MNsure
MNsure is Minnesota's official state-run Affordable Care Act health insurance marketplace, operated under the Minnesota Department of Human Services. It enables Minnesota residents to compare private plans from ten carriers, apply for premium tax credits, and enroll in Medical Assistance or MinnesotaCare, free of charge to consumers.
- Company typePrivate
- Founded2013
- HeadquartersSaint Paul, United States
- Headcount101–250
- GTM typeB2C
- OfferingServices
What MNsure does
MNsure is Minnesota's official state-based health insurance marketplace, established in 2013 under the Affordable Care Act and operated under the Minnesota Department of Human Services. The platform enables Minnesota residents to compare and enroll in private qualified health plans from ten partner carriers (including Blue Cross Blue Shield of Minnesota, HealthPartners, Medica, UCare, Quartz, and Humana), apply for premium tax credits and cost-sharing reductions, and determine eligibility for Medical Assistance and MinnesotaCare. Eligibility determination is powered by the Minnesota Eligibility Technology System (METS), an interagency IT platform that routes public-program applications to DHS. The platform is free for consumers and generates no commercial revenue, functioning as a public-sector utility.
The core product surface includes a self-serve online marketplace (enroll.mnsure.org, available 4 a.m. to midnight daily), a financial help calculator and APTC slider, side-by-side plan comparison tools, and an Eligibility Estimator. Distribution is layered: direct-to-consumer online, a statewide network of MNsure-certified brokers and navigators (assisters) accessed via dedicated One Stop portals, county and tribal human services offices, and a contact center supporting 15+ languages. Ancillary programs include the Insulin Safety Net Program (mninsulin.org), IRS Form 1095-A services, and a multi-language educational content library covering enrollment procedures, qualifying life events, and special enrollment periods.
MNsure's business model is non-commercial: it charges no consumer or broker fees and is funded through state appropriations. Its competitive position rests on its exclusive regulatory designation as Minnesota's only ACA-authorized marketplace — the sole gateway through which eligible residents can access federal premium tax credits and integrated Medical Assistance/MinnesotaCare eligibility. The organization is governed by a Board of Directors and led by CEO Libby Caulum, COO Jessica Eguia, CFO Marian Potter, and General Counsel Dave Rowley. Geographic scope is strictly Minnesota; there is no provision for expansion to other states.
MNsure firmographics
Firmographics- Name
- MNsure
- Legal name
- MNsure
- Website
- https://mnsure.org
- Company type
- Private
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- MNsure is Minnesota's official state-run Affordable Care Act health insurance marketplace, operated under the Minnesota Department of Human Services. It enables Minnesota residents to compare private plans from ten carriers, apply for premium tax credits, and enroll in Medical Assistance or MinnesotaCare, free of charge to consumers.
- Ownership category
- akta.pro rank
Where MNsure is headquartered
LocationHeadquarters
- HQ city
- Saint Paul
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
MNsure business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Marketplace Operations (No Direct User Charges): MNsure is Minnesota's official health insurance marketplace established under the Affordable Care Act. It is free for consumers to use. The platform facilitates enrollment in qualified health plans, Medical Assistance, and MinnesotaCare. MNsure does not charge consumers to use the marketplace.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Bronze Plans - Lower monthly premiums, higher out-of-pocket costs |
| Subscription | Monthly | Silver Plans - Moderate premiums, balanced costs, eligibility for cost-sharing reductions |
| Subscription | Monthly | Gold Plans - Higher monthly premiums, lower out-of-pocket costs |
| Subscription | Monthly | Premium Tax Credits |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels6 records
MNsure product offering
Product offeringCore offering
MNsure operates Minnesota's official health insurance marketplace where residents can shop for and enroll in private qualified health plans from multiple carriers, apply for premium tax credits and cost-sharing reductions, and determine eligibility for Medical Assistance (Medicaid) or MinnesotaCare. The platform is integrated with the Minnesota Eligibility Technology System (METS) for eligibility determination and supports free in-person, phone, and virtual enrollment assistance through certified brokers and navigators.
Product overview
MNsure is Minnesota's official health insurance marketplace - a unified platform offering multiple interconnected services. The core product is the marketplace itself, which enables residents to shop for and enroll in qualified health plans from partnered insurance carriers. Integrated with this are financial help programs providing premium tax credits and cost-sharing reductions. The platform also connects to the Minnesota Eligibility Technology System (METS) for determining eligibility for public programs including Medical Assistance and MinnesotaCare, administered through the Department of Human Services. Supporting infrastructure includes the Assister Network (brokers and navigators) accessible through dedicated One Stop portals, an Insulin Safety Net Program running on a separate domain (mninsulin.org), and ancillary tools like the Eligibility Estimator and IRS Form 1095-A services for tax compliance.
Differentiator
Problem solved
Functional benefit
Brands
- Insulin Safety Net Program (mninsulin): A program helping Minnesotans access affordable insulin through urgent need and continuing need programs.
- METS (Minnesota Eligibility Technology System)
Products and services
- MNsure Health Insurance Marketplace Minnesota's official health insurance marketplace where individuals and families can shop for and enroll in private health insurance plans, apply for financial help, and determine eligibility for Medical Assistance or MinnesotaCare. Free for consumers to use.
- Financial Help Programs
Quantifiable outcome
- Premium costs capped at 8.5% of household income for eligible enrollees under ACA enhancements
- +1 more outcomes
Companies that use MNsure
Customer profileSegments6 records
Ideal customer profiles3 records
MNsure technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
MNsure partnerships and signals
Strategic signalPartnerships
Twelve partnerships are on record, tiered core and minor.
- Blue Cross Blue Shield of Minnesota (Blue Plus)coreMajor health insurance carrier offering qualified health plans through the MNsure marketplace. Plans include provider networks and covered prescription drug lists. Blue Plus does not offer 'Pay Now' online payment option through MNsure.
- HealthPartnerscoreHealth insurance carrier offering qualified health plans through MNsure. Provides provider networks, covered drug lists, and cost-sharing reduction plan options. Offers 'Pay Now' online payment option.
- MedicacoreRegional health insurance carrier offering qualified health plans through the MNsure marketplace. Provides provider networks and covered prescription drug lists. Offers 'Pay Now' online payment option.
- UCarecoreMinnesota-based health insurance carrier offering qualified health plans through MNsure. Provides provider networks and covered prescription drug lists. Offers 'Pay Now' online payment option.
- QuartzcoreHealth insurance carrier offering qualified health plans through MNsure. Provides provider networks and covered prescription drug lists. Offers 'Pay Now' online payment option.
- Delta DentalcoreDental insurance carrier offering stand-alone dental plans through MNsure. Provider network available. Offers 'Pay Now' online payment option.
- DentegracoreDental insurance carrier offering stand-alone dental plans through MNsure. Provider networks available. Offers 'Pay Now' online payment option.
- GuardiancoreDental insurance carrier offering dental plans through MNsure. Provider network available. Offers 'Pay Now' online payment option.
- HumanacoreHealth insurance carrier offering qualified health plans through MNsure. Provider network available. Offers 'Pay Now' online payment option.
- Companion Life EMI HealthcoreInsurance carrier offering qualified health plans through MNsure. Provider network available. Offers 'Pay Now' online payment option.
- Minnesota Department of Human Services (DHS)coreState agency partner for Medical Assistance and MinnesotaCare programs. DHS handles eligibility determination and enrollment for public health care programs. MNsure sends applications to DHS for official eligibility review. DHS also hosts MinnesotaCare enrollment and provides customer support for public programs.
- Minnesota Aging PathwaysminorExternal organization providing Medicare assistance referrals for MNsure customers. Contact: 800-333-2433.
Scale indicators2 records
Recent moves6 records
Expansion highlights5 records
MNsure competitors and assessment
Company assessmentMarket position
Competitive moat4 records
Customer concentration
MNsure social profiles
Digital presenceMNsure financial estimates
Financial estimateRevenue estimate
Valuation estimate
MNsure leadership team
Management profileNumber of profiles
Profiles14 records
MNsure funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
MNsure M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about MNsure
What does MNsure do?
MNsure operates Minnesota's official health insurance marketplace where residents can shop for and enroll in private qualified health plans from multiple carriers, apply for premium tax credits and cost-sharing reductions, and determine eligibility for Medical Assistance (Medicaid) or MinnesotaCare. The platform is integrated with the Minnesota Eligibility Technology System (METS) for eligibility determination and supports free in-person, phone, and virtual enrollment assistance through certified brokers and navigators.
Is MNsure a public or private company?
MNsure is a private company. It is classified as state government owned and is currently operating.
When was MNsure founded?
MNsure was founded in 2013. It employs 101 to 250 people.
Where is MNsure based?
MNsure is headquartered in Saint Paul, United States, in the North America region.
How does MNsure make money?
One revenue line is on record: marketplace Operations (No Direct User Charges).
Does MNsure have an API?
No public API is recorded for MNsure.