☎ 952-444-9720Contact us☎ 952-444-9720Contact usWe help individuals and families compare and enroll in ACA Marketplace (MNsure) plans, check whether you qualify for premium subsidies, and screen for MinnesotaCare or Medical Assistance.
Marketplace plans are grouped into metal tiers. Higher tiers cost more each month but cover more of your care when you use it. Most Minnesotans buy these plans through MNsure, where income-based subsidies can lower the premium.
| Tier | What it means in plain language |
|---|---|
| Catastrophic | For people under 30 or with a hardship exemption. Lowest premium; you pay nearly all costs until a very high deductible. |
| Bronze | Plan pays about 60% of covered costs on average. Lowest standard-tier premiums; highest out-of-pocket when you need care. |
| Expanded Bronze | A richer Bronze (roughly 60–65% of costs) that often covers some services before the deductible. |
| Silver | Plan pays about 70%. The only tier where income-based cost-sharing reductions can apply when you enroll through MNsure. |
| Gold | Plan pays about 80%. Higher monthly premium, lower costs when you use care. |
| Platinum | Plan pays about 90%. Highest premium, lowest out-of-pocket costs. Often no longer available — few insurers still offer Platinum plans, and availability varies by county and year. |
Most subsidies are only available when you enroll through MNsure, Minnesota’s health-insurance marketplace. As a MNsure-certified broker, we can enroll you through MNsure and make sure you receive every subsidy you qualify for — at no cost to you. MNsure enrollment details →