Before subsidies, the average benchmark silver plan for a 40-year-old in Minnesota costs $525 a month for 2027 (the national average is $704). Premium tax credits bring that down for many households, depending on income and family size. Below you'll find how coverage works in North St. Paul, the local agencies with the strongest reviews, and where to get free help.
Top-rated health insurance agencies near North St. Paul
Licensed agents can compare plans available in Ramsey County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Health insurance at a glance: North St. Paul, MN
| Where to enroll | MNsure |
|---|---|
| Average benchmark silver, age 40 (2027) | $525/mo before subsidies |
| Marketplace insurers in Minnesota (2027) | 5 |
| Medicaid expansion | Yes |
| Short-term plans | Not sold |
Sources: CMS plan data, KFF, state marketplace and insurance department pages.
How to get ready
- Have a realistic estimate of next year's household income; subsidies are based on it.
- Compare total yearly cost (premiums plus deductible), not just the monthly premium.
- Make a list of your doctors, hospitals and prescriptions before you call anyone.
- Ask each agent which carriers they can quote in your county.
Free enrollment help in Minnesota
MNsure assisters: Navigators and Certified Application Counselors, plus MNsure brokers and broker enrollment centers, are listed in the MNsure Assister Directory for free enrollment help. You can search for in-person help on the official find-help page. If you'd rather have someone compare plans and recommend one, a licensed agent can do that at no cost to you.
Frequently asked questions
How much is health insurance in North St. Paul?
Before subsidies, the average benchmark silver plan for a 40-year-old in Minnesota costs $525 a month for 2027 (the national average is $704). Premium tax credits bring that down for many households, depending on income and family size. A licensed agent can quote your exact price.
Which insurers sell marketplace plans in Minnesota?
For 2027, marketplace plans in Minnesota come from 5 insurers: Blue Plus, HealthPartners, Medica, Quartz and Aspirus Health Plan. Not every insurer sells in every county.
Where can I buy health insurance in North St. Paul?
Through the MNsure, directly from an insurer, or with a licensed agent or broker who can do either.
Health insurance in nearby cities
- Maplewood, MN 2 miles
- Oakdale, MN 2 miles
- White Bear Lake, MN 4 miles
- Mahtomedi, MN 4 miles
- Little Canada, MN 4 miles
- Vadnais Heights, MN 5 miles
- Lake Elmo, MN 5 miles
- St. Paul, MN 7 miles
- North Oaks, MN 7 miles
- Roseville, MN 8 miles