Health Insurance in Steele County, MN

Compare 29 ACA plans and check your subsidy eligibility.

2025 Plan Year Data2026 data from CMS pending
$307/mo
Bronze from
$377/mo
Silver from
$424/mo
Gold from
$377/mo
Benchmark (SLCSP)

What is the Benchmark (SLCSP)? The Second Lowest Cost Silver Plan — the reference plan used to calculate your premium tax credit (subsidy) amount.

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Population
37,434
Median Income
$79k
Poverty Rate
7.8%
Uninsured
4.0%
Est. Uninsured
1,320
Insurers
2

Bronze Plans (4)

Lowest premium, highest cost-sharing. Best if you are healthy and rarely need care.

Blue Plus Metro MN Bronze $7750
PPO · Blue Cross and Blue Shield of Minnesota
$307/mo
Age 40 premium
Engage by Medica Bronze Share Plus
EPO · Medica Health Plans
$476/mo
Age 40 premium
Medica Applause Bronze Share Plus
EPO · Medica Health Plans
$479/mo
Age 40 premium
Engage by Medica Bronze Copay (First 3)
EPO · Medica Health Plans
$488/mo
Age 40 premium

Expanded Bronze Plans (8)

Like Bronze but with some services covered before you meet your deductible.

Blue Plus Metro MN HSA Bronze $8300
PPO · Blue Cross and Blue Shield of MinnesotaHSA
$324/mo
Age 40 premium
Medica Applause Bronze HSA
EPO · Medica Health Plans
$434/mo
Age 40 premium
Medica Easy Compare Bronze Engage by Medica
EPO · Medica Health Plans
$468/mo
Age 40 premium
Engage by Medica Bronze $0 Copay PCP Visits
EPO · Medica Health Plans
$484/mo
Age 40 premium
Medica Applause Bronze $0 Copay PCP Visits
EPO · Medica Health Plans
$488/mo
Age 40 premium
Blue Plus Southeast MN HSA Bronze $8300
PPO · Blue Cross and Blue Shield of MinnesotaHSA
$495/mo
Age 40 premium
Engage by Medica Bronze HSA
EPO · Medica Health PlansHSA
$518/mo
Age 40 premium
Blue Plus Easy Compare Bronze Blue Plus Southeast MN
PPO · Blue Cross and Blue Shield of Minnesota
$529/mo
Age 40 premium

Silver Plans (10)

Middle ground. Required for cost-sharing reductions if your income is 100-250% FPL.

Blue Plus Metro MN HSA Silver $3300
PPO · Blue Cross and Blue Shield of MinnesotaHSA
$377/mo
Age 40 premium
Medica Applause Silver HSA
EPO · Medica Health PlansHSA
$488/mo
Age 40 premium
Engage by Medica Silver $0 Copay PCP Visits
EPO · Medica Health Plans
$538/mo
Age 40 premium
Medica Easy Compare Silver and Rx Copay Engage by Medica
EPO · Medica Health Plans
$564/mo
Age 40 premium
Engage by Medica Silver Share
EPO · Medica Health Plans
$566/mo
Age 40 premium
Medica Applause Silver Share
EPO · Medica Health Plans
$569/mo
Age 40 premium
Blue Plus Southeast MN HSA Silver $3300
PPO · Blue Cross and Blue Shield of MinnesotaHSA
$575/mo
Age 40 premium
Engage by Medica Silver HSA
EPO · Medica Health PlansHSA
$583/mo
Age 40 premium
Blue Plus Easy Compare Silver and Rx Copay Blue Plus Southeast MN
PPO · Blue Cross and Blue Shield of Minnesota
$593/mo
Age 40 premium
Engage by Medica Silver Copay (First 3)
EPO · Medica Health Plans
$594/mo
Age 40 premium

Gold Plans (5)

Higher premium, lower out-of-pocket. Good if you use medical services regularly.

Blue Plus Metro MN Gold Rx Copay $1200
PPO · Blue Cross and Blue Shield of Minnesota
$424/mo
Age 40 premium
Blue Plus Southeast MN Gold Rx Copay $1200
PPO · Blue Cross and Blue Shield of Minnesota
$647/mo
Age 40 premium
Engage by Medica Gold $0 Copay PCP Visits
EPO · Medica Health Plans
$663/mo
Age 40 premium
Blue Plus Easy Compare Gold and Rx Copay Blue Plus Southeast MN
PPO · Blue Cross and Blue Shield of Minnesota
$676/mo
Age 40 premium
Medica Easy Compare Gold and Rx Copay Engage by Medica
EPO · Medica Health Plans
$697/mo
Age 40 premium

Catastrophic Plans (2)

Very low premium, very high deductible. Only available to people under 30.

Engage by Medica Catastrophic
EPO · Medica Health Plans
$283/mo
Age 40 premium
Medica Applause Catastrophic
EPO · Medica Health Plans
$285/mo
Age 40 premium

Minnesota Expanded Medicaid

Adults with income up to 138% FPL may qualify for Medicaid in Minnesota — often with $0 premiums.

Check Medicaid Eligibility

Calculate Your Costs in Steele County

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Subsidy Calculator

See how much the government will pay toward your premium

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Medicaid Eligibility

Check if you qualify for Minnesota Medicaid program

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True Plan Cost

Compare total annual cost including premiums + expected care

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COBRA vs Marketplace

Is COBRA really better than a subsidized ACA plan?