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Lowest Monthly Premium Rates* for a 25 year-old, 40 year-old, and 60 year-old, non-smoker in the Saint Paul/Minneapolis Metro Area

25 Year-Old
40 Year-Old
60 Year-Old
Bronze
$90.50     
Bronze
$115.83
Bronze
$244.89
Silver
$130.28     
Silver
$165.84
Silver
$352.17
Gold
$141.16     
Gold
$179.69
Gold
381.59
Platinum
$150.75     
Platinum
$191.90
Platinum
407.51

*Listed rates are the base rates and do not include financial assistance that is available through MNsure

Metal Levels – A Consumer-Friendly Way to Compare Plans

Minnesota consumers will have the option to choose from four categories of health insurance plans, also known as metal levels – bronze, silver, gold, and platinum.  The difference in the metal levels is the cost share paid by the insurance company versus the consumer.  For example, Minnesotans that choose a bronze plan will have to pay 40% of the covered health care expenses through copayments and deductibles.  Individuals who choose a higher metal level will pay a higher monthly premium, but will pay less in their copay and deductible.

  • Bronze level – the plan must cover 60% of expected costs for the average individual
  • Silver level – the plan must cover 70% of expected cost for the average individual
  • Gold level – the plan must cover 80% of expected costs for the average individual
  • Platinum level – the plan must cover 90% of expected costs for the average individual

Approved Rates – The Starting Point for More Savings

Financial assistance will be available on MNsure to help cover the cost of health care insurance premiums for qualifying individuals.  Some Minnesotans may qualify for low-cost or free plans.  Visit www.mnsure.org or contact your agent or broker for more information. 

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