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Individual Market Proposed Average Rate Changes for Plan Year 2026
The summary table below provides an overview of the proposed 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.
It is important to note these are the initial rates proposed by the insurers and filed with the Departments. Rates are subject to review and approval by the Departments and the final approved rates may vary from these proposed rates for many reasons.
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.
| Insurer | Average rate change from 2025 to 2026 |
|---|---|
| Blue Plus | 16.60% |
| HealthPartners, Inc.* | 12.14% |
| HealthPartners Insurance Company* | 14.49% |
| Medica Insurance Company | 26.03% |
| Quartz Health Plan MN | 7.15% |
| UCare | 14.79% |
* 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 Proposed Average Rate Changes for Plan Year 2026
The summary table below provides an overview of the proposed average rate changes from 2025 in the small group health insurance market, as reported by the insurers.
It is important to note these are the initial rates proposed by the insurers and filed with the Departments. Rates are subject to review and approval by the Departments and the final approved rates may vary from these proposed rates for many reasons.
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.
| Insurer | Average rate change from 2025 to 2026 |
|---|---|
| Blue Cross | 16.30% |
| Blue Plus | 17.00% |
| Health Partners, Inc. | 10.24% |
| Medica Insurance Company | 8.95% |
| Quartz Health Plan MN | 7.67% |
| Sanford | 6.95% |
| UnitedHealthcare Insurance Company | 12.21% |
| UnitedHealthcare of Illinois, Inc. | 13.32% |