Provider Network Adequacy
Individual Market Networks

Plan Year 2025

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 2025. They offer a total of 22 networks. Seventeen of these networks, from 5 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 rates are determined, visit the Commerce website.

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

All of 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 651-201-3560 or email health.mcs@state.mn.us

Blue Plus

Blue Plus website

Metro MN Network

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 Network

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 Network

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 Inc.

HealthPartners website

HealthPartners Peak

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

Offered: On MNsure, Off MNsure

HealthPartners Select ACO 

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

Offered: On MNsure, Off MNsure

HealthPartners Cornerstone Network

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

Offered: On MNsure, Off MNsure

HealthPartners Apex 

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

Offered: On MNsure, Off MNsure

Medica Insurance Company

Medica website

Altru Prime by Medica

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

Offered: On MNsure, Off MNsure

Medica Applause

Statewide service area.

Offered: On MNsure, Off MNsure

Engage by Medica 

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

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

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

Offered: On MNsure, Off MNsure

Medica Symphony, Encore, Solo, & Direct by Medica

Counties in service area: Aitkin, Anoka, Beltrami, Becker, Benton, Blue Earth, Carlton, Carver, Cass, 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, Pennington, Pine, Polk, Pope, Ramsey, Renville, Rice, Roseau, Saint Louis, Scott, Sherburne, Sibley, Stearns, Steele, Todd, Traverse, Washington, Wilkin, Wright

Offered: Off MNsure

Ridgeview Distinct by Medica 

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

Offered: On MNsure, Off MNsure

Bold by MHealth Fairview and Medica 

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 Network

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

Offered: On MNsure, Off 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 health.managedcare@state.mn.us.