Medica provides the cheapest overall health insurance in Minnesota, with an average monthly premium of $234. Availability can vary, so check out Blue Plus, Health First, UCare and PreferredOne for some of the most affordable health plans in the state.
Most Affordable Health Insurance in Minnesota
Updated: June 9, 2025
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Key Takeaways
Medica provides Minnesota's most affordable health insurance, saving policyholders an average of $310 per month compared to the state average.
Medica offers top-rated full coverage Gold plans, with affordable pricing starting at $382 monthly.
Finding the cheapest health insurance starts with selecting a coverage level within your budget, checking your subsidy eligibility and comparing plans from several companies.
Most Affordable Health Insurance Companies in Minnesota
| Medica | $234 | $310 |
| Blue Plus | $261 | $282 |
*These plans reflect rates for 40-year-olds who are not considered low-income.
Cheapest Minnesota Health Insurance Plans by Profile
While we've summarized the cheapest companies for most in Minnesota, the most affordable plan for you will differ widely depending on your desired coverage tier and age. Below are the cheapest companies by category for most in the area:
- Cheapest For Young Adults: Medica ($249 monthly)
- Cheapest For Seniors: Medica ($659 monthly)
- Cheapest Bronze Plan: Medica ($270 monthly)
- Cheapest Silver Plan: Medica ($311 monthly)
- Cheapest Gold Plan: Medica ($382 monthly)
While these are a good measure of the most affordable plans, they only represent the cheapest for 40-year-olds (26-year-olds for young adults and 60 for seniors), and your cheapest company and plan may differ for your profile. So below, we've created a filterable table that you can modify by plan tier and age to find your lowest rate match.
Data filtered by:Results filtered by:
Select
Plan Level:Silver
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Age:40
| Medica | Bold by M Health Fairview and Medica Silver $0 Copay PCP Visits | $311 | $141 | $8,500 |
Cheapest Health Insurance Plans by County in Minnesota
While Blue Plus is the cheapest provider overall, UCare offers competitive affordability and availability for Silver plans in most counties. Below, you can review which company and plan are most affordable in your area.
| Aitkin | UCare Minnesota | $338 | UCare Silver HSA |
| Anoka | UCare Minnesota | $302 | UCare M Health Fairview Silver HSA |
| Becker | UCare Minnesota | $338 | UCare Silver HSA |
| Beltrami | UCare Minnesota | $338 | UCare Silver HSA |
| Benton | UCare Minnesota | $302 | UCare M Health Fairview Silver HSA |
| Big Stone | UCare Minnesota | $338 | UCare Silver HSA |
| Blue Earth | UCare Minnesota | $338 | UCare Silver HSA |
| Brown | UCare Minnesota | $338 | UCare Silver HSA |
| Carlton | UCare Minnesota | $338 | UCare Silver HSA |
| Carver | UCare Minnesota | $302 | UCare M Health Fairview Silver HSA |
| Cass | UCare Minnesota | $338 | UCare Silver HSA |
| Chippewa | UCare Minnesota | $338 | UCare Silver HSA |
| Chisago | UCare Minnesota | $338 | UCare Silver HSA |
| Clay | UCare Minnesota | $338 | UCare Silver HSA |
| Clearwater | UCare Minnesota | $338 | UCare Silver HSA |
| Cook | UCare Minnesota | $338 | UCare Silver HSA |
| Cottonwood | UCare Minnesota | $338 | UCare Silver HSA |
| Crow Wing | UCare Minnesota | $338 | UCare Silver HSA |
| Dakota | UCare Minnesota | $302 | UCare M Health Fairview Silver HSA |
| Douglas | UCare Minnesota | $338 | UCare Silver HSA |
| Faribault | UCare Minnesota | $338 | UCare Silver HSA |
| Grant | UCare Minnesota | $338 | UCare Silver HSA |
| Hennepin | UCare Minnesota | $302 | UCare M Health Fairview Silver HSA |
| Hubbard | UCare Minnesota | $338 | UCare Silver HSA |
| Isanti | UCare Minnesota | $338 | UCare Silver HSA |
| Itasca | UCare Minnesota | $338 | UCare Silver HSA |
| Jackson | UCare Minnesota | $338 | UCare Silver HSA |
| Kanabec | UCare Minnesota | $338 | UCare Silver HSA |
| Kandiyohi | UCare Minnesota | $338 | UCare Silver HSA |
| Kittson | UCare Minnesota | $338 | UCare Silver HSA |
| Koochiching | UCare Minnesota | $338 | UCare Silver HSA |
| Lac Qui Parle | UCare Minnesota | $338 | UCare Silver HSA |
| Lake | UCare Minnesota | $338 | UCare Silver HSA |
| Lake of the Woods | UCare Minnesota | $338 | UCare Silver HSA |
| Le Sueur | UCare Minnesota | $338 | UCare Silver HSA |
| Lincoln | UCare Minnesota | $338 | UCare Silver HSA |
| Lyon | UCare Minnesota | $338 | UCare Silver HSA |
| Mahnomen | UCare Minnesota | $338 | UCare Silver HSA |
| Marshall | UCare Minnesota | $338 | UCare Silver HSA |
| Martin | UCare Minnesota | $338 | UCare Silver HSA |
| McLeod | UCare Minnesota | $338 | UCare Silver HSA |
| Meeker | UCare Minnesota | $338 | UCare Silver HSA |
| Mille Lacs | UCare Minnesota | $338 | UCare Silver HSA |
| Morrison | UCare Minnesota | $338 | UCare Silver HSA |
| Murray | UCare Minnesota | $338 | UCare Silver HSA |
| Nicollet | UCare Minnesota | $338 | UCare Silver HSA |
| Nobles | UCare Minnesota | $338 | UCare Silver HSA |
| Norman | UCare Minnesota | $338 | UCare Silver HSA |
| Otter Tail | UCare Minnesota | $338 | UCare Silver HSA |
| Pennington | UCare Minnesota | $338 | UCare Silver HSA |
| Pine | UCare Minnesota | $338 | UCare Silver HSA |
| Pipestone | UCare Minnesota | $338 | UCare Silver HSA |
| Polk | UCare Minnesota | $338 | UCare Silver HSA |
| Pope | UCare Minnesota | $338 | UCare Silver HSA |
| Ramsey | UCare Minnesota | $302 | UCare M Health Fairview Silver HSA |
| Red Lake | UCare Minnesota | $338 | UCare Silver HSA |
| Redwood | UCare Minnesota | $338 | UCare Silver HSA |
| Renville | UCare Minnesota | $338 | UCare Silver HSA |
| Rice | UCare Minnesota | $338 | UCare Silver HSA |
| Rock | UCare Minnesota | $338 | UCare Silver HSA |
| Roseau | UCare Minnesota | $338 | UCare Silver HSA |
| Scott | UCare Minnesota | $302 | UCare M Health Fairview Silver HSA |
| Sherburne | UCare Minnesota | $302 | UCare M Health Fairview Silver HSA |
| Sibley | UCare Minnesota | $338 | UCare Silver HSA |
| St. Louis | UCare Minnesota | $338 | UCare Silver HSA |
| Stearns | UCare Minnesota | $302 | UCare M Health Fairview Silver HSA |
| Stevens | UCare Minnesota | $338 | UCare Silver HSA |
| Swift | UCare Minnesota | $338 | UCare Silver HSA |
| Todd | UCare Minnesota | $338 | UCare Silver HSA |
| Traverse | UCare Minnesota | $338 | UCare Silver HSA |
| Wadena | UCare Minnesota | $338 | UCare Silver HSA |
| Waseca | UCare Minnesota | $338 | UCare Silver HSA |
| Washington | UCare Minnesota | $302 | UCare M Health Fairview Silver HSA |
| Watonwan | UCare Minnesota | $338 | UCare Silver HSA |
| Wilkin | UCare Minnesota | $338 | UCare Silver HSA |
| Wright | UCare Minnesota | $302 | UCare M Health Fairview Silver HSA |
| Yellow Medicine | UCare Minnesota | $338 | UCare Silver HSA |
How to Find the Cheapest Health Insurance in Minnesota
Follow these steps to find affordable health insurance in Minnesota:
- 1
Determine what coverage plan you need and can afford
Your coverage plan type and tier will differ widely depending on your personal health circumstances and income. Calculate how much income you can set aside for monthly premiums, considering your current health and risk for injury or disease based on location, age and lifestyle.
- 2
Find out your subsidy eligibility
People earning between $14,580 and $54,000 may qualify for premium tax credits, reducing costs by 40% to 100%. Those with incomes below 250% of the Federal Poverty Level ($36,450) can access cost-sharing reductions, decreasing out-of-pocket expenses up to 73%.
- 3
Consider federal programs if old enough
If you are eligible, explore Medicare Advantage plans and Medicare Supplement plans. These programs are often more affordable than traditional health insurance and offer more flexible coverage options.
- 4
Review prescription formularies
Review prescription coverages for medications you regularly take. Some insurers place common medications on lower tiers with reduced copays compared to competitors, potentially saving you hundreds annually.
- 5
Compare plans during Open Enrollment
Open Enrollment is from November 1 to January 15. You might also qualify for Special Enrollment under certain life events like job loss, divorce or childbirth. Assess the types of coverage, customer ratings, costs and provider availability to ensure you choose the right plan.
MONEYGEEK TIP: MAKE SURE TO APPLY PROMPTLY
To avoid technical issues, apply for coverage at least five days before the enrollment deadline. Prepare your income verification, Social Security numbers and immigration documents to ensure a smooth application process.
Most Affordable Health Insurance in Minnesota: Bottom Line
Minnesota's most affordable health insurance companies are Medica and Blue Plus. While we recommend these options, you should compare as many plan types and tier quotes as possible from multiple companies to get the best deal.
Cheap Minnesota Health Insurance: FAQ
Below are frequently asked questions about finding affordable health insurance in Minnesota:
What is the cheapest health insurance in Minnesota?
Medica provides the cheapest health insurance in Minnesota, with Silver plans starting at $234 monthly for 40-year-olds. Explore alternatives with Blue Plus and others for potential savings based on your circumstances.
What are the downsides of a cheap health insurance plan?
Compared to higher-priced plans, cheap health insurance has higher out-of-pocket costs, including deductibles and copays. More expensive plans reduce out-of-pocket expenses and offer more extensive health care coverage.
How We Decided the Cheapest Health Insurance Companies in Minnesota
MoneyGeek obtained data directly from the Centers for Medicare and Medicaid Services (CMS) on available health insurance plans in Minnesota based on consumers aged 18, 26, 40, 50 and 60.
We considered the cheapest overall to be those with the lowest monthly premium costs for 40-year-olds, as most in the state are near this age demographic, and for simplicity. However, cheaper plans tend to have higher out-of-pocket maximums and deductibles, meaning you may pay more if you receive care.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.