Individual & family health plans
Coverage you can count on from Minnesota’s #1 health plan*
Special enrollment
Open enrollment for 2025 has ended.
Missed the enrollment window? You may still qualify for a plan through special enrollment.
Overview
Choose your health plan based on where you live in Minnesota
All Blue Plus plans include:
- Leading health systems, hospitals and care professionals
- Primary and specialty care providers
- 100% coverage for in-network preventive care
- Online tools and information that help you take charge of your health
Stay in-network and save
Your out-of-pocket costs will be lower when your doctor, clinic and hospital are in your network. Each plan works with a network of covered providers in the area. Learn more about networks
2026 Plans
Information on 2026 plans will be posted in October.
Enroll in an individual & family plan November 1, 2025 through December 15, 2025 for coverage that begins on January 1, 2026.
We're here to help
Give us a call:
1-800-262-0823 (TTY 711)
Shop through MNsure
MNsure is the only place you can apply for financial help to lower the cost of your monthly insurance premium and out-of-pocket costs.
Blue Plus Plan Options
Blue Plus® Metro MN
Available in these counties:
Anoka, Brown, Carver, Chisago, Dakota, Hennepin, Isanti, Kanabec, McLeod, Nicollet, Ramsey, Scott, Sherburne, Sibley, Washington and Wright
Blue Plus® Southeast MN
Available in these counties:
Blue Earth, Dodge, Faribault, Fillmore, Freeborn, Goodhue, Houston, Le Sueur, Martin, Mower, Nicollet, Olmsted, Rice, Steele, Wabasha, Waseca, Watonwan and Winona
Blue Plus® Minnesota Value
Available in these counties:
Aitkin, Anoka, Becker, Beltrami, Benton, Big Stone, Brown, Carlton, Carver, Cass, Chippewa, Chisago, Clay, Clearwater, Cook, Cottonwood, Crow Wing, Dakota, Douglas, Grant, Hennepin, Hubbard, Isanti, Itasca, Jackson, Kanabec, Kandiyohi, Kittson, Koochiching, Lac qui Parle, Lake, Lake of the Woods, Lincoln, Lyon, Mahnomen, Marshall, McLeod, Meeker, Mille Lacs, Morrison, Murray, Nobles, Norman, Otter Tail, Pennington, Pine, Pipestone, Polk, Pope, Ramsey, Red Lake, Redwood, Renville, Rock, Roseau, Scott, Sherburne, Sibley, St. Louis, Stearns, Stevens, Swift, Todd, Traverse, Wadena, Washington, Wilkin, Wright and Yellow Medicine
Blue Care Advisor
Your plan at your fingertips
Blue Care AdvisorSM connects you to everything you need to easily manage your healthcare. Access your personal plan information, resources and tools online or by downloading the Blue Care Advisor app from your favorite app store.
- Claims and Explanations of Healthcare Benefits (EOBs)
- Deductible and out-of-pocket spending totals
- Medical and vision ID cards that you can easily share
- Find in-network doctors, clinics and hospitals
- Medical spending account balances and transactions
Prescription drug coverage
Visit in-network pharmacies
These plans generally only provide coverage for prescriptions filled at pharmacies in the Essential Pharmacy Network.
Understand what prescription drugs are covered
Prescription drugs on the BasicRx drug list are covered by this plan.
More options
Add coverage to protect your overall health
It's easy to add dental, vision or international travel insurance anytime.
Add a health savings account (HSA)
Some plans are compatible with HSAs from administrators like HealthEquity.®
An HSA allows you to set aside a portion of your earnings pretax to pay for qualified medical expenses. The money in the account is owned by you and stays with you even if you change health plans.
Support and Resources
Why choose Blue Cross?
You can trust your Blue Cross and Blue Shield of Minnesota plan to provide access to quality providers, excellent coverage and benefits that meet your needs.
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Local customer service teams
Find your plan
Shop through MNsure
MNsure is the only place you can apply for financial help to lower the cost of your monthly insurance premium and out-of-pocket costs.
We're here to help
*Individual, Small Group, Large Group, Medicare Supplement data: NAIC enrollment reported for year-end 2021; Self-insured enrollment: EMMA financial statement filings and publicly available information.
If you are eligible for or already have health plan coverage through your employer, contact your employer for information about plan options available to you.
Certain third-party payments may not be accepted.
You must be a resident of Minnesota to buy or renew individual coverage from Blue Cross and Blue Shield of Minnesota or Blue Plus. View residency policy
HMO Minnesota, d.b.a. Blue Plus, an affiliate of Blue Cross and Blue Shield of Minnesota.