Question 1

What's the difference between Medical Assistance, MinnesotaCare, and private MNsure plans?

Accepted Answer

All three cover the basics. Medical Assistance is free with minimal copays. MinnesotaCare has low premiums based on income. Private plans vary in cost but offer more choices.

Question 2

What do Bronze, Silver, Gold, and Platinum plans mean on MNsure?

Accepted Answer

These "metal levels" show how costs are split. Bronze has the lowest monthly cost but highest bills when you use care. Platinum is the opposite - highest monthly cost but lowest bills when sick.

Question 3

Which insurance companies offer plans through MNsure for 2026?

Accepted Answer

Six companies offer plans in 2026: Blue Plus, HealthPartners Inc., HealthPartners Insurance Company (new this year), Medica, Quartz, and UCare. Options vary by where you live.

Question 4

What health services must all MNsure plans cover?

Accepted Answer

All plans must cover 10 essential benefits including hospital care, maternity care, mental health, prescriptions, and preventive care. Children's dental and vision are also required.