How much does it does cost?

Beginning January 1, 2026, MinnesotaCare premiums will increase and some enrollees who previously did not have a premium, will be required to pay a premium to keep coverage.

Some MinnesotaCare members pay a monthly bill, called a premium, for their insurance. The bill amount depends on your income, family size and the number of family members enrolled in the program.

Some people never have to pay a premium:

Children younger than 21.
American Indians and Alaskan Natives and their families.
Military members and their families for 12 months if they became eligible within 24 months after completing active duty.

Pay your premium online

Find your monthly premium

Figure out what your monthly premium will be using this chart:

Effective Jan. 1, 2026 – Dec. 31, 2026

Household size	1 person	2 people	3 people	4 people	5 people	6 people	7 people	8 people	Monthly premium per person enrolled^*
Annual income	Up to $5,477	Up to $7,402	Up to $9,327	Up to $11,252	Up to $13,177	Up to $15,102	Up to $17,027	Up to $18,952	$0
Annual income	$5,478 to $8,607	$7,403 to $11,632	$9,328 to $14,657	$11,253 to $17,682	$13,178 to $20,707	$15,103 to $23,732	$17,028 to $26,757	$18,953 to $29,782	$4
Annual income	$8,608 to $12,519	$11,633 to $16,919	$14,658 to $21,319	$17,683 to $25,719	$20,708 to $30,119	$23,733 to $34,519	$26,758 to $38,919	$29,783 to $43,319	$6
Annual income	$12,520 to $14,084	$16,920 to $19,034	$21,320 to $23,984	$25,720 to $28,934	$30,120 to $33,884	$34,520 to $38,834	$38,920 to $43,784	$43,320 to $48,734	$8
Annual income	$14,085 to $15,649	$19,035 to $21,149	$23,985 to $26,649	$28,935 to $32,149	$33,885 to $37,649	$38,835 to $43,149	$43,785 to $48,649	$48,735 to $54,149	$10
Annual income	$15,650 to $17,214	$21,150 to $23,264	$26,650 to $29,314	$32,150 to $35,364	$37,650 to $41,414	$37,650 to $41,414	$48,650 to $53,514	$54,150 to $59,564	$12
Annual income	$17,215 to $18,779	$23,265 to $25,379	$29,315 to $31,979	$35,365 to $38,579	$41,415 to $45,179	$47,465 to $51,779	$53,515 to $58,379	$59,565 to $64,979	$14
Annual income	$18,780 to $20,344	$25,380 to $27,494	$31,980 to $34,644	$38,580 to $41,794	$45,180 to $48,944	$51,780 to $56,094	$58,380 to $63,244	$64,980 to $70,394	$15
Annual income	$20,345 to $21,909	$27,495 to $29,609	$34,645 to $37,309	$41,795 to $45,009	$48,945 to $52,709	$56,095 to $60,409	$63,245 to $68,109	$70,395 to $75,809	$16
Annual income	$21,910 to $23,474	$29,610 to $31,724	$37,310 to $39,974	$45,010 to $48,224	$52,710 to $56,474	$60,410 to $64,724	$68,110 to $72,974	$75,810 to $81,224	$25
Annual income	$23,475 to $25,039	$31,725 to $33,839	$39,975 to $42,639	$48,225 to $51,439	$56,475 to $60,239	$64,725 to $69,039	$72,975 to $77,839	$81,225 to $86,639	$37
Annual income	$25,040 to $26,604	$33,840 to $35,954	$42,640 to $45,304	$51,440 to $54,654	$60,240 to $64,004	$69,040 to $73,354	$77,840 to $82,704	$86,640 to $92,054	$44
Annual income	$26,605 to $28,169	$35,955 to $38,069	$45,305 to $47,969	$54,655 to $57,869	$64,005 to $67,769	$73,355 to $77,669	$82,705 to $87,569	$92,055 to $97,469	$52
Annual income	$28,170 to $29,734	$38,070 to $40,184	$47,970 to $50,634	$57,870 to $61,084	$67,770 to $71,534	$77,670 to $81,984	$87,570 to $92,434	$97,470 to $102,884	$61
Annual income	$29,735 to $31,299	$40,185 to $42,299	$50,635 to $53,299	$61,085 to $64,299	$71,535 to $75,299	$81,985 to $86,299	$92,435 to $97,299	$102,885 to $108,299	$71
Annual income	$31,300	$42,300	$53,300	$64,300	$75,300	$86,300	$97,300	$108,300	$80

^*Multiply by number of people in household enrolled in MinnesotaCare for total bill amount

Other costs

Some MinnesotaCare members pay part of their medical bills. This cost sharing is called a copay. It is a fixed amount your pay out of pocket for a specific health care service.

Below are the only costs MinnesotaCare members pay for covered services. MinnesotaCare members have no deductible. Deductibles are required amounts you must pay out of pocket before the insurance pay for your medical bills.

Some people never have copays

People who never have copays are:

Children younger than 21 years old
Pregnant people
American Indians enrolled in a federally recognized Tribe
American Indians who receive services from an Indian health care provider or through a referral from Indian Health Services

Most services do not have a copay

MinnesotaCare covers a broad range of services for preventive care, routine care, specialty care and emergency care. Most services do not have a copay. For example:

$0 for preventive care, such as annual checkups, cancer screenings and vaccinations
$0 for outpatient surgery
$0 for durable medical equipment, like wheelchairs, walkers, oxygen equipment or blood-testing strips for diabetes
$0 for dental visits
$0 for some mental health medicines

These services do have a copay

MinnesotaCare copays:

$25 for brand-name medicines or $10 for generic medicines with a maximum of $70 per month
$28 for doctor-office visits
$100 for emergency room visits ($0 copay if ER visit leads to hospitalization)
$250 for inpatient hospital admission
$45 per visit for radiology services, like X-rays
$10 per pair of eyeglasses

You pay your copay directly to your health care provider. Some providers ask that you pay the copay before you receive care.

Those are the only costs MinnesotaCare members pay for covered services. MinnesotaCare members have no deductible. (Deductibles are required amounts you must pay out of pocket before the insurance pay for your medical bills.)

How do I pay my premium?

Once approved for MinnesotaCare, the insurance begins the month after you pay your premium if you have one. If your premium bill shows $0, skip to step 3.

You need to pay the premium bill by noon on the last business day of the month for the insurance to start on the first day of the next month.
To continue to keep MinnesotaCare, you must pay the premium bill each month. It is due around the 15th of each month. Payments received after 5:00 p.m. or on holidays or weekends will be credited the following business day.

Example first month premium bill

Pay online

Visit payments.dhs.state.mn.us
Select MinnesotaCare from the menu
Fill in your case number, the bill/invoice number and the bill amount.
You can pay by credit card (VISA or MasterCard) or electronic withdrawal from a checking account

Pay now

Pay by phone

Call 800-657-3672. Choose “Option 1” for enrolled, and “Option 1” again to make a payment.
You will need your case number, the bill/invoice number and the bill amount.
You can pay by credit card (VISA or MasterCard) or electronic withdrawal from a checking account.

Pay by mail

Allow enough time for your payment to arrive by the due date on the bill/invoice
Use the MinnesotaCare envelope that comes with your premium notice
Make your check or money order payable to MinnesotaCare, do not mail cash
Write your case number on your check or money order
If you are paying premiums for more than one case, send a separate check or money order for each case
Mail your payment with the payment stub to:
MinnesotaCare
PO Box 64834
St. Paul, MN 55164-0834

Pay in person

Pay your premium at the MinnesotaCare office in downtown St. Paul
You can pay by cash, check or money order. If you pay by cash, you must have the exact amount.
County offices do not take MinnesotaCare payments.

MinnesotaCare Payment Center
First floor, Elmer L. Andersen building
540 Cedar St.
St. Paul, MN

The office is open Monday through Friday, 8 a.m. to 4 p.m. The office is closed on weekends and major holidays.
Metered parking available around building.
Public parking available in the ramp on ground level. Enter on Minnesota Street at rear of building.

I have a question about premiums

If you have questions about premiums, you can look at our FAQs page or call Health Care Consumer Support

Premium FAQs Health Care Consumer Support