If you’re a Minnesotan between jobs, an early retiree waiting for Medicare, or you missed the deadline for the Affordable Care Act (also known as the ACA), a Minnesota short-term health insurance plan can help provide you the coverage you need.

Is Short-Term Health Insurance Available in Minnesota?

Yes! Minnesota residents can purchase short-term plans with up to six months of coverage. Plans are not renewable, but you can purchase a new six-month policy if needed. However, you cannot purchase more than 12 months of coverage within an 18-month period.1 Each state is responsible for setting its own regulations, so limitations can change.2

Short-term health insurance in Minnesota can be purchased year-round. There’s no enrollment period. And with an average premium of $103 per month,* it could be more affordable than you think.

But, keep in mind that this temporary health insurance is different from comprehensive health insurance plans. If you have a pre-existing condition, you could be denied enrollment. Though Minnesota short-term plans may not be for everyone, they can help provide valuable medical coverage if you end up in the hospital from an injury or illness.

Is Short Term Health Insurance a Good Option?

Short-term plans can be a good option for healthy people who need coverage and are between other coverage options. If you need frequent doctor visits, more comprehensive coverage (like an individual health insurance plan) might be a better choice. 

With premiums starting around $80 per month,* short-term health insurance in Minnesota can be affordable. But keep in mind that benefits, deductibles, coinsurance, and copays can vary between plans and benefit selections.

Sign up for a Minnesota Short-Term Health Insurance Plan

Ready to apply for a short-term health insurance plan in Minnesota, or want to view available plans from multiple insurance companies? Visit HealthMarkets now. In some cases, your coverage could begin as soon as one day after you apply.


1. Minnesota Department of Commerce. Retrieved from https://mn.gov/commerce/consumers/your-insurance/health-insurance/limited-duration-health-plans.jsp#:~:text=Under%20Minnesota%20law%2C%20you%20can,day%20(18%20months)%20period. Assessed March 8, 2021. | 2. Congressional Budget Office. September 25, 2020. Retrieved from https://www.cbo.gov/publication/56622. 

*Average based on premiums for all 2021 short-term health plans sold by HealthMarkets for a 40-year-old non-smoking male making $30,000 per year living in Minneapolis, MN.

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