Find a medical insurance plan in Minnesota that’s right for you
Buying your own insurance? At HealthPartners, you’ll find strong doctor and provider networks, comprehensive plans, and extra perks and benefits. Plus, our friendly Member Services team is always here to help you understand and use your plan. That way, your family can stay healthy and ready for what’s next.
Our highly rated plans are also available on MNsure. You may qualify for tax credits to help lower plan costs.
Plans are available in most counties in Minnesota, but your network options depend on where you live. Explore our four network options below to see which are available in your area and find the right one for your needs.
You’ll find a list of counties here.
Apex network
Apex county service area:
- Anoka
- Becker
- Benton
- Big Stone
- Brown
- Carlton
- Carver
- Chippewa
- Chisago
- Clay
- Cottonwood
- Crow Wing
- Dakota
- Douglas
- Faribault
- Freeborn
- Grant
- Hennepin
- Isanti
- Jackson
- Kandiyohi
- Lac qui Parle
- Lincoln
- Lyon
- Martin
- McLeod
- Meeker
- Morrison
- Murray
- Nobles
- Norman
- Otter Tail
- Pipestone
- Polk
- Pope
- Ramsey
- Redwood
- Renville
- Rock
- St. Louis
- Scott
- Sherburne
- Sibley
- Stearns
- Stevens
- Swift
- Todd
- Traverse
- Washington
- Watonwan
- Wilkin
- Wright
- Yellow Medicine
Peak network
Peak county service area:
- Anoka
- Benton
- Carver
- Dakota
- Hennepin
- Ramsey
- Scott
- Sherburne
- Stearns
- Washington
- Wright
Select network
Select county service area:
- Anoka
- Dakota
- Hennepin
- Ramsey
- Scott
- Washington
Cornerstone network
Cornerstone county service area:
- Cottonwood
- Jackson
- Lincoln
- Lyon
- Murray
- Nobles
- Pipestone
- Rock
- Yellow Medicine
Once you’ve found a network you like, it’s time to pick your plan level.
Gold plans
Gold plans have higher premiums, but you’ll pay less when you get care. They might be a good choice if you think you’ll use your health care coverage frequently, like if you have conditions that need ongoing management.
The chart below lists what you pay:
Plan | Deductible | Office visits | Coinsurance | Out-of-pocket max |
---|---|---|---|---|
$1,000 w/Copay P-S Gold | $1,000 (individual) / $2,000 (family) | $15 or $35 copay | 20% after deductible | $8,000 (individual) / $16,000 (family) |
$2,000 w/Copay Gold | $2,000 (individual) / $4,000 (family) | $25 copay | 20% after deductible | $8,500 (individual) / $17,000 (family) |
Silver plans
Silver plans strike a balance between your monthly premium amount and your out-of-pocket health care costs. Consider a silver plan if you visit the doctor a few times per year or if you’re not sure what care you’ll need.
The chart below lists what you pay:
Plan | Deductible | Office visits | Coinsurance | Out-of-pocket max |
---|---|---|---|---|
$3,000 w/Copay P-S Silver | $3,000 (individual) / $6,000 (family) | $25 or $75 copay | 25% after deductible | $9,100 (individual) / $18,200 (family) |
$3,500 Plus Silver | $3,500 (individual) / $7,000 (family) | $0 copay (first three) then 20% after deductible | 20% after deductible | $9,100 (individual) / $18,200 (family) |
$3,500 HSA Silver | $3,500 (individual) / $7,000 (family) | 20% after deductible | 20% after deductible | $7,300 (individual) / $14,600 (family) |
$5,250 Plus Silver | $5,250 (individual) / $10,500 (family) | $0 copay (first three) then 20% after deductible | 20% after deductible | $8,500 (individual) / $17,000 (family) |
Bronze plans and Catastrophic plans
Bronze plans and Catastrophic plans have lower monthly premiums, but you’ll need to pay more when you get care before your plan starts to pay. They might be right for you if you don’t think you’ll go to the doctor very much but still want basic coverage.
The chart below lists what you pay:
Plan | Deductible | Office visits | Coinsurance | Out-of-pocket max |
---|---|---|---|---|
$6,250 Plus Bronze | $6,250 (individual) / $12,500 (family) | $0 copay (first three primary care visits) then 30% after deductible | 30% after deductible | $9,100 (individual) / $18,200 (family) |
$7,300 HSA Bronze | $7,300 (individual) / $14,600 (family) | 0% after deductible | 0% after deductible | $7,300 (individual) / $14,600 (family) |
$9,100 Catastrophic* | $9,100 (individual) / $18,200 (family) | $30 copay (first three primary care visits) then 0% after deductible | 0% after deductible | $9,100 (individual) / $18,200 (family) |
*Only available if you’re under 30 years old or have an
No matter what plan you choose, you’ll get prescription drug coverage through our PreferredRx formulary (drug list). Specific coverage levels vary by plan – refer to your plan documents to get the details.
Get more plan details
You can also shop our highly rated plans on MNsure. You may qualify for tax credits to help lower plan costs.
In addition to our individual and family health plans, we offer affordable individual and family dental plans designed with the benefits and coverage you need. Adding a dental plan to an individual or family plan is easy. Plus, you can manage all your plans in one place.