Minnesota · ACA Marketplace plans
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.
Facts on this page checked Jan 15, 2026. Sources are listed at the end.
How it works here
ACA Marketplace plans, explained for Minnesota.
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.
Minnesota facts
- Marketplace
- MNsure
- Medicaid expansion
- Adopted
- Uninsured rate
- ~4.0%
Open enrollment 2027
When Minnesota can enroll.
- Most exchanges open
- Nov 1, 2026
- Most exchanges close
- Jan 15, 2027
- MNsure dates
- Set by the state
- Confirm before you rely on a date
Minnesota runs its own exchange. We do not have a state-specific date on file. Confirm with MNsure before you rely on a date. Outside this window, a qualifying life event (a move, a new baby, losing other coverage) can open a Special Enrollment Period.
Medicare is different.Medicare’s annual enrollment runs Oct 15 to Dec 7, 2026. For Medicare help, visit our sister site OLYRON Medicare or Medicare.gov.
Dates checked Oct 15, 2026. Sources: HealthCare.gov: dates and deadlines; CMS statement, Jul 27, 2026.
More in this state
Other coverage in Minnesota.
- Health sharingMember-funded medical cost sharing — not insurance.
- Short-term plansTemporary coverage to bridge a gap — limited benefits.
- MedicareOriginal Medicare, Advantage, and Medigap for 65+ and eligible.
- MedicaidFree or low-cost coverage based on income and household.
- DentalStandalone and bundled dental coverage options.
- VisionEye exams, glasses, and contacts coverage.
- TelehealthVirtual primary and urgent care memberships.
Questions
Good questions, short answers.
When is Open Enrollment in Minnesota?
Minnesota runs its own exchange, MNsure, which sets its own dates. Most exchanges open Nov 1, 2026 and close Jan 15, 2027 for 2027 coverage; confirm the exact dates with MNsure. A qualifying life event (a move, a new baby, losing other coverage) opens a Special Enrollment Period at other times 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.
Sources
- HealthCare.gov — the official ACA Health Insurance Marketplace · reviewed 2026-01-15
- CMS Center for Consumer Information & Insurance Oversight (marketplace types) · reviewed 2026-01-15
- OLYRON HealthMatch editorial methodology — how we source and rate options · reviewed 2026-01-15
Before the rush
Ready to see plans in Minnesota?
A licensed advisor can walk through the options where you live. Free, no obligation.
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