Best Cheap Health Insurance in Minnesota 2019

Find the Cheapest Health Insurance Quotes in Your Area

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In Minnesota, cheap health insurance is available to purchase through the MNSure private health insurance marketplace. Alternatively, if your household income falls below 138% of the federal poverty level, then you would be eligible to receive your health insurance through Medicaid. We recommend starting your health insurance search with the Blue Plus Metro MN HSA Silver $3500 Plan 453 which is the cheapest policy available in nearly half of the state. Another affordable plan is the Peak Individual $3000 HSA Silver but is only sold in 11 Minnesota counties.

Cheapest Health Insurance by Metal Tier

MNSure marketplace plans are available for purchase if you currently do not receive health insurance through an employer or are self-employed.

We researched and compared all the plans offered on the Minnesota health insurance exchange to identify the most affordable option at each level of coverage. Each plan has a deductible, out-of-pocket maximum, and monthly premium that differ according to metal tier. This table should be used to evaluate the plans offered in Minnesota and help you to gauge what tier may fit your financial needs.

Metal tierCheapest planDeductibleOut-of-pocket maximumMonthly cost for a 40-year-old
CatastrophicNorth Memorial Acclaim Catastrophic$7,350$7,350$202.19
BronzePeak Individual $6600 HSA Bronze$6,600$6,600$281.38
SilverPeak Individual $3000 HSA Silver$3,000$6,600$327.22
GoldPeak Individual $1000 w/Copay Gold$1,000$7,350$409.83

Minnesota's health insurance exchange is broken down into four different metal tiers: Catastrophic, Bronze, Silver and Gold. The higher tiers have the most expensive premiums but lower deductibles, which allow for quicker access to coinsurance benefits. For example, the average monthly premium for the cheapest Gold plan is 103% larger than the monthly premium for the Catastrophic policy, but the deductible is $6,350 smaller.

The premium you are required to pay for a policy is determined in large part by your age—as you get older, a higher premium is required to pay for the same level of health insurance. For example, in Minnesota, a 60-year-old would pay on average 112% more for a Silver plan than a 40-year-old, or $495 more per month. The jump in cost is smaller between 21-year-olds and 40-year-olds—$96—since health conditions are much more prevalent among seniors.

Average Cost of Health Insurance MN

Finding the Best Health Insurance Coverage in Minnesota

The best health insurance coverage will depend on your medical and financial situations along with the availability of policies in your county. Minnesota has expanded Medicaid coverage in the state. This allows anyone who has a household income that falls below 138% of the federal poverty line to receive Medicaid coverage.

When deciding on an individual plan, it is vital to evaluate your situation and then choose a plan that has premiums, deductibles, and out-of-pocket maximums that will work for you. Otherwise, you may end up overpaying for unnecessary coverage or committing to pay unaffordable out-of-pocket costs.

Below we have provided a breakdown of the metal tiers and who each policy would best serve.

Gold Plans: Best if You Expect High Medical Costs

Gold plans are the most expensive health insurance policy offered in Minnesota. Although these policies cost the most, the plans have the most affordable deductibles and out-of-pocket expenses. For this reason, Gold plans can be great if you tend to have high medical costs during the year. In this case, you would be able to reach the low deductible very quickly and then begin to receive co-insurance benefits from the plan provider.

Silver Plans: Best for Low-Income or Average Medical Costs

Silver plans are the middle-ground policy on the health insurance marketplace. We recommend beginning your health insurance search with Silver plans, since these plans have affordable premiums along with an attainable deductible. Once the deductible is met, cost-sharing would begin between you and the insurer.

Silver plans are also the only plans on the Minnesota marketplace that are eligible for cost-sharing reductions, which reduce copays, coinsurance and deductibles. You can become eligible for these reductions if you have a household income below 250% of the federal poverty level. Due to these reductions, Silver plans can sometimes provide better benefits than Gold level policies.

Bronze and Catastrophic: Best if You Are Young and Healthy

Bronze and Catastrophic health policies will have the lowest premiums but have the highest deductibles and cost-sharing. This high deductible will require you to pay thousands of dollars before any co-insurance benefits will begin. For this reason, Bronze and Catastrophic policies are best if you are healthy or young and will not incur regular medical costs like monthly prescription drugs. You should also make sure that you're financially able to pay the high deductible in the case of a medical emergency.

All health plans are available for purchase no matter your age except Catastrophic policies, which require you to be under the age of 30 or have an exemption.

Short-Term Health Insurance in Minnesota

Short-term health insurance is available for purchase in Minnesota. Typically, short-term plans can only provide coverage for up to one year but, in Minnesota, short-term health insurance can only last six months. Additionally, plans are issued on a nonrenewable basis.

Federal regulations for short-term policies do not require these plans to cover all the essential benefits. This includes health services like prescription drugs and maternity care. If you need comprehensive coverage, you should not purchase a short-term health insurance policy and instead consider other options, such as the state marketplace.

Find the Cheapest Health Insurance Quotes in Your Area

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Best Cheap Health Insurance Companies in Minnesota

In Minnesota, there are currently four insurers that sell plans through the MNSure marketplace:

  • HMO of Minnesota
  • Medica Insurance Company
  • Group Health Plan Inc.
  • UCare Minnesota

The availability of insurers will change by county, therefore your location will directly impact your coverage options. Out of all of these companies, HMO of Minnesota is the most widely available health insurer in the state.

Cheapest Silver Plan by County

The availability and cost of individual health insurance policies will depend on the county that you live in. As you can see in the table below, the Blue Plus Metro MN HSA Silver $3500 Plan is 21% or $82 more expensive for a 40-year-old in Jackson County than someone the same age Kanabec. It is important to note these differences so that you can find a plan that fits your level of income.

CountyCheapest Silver planPremium adult, age 21Premium adult, age 30Premium adult, age 40Premium adult, age 50Premium adult, age 60
AitkinBlue Plus Metro MN HSA Silver $3500 Plan 453$322.98$366.58$412.77$576.84$876.56
AnokaPeak Individual $3000 HSA Silver$256.04$290.61$327.22$457.29$694.89
BeckerBlue Plus Western MN HSA Silver $3500 Plan 450$375.92$426.67$480.42$671.39$1,020.24
BeltramiBlue Plus Metro MN HSA Silver $3500 Plan 453$322.98$366.58$412.77$576.84$876.56
BentonPeak Individual $3000 HSA Silver$256.04$290.61$327.22$457.29$694.89
Big StoneBlue Plus Metro MN HSA Silver $3500 Plan 453$376.47$427.29$481.13$672.38$1,021.74
Blue EarthBlue Plus Metro MN HSA Silver $3500 Plan 453$364.42$413.62$465.73$650.86$989.04
BrownBlue Plus Metro MN HSA Silver $3500 Plan 453$390.48$443.2$499.04$697.4$1,059.77
CarltonBlue Plus Northeast MN HSA Silver $3500 Plan 481$333.1$378.07$425.7$594.91$904.03
CarverPeak Individual $3000 HSA Silver$256.04$290.61$327.22$457.29$694.89
CassBlue Plus Metro MN HSA Silver $3500 Plan 453$322.98$366.58$412.77$576.84$876.56
ChippewaBlue Plus Metro MN HSA Silver $3500 Plan 453$376.47$427.29$481.13$672.38$1,021.74
ChisagoBlue Plus Metro MN HSA Silver $3500 Plan 453$322.98$366.58$412.77$576.84$876.56
ClayBlue Plus Western MN HSA Silver $3500 Plan 450$375.92$426.67$480.42$671.39$1,020.24
ClearwaterAltru Prime by Medica Silver H S A$300.28$340.81$383.74$536.28$814.94
CookBlue Plus Northeast MN HSA Silver $3500 Plan 481$333.1$378.07$425.7$594.91$904.03
CottonwoodBlue Plus Metro MN HSA Silver $3500 Plan 453$390.48$443.2$499.04$697.4$1,059.77
Crow WingBlue Plus Metro MN HSA Silver $3500 Plan 453$322.98$366.58$412.77$576.84$876.56
DakotaPeak Individual $3000 HSA Silver$256.04$290.61$327.22$457.29$694.89
DodgeBlue Plus Southeast MN HSA Silver $3500 Plan 471$545.58$619.24$697.26$974.41$1,480.71
DouglasBlue Plus Western MN HSA Silver $3500 Plan 450$375.92$426.67$480.42$671.39$1,020.24
FaribaultBlue Plus Metro MN HSA Silver $3500 Plan 453$364.42$413.62$465.73$650.86$989.04
FillmoreBlue Plus Southeast MN HSA Silver $3500 Plan 471$545.58$619.24$697.26$974.41$1480.71
FreebornBlue Plus Southeast MN HSA Silver $3500 Plan 471$545.58$619.24$697.26$974.41$1,480.71
GoodhueBlue Plus Southeast MN HSA Silver $3500 Plan 471$545.58$619.24$697.26$974.41$1,480.71
GrantBlue Plus Western MN HSA Silver $3500 Plan 450$375.92$426.67$480.42$671.39$1,020.24
HennepinPeak Individual $3000 HSA Silver$256.04$290.61$327.22$457.29$694.89
HoustonBlue Plus Southeast MN HSA Silver $3500 Plan 471$545.58$619.24$697.26$974.41$1,480.71
HubbardBlue Plus Metro MN HSA Silver $3500 Plan 453$322.98$366.58$412.77$576.84$876.56
IsantiBlue Plus Metro MN HSA Silver $3500 Plan 453$322.98$366.58$412.77$576.84$876.56
ItascaBlue Plus Northeast MN HSA Silver $3500 Plan 481$333.1$378.07$425.7$594.91$904.03
JacksonBlue Plus Metro MN HSA Silver $3500 Plan 453$390.48$443.2$499.04$697.4$1,059.77
KanabecBlue Plus Metro MN HSA Silver $3500 Plan 453$322.98$366.58$412.77$576.84$876.56
KandiyohiBlue Plus Metro MN HSA Silver $3500 Plan 453$376.47$427.29$481.13$672.38$1,021.74
KittsonAltru Prime by Medica Silver H S A$300.28$340.81$383.74$536.28$814.94
KoochichingBlue Plus Northeast MN HSA Silver $3500 Plan 481$333.1$378.07$425.7$594.91$904.03
Lac Qui ParleBlue Plus Metro MN HSA Silver $3500 Plan 453$376.47$427.29$481.13$672.38$1,021.74
LakeBlue Plus Northeast MN HSA Silver $3500 Plan 481$333.1$378.07$425.7$594.91$904.03
Lake of the WoodsBlue Plus Northeast MN HSA Silver $3500 Plan 481$333.1$378.07$425.7$594.91$904.03
Le SueurBlue Plus Metro MN HSA Silver $3500 Plan 453$364.42$413.62$465.73$650.86$989.04
LincolnBlue Plus Metro MN HSA Silver $3500 Plan 453$390.48$443.2$499.04$697.4$1,059.77
LyonBlue Plus Metro MN HSA Silver $3500 Plan 453$376.47$427.29$481.13$672.38$1,021.74
MahnomenAltru Prime by Medica Silver H S A$300.28$340.81$383.74$536.28$814.94
MarshallAltru Prime by Medica Silver H S A$300.28$340.81$383.74$536.28$814.94
MartinBlue Plus Metro MN HSA Silver $3500 Plan 453$364.42$413.62$465.73$650.86$989.04
McLeodBlue Plus Metro MN HSA Silver $3500 Plan 453$376.47$427.29$481.13$672.38$1,021.74
MeekerBlue Plus Metro MN HSA Silver $3500 Plan 453$376.47$427.29$481.13$672.38$1,021.74
Mille LacsBlue Plus Metro MN HSA Silver $3500 Plan 453$322.98$366.58$412.77$576.84$876.56
MorrisonBlue Plus Metro MN HSA Silver $3500 Plan 453$322.98$366.58$412.77$576.84$876.56
MowerBlue Plus Southeast MN HSA Silver $3500 Plan 471$545.58$619.24$697.26$974.41$1,480.71
MurrayBlue Plus Metro MN HSA Silver $3500 Plan 453$390.48$443.2$499.04$697.4$1,059.77
NicolletBlue Plus Metro MN HSA Silver $3500 Plan 453$364.42$413.62$465.73$650.86$989.04
NoblesBlue Plus Metro MN HSA Silver $3500 Plan 453$390.48$443.2$499.04$697.4$1,059.77
NormanAltru Prime by Medica Silver H S A$300.28$340.81$383.74$536.28$814.94
OlmstedBlue Plus Southeast MN HSA Silver $3500 Plan 471$545.58$619.24$697.26$974.41$1,480.71
Otter TailBlue Plus Western MN HSA Silver $3500 Plan 450$375.92$426.67$480.42$671.39$1,020.24
PenningtonAltru Prime by Medica Silver H S A$300.28$340.81$383.74$536.28$814.94
PineBlue Plus Metro MN HSA Silver $3500 Plan 453$322.98$366.58$412.77$576.84$876.56
PipestoneBlue Plus Metro MN HSA Silver $3500 Plan 453$390.48$443.2$499.04$697.4$1,059.77
PolkAltru Prime by Medica Silver H S A$300.28$340.81$383.74$536.28$814.94
PopeBlue Plus Western MN HSA Silver $3500 Plan 450$375.92$426.67$480.42$671.39$1,020.24
RamseyPeak Individual $3000 HSA Silver$256.04$290.61$327.22$457.29$694.89
Red LakeAltru Prime by Medica Silver H S A$300.28$340.81$383.74$536.28$814.94
RedwoodBlue Plus Metro MN HSA Silver $3500 Plan 453$390.48$443.2$499.04$697.4$1,059.77
RenvilleBlue Plus Metro MN HSA Silver $3500 Plan 453$376.47$427.29$481.13$672.38$1,021.74
RiceBlue Plus Metro MN HSA Silver $3500 Plan 453$364.42$413.62$465.73$650.86$989.04
RockBlue Plus Metro MN HSA Silver $3500 Plan 453$390.48$443.2$499.04$697.4$1,059.77
RoseauBlue Plus Metro MN HSA Silver $3500 Plan 453$322.98$366.58$412.77$576.84$876.56
ScottPeak Individual $3000 HSA Silver$256.04$290.61$327.22$457.29$694.89
SherburnePeak Individual $3000 HSA Silver$256.04$290.61$327.22$457.29$694.89
SibleyBlue Plus Metro MN HSA Silver $3500 Plan 453$376.47$427.29$481.13$672.38$1,021.74
St. LouisBlue Plus Northeast MN HSA Silver $3500 Plan 481$333.1$378.07$425.7$594.91$904.03
StearnsPeak Individual $3000 HSA Silver$256.04$290.61$327.22$457.29$694.89
SteeleBlue Plus Southeast MN HSA Silver $3500 Plan 471$545.58$619.24$697.26$974.41$1,480.71
StevensBlue Plus Western MN HSA Silver $3500 Plan 450$375.92$426.67$480.42$671.39$1,020.24
SwiftBlue Plus Metro MN HSA Silver $3500 Plan 453$376.47$427.29$481.13$672.38$1,021.74
ToddBlue Plus Metro MN HSA Silver $3500 Plan 453$322.98$366.58$412.77$576.84$876.56
TraverseBlue Plus Western MN HSA Silver $3500 Plan 450$375.92$426.67$480.42$671.39$1,020.24
WabashaBlue Plus Southeast MN HSA Silver $3500 Plan 471$545.58$619.24$697.26$974.41$1,480.71
WadenaBlue Plus Metro MN HSA Silver $3500 Plan 453$322.98$366.58$412.77$576.84$876.56
WasecaBlue Plus Metro MN HSA Silver $3500 Plan 453$364.42$413.62$465.73$650.86$989.04
WashingtonPeak Individual $3000 HSA Silver$256.04$290.61$327.22$457.29$694.89
WatonwanBlue Plus Metro MN HSA Silver $3500 Plan 453$364.42$413.62$465.73$650.86$989.04
WilkinBlue Plus Western MN HSA Silver $3500 Plan 450$375.92$426.67$480.42$671.39$1,020.24
WinonaBlue Plus Southeast MN HSA Silver $3500 Plan 471$545.58$619.24$697.26$974.41$1,480.71
WrightPeak Individual $3000 HSA Silver$256.04$290.61$327.22$457.29$694.89
Yellow MedicineBlue Plus Metro MN HSA Silver $3500 Plan 453$376.47$427.29$481.13$672.38$1,021.74

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