Health Insurance Plans in Crow Wing County, Minnesota (2026)
50 ACA marketplace (Obamacare) plans are available in Crow Wing County, MN, from 4 insurers. The cheapest plan starts at $370.35/month before subsidies.
That ranks 16th lowest of the 40 county areas we track in Minnesota, 3% below the statewide median of $381.78.
Last updated: October 5, 2026 · Source: Official Marketplace Data · How we calculate this
Covers Brainerd, Baxter, Breezy Point, Pequot Lakes, Crosslake, Crosby and nearby communities.
50
Plans Available
$370.35
Cheapest Plan/mo
4
Insurers
MNsure
Exchange
Insurers With the Cheapest Plans in Crow Wing
Plans Available in Crow Wing
Sorted by monthly premium · 30-year-old · Before subsidies
Medica Insurance Company Essentia Choice Care with Medica Bronze Share Plus
Medica Insurance Company
$370.35/mo
Ded: $5,000
Medica Insurance Company Essentia Choice Care with Medica Bronze $0 Copay PCP Visits
Medica Insurance Company
$376.46/mo
Ded: $7,500
Medica Insurance Company Essentia Choice Care with Medica Bronze Copay (First 3)
Medica Insurance Company
$377.64/mo
Ded: $7,500
Medica Easy Compare Bronze Essentia Choice Care
Medica Insurance Company
$382.72/mo
Ded: $7,500
Medica Insurance Company Essentia Choice Care with Medica Bronze HSA
Medica Insurance Company
$388.62/mo
Ded: $7,500
HMO Minnesota Blue Plus Minnesota Value HSA Bronze Plan 400
HMO Minnesota
$392.72/mo
Ded: $8,500
UCare Bronze HSA
UCare Minnesota
$394.62/mo
Ded: $8,500
HMO Minnesota Blue Plus Minnesota Value Bronze Plan 403
HMO Minnesota
$408.85/mo
Ded: $5,800
Average Premiums in Crow Wing
Avg Bronze Plan
$408/mo
20 plans
Avg Silver Plan
$481/mo
Eligible for CSR cost reductions
Deductibles & Out-of-Pocket Limits in Crow Wing
The premium is what you pay monthly; the deductible is what you pay before the plan starts sharing costs, and the out-of-pocket maximum is the most you can pay in a year. A cheaper premium usually means a higher deductible.
| Metal tier | Plans | Typical deductible | Deductible range | Typical out-of-pocket max |
|---|---|---|---|---|
| Bronze | 20 | $7,500 | $5,000–$8,600 | $9,925 |
| Silver | 18 | $3,600 | $1,600–$4,500 | $9,200 |
| Gold | 12 | $2,000 | $1,200–$3,400 | $8,200 |
Typical is the middle plan in each tier, not an average, since one $0-deductible variant would otherwise drag the figure below anything on offer. Silver plans can carry much lower deductibles than shown if you qualify for cost-sharing reductions. Check what you qualify for.
$0 and low-cost health insurance in Crow Wing County
Adults in Crow Wing County earning up to 200% of the poverty level ($31,920 a year for one person) usually enroll in MinnesotaCare instead of a tax-credit plan.
Medicaid: Minnesota expanded Medicaid, so adults earning up to 138% of the poverty level ($22,025 a year for one person, $45,540 for a family of four) usually qualify, and can apply any time of year.
Minnesota adds its own help: MinnesotaCare. Who qualifies
Nearby Counties in Minnesota
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Health Insurance in Minnesota
Compare Minnesota's lowest-premium plans. See how Crow Wing's $370.35/mo starting premium compares to the statewide picture.
View statewide plans Get a QuoteSee Your Actual Price
Enter your ZIP, age, and income for Crow Wing to see subsidy-adjusted prices.
Compare plansFrequently 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 50 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 4 plans side-by-side on premium, deductible, network, and benefits. Free, no account, no broker bias. Plans in Minnesota start from $370.35/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, ~$22,025/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 (November 1 to 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 $370.35/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 Bronze plan.
What is the cheapest health insurance option in MN for 2027?
The cheapest ACA option in MN for 2027 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.
How do I get health insurance in Minnesota?
To get health insurance in Minnesota, enroll in an ACA Marketplace plan through MNsure during Open Enrollment, which runs November 1 through January 15. Plans start at $370.35/month before subsidies. You need your ZIP code, household size, and estimated annual income to apply. Outside Open Enrollment you need a Qualifying Life Event (job loss, marriage, birth, or a move) to enrol through a Special Enrollment Period.
What is the best health insurance in Minnesota?
There is no single best health insurance plan in Minnesota; total annual cost depends on your doctors, prescriptions, and how much care you use. Policymage does not recommend plans. It lets you compare 50 Minnesota plans on premium, deductible, network, and quality rating. Total annual cost is the premium × 12 plus your expected deductible and copays. Cost-Sharing Reductions lower deductibles and copays for incomes between 100% and 250% FPL, and apply only to Silver plans.
How much is health insurance in Minnesota per month?
Health insurance in Minnesota starts at $370.35 per month for a Bronze plan for a 30-year-old, before subsidies. Most residents who qualify for APTC tax credits pay considerably less, and some pay $0/month for a Bronze plan. Your exact monthly cost depends on age, county, household size, and tobacco use.
How do I get free health insurance in Minnesota?
Free or near-free coverage in Minnesota comes from two routes. Medicaid covers adults earning up to 138% of the Federal Poverty Level (roughly $22,025/year for an individual), and you can apply year-round. Above that, APTC subsidies bring many Bronze Marketplace plans to $0/month for Minnesota residents on lower incomes.
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 health insurance cost in Minnesota?
Health insurance in Minnesota starts as low as $370.35/month for a 30-year-old on a Bronze plan 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 $22,025/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 credits cover household income from 100% to 400% of the Federal Poverty Level: about $15,960 to $63,840 a year for an individual, or $33,000 to $132,000 for a family of 4. Below 138% FPL most adults qualify for Medicaid instead. Above 400% FPL there is no credit in 2027: the enhanced rules that removed that limit expired after 2025. Use the MNsure subsidy calculator for your exact estimate.
Does Minnesota have its own health insurance subsidy?
Yes. MinnesotaCare: Minnesotans with income up to 200% of the poverty level who do not qualify for Medical Assistance can enroll in MinnesotaCare, low-cost coverage run by the state. This is in addition to the federal premium tax credit.
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 $1,700 (individual) or $3,400 (family), and you can contribute up to $4,400 (individual) or $8,750 (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). Out-of-network costs can exceed the premium difference between plans.
Compare Plans in Crow Wing
Enter your ZIP code, age, and income to see all plans available to you, with your actual subsidy applied, or see how Crow Wing compares to the Minnesota state average.
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Plans shown based on input. Not insurance advice. Policymage is not a licensed broker or agent.