ST. PAUL — Health insurance premiums for thousands of Minnesotans are expected to increase in 2026. The proposed rate hikes are driven by rising health care costs, and federal subsidies designed to make coverage more affordable are set to expire at the end of 2025.

Preliminary filings released by the Minnesota Department of Commerce indicate that insurers are seeking average premium increases ranging from 7% to 26% for 2026 plans on the individual market, and between 7% and 17% on the small group market.

Approximately 202,000 Minnesotans are covered through the small group health insurance market, which includes businesses with two to 50 full-time employees. The individual health insurance market covers around 187,000 state residents who are not eligible for coverage through their emplo

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