Compare affordable ACA and private health insurance plans in Minnesota for 2026 through MNsure. Top carriers, metro pricing, and a Minnesota-licensed agent — free.
We are not a Minnesota state agency, not HealthCare.gov, and not affiliated with any government marketplace. Health Enrollment Center is operated by Sprinter Insurance Agency LLC.
Minnesota runs its own marketplace, MNsure, which doubles as the single application for private plans, MinnesotaCare and Medical Assistance. What makes Minnesota distinct is MinnesotaCare — a Basic Health Program that covers residents from roughly 138% to 200% of the poverty line at low cost. Because that program picks up so many lower-income people, subsidized private-plan eligibility generally starts above 200% FPL, and only about 46% of MNsure private enrollees take a premium tax credit — lower than most states, by design.
About 139,000 residents are in MNsure private plans for 2026. The carriers are Blue Cross and Blue Shield of Minnesota, HealthPartners, Medica, UCare and Quartz. The Twin Cities market is deep — M Health Fairview, Allina, HealthPartners and Hennepin Healthcare — while Rochester is essentially the Mayo Clinic.
We're licensed in Minnesota and quote its carriers directly. Below is how coverage works here — including where MinnesotaCare ends and subsidized private plans begin — plus the metros and situations we help with most.
Minnesota runs its own exchange, MNsure, which is also the single application for private plans, MinnesotaCare and Medical Assistance — so residents enroll through the state.
Minnesota expanded Medicaid (Medical Assistance) and also runs MinnesotaCare, a Basic Health Program for residents roughly 138–200% of the poverty line — so subsidized private-plan eligibility generally starts above 200% FPL, higher than in most states.
These companies offer individual and family health plans in Minnesota. We're an independent agency, not an insurance company, and we don't offer every plan available here. Tell us which doctors and hospitals matter to you and we'll show you what we can quote.
Bronze, Silver, Gold and Platinum plans that cover all ten essential health benefits — with premium tax credits for about 4 in 5 enrollees.
Explore →Just got a COBRA letter? Losing job-based coverage opens a 60-day Special Enrollment Period — and because COBRA carries no employer contribution and no premium tax credit, the alternative is often much cheaper.
Explore →Freelancers, contractors, gig workers and small-business owners — coverage that isn't tied to an employer, and may be tax-deductible.
Explore →Plans that scale with your household — pediatric dental and vision included, with networks that keep your kids' doctors in-network.
Explore →Retired before 65? Bridge the gap to 65 without paying retiree-plan or COBRA prices.
Explore →Don't see yours? Call a licensed agent — most answers take under two minutes.
MinnesotaCare is a state Basic Health Program covering residents from roughly 138% to 200% of the poverty line at low cost — a tier between Medicaid and private marketplace plans that most states don't have. It's why fewer MNsure enrollees need a premium tax credit. We'll check whether you fall in that range.
No. Minnesota runs its own exchange, MNsure, which is also the single application for MinnesotaCare and Medical Assistance. A licensed Minnesota agent can enroll you in the same plans at no extra cost.
It depends on your income tier — Medical Assistance below ~138% FPL, MinnesotaCare from there to ~200%, and subsidized private plans above that. Because Minnesota has more tiers than most states, we map your income to the right one for your ZIP.
No. We're a licensed insurance agency paid by the carriers, not by you. The premium of any plan is identical whether you enroll through us or directly with the insurer — you just also get an agent who handles renewals and claims questions.
No. Health Enrollment Center is a brand operated by Sprinter Insurance Agency LLC, a private licensed insurance agency. We are not HealthCare.gov, not a state exchange, and not affiliated with any government agency. We help you enroll in marketplace plans when they're the best fit, and we also show private plans the marketplace doesn't carry.
Start with your ZIP. Two quick questions, then a licensed agent brings you the plans you actually qualify for — no cost, no obligation.