Minnesota 2027 health insurance: new Aspirus plans, final 10–21.1% carrier changes and nine authentic county rating areas
MNsure is Minnesota's state-based health insurance Marketplace and the only marketplace channel for eligible Minnesotans to obtain federal financial help with qualified plans. Open Enrollment for 2027 starts November 1, 2026 and ends January 15, 2027. To obtain a usual January 1 start, the state instructs residents to finish 2027 private-plan selection by December 15, 2026; later enrollment through January 15 generally starts February 1. Those official MNsure dates are different from Massachusetts or Maryland, and should not be blended.
The Minnesota Department of Commerce's final 2027 individual-rate table gives issuer-specific approved average increases: Blue Plus 17.3%, HealthPartners, Inc. 21.1%, HealthPartners Insurance Company 18.0%, Medica 13.8% and Quartz 10.0%. Aspirus is a new issuer in 2027, so it has no comparable 2026 renewal-rate change in that table. These figures are final individual-market insurer averages—not monthly quotes or insurer-level customer ratings.
One consequential 2027 change is the end of UCare-branded individual plans. Minnesota Commerce explains that UCare was acquired by Medica, was supported through 2026 for transition, and will not offer individual plans in 2027. MNsure says Aspirus will enter the Marketplace as a new medical carrier in northeastern Minnesota. Its October 2026 2027 preview release describes 211 health and dental plans combined, at least two companies per resident, and three or more for most residents; 211 must not be described as 211 medical plans.
Minnesota consists of 87 real counties. CMS groups all 87 into nine geographic insurance rating areas by county. This article's map uses genuine 2020 U.S. Census county polygons, matching each GEOID to the nine actual CMS Minnesota groups. They are pricing geography, not a guarantee that any network or product is sold throughout an area.
Research date: October 26, 2026. The final Minnesota individual-market rate table, official Marketplace enrollment rules, authentic 87-county CMS map, new Aspirus entry and UCare phase-out are the most important verified 2027 facts. Individual prices still depend on age, county, plan tier and subsidy eligibility.
Six Minnesota-specific checks before keeping or changing 2027 insurance
Commerce confirms the 2026 transition and absence of UCare individual products in 2027 after Medica's acquisition. Read renewal correspondence and compare actual 2027 Medica or other products.
MNsure says Aspirus is new in northeastern Minnesota. A new market entrant does not mean every county receives its products or that old doctors are included.
The approved individual changes span 10.0–21.1% across renewing issuer legal entities. In particular, HealthPartners has two different legal entities and figures: 21.1% and 18.0%.
Hennepin and Ramsey are in Area 8; Olmsted in Area 1; St. Louis in Area 2. A plan's provider network may still vary within the same official premium area.
County, age, household income and family eligibility drive assistance. MinnesotaCare and Medical Assistance have separate enrollment rules and eligibility pathways.
MNsure's official 2027 calendar says enroll by December 15, 2026 for January 1; December 16–January 15 choices generally begin February 1.
Minnesota's interactive 87-county map: all nine official CMS insurance rating regions
Each polygon comes from the U.S. Census 2020 county layer and has been joined to the matching name in the CMS nine-region assignment list. The generator rejects missing/duplicate names, so islands, irregular lakeshore shapes, urban counties and northern border units stay recognizable. The map intentionally labels rate geography rather than claiming the same insurer network extends through all counties in a region.
| Official CMS area | Number of counties | Examples and geographic scope |
|---|---|---|
| Area 1 · southeast | 10 | Dodge, Goodhue, Olmsted/Rochester, Fillmore, Winona, Wabasha and neighboring southeastern counties. |
| Area 2 · northeast | 7 | Carlton, Cook, Itasca, Koochiching, Lake, Lake of the Woods, St. Louis/Duluth. |
| Area 3 · south-central | 8 | Blue Earth, Faribault, Waseca, Le Sueur, Martin and three other adjoining counties. |
| Area 4 | 9 | Nine county identities listed in the live CMS map reference below. |
| Area 5 | 11 | Eleven official county assignments, all selectable by name in the map. |
| Area 6 | 9 | Nine official county assignments; verify provider accessibility separately. |
| Area 7 · north-central | 14 | Beltrami, Crow Wing, Cass, Hubbard, Roseau and other CMS northern/central counties. |
| Area 8 · Twin Cities/core metro | 11 | Anoka, Carver, Dakota, Hennepin, Ramsey, Scott, Washington, Wright and nearby counties. |
| Area 9 · northwest | 8 | Clearwater, Kittson, Mahnomen, Marshall, Norman, Pennington, Polk, Red Lake. |
Validation: 10 + 7 + 8 + 9 + 11 + 9 + 14 + 11 + 8 = 87 counties. Every area controls real county shapes; for names omitted from the abbreviated table, expand the built-in full county-to-area reference or choose the county dropdown. CMS regions help insurers set location-based premiums but are not an availability guarantee.
Minnesota's 2027 individual issuer evidence: five renewing legal rate groups and one new entrant
The regulator's final individual-market approvals name six issuer entities: Aspirus (new), Blue Plus, HealthPartners Inc., HealthPartners Insurance Company, Medica, Quartz. The legal entities HealthPartners Inc. and HealthPartners Insurance Company are separately rated, but it does not follow that a resident has six unrelated consumer brands or six choices at every address. MNsure itself lists current 2027 network directories for five consumer families: Aspirus, Blue Plus, HealthPartners, Medica and Quartz.
Commerce and MNsure both name Aspirus as new. There is no valid same-issuer 2026 renewal percentage to report. Check its 2027 Autograph network and drug list, especially in northeast counties.
MNsure Aspirus network/drugsRegulator final average across the specified Blue Plus individual products, not an actual net price. MNsure publishes separate Blue Plus network directories.
MNsure Blue Plus directoriesTwo separate DOI filings belong to the HealthPartners consumer ecosystem. Do not apply one figure to every HealthPartners QHP; check the actual legal issuer and provider-network product.
MNsure HealthPartners productsThese are competing insurer groups, included together only as a concise rate comparison. The lower approved rate change does not reveal the lowest actual monthly quote, tax credit or best hospital network. UCare individual plans end for 2027 following the Medica acquisition.
2027 rate-by-issuer table| Official filing | Final average 2027 rate change | Important limitation |
|---|---|---|
| Aspirus Health Plan | New issuer for 2027 | No valid 2026 same-plan renewal average; northeast entry. |
| Blue Plus | 17.3% | Issuer approved average, not after-tax-credit household result. |
| HealthPartners, Inc. | 21.1% | Specific HealthPartners legal entity. |
| HealthPartners Insurance Company | 18.0% | Separate legal issuer and product rate set. |
| Medica Insurance Company | 13.8% | Actual Medica policy choice still varies by network/county. |
| Quartz Health Plan MN | 10.0% | Does not imply lowest premium among all policies. |
How to read Minnesota's regulator-approved 2027 premium changes without inventing quotes
Approved averages for the five renewing individual issuer groups range from 10.0% Quartz to 21.1% HealthPartners Inc.. Commerce cautions that personal 2027 changes depend on specific plans, rating area and age. It publishes separate, materially different small-group market changes; for example, 2027 UHC rows appear in the small-group table but that does not establish a UHC individual-market QHP in Minnesota.
Commerce also publishes 2027 county-by-county maps showing how many insurers actively market individual products in each county and the average monthly second-lowest-cost Silver quote for an illustrative 40-year-old shopper. That is a useful controlled comparison but cannot be generalized to an older couple, a large family or an after-subsidy household bill.
| Data source | Actually measures | Do not claim |
|---|---|---|
| Commerce issuer approval | Carrier's final average individual-market rate change 2026→2027. | That all insured customers pay the same increase. |
| Commerce 40-year-old county map | Illustrative gross second-lowest Silver premium by county. | A single price applicable regardless of family age or aid. |
| MNsure plan-shopping result | Current offered product, ZIP, age, tier and household eligibility. | That every offer exists in all nine CMS areas. |
| Federal premium tax credit | MNsure eligibility-based reductions to monthly premium. | Treating gross filed rates as an applicant's final net cost. |
| MNsure 211 total plan choices | Medical and dental plans combined, statewide. | Calling 211 all health or 211 accessible in one county. |
Keep the State context above, then compare current options using the actual ZIP, household details, provider needs and prescriptions that apply to you.
2027 Minnesota market changes: 211 combined plan options, Medica's UCare transition and statewide county differences
MNsure's pre-enrollment public release says 211 total medical-and-dental plans are on offer for the 2027 plan year. It also says every Minnesotan will have offerings from at least two insurance companies and most from at least three, which is a broad availability claim that still requires county-specific verification. The same notice describes Aspirus as a new northeastern medical carrier; its first-year pricing has no directly comparable 2026 company renewal figure.
Commerce's final release notes UCare's individual-plan support throughout 2026 for smoother transition after acquisition by Medica, then the retirement of UCare individual products for 2027. A member cannot rely on the old card or office's acceptance of UCare to prove it accepts a replacement Medica plan; products have distinct directories and covered-drug lists.
Minnesota continues its Premium Security Plan, an approved reinsurance arrangement through 2027. Commerce's program overview estimates individual-market premiums are about 20% lower on average than they otherwise would be without reinsurance. This counterfactual program effect must not be read as a guaranteed 20% discount on an individual's 2026 renewal bill. MNsure's consumer change page uses an approximate 25% program comparison in another context; neither is a cash rebate at checkout.
| Indicator | Verified | Not implied |
|---|---|---|
| 2027 plan count | 211 medical + dental plan choices combined statewide. | 211 medical choices for any single resident. |
| Consumer insurer choice | MNsure says all residents at least 2 companies, most 3+. | All five brands in every county. |
| 2027 new medical entry | Aspirus joins in northeast Minnesota. | Available statewide or equivalent to UCare. |
| 2027 UCare transition | UCare individual products no longer offered after 2026 support. | A new Medica QHP will keep every previous clinician. |
| Reinsurance | Commerce describes about 20% lower premiums vs no-program model. | 20% individual cash subsidy on every selected plan. |
How three different Minnesota households should compare 2027 insurance plans
Hennepin/Ramsey commuter: In the Twin Cities core, CMS Area 8 identifies the geographic premium region, but the residents of Minneapolis and St. Paul still need to verify each carrier's exact 2027 specialist group, participating mental-health clinicians, pharmacies and relevant hospitals. A low gross Silver premium may not minimize annual out-of-pocket spending when frequent care is expected.
Duluth/northern family: St. Louis County falls in CMS Area 2. The new Aspirus product may be a genuine new option for some northeastern residents, yet hospital and pharmacy networks, referral authorizations and coverage during travel require direct inspection. Be careful when comparing a new Aspirus offering to an old UCare card because no stable 2026-to-2027 like-for-like rate comparison exists.
Rochester/Olmsted person with chronic care: Olmsted is in CMS Area 1. The region's recognizable specialist hospital market does not mean a carrier's narrow-network contract includes the desired named doctor. The HealthPartners legal-group rate changes are insurer-level averages, not a prediction of a specific Rochester patient copay.
| Local context | Most consequential check | Save this evidence |
|---|---|---|
| Twin Cities | Contracted mental health/specialist access. | 2027 plan's provider directory and SBC. |
| Northeast/Duluth | Aspirus service availability and hospital referrals. | MNsure exact address search and directory. |
| Rochester/southeast | Preferred hospital/specialist actually participates. | Exact-network contract verification. |
| Northwest rural | Specialty travel and emergency/out-of-area terms. | Policy and authorization rules. |
| Former UCare member | New eligible carrier and drug continuity. | 2027 renewal and replacement plan documents. |
2027 provider networks: special attention to the new Aspirus entrant and UCare-to-Medica transition
MNsure's official 2027 insurer-network hub publishes direct insurer directory and drug-list links for Aspirus, Blue Plus, HealthPartners, Medica and Quartz. It is more useful than a brand-only top-ten list. Read the plan name, HMO/PPO/EPO arrangement and hospital participation together; insurance company, legal issuer, product and contracted physician billing group can differ.
List primary care, behavioral health, clinic, hospital, specialty surgery, therapy and lab providers.
Choose the named plan network and verify whether each facility and individual clinician appears there.
A Medica acquisition does not make all former UCare clinician contracts automatically transferable to every new QHP.
For St. Louis, Cook, Roseau or Lake of the Woods, review emergency, referral and out-of-area coverage in the actual policy.
Evidence-based Minnesota plan quality: no fabricated insurer scores or star ratings
A Blue Plus or HealthPartners advertisement, a statewide exchange participation count, and a CMS quality rating measure different things. Use actual quality indicators, if displayed, for the same 2027 qualified health plan and avoid transferring an old product's star score to a new Aspirus product that has no 2026 market history. Compare accessibility and claims support using date-stamped primary documentation.
| Measure | Best evidence | Known limit |
|---|---|---|
| Official plan-quality metrics | 2027 MNsure plan details and applicable CMS QHP results. | Not a brand-wide five-star endorsement. |
| Provider continuity | Named provider directory and written confirmation. | A medical group appearing does not prove every doctor is included. |
| Medication access | 2027 formulary, pharmacy contract and authorization terms. | Covered-drug listing does not establish final copay. |
| Consumer complaints | Minnesota Commerce insurance complaint channels, properly scoped. | Raw counts without enrollment denominators are poor rankings. |
2027 Minnesota prescription comparisons and pharmacy access
MNsure's network resources link to each 2027 carrier's covered prescription drug list. For the same diabetes, asthma or psychiatric medication, tier, quantity limit, step therapy and preferred pharmacy can vary by exact plan ID. Minnesota also has state-specific rules relevant to certain chronic-disease drugs and supplies, but a buyer must verify current law, qualifying drug and plan type instead of assuming every covered product is $0.
A name-only check misses package size, specialty formulation and refill frequency.
Use MNsure's plan-network hub to reach the actual issuer and precise plan formulary.
Check neighborhood stores in Minneapolis, Duluth or a rural county; mail order and pharmacy tiers may differ.
Ask the new insurer and prescriber about prior approvals, transition supplies, step therapy and appeals.
MNsure tax credits, MinnesotaCare, Medical Assistance and the 2027 Premium Security Plan
Private QHP assistance. MNsure is the Marketplace route for eligible state residents' federal advance premium tax credits and cost reductions. Its income guidelines have 2027 coverage-year limits for MinnesotaCare and premium credits; Medicaid/Medical Assistance limits operate on a separate period. Income, family size, immigration eligibility, other affordable employer coverage and tax-household composition influence final decisions.
Public programs are not all QHPs. Medical Assistance (Minnesota Medicaid) and MinnesotaCare have eligibility and renewal systems separate from commercial Marketplace plan shopping. MNsure's eligibility page says qualifying applicants may enroll in those public programs outside ordinary private-plan OEP. Do not infer a public-program copay schedule from a Blue Plus or Medica 2027 private contract.
Reinsurance context. The state's Premium Security Plan moderates average individual-market premiums compared with a modeled world without reinsurance. Commerce says the program was authorized through 2027 and describes about 20% lower premium levels than otherwise. That is a financing/economic comparison, separate from MNsure federal tax-credit eligibility and a household's final billed premium.
| Coverage route | Official place | Practical limitation |
|---|---|---|
| 2027 individual private insurance | MNsure plan shopping | Shop by county, age, household and actual ZIP. |
| Federal tax-credit help | MNsure income rules | Application determines eligibility; rate increases are gross. |
| MinnesotaCare | MNsure public program route | Different coverage and income rules from ACA QHPs. |
| Medical Assistance | State Medicaid eligibility | Different income guideline period and renewal processes. |
| Premium Security Plan reinsurance | MN Commerce reinsurance | Not a direct individual 20% discount coupon. |
Minnesota's 2027 enrollment and policy calendar
MNsure's official OEP instructions and assister deadlines agree: November 1 start, December 15 first-effective-date deadline, January 15 final ordinary private enrollment. The September/October 2026 rate approval and new plan preview mean 2027 offerings can be researched before enrollment opens.
| Milestone | Official event | What to do |
|---|---|---|
| Late September–October 2026 | Commerce releases final individual and small-group 2027 rate approvals. | Use the individual, not small-group, issuer table. |
| October 15–late October 2026 | MNsure publishes 2027 plan comparisons and insurer networks. | Check county availability, doctors, formulary and new Aspirus. |
| November 1, 2026 | MNsure 2027 private QHP Open Enrollment begins. | Apply, update income and select eligible plans. |
| December 15, 2026 | Normal last day to enroll for January 1, 2027 coverage. | Finish plan selection and verify payment instructions. |
| December 16, 2026–January 15, 2027 | Later ordinary enrollment normally starts February 1. | Avoid January gaps when switching from UCare or old plan. |
| January 15, 2027 | 2027 ordinary private-plan Open Enrollment closes. | Confirm submitted application, confirmation and coverage effective date. |
| Qualifying life event | Potential Special Enrollment outside ordinary OEP. | Provide event-specific documentation and check deadlines. |
| Eligible Medical Assistance/MinnesotaCare | Some public-program enrollment available year-round. | Use actual program eligibility and renewal guidance. |
A six-step 2027 Minnesota plan comparison checklist
Use official eligibility tools to see eligible tax credits and named qualified health plans.
Use the authentic interactive nine-area map, then the live Marketplace to check exact issuer service availability.
Do not assume a replaced card keeps exactly the same hospital or prescription benefits.
Update income and household details, and distinguish private QHPs, MinnesotaCare and Medical Assistance.
Combine net monthly premium, deductible, drug tiers, copay, coinsurance, maximum exposure and care geography.
December 15, 2026 for ordinary January 1 private coverage; January 15 is the later OEP end.
Use the MNsure assister directory or its official support channels for free guidance. Rate filing questions belong with Minnesota Commerce. This is an independent editorial review, not an agent's plan endorsement or a substitute for official eligibility findings.
Minnesota 2027 insurance questions answered by official Marketplace and rate sources
When can I enroll in Minnesota 2027 private Marketplace coverage?
MNsure Open Enrollment is November 1, 2026 through January 15, 2027, and December 15 is the normal deadline for coverage effective January 1.
How many actual CMS rating areas does Minnesota have?
Nine, totaling 87 real counties. The map uses the true 2020 Census outlines and CMS's county assignments; rating area and provider network are different.
Which insurers have final approved 2027 individual rate increases?
Commerce lists Blue Plus 17.3%, HealthPartners Inc. 21.1%, HealthPartners Insurance Company 18.0%, Medica 13.8% and Quartz 10.0%. Aspirus is new with no same-issuer prior-year renewal percentage.
Is Aspirus new to Minnesota's 2027 Marketplace?
Yes. MNsure says Aspirus is a new medical insurer in northeastern Minnesota; eligibility and provider networks must be checked by county/product.
Will UCare individual insurance continue in 2027?
No. Minnesota Commerce states UCare individual plans were supported through 2026 after Medica acquired the company, but UCare individual plans are not offered in 2027.
Are there 211 separate medical insurance plans in Minnesota in 2027?
No. MNsure's 211 count combines medical and dental plans across the state; choices at a specific address are fewer.
What area contains Minneapolis and St. Paul?
Hennepin County and Ramsey County belong to CMS geographic rating Area 8. This does not guarantee any specific plan or provider network is offered at a ZIP.
Which area includes Duluth and St. Louis County?
CMS rating Area 2 includes St. Louis County and six other northern counties, including Cook and Lake. Check new Aspirus as well as established insurers in MNsure.
What does the 20% Minnesota reinsurance figure mean?
Commerce estimates individual-market premiums are about 20% lower on average than they otherwise would be without the Premium Security Plan. It is not a direct guaranteed discount on a personal renewal.
Can MinnesotaCare and Medical Assistance be applied for outside private-plan Open Enrollment?
Yes, eligible residents can use public-program pathways under their separate program rules; private qualified health plans still use the 2027 OEP or Special Enrollment.
How can I check 2027 provider networks and prescription drugs?
MNsure publishes a 2027 network-and-drug-list hub covering Aspirus, Blue Plus, HealthPartners, Medica and Quartz, with links to exact product directories.
Are 2027 monthly premiums the same for everyone in a CMS region?
No. A rating area is one factor; age, carrier, plan and eligible tax credits change both gross and net charges. Use the MNsure plan comparison result for your household.
Minnesota 2027 source ledger: 18 verified research questions and carefully scoped findings
Updated October 26, 2026. This independent review links original MNsure consumer pages, Minnesota Department of Commerce approved insurer rates, the real U.S. Census 87-county geometry, official nine-area CMS assignments and state public-program/reinsurance sources. It does not invent insurer satisfaction ratings, net plan prices, or UCare continuity guarantees. Artwork is AI-created, clearly labeled illustrative, and carries the ApexTrusted signature.
Nov 1–Jan 15, with Dec 15 deadline for usual Jan 1 coverage.
2027 enrollment datesFive renewing issuer changes 10–21.1%; Aspirus new.
Final 2027 approvalsNine named county groups matched exactly to official county polygons.
CMS nine-area tableAspirus northeast entry, 211 combined medical/dental plans, UCare transition.
State 2027 preview| Evidence item / status | Actual scope and claim | Primary link |
|---|---|---|
| 1. Marketplace control · FOUND_CURRENT | MNsure is the state-based individual exchange. | MNsure |
| 2. 2027 enrollment start/end · FOUND_CURRENT | November 1, 2026 through January 15, 2027. | MNsure eligibility |
| 3. January 1 cutoff · FOUND_CURRENT | December 15, 2026 for ordinary January 1 coverage. | MNsure calendar |
| 4. Final individual rates · FOUND_CURRENT | Blue Plus 17.3%, HealthPartners Inc. 21.1%, HP Insurance 18.0%, Medica 13.8%, Quartz 10%. | Commerce final figures |
| 5. Aspirus new 2027 · FOUND_CURRENT | New issuer in northeastern Minnesota; no matching 2026 increase. | MNsure press release |
| 6. UCare 2027 phase-out · FOUND_CURRENT | UCare individual plans end after 2026 acquisition transition to Medica. | Commerce notice |
| 7. Nine CMS rate areas · FOUND_CURRENT | Nine official county groups; sum 87 county records. | CMS Minnesota map table |
| 8. Exact county geometries · FOUND_CURRENT | 87 true US Census 2020 county polygons and GEOID codes, no stylized silhouettes. | Census TIGERweb |
| 9. 2027 combined plan count · FOUND_CURRENT | 211 medical plus dental choices statewide; not 211 health-only plans. | MNsure press briefing |
| 10. Minimum insurer choice · FOUND_CURRENT | MNsure says at least two companies for all, most have three or more. | 2027 plan lineup |
| 11. Insurer networks/drug lists · FOUND_CURRENT | MNsure directory covers Aspirus, Blue Plus, HealthPartners, Medica, Quartz. | MNsure 2027 networks |
| 12. 40-year-old county price maps · FOUND_CURRENT | Illustrative 2027 second-lowest Silver price by county, before household personalization. | Commerce county price maps |
| 13. Public-program income categories · FOUND_CURRENT | 2027 MinnesotaCare/APTC guidelines differ from Medicaid 2026–27 period. | MNsure income guidelines |
| 14. Reinsurance through 2027 · FOUND_CURRENT | Commerce cites about 20% less than without the program, not a checkout discount. | Premium Security Plan |
| 15. HSA Bronze claim · FOUND_CURRENT | MNsure says all its 2027 Marketplace Bronze offerings are compatible with HSAs. | MNsure 2027 highlights |
| 16. Exact live county plan/price set · NOT_AVAILABLE_AFTER_RESEARCH | Needs current full ZIP, age, household and plan filter; a statewide review cannot quote all. | MNsure 2027 comparison |
| 17. Household eligibility/tax credit · NOT_AVAILABLE_AFTER_RESEARCH | Requires actual family/financial application and potential eligibility changes. | Eligibility verification |
| 18. Patient's exact network/formulary · NOT_AVAILABLE_AFTER_RESEARCH | Live 2027 plan ID, clinician, drug/dosage and provider contracts must be checked. | Carrier-specific network links |
Method: Approved 2027 insurer averages are not personal premiums; 211 is explicitly medical+dental; Aspirus is new with no like-for-like 2026 baseline; 87 real county shapes and all nine CMS areas have been cross-matched one-to-one. This article's images are original illustrative artwork rather than proof of an actual insurer endorsement.
Research & editing by Tú Nguyễn Founder & Research Editor
Tú Nguyễn operates ApexTrusted and researches public insurer, government and regulatory information for its guides. This is editorial research, not a specialist medical or insurance-license review.
Read full editor biographyWhy you can trust this guide
ApexTrusted identifies the dates, geographic scope and limits of the published sources behind each state guide. Carrier availability, prices and networks need plan-specific verification. Referral compensation is disclosed separately from editorial research.
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Use the Minnesota research to compare the options that actually apply to you
The State review explains the market, geography, rate and network context. The next step is to keep those findings attached to your real ZIP, household, providers, prescriptions and current plan choices.