What's Changing with Health Insurance

Congress is cutting tax credits

Congress is reducing the savings you get through MNsure. This means costs are going up for most of our enrollees in 2026.

Nearly 90,000 Minnesotans will pay more for coverage — on average, about $177 more each month.

Starting January 1, 2026:

  • There will still be discounts (tax credits) for people who qualify. But the amount of financial help you get will be smaller.
  • Minnesotans who make around $62,000 per year (about $84,000 for a couple) won’t qualify for any tax credits.
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Shop, shop, shop

Plans and prices change every year, but this year there may be big changes. It’s never been more important to shop and look at all your options.

Even if you’ve had the same plan for years, you should compare 2026 plans to make sure you’re getting the best value.

MNsure is here to help

No matter what Congress does, we’re here for you.

FREE help from an expert

Talk to a MNsure-certified broker and get advice choosing the plan that’s right for you.

Stabilized costs

Minnesota’s own premium security plan (reinsurance program) keeps premiums 25% lower than they otherwise would be.

Lower-cost premiums

MNsure is still the only place you can access federal financial help to lower the cost of your monthly premiums.

What you can do

Now

Sign up to get email or text updates from MNsure.

Now

Make an appointment with a MNsure-certified broker. They can help you understand what the federal changes will mean for your family.

October 1

Get a quick cost estimate for 2026 plans — including any financial help you qualify for. If you’re a current MNsure enrollee, log in to your account to find this information.

October 13

Start shopping! After October 13, you can preview 2026 plans at MNsure.org.

November 1

Open enrollment begins. This is your chance to sign up for private medical and dental plans, or change plans.

December 15

Appy and enroll by December 15, 2025, for a full year of coverage that starts January 1, 2026. (If you miss this deadline, your coverage won’t start until February 1.)

More changes to come

The federal government is making more changes that will make health insurance more expensive and harder for Minnesotans to get.

Future changes include:

  • Shorter open enrollment period. You will have fewer days to compare and pick a plan for 2027 and beyond.
  • New limits on who can get discounts (tax credits). Some lawfully present immigrants will no longer qualify for tax credits as of January 1, 2027.
  • No more automatic reenrollment. Starting in 2028, if you want tax credits, you will need to take extra steps to maintain your eligibility. We won’t be able to automatically renew your coverage — even if you like your plan.