Minnesota’s 2027 ACA Rate Outlook
Minnesota’s proposed 2027 individual market rate increases are averaging 6.91%, less than half the national median of 15%.
For brokers and employers heading into renewal season, that creates a more favorable environment for evaluating individual coverage and alternatives like ICHRA.
Remodel Health is tracking Minnesota’s 2027 filings, participating carriers, and market changes as rates move toward final approval.
What does Minnesota’s 2027 rate outlook mean for brokers?
Minnesota’s proposed 2027 individual market increases are well below the national median. That creates a stronger environment for brokers to evaluate ICHRA as part of the renewal conversation.
A more competitive individual market
More choice for employees
More predictable employer budgeting
Employers decide how much they contribute toward coverage, creating a defined-contribution approach that can give them more control over benefits spending.
ICHRA adoption is accelerating
Minnesota’s rate environment gives brokers more than a favorable number to share. It creates a stronger foundation for helping employers evaluate ICHRA, control contribution strategy, and give employees more choice.
2027 ACA individual market rates by state
On-exchange markets
The chart below breaks down 2027 ACA individual market rate filings by state, current monthly premiums, proposed rate changes, and carrier participation for on-exchange marketplaces.
Note: Remodel Health compiled the data in this chart from preliminary 2027 individual market rate filings. Figures reflect proposed rate changes across plans, rating areas, carriers, and on- and off-exchange coverage. These filings reflect insurers’ requested rates rather than final consumer premiums; state regulators may modify them before setting the official 2027 rates.
Off-exchange markets
The chart below details current plan costs, proposed premium rate increases, and insurance carriers for the off-exchange market in 2027.
Note: Remodel Health compiled the data in this chart from preliminary 2027 individual market rate filings. Figures reflect proposed rate changes across plans, rating areas, carriers, and on- and off-exchange coverage. These filings reflect insurers’ requested rates rather than final consumer premiums; state regulators may modify them before setting the official 2027 rates.
On- and off-exchange markets
The chart below examines participating insurers, available plans, and the preliminary rate changes for the combined on- and off-exchange markets in 2027. The data includes plans offered on both exchanges, as well as policies offered exclusively on one exchange but not the other.
Note: Remodel Health compiled the data in this chart from preliminary 2027 individual market rate filings. Figures reflect proposed rate changes across plans, rating areas, carriers, and on- and off-exchange coverage. These filings reflect insurers’ requested rates rather than final consumer premiums; state regulators may modify them before setting the official 2027 rates.
Are you ready for 2027 individual market changes?
2027 rate filings offer an early look at what employers and employees may encounter during Open Enrollment Period. But while national premium trends are useful general information, they don't show what employees will actually pay. As Open Enrollment approaches, employers should monitor finalized premiums in the markets where their employees live, reexamine their ICHRA contributions, and remind employees to review their 2027 coverage.
If you offer an ICHRA through Remodel Health, we can help you design a personalized benefit strategy, understand local market options, and prepare employees for Open Enrollment. Schedule a call with us today to get your ICHRA benefit ready for 2027.
Note: This page was last updated on August 26, 2026. Individual market rate filings are ongoing, and proposed rates can change as state regulators review and approve final numbers. Remodel Health will continue updating this page as states finalize their 2027 rates.