ACA Marketplace plans in Minnesota

Looking for ACA marketplace health insurance in Minnesota? Here is how this coverage lane works specifically for Minnesota residents, what it costs, and how to get it.

Minnesota residents buy ACA Marketplace plans through MNsure. These are comprehensive plans that cover the ten essential health benefits, cannot deny you for a pre-existing condition, and are the only plans eligible for income-based premium tax credits.

Because Minnesota runs a state-based marketplace, you enroll at MNsure. Plans and prices are set at the county level across Minnesota's 87 counties, so two neighbors in different counties can see different options.

Minnesota expanded Medicaid, so if your income is low you may qualify for Medicaid instead of a subsidized plan — the Marketplace will tell you when you apply.

Minnesota runs a state-based marketplace (MNsure). Residents should enroll through MNsure, and plan menus are set at the county level across 87 counties.

Because Minnesota expanded Medicaid, a marketplace application may route lower-income adults to Medicaid instead of a subsidized private plan — that is usually good news for cost.

With an approximate uninsured rate near 4.0% and a population of about 5.7 million, Minnesota shoppers should re-check subsidies each year as income and household size change.

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Frequently asked questions

When is Open Enrollment in Minnesota?
Minnesota follows Marketplace Open Enrollment in late fall for coverage starting January 1; MNsure may set slightly different dates. A qualifying life event opens a Special Enrollment Period any time of year.
Are Minnesota Marketplace plans subsidized?
Yes — premium tax credits are available based on your income and household size, and many enrollees pay under $100/month.
Do I use HealthCare.gov or a state site in Minnesota?
Minnesota uses MNsure, its state-based marketplace — not HealthCare.gov — for enrollment and most subsidy screening.

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