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Individual Health Insurance in Minnesota 2026
Compare U65 private, ACA marketplace, and off-exchange plans in Minnesota. Licensed agents compare all carriers at no cost. Call 888-828-5064.
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Quick Answer: Individual health insurance in Minnesota costs $165 to $510 per month for a U65 private plan and $250 to $740 per month for an unsubsidized ACA plan in 2026. For healthy Minnesota residents above the $60,240 ACA subsidy threshold, U65 private plans from UnitedHealthcare, Aetna, and Medica typically cost 20 to 40 percent less. Call 888-828-5064 for a free multi-carrier Minnesota comparison.
📊 According to KFF Health Policy, Minnesota has consistently maintained one of the lower uninsured rates in the country due to its strong Medicaid expansion program and competitive ACA marketplace. However, the state also has a significant population of self-employed and high-income professionals who earn above the subsidy threshold and benefit from U65 private plan options.
Individual Health Insurance Options in Minnesota
| Plan Type | Monthly Cost | Enrollment | Key Minnesota Carriers |
|---|---|---|---|
| U65 Private Plan | $165 to $510 | Year-round, any day | UnitedHealthcare, Aetna, Medica (off-exchange) |
| MNsure (ACA marketplace) | $0 to $650 with subsidy | Open enrollment or SEP | UCare, HealthPartners, Medica, Blue Plus (BCBS MN) |
| Minnesota Medicaid | Free to low cost | Year-round | Minnesota Medicaid (Medical Assistance) |
Minnesota operates MNsure as its state ACA exchange. Minnesota expanded Medicaid in 2014. Adults earning up to 138 percent of the FPL qualify for Medical Assistance (Minnesota Medicaid). MinnesotaCare provides subsidized coverage for adults earning 138 to 200 percent of FPL who do not qualify for Medicaid. Per Minnesota DHS, enrollment is available year-round.
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A licensed HealthPlusLife agent compares all available Minnesota plans from multiple carriers in one 10-minute free call. Call 888-828-5064 | TTY 711 | Free quote.
U65 Private Health Insurance Costs in Minnesota
| Age | U65 Private Monthly (MN) | ACA Unsubsidized Monthly | Annual Savings with U65 |
|---|---|---|---|
| 30 | $165 to $255 | $275 to $400 | Up to $1,620/yr |
| 40 | $225 to $365 | $325 to $480 | Up to $1,860/yr |
| 50 | $325 to $495 | $450 to $660 | Up to $1,980/yr |
| 60 | $435 to $645 | $640 to $950 | Up to $2,580/yr |
Minnesota is a strong market for U65 private plans, particularly in the Twin Cities metro and the broader Minneapolis-Saint Paul region where there is a large concentration of self-employed technology, finance, and healthcare professionals. The competitive carrier market in Minnesota means we consistently find strong off-exchange options for healthy adults above the subsidy threshold.
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Minnesota Cities and Counties We Serve
HealthPlusLife serves all 87 Minnesota counties including Minneapolis, Saint Paul, Rochester, Duluth, Bloomington, Brooklyn Park, Plymouth, Saint Cloud, Eagan, Woodbury, Coon Rapids, and all surrounding Minnesota communities.
Related State and Individual Plan Guides
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