Medical Plan: Minnesota Advantage Health Plan

• Visit Blue Cross and Blue Shield of Minnesota and HealthPartners websites.  
• The cost level of the clinic you choose determines in part how much you pay when you get care. The lower the cost level, the less you pay. Review details and compare the differences across cost levels 1, 2, 3, and 4.
  
• Find a 2026 Primary Care Clinic. clinic ID number. 
• Get care outside of Minnesota and the counties that border the state (Out-of-Area Care) in 2026. Learn more about getting care outside of the service area. 

Minnesota Advantage Health Plan Premiums

The table below shows how much you will pay each month for medical insurance in 2026. The amount shown is based on a full employer contribution.

Premiums

Schedule of Benefits for Cost Levels

The schedule of benefits provides more information about the different cost levels that impact how much you pay when you get care. 

•  2026 schedule of benefits
•  2025 schedule of benefits
  

High Deductible Health Plan Premium

If your insurance follows the Manager’s Plan or the Commissioner’s Plan, you are eligible for the High Deductible Health Plan (HDHP). 

The 2026 Annual HSA Contribution Maximums are $4,400 for single and $8,750 for family coverage. View more information and rates about the High Deductible Health Plan below.

Find out more about medical benefits outside of open enrollment.