Minnesota
Cheapest ACA plans in Saint Paul, Minnesota for 2026
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z.
Saint Paul is in Ramsey County, Minnesota. 5 carriers sell 2026 ACA plans on MNsure for residents of Ramsey County, and the cheapest Bronze plan a 40-year-old can enroll in starts at $340/month before any subsidy. Carriers are licensed and rated at the county level, so the plans below cover everyone in Ramsey County, including Saint Paul.
Cheapest plans by metal tier
Lowest 2026 monthly premium for a single 40-year-old in Saint Paul (Ramsey County), on-exchange, before any subsidy. Per-age figures derived from the CMS QHP Landscape file using the HHS standardized age-rating curve (45 CFR 147.102).
| Tier | Cheapest age 40 monthly | Plans in Ramsey County |
|---|---|---|
| Expanded Bronze | $340 | 26 |
| Bronze | $362 | 8 |
| Silver | $384 | 33 |
| Gold | $440 | 19 |
The actual cheapest Bronze plan in Saint Paul
HealthPartners, Inc. Select $8400 HSA Bronze
$340/moFor a family of four (two 40-year-olds and two kids under 14): HealthPartners, Inc. Select $8400 HSA Bronze at $1,154/month before subsidies.
Carriers selling 2026 plans in Saint Paul
5 carriers sell 2026 plans on MNsure for Ramsey County residents. 97 plans total in Ramsey County.
| Carrier | On-exchange plans |
|---|---|
| Medica | 34 |
| HealthPartners, Inc. | 15 |
| UCare Minnesota | 14 |
| HMO MINNESOTA | 13 |
| HealthPartners | 10 |
What you'll actually pay in Saint Paul
Estimated monthly net premium for the cheapest Bronze plan above ($340/mo before subsidy) on MNsure, after federal APTC. APTC is computed against the Ramsey Countybenchmark Silver per 26 USC §36B. Approximate; exact net varies by plan's EHB% and child-rate structure.
Single 40-year-old
| Annual income | FPL % | Federal APTC | Cheapest Bronze net |
|---|---|---|---|
| $25,000 | 160% | $291/mo | $49/mo |
| $40,000 | 256% | $101/mo | $239/mo |
| $60,000 | 383% | $0/mo | $340/mo |
| $100,000 | 639% | — | $340/mo |
Family of 4 (two 40-year-olds, two children)
| Annual income | FPL % | Federal APTC | Cheapest Bronze net |
|---|---|---|---|
| $40,000 | 124% | — | Medicaid likely |
| $80,000 | 249% | $754/mo | $400/mo |
| $130,000 | 404% | — | $1,154/mo |
| $200,000 | 622% | — | $1,154/mo |
FPL = Federal Poverty Level. APTC = Advance Premium Tax Credit (the federal subsidy). Off-exchange and Catastrophic plans are not APTC-eligible. Enter your real income on the home page to see plan-specific net premium with the per-plan EHB-percent cap applied.
Frequently asked questions
What is the cheapest ACA plan in Saint Paul, Minnesota for 2026?
The cheapest Bronze plan a 40-year-old can enroll in is HealthPartners, Inc. Select $8400 HSA Bronze at $340 per month before subsidies. Plans sell through MNsure. Saint Paul is in Ramsey County, Minnesota; carriers are licensed and rated at the county level. Data refreshed 2026-04-19T08:08:55.462Z.
How does Saint Paul's 2026 ACA pricing compare to other Minnesota cities?
Cheapest Bronze for a 40-year-old in Saint Paul is $340 per month before subsidies. For comparison: Minneapolis at $340/mo. Different cities can have different cheapest plans because plans are sold per county and carrier participation varies by jurisdiction.
Is Minnesota on Healthcare.gov?
No. Minnesota runs its own state-based exchange, MNsure, and has since 2014. Healthcare.gov does not serve Minnesota. Enrollment runs through mnsure.org.
What is MinnesotaCare and how is it different from Medical Assistance?
MinnesotaCare is Minnesota’s Basic Health Program (BHP) under ACA §1331. It covers adults 138-200% FPL at low premiums and cost-sharing. Medical Assistance is Minnesota’s Medicaid program, which covers adults 19-64 up to 138% FPL under expansion. Together they close the income gap that, in other states, is filled by subsidized Marketplace plans. Minnesota and New York are the only two states with an active BHP.
Has Minnesota expanded Medicaid?
Yes, effective January 1, 2014. Minnesota expanded Medical Assistance (its Medicaid program) to adults 19-64 up to 138% FPL. Together with MinnesotaCare (138-200% FPL BHP), Minnesota has among the most comprehensive public-coverage ladders of any state.
More Minnesota pricing
- Statewide Minnesota pricing and metal tiers
- Minneapolis pricingcheapest Bronze $340/mo
Sources
- MNsure for SBE enrollment, OEP dates, and APTC application.
- Minnesota Department of Commerce for rate review, carrier filings, and consumer guidance.
- Minnesota Department of Human Services: MinnesotaCare and Medical Assistance for BHP and Medicaid eligibility and enrollment.
- KFF: Minnesota State Health Facts for Medicaid expansion, BHP, and benchmark premium context.
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z. Full pricing pipeline + regulatory references at methodology; ACA terminology in the glossary.