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- UCareplans that end for 2027
- About 10 to 21%range of approved 2027 increases by carrier
- 211medical and dental plans on MNsure for 2027
One honest note. I am licensed in Minnesota, but I am not a certified broker with MNsure, the state's own exchange. If you qualify for financial help or want a plan sold there, MNsure and its certified helpers can enroll you, and I will point you to one. Where I can help directly is comparing your options, including private plans sold outside the exchange.
What is happening in Minnesota
UCare plans are gone. UCare was acquired by another carrier in early 2026, and for 2027 only that carrier's own branded plans continue. If you were with UCare, read your renewal notice closely and check that your doctors and prescriptions still work in whatever plan it offers you, because a renewal is not a comparison. A new carrier also joins MNsure in northeast Minnesota for 2027.
Premiums are rising by double digits again. One carrier's approved average increase in the individual market is about 21 percent, and the others fall between roughly 10 and 18 percent. MNsure says every Minnesotan has at least two insurers to choose from, and most have three or more.
Where carriers are leaving
Carrier exits for 2027 are real, and they are spread across the country. Cigna is leaving the individual market in all 11 states where it sells. Baylor Scott & White is leaving Texas, CareSource is leaving Indiana, Ohio and West Virginia, Medica is leaving Iowa, Kansas and Oklahoma, and several smaller carriers are leaving other states. If you moved recently or have family elsewhere, the all states overview lists them.
What this means for you
If you get a subsidy, the headline increase is not what you pay. Your subsidy is recalculated on your estimated 2027 income, and it usually absorbs much of a price increase. Updating your income estimate matters more than the rate filing.
If you do not get a subsidy, you feel the full increase. This is where it pays to compare more than one kind of coverage. Private major medical plans are priced differently from ACA plans, and for some people who pay full price they can cost less for similar coverage. I compare both, side by side, so you can see the real numbers for your household.
The practical point: if your carrier stays, most plans renew automatically at the new 2027 price. If your carrier leaves, you may be moved automatically into a plan someone else picked. Neither checks whether a different plan now costs less or fits your doctors better. That check takes a few minutes.
The dates that matter in Minnesota
Minnesota runs its own exchange, MNsure, so it sets its own calendar. These are the dates MNsure has published for 2027 coverage.
- Fall 2026Renewal notices arrive with your 2027 price. Read it, even if you plan to keep your plan.
- November 1, 2026Open enrollment began on MNsure.
- December 15, 2026Expected deadline for coverage starting January 1, 2027. Confirm on MNsure.org.
- January 15, 2027Open enrollment closes.
What to do, in order
Read your renewal or non renewal notice
It shows your 2027 premium and any plan changes. Compare it with what you pay today.
Write down your doctors and your prescriptions
The physicians you want to keep and the exact drugs with dosages. Networks and drug lists change from year to year even when the carrier stays.
Update your income estimate for 2027
Your subsidy is based on your estimated income for the year ahead. If it changed, your real cost changes with it.
Compare before December 15
That is the last day to pick a plan that starts January 1 in Minnesota. Compare on total cost, meaning premium plus deductible plus what you expect to use, and include private options if you pay full price.
Common questions
Is my health insurance company leaving Minnesota in 2027?
UCare plans are ending. UCare was acquired by another carrier in early 2026, and for 2027 only that carrier's own branded plans continue. Every Minnesotan still has at least two insurers to choose from on MNsure.
Why is my premium changing for 2027?
Approved 2027 individual increases in Minnesota range from roughly 10 percent to about 21 percent depending on the carrier. If you get a subsidy, your net cost depends on your 2027 income.
Do I have to use a broker?
No. You can enroll yourself at MNsure at no cost. A licensed broker also costs you nothing, because brokers are paid by the carriers and the premium is identical either way. A broker can also show you private plans that are not sold on the marketplace.