🩺 Health insurance cost in Minnesota (2026)
The estimated average is $392 per month — below the national average (-30% vs. the U.S. average of $560).
Minnesota is home to about 5.7 million people, and health insurance here runs below the national average. Below, estimate a price for your own profile, then drill into your city — rates in a large metro like Minneapolis typically differ from smaller towns.
Estimate your health insurance in Minnesota
Minnesota health insurance estimator
Starts from the Minnesota average. Estimate only — get quotes to confirm.
Health insurance cost in Minnesota cities
| City | Population | Est. health insurance |
|---|---|---|
| Minneapolis | 425,336 | $398 |
| Saint Paul | 303,176 | $398 |
| Rochester | 121,878 | $392 |
| Duluth | 86,697 | $386 |
Minnesota health insurance FAQ
How much is health insurance in Minnesota?
The estimated average health insurance in Minnesota is $392 per month, which is below the national average (-30% vs. the U.S. average of $560). Minnesota ranks 51 of 51 states from most to least expensive.
Why is health insurance cheaper in Minnesota?
Health insurance pricing in Minnesota reflects local risk factors — weather and catastrophe exposure, accident/claim frequency, repair and medical costs, and state regulation. That’s why costs differ across the Midwest.
How can I save on health insurance in Minnesota?
Compare at least three quotes from insurers active in Minnesota, bundle policies, and re-shop every year. Use the calculator above to see how your profile changes the price.