Paige Cerulli Last Updated On: September 7, 2023

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Find Affordable Health Insurance in Minnesota

A good health insurance plan will provide the coverage you need at a price that’s within your budget, but choosing from all of the available plans can be overwhelming. That’s why we’ve included the essential information you need to find affordable health insurance in Michigan.

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Table of Contents

The Average Cost of Health Insurance in Minnesota

The average cost of health insurance in Minnesota partially depends on the plan tier that you choose. Bronze, Silver, Gold, and Platinum tiers are available. Bronze plans have some of the most affordable premiums, but they have high deductibles when you do need care. Gold plans have more expensive premiums, but lower deductibles.

 Average Premium for Health Insurance in Minnesota
Most Affordable Bronze Plan$287
Most Affordable Silver Plan$328
Most Affordable Gold Plan$376


If you have access to an employer-sponsored health insurance plan, you might find that it’s more affordable than other available plans. The average annual premium for an employer-sponsored plan in Minnesota is $1,490.

Other factors, including your age, health status, location, and the number of dependents on your policy will also affect your premium costs. Since costs can vary so significantly depending on your unique situation, getting a personalized quote can give you the most accurate idea of what you will pay for insurance.

Types of Minnesota Health Insurance Plans

As you shop for health insurance in Michigan, you’ll be able to choose from many plan types. Here are some of the most common types of health insurance that you’ll see:

  • Health Maintenance Organization (HMO) plans have lower premiums and deductibles, but they only cover care from in-network providers. You’ll also be required to have a primary care physician.
  • Preferred Provider Organization (PPO) plans give you more flexibility, allowing you to receive care from out-of-network providers. You also aren’t required to have a primary care. PPO plans have more expensive premiums and deductibles compared to HMO plans.
  • Exclusive Provider Organization (EPO) plans will only cover care from in-network providers, but their premiums and deductibles are lower. You also aren’t required to have a primary care physician.

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Cheap Health Insurance Plans in Minnesota

In addition to standard health insurance plans, there are several health insurance options in Minnesota for low-income residents.

Minnesota Medicaid

MinnesotaCare, the Minnesota Medicaid program, is available for low or very low-income individuals. This insurance coverage helps to pay for routine medical appointments, hospital stays, and more. To qualify, individuals cannot make more than $18,075 per year, and a family of four can’t make more than $36,908 per year.

Minnesota CHIP

The Minnesota CHIP program is available for children who cannot be on a family plan or afford an individual health insurance policy. This program helps to cover expenses like routine doctor visits, mental health service, medications, and more.

Minnesota Medicare

The Minnesota Medicare program is available in several parts with different coverages, like prescription medication, medical equipment, and preventive care. To qualify, residents must be over age 65 or have a qualifying disability.

How to Get Health Insurance in Minnesota

Taking the time to shop around and compare health insurance quotes can help you to save money and find a plan that offers the specific types of coverage that you and your family need. To get started, you can get a free, personalized quote from ConsumerCoverage to see the types of available plans and their prices. 

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Paige Cerulli Paige Cerulli is a freelance content writer and journalist who specializes in personal finance topics. She graduated from Westfield State University and brings more than a decade of professional writing experience to the ConsumerCoverage team. Paige’s work has appeared in outlets including USA Today, Business Insider, and more.

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