Small group health insurance plans in Minnesota
Affordable small group health insurance for growing businesses

HealthPartners is here to help you and your employees make the most of your health insurance plan. That’s why we offer a wide range of affordable small group health plans in Minnesota that include well-rounded benefits, robust provider networks and much more. We’re your partner in finding the right fit so you can build your business, take care of your employees and stay on budget.

Have more than 50 employees? See our large group plan options instead.

Our small group medical insurance plans are designed to fit what growing businesses need. We’re here to help you offer your employees top-rated insurance that’s affordable, easy to understand and easy to use.

In Minnesota, we offer fully insured and self-insured plans.

  • Fully insured plans – Fully insured plans are available for businesses with one to 50 employees. With these plans, you pay an insurance carrier fixed premiums based on the number of your employees, while your carrier administers your company’s plan and pays out all claims.
  • Self-insured level funded plans – If you’re looking for a self-insured plan with the cash flow certainty of a fully insured plan, our level funded Balance plans (available for businesses with five to 50 employees) may be a great fit. Each month, you pay a “level amount,” including an administrative fee, stop-loss premium and an estimated amount for claims based on a maximum or worst-case scenario. If claims come in above the estimated amount, you don’t owe anything additional. If claims come in below the estimated amount, you’ll receive 50% of the surplus at settlement time once you renew.

Does your business have more than 50 employees? See our large group plan options instead.

Choose from a variety of provider networks to fit your company’s budget and your employees’ needs. All our networks are designed to put high-quality care first.

In addition, most of our networks include national, 50-state coverage through our alliance with Cigna. That means straightforward, seamless access to over 1 million providers and 6,300 hospitals, with no referrals or separate insurance card needed.

Fully insured plans

Network options depend on where your business is located. Our networks for fully insured plans include:

Open Access – This network includes all HealthPartners-contracted providers.

Perform SE – This network includes all HealthPartners-contracted providers, excluding Mayo Clinic, Mayo Clinic Health System, Gundersen Health System and Hazelden Betty Ford Centers. This network is available in most counties throughout Minnesota.

The Perform SE network is available statewide, except for businesses headquartered in these counties:

  • Blue Earth
  • Dodge
  • Faribault
  • Fillmore
  • Freeborn
  • Houston
  • Martin
  • Mower
  • Olmsted
  • Steele
  • Wabasha
  • Waseca
  • Watonwan
  • Winona
Achieve SE – Providers in this network were selected based on surveys, claims information and overall health care data. This network is available in select counties in the Twin Cities area and greater Minnesota.

The Achieve SE network is available for businesses headquartered in these counties:

  • Anoka
  • Carver
  • Dakota
  • Hennepin
  • McLeod
  • Ramsey
  • Scott
  • Sherburne
  • Washington
  • Wright
CentraChoice SE – This network is a collaboration between HealthPartners, CentraCare Health and their local care partners, and is available in select counties in central Minnesota.

The CentraChoice SE network is available for businesses headquartered in these counties:

  • Benton
  • Douglas
  • Kandiyohi
  • Meeker
  • Morrison
  • Sherburne
  • Stearns
  • Todd
  • Wadena
  • Wright
Select – This network combines convenience and affordability, with virtual and in-person options for care. This network is available in select counties in the Twin Cities area.

The Select network is available for businesses headquartered in these counties:

  • Anoka
  • Dakota
  • Hennepin
  • Ramsey
  • Scott
  • Washington
TieredChoice – This flexible network offers members a choice of providers and cost-sharing options across three levels, or “tiers,” and is available in select counties in the Twin Cities area.

The TieredChoice SE network is available for businesses headquartered in these counties:

  • Anoka
  • Dakota
  • Hennepin
  • Ramsey
  • Scott
  • Washington
Cornerstone – Available beginning in 2023, this network focuses on maximum savings with care centered around Avera and Access Health clinics, hospitals and specialty care centers in southwest Minnesota.

The Cornerstone network is available for businesses headquartered in these counties:

  • Cottonwood
  • Jackson
  • Lyon
  • Lincoln
  • Murray
  • Nobles
  • Pipestone
  • Rock
  • Yellow Medicine

Based on your group size, you may be able to select multiple networks for more care options for your employees.

Self-insured level funded plans

Network options depend on where your business is located. Our networks for self-insured level funded plans include:

Open Access – This network includes all HealthPartners-contracted providers.

Perform – This network includes all HealthPartners-contracted providers, excluding Mayo Clinic and Mayo Clinic Health System.

Achieve – Providers in this network were selected based on surveys, claims information and overall health care data. This network is available in select counties in the Twin Cities area and greater Minnesota.

The Achieve network is available for businesses headquartered in these counties:

  • Anoka
  • Carver
  • Dakota
  • Hennepin
  • McLeod
  • Ramsey
  • Scott
  • Sherburne
  • Washington
  • Wright
Select – This network combines convenience and affordability, with virtual and in-person options for care. This network is available in select counties in the Twin Cities area.

The Select network is available for businesses headquartered in these counties:

  • Anoka
  • Dakota
  • Hennepin
  • Ramsey
  • Scott
  • Washington
TieredChoice – This flexible network offers members a choice of providers and cost-sharing options across three levels, or “tiers,” and is available in select counties in the Twin Cities area.

The TieredChoice network is available for businesses headquartered in these counties:

  • Anoka
  • Dakota
  • Hennepin
  • Ramsey
  • Scott
  • Washington
Cornerstone – Available beginning in 2023, this network focuses on maximum savings with care centered around Avera and Access Health clinics, hospitals and specialty care centers in southwest Minnesota.

The Cornerstone network is available for businesses headquartered in these counties:

  • Cottonwood
  • Jackson
  • Lyon
  • Lincoln
  • Murray
  • Nobles
  • Pipestone
  • Rock
  • Yellow Medicine

Based on your group size, you may be able to select multiple networks for more care options for your employees.

All our group plans for small businesses offer high-quality health insurance options that have comprehensive benefits and coverage, and we’ll be there every step of the way to make sure you get the most out of your plan.

Specific benefits and coverage levels vary by plan, but all plans include:

  • 100% preventive care coverage, including routine checkups, immunizations, screening and counseling
  • Prescription drug coverage with an actively managed, cost-effective formulary (drug list)
    • Formulary insulin covered with no member cost-sharing after a $25 benefit cap per fill
  • Coverage for telemedicine services such as Teledoc and Doctor on Demand, with many plans offering access to Virtuwell, our 24/7 online clinic
  • Out-of-network coverage, with urgent care and emergency care covered at in-network levels
  • Compliance with the Affordable Care Act (ACA)

Choose from a variety of plans and health account options for your employees, including:

  • Traditional copay and coinsurance plans – These plans charge a set fee for a specific service, like a clinic visit. These fees are usually listed on a member’s insurance card and can help members decide whether to make a doctor appointment or head to urgent care. Some plans also include a deductible.
  • “Three for Free” plans – With these plans, the first three office or urgent care visits each year are at no extra cost. Employees also have access to a wide range of care and benefits through coinsurance with varying deductible amounts.
  • High-deductible health plans (HDHPs) – These plans usually have lower premiums and higher deductibles, meaning your employees pay less each month for insurance and more out of pocket when they receive care. They also typically cost less for employers.
    • Employees with an HDHP are also eligible to open a Health Savings Account (HSA), a special pretax bank account for eligible health care expenses which both the employee and the employer can contribute to.
  • Health Reimbursement Account (HRA) plans – In these plans, an employer offers a predetermined amount of money to its employees, which is then used for eligible health care expenses.
  • Flexible Spending Accounts (FSAs) – With an FSA, employees and employers can put pretax money into a special account for eligible employee medical expenses. An FSA can typically be offered alongside any other group medical plan.

Depending on the size of your group, you may have the option to select multiple plan designs. No matter which plan you choose, you’ll have access to everyday health support, programs and resources to support physical and mental health, and more.

Our teams are dedicated to collaborating closely with you to understand your company and your employees’ unique needs. Many of our plans include value-added services such as virtual health support, well-being resources, pharmacy navigation and more – available at no extra cost.

We’ll work together to discover which services and resources may be a good fit, and we’ll help your employees take charge of their plan so they can work to stay healthy and happy. Some of our services and resources include:

  • Award-winning, locally based member and employer support teams
  • Employee Assistance Programs (EAP) to help employees manage stress, be more productive at work and live healthier every day
  • Omada Mind digital program for stress, anxiety and depression
  • Living Well comprehensive well-being resources, including digital assessments, personalized action plans and discounts
  • Comprehensive disease and case management support
  • Medication Therapy Management (MTM) that helps ensure medications are working together correctly
  • Assist America 24/7 coverage, helping your employees find a doctor, fill a prescription and more when traveling
  • Digital and in-person decision support tools, making managing care easy anytime, anywhere
  • Communications toolkits to drive employee engagement and help your employees get the most out of their plan
  • Easy-to-use plan administration tools that save you time and money so you can focus on growing your business
Group dental plans in Minnesota

In addition to group medical plans, we offer a variety of group dental plans in Minnesota. Plus, when you combine a health plan with a dental plan, you’ll get an extra discount on dental plan rates and enjoy easier administration of all your benefits.