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Health Insurance in Brown County, MN — 2026 Plans & Premiums

54 ACA marketplace plans are available in Brown County, MN, from 1 insurer. The cheapest plan starts at $362.57/month before subsidies.

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54

Plans Available

$362.57

Cheapest Plan/mo

1

Insurers

MNsure

Exchange

Insurers Serving Brown

HMO Minnesota

Plans Available in Brown

Sorted by monthly premium · 30-year-old · Before subsidies

1
Bronze
PPO
HSA

HMO Minnesota Blue Plus Metro MN HSA Bronze Plan 458

HMO Minnesota

$362.57/mo

Ded: $8,500

2
Bronze
PPO
HSA

HMO Minnesota Blue Plus Minnesota Value HSA Bronze Plan 400

HMO Minnesota

$381.27/mo

Ded: $8,500

3
Bronze
PPO
HSA

HMO Minnesota Blue Plus Metro MN Bronze Plan 459

HMO Minnesota

$383.86/mo

Ded: $7,750

4
Bronze
PPO
HSA

HMO Minnesota Blue Plus Minnesota Value Bronze Plan 403

HMO Minnesota

$396.93/mo

Ded: $5,800

5
Bronze
PPO
HSA

HMO Minnesota Blue Plus Minnesota Value Bronze Plan 406

HMO Minnesota

$403.66/mo

Ded: $7,750

6
Bronze
PPO
HSA

HMO Minnesota Blue Plus Easy Compare Bronze Blue Plus Minnesota Value Plan 408

HMO Minnesota

$409.75/mo

Ded: $7,500

7
Silver
PPO
HSA

HMO Minnesota Blue Plus Metro MN HSA Silver Plan 453

HMO Minnesota

$410.93/mo

Ded: $3,400

8
Silver
PPO
HSA

HMO Minnesota Blue Plus Minnesota Value HSA Silver Plan 401

HMO Minnesota

$432.13/mo

Ded: $3,400

Average Premiums in Brown

Avg Bronze Plan

$454/mo

22 plans

Avg Silver (Subsidy Benchmark)

$545/mo

Eligible for CSR cost reductions

Nearby Counties in Minnesota

Blue Earth Cottonwood Nicollet Redwood Renville Watonwan

All Counties in Minnesota

Central Minnesota — Morrison & Todd CountiesClearwaterCrow WingDuluth Area — Northeast MinnesotaFargo-Moorhead Area — Northwest MinnesotaFergus Falls Area — West Central MinnesotaFillmoreFreebornGoodhueHennepinItascaKanabecLe SueurMahnomenMankato Area — South Central MinnesotaMartinMinnesota's North Shore & Boundary WatersMurrayNicolletNormanNorth Central Minnesota — Aitkin & Beltrami CountiesNorth Central Minnesota Lakes — Cass & Hubbard CountiesNorthwest Minnesota — Red River ValleyPolkRedwoodRochester Area — Southeast MinnesotaRoseauSouth Central Minnesota — Faribault & Watonwan CountiesSouth Central Minnesota — McLeod & Sibley CountiesSouthwest Minnesota — Marshall AreaSt. Cloud Area — Central MinnesotaTwin Cities — St. Paul & Anoka CountiesTwin Cities Exurbs — Carver & Sherburne CountiesTwin Cities North Exurbs — Chisago & Isanti CountiesTwin Cities South Suburbs — Dakota & Scott CountiesWasecaWillmar Area — West Central MinnesotaWinona Area — Southeast MinnesotaWright

More Minnesota Health Insurance Guides

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Best Health Insurance in Minnesota

Compare Minnesota's top-rated plans, ranked by official quality scores — Brown premiums run differently the statewide picture.

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Frequently asked questions about ACA insurance in Minnesota

What is the health insurance marketplace in Minnesota?

The Minnesota (MN) health insurance marketplace is MNsure (https://www.mnsure.org/), a state-based ACA exchange where residents compare and enroll in qualified health plans. Policymage lists 54 plans with live premium data. Open Enrollment runs November 1 through January 15.

How do I compare health insurance plans in Minnesota?

Use policymage.com/get-quotes: enter your ZIP code, household ages, and income. Policymage fetches ACA Marketplace plans for your county, calculates APTC subsidies, and lets you compare up to 3 plans side-by-side on premium, deductible, network, and benefits. Free, no account, no broker bias. Plans in Minnesota start from $362.57/month before subsidies.

Which Medicaid plan is best in Minnesota?

There is no single "best" Medicaid plan in Minnesota — Medicaid is administered through MCOs such as Blue Cross Blue Shield of Minnesota, Medica, HealthPartners. The right plan depends on your county, doctors, and prescriptions. Medicaid (income up to 138% FPL, ~$21,597/year for an individual) is separate from ACA Marketplace plans at MNsure. Apply year-round through your state Medicaid office.

Is short-term health insurance available in Minnesota?

Short-term health insurance is sold outside the ACA Marketplace in Minnesota by private insurers. These plans are not ACA-compliant: they can exclude pre-existing conditions, skip Essential Health Benefits, and lack guaranteed renewal. For comprehensive coverage with subsidies, enroll in an ACA Marketplace plan at MNsure during Open Enrollment (Nov 1–January 15). See policymage.com/faq for more on short-term vs ACA plans.

How much is health insurance in MN?

Health insurance in MN starts as low as $362.57/month for a 30-year-old on a Bronze plan before subsidies. Most Minnesota residents who qualify for APTC pay significantly less — some as low as $0/month for a Silver plan.

What is the cheapest health insurance option in MN for 2026?

The cheapest ACA option in MN for 2026 is typically a Bronze-tier plan or, for residents under 30, a catastrophic plan — both carry the lowest monthly premium in exchange for a higher deductible. Compare exact Minnesota plans and prices at policymage.com/get-quotes.

When does Open Enrollment end in Minnesota for ACA plans?

Open Enrollment for Minnesota residents runs from November 1 through January 15. Minnesota runs its own exchange (MNsure), which set the January 15 deadline. Outside Open Enrollment, you need a Qualifying Life Event to enroll in a Special Enrollment Period.

How much does ACA health insurance cost in Minnesota?

Bronze-tier plans in Minnesota start as low as $362.57/month for a 30-year-old before subsidies. With APTC tax credits, many Minnesota residents pay $0–$50/month for Bronze coverage. Costs vary by age, county, tobacco use, and household size.

Does Minnesota use HealthCare.gov or its own state exchange?

Minnesota runs its own state-based Marketplace called MNsure (https://www.mnsure.org/). You enroll there directly — not at HealthCare.gov. Plan offerings, enrollment dates, and customer support are managed by Minnesota, not the federal government.

Has Minnesota expanded Medicaid under the ACA?

Yes. Minnesota has expanded Medicaid, so adults with household income up to 138% of the Federal Poverty Level (approximately $21,597/year for an individual) qualify for free or very low-cost Medicaid. There's no Open Enrollment window — you can apply year-round.

What are the income limits for ACA subsidies in Minnesota?

Premium Tax Credit eligibility starts at 100% of the Federal Poverty Level — about $15,650/year for an individual or $32,300/year for a family of 4. Minnesota residents above 400% FPL still qualify if benchmark Silver costs more than 8.5% of their income. Use the MNsure subsidy calculator for your exact estimate.

What are the metal tiers in Minnesota (Bronze, Silver, Gold, Platinum)?

Minnesota ACA plans come in four metal tiers based on actuarial value (the percentage of medical costs the plan covers on average): Bronze (~60%), Silver (~70%), Gold (~80%), and Platinum (~90%). Bronze has the lowest premium and highest deductible; Platinum has the highest premium and lowest deductible. Silver is the "benchmark" tier used to calculate APTC subsidies, and it's the only tier eligible for Cost-Sharing Reductions if you qualify by income.

Are HSA-eligible plans available in Minnesota?

Yes. HSA-eligible High-Deductible Health Plans (HDHPs) are available in Minnesota through MNsure. For 2026, HDHPs must have a deductible of at least $1,650 (individual) or $3,300 (family), and you can contribute up to $4,300 (individual) or $8,550 (family) to your HSA pre-tax. HSA contributions roll over year-to-year and can be invested.

Do Minnesota ACA plans cover dental and vision?

Minnesota ACA Marketplace plans for adults include preventive care, mental health, prescriptions, hospitalization, and the 10 Essential Health Benefits — but adult dental and vision are not federally required. Most Minnesota plans cover pediatric dental and vision automatically. For adult dental/vision, you typically buy a separate standalone plan through MNsure or directly from an insurer.

What is a Qualifying Life Event for Special Enrollment in Minnesota?

Outside Open Enrollment, Minnesota residents can enroll in or change ACA plans within 60 days of a Qualifying Life Event: loss of other health coverage, marriage or divorce, birth or adoption of a child, moving to a new county or state, a change in income that affects subsidy eligibility, becoming a US citizen, or release from incarceration. Have documentation ready when applying through MNsure.

How do I find in-network doctors and hospitals in Minnesota?

Each Minnesota ACA plan has its own provider network. Before enrolling, look up the plan on MNsure, click the carrier name to access their provider directory, and search for your specific doctors and preferred hospitals by name. Out-of-network care typically isn't covered (HMO plans) or costs significantly more (PPO plans). If you have an existing provider relationship, network match is usually more important than the lowest premium.

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