthly premium (60%): Plans with the cheapest average monthly costs receive top ratings.
Maximum out-of-pocket (MOOP) score (20%): MOOP is the most you'll spend on healthcare in a year beyond premiums. Insurers with lower MOOP limits score better.
Deductible (20%): This amount must be paid before insurance begins covering costs. Plans with smaller deductibles earn higher ratings.

We normalized provider scores within each filter category. When analyzing Silver-tier HMO plans, the top-rated provider receives 5 out of 5, with remaining providers scored proportionally.

MoneyGeek analyzed all available 2026 Minnesota health insurance plans for consumers aged 18, 26, 40, 50 and 60. Unless noted otherwise, monthly premiums reflect rates for 40-year-olds. Analysis includes Catastrophic, Bronze, Expanded Bronze, Silver, Gold and Platinum metal tiers.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

Read Full Bio »

Best Health Insurance in Minnesota (2026)

Best Health Insurance Companies in Minnesota

Best Minnesota Health Insurance by Category

Compare Health Insurance Companies in Minnesota

How to Find the Best Health Insurance in Minnesota

Average Health Insurance Cost in Minnesota

Best Health Insurance in Minnesota: Bottom Line

Best Minnesota Health Insurance: FAQ

Is health insurance required in Minnesota?

When is open enrollment in Minnesota?

Can you get free health insurance in Minnesota?

How We Chose the Best Health Insurance in Minnesota

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