What's Changing with Health Insurance

What's Changed with eAPTC

Congress cut tax credits

Congress has reduced the savings you get through MNsure at the end of 2025.. This means costs for our enrollees went up in 2026.

Nearly 90,000 Minnesotans pay more for coverage — on average, about $177 more each month with the expiration of eAPTC

Starting January 1, 2026:
  • There will still be discounts (tax credits) for people who qualify. But the amount of financial help you get will be smaller.
  • Minnesotans who make around $62,000 per year (about $84,000 for a couple) won’t qualify for any tax credits.
Congress is limiting who can get tax credits.
 
Starting January 1, 2027, subsidies will be limited to:
 
  • U.S. Citizens and U.S. Nationals
  • Lawful Permanent Residents (green card holders)
  • Cuban or Haitian entrants
  • Migrants under the Compacts of Free Association (COFA) from the Federated States of Micronesia (FSM), the Republic of the Marshall Islands (RMI), or the Republic of Palau (Palau). 
  • Other non-citizens can still enroll in plan, but they cannot get subsidies. 
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Shop, shop, shop

Plans and prices change every year, but this year there may be big changes. It’s never been more important to shop and look at all your options.

Even if you’ve had the same plan for years, you should compare 2027 plans to make sure you’re getting the best value.

MNsure is here to help

No matter what Congress does, we’re here for you.

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FREE help from an expert

Talk to a MNsure-certified broker and get advice choosing the plan that’s right for you.

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Stabilized costs

Minnesota’s own premium security plan (reinsurance program) keeps premiums 25% lower than they otherwise would be.

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Lower-cost premiums

MNsure is still the only place you can access federal financial help to lower the cost of your monthly premiums.

What you can do

Now

Sign up to get email or text updates from MNsure.

Now

Make an appointment with a MNsure-certified broker. They can help you understand what the federal changes will mean for your family.

October 1

Current customers: See what financial help you qualify for in 2027. Log in to your account.

October 13

Start shopping! After October, you can preview 2027 plans at MNsure.org.

November 1

Open enrollment begins. This is your chance to sign up for private medical and dental plans, or change plans.

December 15

Appy and enroll by December 15, 2026, for a full year of coverage that starts January 1, 2027. (If you miss this deadline, your coverage won’t start until February 1.)

More changes to come

The federal government is making more changes that will make health insurance more expensive and harder for Minnesotans to get.

Future changes include:

  • No more automatic reenrollment. Starting in 2028, if you want tax credits, you will need to take extra steps to maintain your eligibility. We won’t be able to automatically renew your coverage — even if you like your plan.

Federal Medicaid changes

The first changes to Medicaid won’t take effect until fall 2026.

Learn more about what will change with Medicaid, who the changes affect, and when the changes will happen from the Minnesota Department of Human Services.