Minnesota individual and family health insurance plans

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 can see the counties where our networks are available by selecting the

You’ll find a list of counties here.

Apex network

The Apex network offers broad access to nearly all providers in and around the Twin Cities, St. Cloud, Duluth, Albert Lea, central Minnesota and western Minnesota.

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

The Peak network includes HealthPartners and Park Nicollet doctors, clinics, and hospitals as well as a preferred group of independent doctors, clinics and hospitals. It provides top-notch care options for those living in the Twin Cities area and St. Cloud area.

Peak county service area:

  • Anoka
  • Benton
  • Carver
  • Dakota
  • Hennepin
  • Ramsey
  • Scott
  • Sherburne
  • Stearns
  • Washington
  • Wright

Select network

The Select network includes all HealthPartners and Park Nicollet doctors, clinics, and hospitals as well as Children's Minnesota. It’s a great choice for people in the Twin Cities area looking for a focused network at a lower cost.

Select county service area:

  • Anoka
  • Dakota
  • Hennepin
  • Ramsey
  • Scott
  • Washington

Cornerstone network

In partnership with Avera and Access Health clinics, hospitals, and specialty care centers, the Cornerstone network delivers unbeatable value and savings in southwest Minnesota.

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 Affordability or Hardship Certificate of Exemption

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.

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