How much does it cost?

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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.

After you apply, you will be told if you qualify for MinnesotaCare. You then need to pay your first monthly premium for your insurance to begin.

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

Household size	1 person	2 people	3 people	4 people	5 people	6 people	7 people	8 people	*Monthly premium (multiply by number of people in household enrolled in MinnesotaCare for total bill amount)**
Annual income	Up to $24,095	Up to $32,703	Up to $41,311	Up to $49,919	Up to $58,527	Up to $67,135	Up to $75,743	Up to $84,351	$0
Annual income	Up to $25,601	Up to $34,747	Up to $43,893	Up to $53,039	Up to $62,185	Up to $71,331	Up to $80,477	Up to $89,623	$4
Annual income	Up to $27,107	Up to $36,791	Up to $46,475	Up to $56,159	Up to $65,843	Up to $75,527	Up to $85,211	Up to $94,895	$9
Annual income	Up to $28,613	Up to $38,835	Up to $49,057	Up to $59,279	Up to $69,501	Up to $79,723	Up to $89,945	Up to $100,167	$15
Annual income	Up to $30,119	Up to $40,879	Up to $51,639	Up to $62,399	Up to $73,159	Up to $83,919	Up to $94,679	Up to $105,439	$21
Annual income	Equal to or less than $30,120	Equal to or less than $40,880	Equal to or less than $51,640	Equal to or less than $62,400	Equal to or less than $73,160	Equal to or less than $83,920	Equal to or less than $94,680	Equal to or less than $105,440	$28

*Monthly premium amounts through December 2025

Monthly premiums have been temporarily lowered through December 2025 due to a federal law during COVID-19. Many people will pay no monthly premium until the premiums return to previous amounts in 2026.

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.

Some people never have copays:

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

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

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 make 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.)