Question 1

How much do MNsure plans cost in 2026?

Accepted Answer

The average Silver plan costs about $752/month for a 40-year-old before any discounts. Premiums are going up about 21% for 2026, but tax credits can significantly reduce what you pay.

Question 2

How are tax credits calculated to lower my monthly premium?

Accepted Answer

Tax credits are based on your income, household size, and the cost of the benchmark Silver plan in your area. Lower incomes get bigger credits.

Question 3

What are Cost-Sharing Reductions and how do I get them?

Accepted Answer

Cost-Sharing Reductions lower your deductibles and copays if you earn between $15,650-$39,125/year (single person). You must choose a Silver plan to get this benefit.

Question 4

What does MinnesotaCare cost?

Accepted Answer

MinnesotaCare premiums are based on income - some people pay nothing, while others pay based on what they can afford. A typical doctor visit copay is $28.