Minnesota health insurance plans for individuals and families

Medical insurance plans in Minnesota, made for you

Whether you’ve retired early, are working for yourself or don’t get insurance through work, HealthPartners has you covered. With us, you’ll enjoy access to all major care systems in your area, award-winning Member Services and exclusive extra perks.

Keep your current doctors with networks designed around high-quality care at affordable costs.
Select plan available in these Minnesota counties: Anoka, Dakota, Hennepin, Ramsey, Scott and Washington.

The Select ACO network

The Select network is an Accountable Care Organization that includes HealthPartners and Park Nicollet, as well as Children's Minnesota. It’s a great choice for people in the Twin Cities area looking for a focused, lower-cost network.
Peak network available in these Minnesota counties: Anoka, Benton, Carver, Dakota, Hennepin, Ramsey, Scott, Sherburne, Stearns, Washington and Wright.

The Peak network

The Peak network includes HealthPartners and Park Nicollet, plus a preferred group of independent doctors, clinics and hospitals. It provides excellent care options for people living in the Twin Cities and St. Cloud areas.
Apex network available in these Minnesota counties: 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, Morrison, Murray, Nobles, Norman, Otter Tail, Pipestone, Polk, Pope, Ramsey, Redwood, Renville, Rock, Scott, Sherburne, Sibley, Stearns, Stevens, St. Louis, Swift, Todd, Traverse, Watonwan, Washington, Wilkin, Wright and Yellow Medicine.

The Apex network

The Apex network offers broad access to nearly all providers in and around the Twin Cities, St. Cloud, Alexandria, Willmar, Moorhead, Duluth, Albert Lea, Worthington, Marshall, central Minnesota and western Minnesota.
Cornerstone plans available in these Minnesota counties: Chippewa, Cottonwood, Jackson, Lincoln, Lyon, Murray, Nobles, Pipestone, Rock and Yellow Medicine.

The Cornerstone network

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

All plans come with coverage for prescription medicines through our PreferredRx formulary (drug list). Specific coverage levels vary by plan – see your plan documents for more details.

2025 individual and family plan details

Want to know what kind of coverage you can expect? Take a look below at the coverage highlights of our self-purchased medical insurance plans. You’ll get a personalized monthly premium based on information you enter when you shop and compare plans.

Below are the plans we offer directly (you may find more HealthPartners options if you shop at MNsure ). If you need help with what these details mean, start with our guide on how to compare individual and family plans.

The chart lists what you pay:
Plan name Network options Deductible Office visits Coinsurance Out-of-pocket max
$8,000 HSA Bronze Select ACO , Peak , Apex or Cornerstone $8,000 (individual) / $16,000 (family) 0% after deductible 0% after deductible $8,000 (individual) / $16,000 (family)
Easy Compare Bronze Apex $7,000 (individual) / $14,000 (family) $50 or $100 copay 50% after deductible $9,200 (individual) / $18,400 (family)
$6,500 Plus Bronze Select ACO , Peak , Apex or Cornerstone $6,500 (individual) / $13,000 (family) $0 copay (first three) then 30% after deductible 30% after deductible $9,200 (individual) / $18,400 (family)
$4,150 Plus Silver Select ACO , Peak , Apex or Cornerstone $4,150 (individual) / $8,300 (family) $0 copay (first three) then 20% after deductible 20% after deductible $8,500 (individual) / $17,000 (family)
Easy Compare Silver Apex $4,000 (individual) / $8,000 (family) $40 or $80 copay 30% after deductible $8,700 (individual) / $17,400 (family)
$3,500 HSA Silver Select ACO , Peak , Apex or Cornerstone $3,500 (individual) / $7,000 (family) 20% after deductible 20% after deductible $7,500 (individual) / $15,000 (family)
$2,900 Plus Silver Select ACO , Peak , Apex or Cornerstone $2,900 (individual) / $5,800 (family) $0 copay (first three) then 20% after deductible 20% after deductible $9,200 (individual) / $18,400 (family)
$2,700 w/Copay P-S Silver Select ACO , Peak , Apex or Cornerstone $2,700 (individual) / $5,400 (family) $25 or $75 copay 25% after deductible $9,200 (individual) / $18,400 (family)
$2,000 w/Copay Gold Peak or Apex $2,000 (individual) / $4,000 (family) $20 copay 20% after deductible $8,550 (individual) / $17,100 (family)
Easy Compare Gold Apex $1,500 (individual) / $3,000 (family) $30 or $60 copay 20% after deductible $7,800 (individual) / $15,600 (family)
$1,000 w/Copay P-S Gold Peak or Apex $1,000 (individual) / $2,000 (family) $15 or $35 copay 20% after deductible $8,250 (individual) / $16,500 (family)
$9,200 Catastrophic Peak or Apex $9,200 (individual) / $18,400 (family) $30 copay (first three primary care visits) then 0% after deductible 0% after deductible $9,200 (individual) / $18,400 (family)

For complete details, review our Minnesota individual and family plan SBCs and other documents.

Extra perks that save time, money and peace of mind

No matter which plan you choose, you’ll get these additional perks (and much more) at no added cost:

You can also call us at 877-838-4949 or email us at IndividualSales@healthpartners.com.

Additional information