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. The rest of this page covers your coverage options in St. Paul, the best-reviewed local agencies and the deadlines that matter.
Top-rated health insurance agencies near 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: 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
- Make a list of your doctors, hospitals and prescriptions before you call anyone.
- Have a realistic estimate of next year's household income; subsidies are based on it.
- Ask each agent which carriers they can quote in your county.
- Write down the enrollment deadline and confirm your first premium payment.
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
Where can I buy health insurance in St. Paul?
Through the MNsure, directly from an insurer, or with a licensed agent or broker who can do either.
How much is health insurance in 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.
Health insurance in nearby cities
- West St. Paul, MN 3 miles
- Falcon Heights, MN 5 miles
- Maplewood, MN 5 miles
- Mendota Heights, MN 5 miles
- South St. Paul, MN 5 miles
- Roseville, MN 5 miles
- Little Canada, MN 5 miles
- North St. Paul, MN 7 miles
- Oakdale, MN 7 miles
- Vadnais Heights, MN 8 miles