Every year, the Minnesota Department of Commerce conducts a thorough review of the rates and plans proposed by health insurance companies in the individual and small group markets. Commerce must approve the rates before the companies can offer them to consumers. Under state law, rates for the following calendar year must be released 30 days prior to the beginning of open enrollment.
Individual health plans are designed for Minnesotans who buy their own coverage rather than receiving it through employer-based insurance or public programs such as Medicare, Medical Assistance and MinnesotaCare. Small group health plans are designed for employers with two to 50 workers.
Individual health insurance market
| Insurer | Average rate change from 2024 to 2025 |
|---|---|
| Blue Plus | 11.56% |
| HealthPartners, Inc. | 9.71% |
| Medica Insurance Company | 1.95% |
| Quartz Health Plan MN | 9.43% |
| UCare | 8.80% |
Small group health insurance market
| Insurer | Average rate change from 2024 to 2025 |
|---|---|
| Blue Cross | 12.37% |
| Blue Plus | 11.60% |
| Health Partners, Inc. | 14.59% |
| Medica Insurance Company | 4.82% |
| Quartz | 15.82% |
| Sanford | -6.29% |
| UnitedHealthcare Insurance Company | 11.10% |
| UnitedHealthcare of Illinois, Inc. | 11.99% |
For both individual and small group plans, the actual impact of rate changes on consumers may be influenced by their specific plan, geographic area, age, renewal date, and tobacco use.
Rate changes do not necessarily translate into premium changes. For instance, these rate changes do not reflect the impact of federal tax credits that are available to eligible Minnesotans who buy their coverage through MNsure, the insurance marketplace created by the Affordable Care Act.
- County-by-county maps
- Learn more about the rate review process
- Learn more about rate review for individual and small group plans
- Compare plans and apply for individual health insurance on MNsure. Open enrollment for 2025 begins Nov. 1, 2024, and runs through Jan. 15, 2025.
- Learn more about health plan rates