Individual Market Final Average Rate Changes for Plan Year 2026 

The summary table below provides an overview of the final average rate changes from 2025 in the individual health insurance market, as reported by the insurers.  

These rate changes do not reflect the impact of federal premium tax credits that are available to eligible Minnesotans who purchase their coverage through MNsure. 

Additionally, the actual rate change a consumer will experience in 2026 can vary from the average – with factors such as specific plan, geographic rating area, and age playing a major role. Notably, the expiration of enhanced Advanced Premium Tax Credits (APTC) may cause many individuals to experience higher net premium increases than what are listed below.

* HealthPartners Insurance Company is new to the exchange for Plan Year 2026. Many individuals will be moved from a HealthPartners Inc. plan to a HealthPartners Insurance Company plan. Determining which rate increase applies would depend on an individual’s service area. 

Small Group Market Final Average Rate Changes for Plan Year 2026 

The summary table below provides an overview of the final average rate changes from 2025 in the small group health insurance market, as reported by the insurers.  

Additionally, the actual rate change a consumer will experience in 2026 can vary from the average – with factors such as specific plan, geographic rating area, age, and renewal date playing a major role.