Before subsidies, the average benchmark silver plan for a 40-year-old in Minnesota costs $525 a month for 2027, against a national average of $704. Premium tax credits lower that for many households.
This page lists top-rated local agencies across Minnesota by city. Every listing shows distance and address, and every city page explains local plan costs. For a side-by-side comparison of carriers, call 866-645-8540 to reach a licensed agent.
How health insurance works in Minnesota
People in Minnesota buy marketplace coverage through MNsure. Open enrollment runs from November 1 through January 15. Medical Assistance (MA) covers adults with income up to 138% of the poverty level. 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. Short-term health plans are not sold in the state.
Agent licensing in Minnesota
- The Minnesota Department of Commerce licenses insurance producers and agencies and regulates insurance in the state. It also takes consumer complaints and publishes its enforcement actions. Source
- The Minnesota Department of Commerce's Look Up a License Holder directory includes an Insurance Producers/Agencies search, which links to the online licensing database where you can confirm an agent's license. Source
- Minnesota insurance producers who sell health coverage hold the Accident/Health line of authority on their state producer license, which the Department of Commerce issues. Source
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.
Licensed agents can quote plans from multiple Minnesota carriers in one call.
Call 866-645-8540Health insurance by city in Minnesota
- Albert Lea
- Albertville
- Alexandria
- Andover
- Anoka
- Apple Valley
- Arden Hills
- Austin
- Baxter
- Belle Plaine
- Bemidji
- Big Lake
- Blaine
- Bloomington
- Brainerd
- Brooklyn Center
- Brooklyn Park
- Buffalo
- Burnsville
- Byron
- Cambridge
- Carver
- Champlin
- Chanhassen
- Chaska
- Chisago City
- Cloquet
- Columbia Heights
- Coon Rapids
- Corcoran
- Cottage Grove
- Crookston
- Crystal
- Dayton
- Delano
- Detroit Lakes
- Duluth
- Eagan
- East Bethel
- East Grand Forks
- Eden Prairie
- Edina
- Elk River
- Fairmont
- Falcon Heights
- Faribault
- Farmington
- Fergus Falls
- Forest Lake
- Fridley
- Glencoe
- Golden Valley
- Grand Rapids
- Ham Lake
- Hastings
- Hermantown
- Hibbing
- Hopkins
- Hugo
- Hutchinson
- International Falls
- Inver Grove Heights
- Isanti
- Jordan
- Kasson
- La Crescent
- Lake City
- Lake Elmo
- Lakeville
- Lindstrom
- Lino Lakes
- Litchfield
- Little Canada
- Little Falls
- Mahtomedi
- Mankato
- Maple Grove
- Maplewood
- Marshall
- Medina
- Mendota Heights
- Minneapolis
- Minnetonka
- Minnetrista
- Montevideo
- Monticello
- Montrose
- Moorhead
- Morris
- Mound
- Mounds View
- New Brighton
- New Hope
- New Prague
- New Ulm
- North Branch
- North Mankato
- North Oaks
- North St. Paul
- Northfield
- Oak Grove
- Oak Park Heights
- Oakdale
- Orono
- Otsego
- Owatonna
- Plymouth
- Prior Lake
- Ramsey
- Red Wing
- Richfield
- Robbinsdale
- Rochester
- Rogers
- Rosemount
- Roseville
- Sartell
- Sauk Rapids
- Savage
- Shakopee
- Shoreview
- Shorewood
- South St. Paul
- Spring Lake Park
- St. Anthony
- St. Cloud
- St. Francis
- St. Joseph
- St. Louis Park
- St. Michael
- St. Paul
- St. Paul Park
- St. Peter
- Stewartville
- Stillwater
- Thief River Falls
- Vadnais Heights
- Victoria
- Virginia
- Waconia
- Waite Park
- Waseca
- West St. Paul
- White Bear Lake
- Willmar
- Winona
- Woodbury
- Worthington
- Wyoming
- Zimmerman