Network Adequacy
Individual Market Networks

Plan Year 2026

The individual health insurance market is available for Minnesotans and their families who do not have access to employer-based coverage and are not eligible for coverage through public programs such as Medicare, Medicaid (called “Medical Assistance” in Minnesota) and MinnesotaCare. Consumer protections required in these plans include coverage for preexisting conditions and free preventive care, as well as coverage for prescription drugs and substance use disorder and mental health treatment.

Five health plans are approved to sell individual health coverage in 2026. They offer a total of 19 networks. 16 of these networks, from five different health plans, are offered on MNsure, Minnesota's online health insurance marketplace.

Minnesotans can purchase individual and family health coverage through MNsure, through an insurance agent or broker, or directly from a health plan. MNsure allows individuals and families to shop, compare and choose health insurance coverage that meets their needs and is the only place to apply for financial help to lower the cost of monthly insurance premiums and out-of-pocket costs. MNsure offers free in-person help through their statewide network of certified navigators and brokers.

If you have questions about networks, contact a health plan directly. Please visit the web sites listed below to get the most up to date provider network information from each health plan. The Minnesota Department of Commerce approves rates for individual market products. For information on rates and how they are determined, visit the Commerce website.

Health insurers offering networks for individuals, families, and small employers must meet certain state standards for geographic access. In some situations, they may be unable to meet these standards and are required to submit a Waiver request. Please see our Network Waivers page for approved plan networks.

The following networks are offered in the individual health insurance market. Maps show coverage areas in green.

ADA notice
To obtain this information in a different format, call 651-201-5100 or email networkadequacy@state.mn.us

Blue Plus

Blue Plus website

Metro MN MNN005

Counties in service area: Anoka, Brown, Carver, Chisago, Dakota, Hennepin, Isanti, Kanabec, McLeod, Nicollet, Ramsey, Scott, Sherburne, Sibley, Washington, Wright

Offered: On MNsure, Off MNsure

Blue Plus Southeast MN MNN007

Counties in service area: Blue Earth, Dodge, Faribault, Fillmore, Freeborn, Goodhue, Houston, LeSueur, Martin, Mower, Nicollet, Olmsted, Rice, Steele, Wabasha, Waseca, Watonwan, and Winona

Offered: On MNsure, Off MNsure

Blue Plus Minnesota Value MNN012

Counties in service area: Aitkin, Anoka, Becker, Beltrami, Benton, Big Stone, Brown, Carlton, Carver, Cass, Chippewa, Chisago, Clay, Clearwater, Cook, Cottonwood, Crow Wing, Dakota, Douglas, Grant, Hennepin, Hubbard, Isanti, Itasca, Jackson, Kanabec, Kandiyohi, Kittson, Koochiching, Lac qui Parle, Lake of the Woods, Lake, Lincoln, Lyon, Mahnomen, Marshall, McLeod, Meeker, Mille Lacs, Morrison, Murray, Nobles, Norman, Otter Tail, Pennington, Pine, Pipestone, Polk, Pope, Ramsey, Red Lake, Redwood, Renville, Rock, Roseau, Scott, Sherburne, Sibley, St. Louis, Stearns, Stevens, Swift, Todd, Traverse, Wadena, Washington, Wilkin, Wright, Yellow Medicine

Offered: On MNsure, Off MNsure

HealthPartners Insurance Corporation (HPIC)

HealthPartners website

Alpine *New!

Counties in service area: Becker, Benton, Big Stone, Brown, Carver, Chippewa, Chisago, Clay, Cottonwood, Dakota, Douglas, Grant, Hennepin, Isanti, Jackson, Kandiyohi, Lac Qui Parle, Lincoln, Lyon, McLeod, Meeker, Morrison, Murray, Nobles, Otter Tail, Pipestone, Pope, Ramsey, Redwood, Renville, Rock, Scott, Sherburne, Sibley, Stearns, Stevens, Swift, Todd, Traverse, Washington, Wilkin, Yellow Medicine, Saint Louis, Carlton, Crow Wing, Watonwan, Freeborn, Faribault, Martin, Norman, Polk, Wright, Anoka, 

Offered: On MNsure, Off MNsure

HealthPartners Inc. (HPI)

HealthPartners Peak MNN018/MNN019

Counties in service area: Anoka, Benton, Carver, Dakota, Hennepin, Ramsey, Scott, Sherburne, Stearns, Washington, Wright

Offered: On MNsure-MNN018, Off MNsure-MNN019

*Pediatric dental coverage for off-exchange (MNN019) only.

HealthPartners Select ACO MNN020

Counties in service area: Anoka, Dakota, Hennepin, Ramsey, Scott, Washington

Offered: On MNsure, Off MNsure

HealthPartners Cornerstone MNN016

Counties in service area: Chippewa, Cottonwood, Jackson, Lincoln, Lyon, Murray, Nobles, Pipestone, Rock, Yellow Medicine

Offered: On MNsure, Off MNsure

Medica Insurance Company

Medica website

Altru Prime by Medica MNN015

Counties in service area: Kittson, Marshall, Pennington, Polk, Red Lake, and Roseau

Offered: On MNsure, Off MNsure

Medica Applause MNN011

Statewide service area.

Offered: On MNsure, Off MNsure

Engage by Medica MN014

Counties in service area: Blue Earth, Brown, Dodge, Faribault, Fillmore, Freeborn, Goodhue, Houston, Le Sueur, Martin, Mower, Nicollet, Olmsted, Rice, Steele, Wabasha, Waseca, Watonwan, Winona

Offered: On MNsure, Off MNsure

Essentia ChoiceCare with Medica MNN022

Counties in service area: Becker, Carlton, Cass, Clay, Crow Wing, Hubbard, Itasca, Mahnomen, Norman, Pine, Saint Louis, Wilkin

Offered: On MNsure, Off MNsure

North Memorial Acclaim by Medica MNN012

Counties in service area: Anoka, Hennepin, Ramsey, Sherburne, Wright

Offered: On MNsure, Off MNsure

Medica Symphony, Solo, Encore and Direct MNN020

Counties in service area: Aitkin, Anoka, Becker, Beltrami, Benton, Blue Earth, Carlton, Carver, Chisago, Clay, Crow Wing, Dakota, Douglas, Faribault, Hennepin, Hubbard, Isanti, Itasca, Jackson, Kanabec, Kandiyohi, Lac qui Parle, Le Sueur, Marshall, Martin, McLeod, Meeker, Mille Laces, Morrison, Nicollet, Norman, Olmsted, Otter Tail, Pine, Polk, Pope, Ramsey, Renville, Rice, Roseau, Saint Louis, Scott, Sherburne, Sibley, Stearns, Steele, Todd, Traverse, Washington, Wright

Offered: Off MNsure

Ridgeview Distinct by Medica MNN016

Counties in service area: Carver, Hennepin, Le Sueur, McLeod, Scott, Sibley, Wright

Offered: On MNsure, Off MNsure

Bold by MHealth Fairview MNN017 

Counties in service area: Anoka, Carver, Chisago, Dakota, Hennepin, Isanti, Ramsey, Sherburne, Washington

Offered: On MNsure, Off MNsure

Quartz Health Plan MN Corporation

Quartz Health Plan MN Corporation website

Quartz Select MNN002

Counties in service area: Fillmore, Houston, Wabasha, Winona

Offered: On MNsure

UCare

UCare website

UCare Individual and Family Plans

Counties in service area: Aitkin, Anoka, Becker, Beltrami, Benton, Big Stone, Blue Earth, Brown, Carlton, Carver, Cass, Chippewa, Chisago, Clay, Clearwater, Cook, Cottonwood, Crow Wing, Dakota, Douglas, Goodhue, Grant, Hennepin, Houston, Hubbard, Isanti, Itasca, Jackson, Kanabec, Kandiyohi, Kittson, Koochiching, Lac qui Parle, Lake, Lake of the Woods, Le Sueur, Lincoln, Lyon, McLeod, Mahnomen, Marshall, Martin, Meeker, Mille Lacs, Morrison, Nicollet, Nobles, Norman, Otter Tail, Pennington, Pine, Pipestone, Polk, Pope, Ramsey, Red Lake, Redwood, Renville, Rice, Rock, Roseau, St. Louis, Scott, Sherburne, Sibley, Stearns, Stevens, Swift, Todd, Traverse, Wabasha, Wadena, Washington, Wilkin, Winona, Wright, Yellow Medicine

Offered: On MNsure, Off MNsure

UCare Individual and Family Plans with MHealth Fairview

Counties in service area: Anoka, Carver, Chisago, Dakota, Hennepin, Isanti, Ramsey, Scott, Sherburne, Washington

Offered: On MNsure, Off MNsure

For more information, email networkadequacy@state.mn.us