Finding the right health insurance can feel like a maze. HealthPartners Insurance offers clear, affordable options for individuals, families, and businesses.
Based in Minnesota, it’s a trusted name for comprehensive care.
This guide explains how it works in simple terms.
What Is HealthPartners Insurance?
HealthPartners Insurance is a nonprofit health plan provider. It serves Minnesota, Wisconsin, and parts of nearby states.
The company offers individual, group, and Medicare plans. It’s part of HealthPartners, which also runs clinics and hospitals.
Plans cover doctor visits, hospital stays, and prescriptions. HealthPartners Insurance emphasizes preventive care and wellness. It’s known for its large provider network. Members get access to quality care close to home.
Why Choose HealthPartners Insurance?
HealthPartners Insurance is reliable and member-focused. It offers plans through the MNsure marketplace and employers. The nonprofit model prioritizes care over profit. This builds trust with members.
The plans are flexible, covering various needs. You get access to over 40,000 providers in the Midwest. Preventive care is often free, promoting health. HealthPartners Insurance suits those seeking value and quality.
How HealthPartners Insurance Works
HealthPartners Insurance operates as an HMO or PPO. HMO plans require in-network providers and a primary care doctor. PPO plans offer more flexibility, including out-of-network care. You choose based on your preferences.
You pay a monthly premium to keep coverage active. Copays and deductibles apply for services. Use the HealthPartners app or website to find providers and manage benefits. Claims are handled seamlessly with in-network care.
Key Plan Features
- Wide Network: Over 40,000 providers, including HealthPartners clinics.
- Preventive Care: Free check-ups, screenings, and vaccines.
- Telehealth: Virtual visits for convenience.
- Wellness Programs: Tools for healthy living, like fitness discounts.
These features make HealthPartners Insurance practical.
Types of HealthPartners Insurance Plans
HealthPartners offers individual, family, and group plans. Marketplace plans, available via MNsure, include Bronze, Silver, and Gold tiers. Employer-sponsored plans are common for businesses. Medicare and Medicaid plans serve seniors and low-income residents.
HMO plans are cost-effective but network-focused. PPO plans allow more provider choice. Dental and vision add-ons are available. Each plan meets different health and budget needs.
Costs of HealthPartners Insurance
Costs depend on the plan and coverage level. Individual marketplace premiums average $350–$700 monthly in 2025. Family plans range from $1,000 to $2,000. Employer plans often split costs with workers.
Deductibles range from $1,500 to $8,500 annually. Copays are typically $20–$50 for in-network visits. Subsidies through MNsure can lower costs for eligible residents.
Table: HealthPartners Marketplace Plan Costs (Monthly, 2025)
| Plan Tier | Premium Range | Deductible | Best For |
|---|---|---|---|
| Bronze | $350–$450 | $6,000–$8,500 | Healthy individuals |
| Silver | $500–$600 | $3,000–$5,000 | Moderate healthcare needs |
| Gold | $600–$700 | $1,000–$2,500 | Frequent medical care |
This table shows estimated costs. Check MNsure for exact rates.
Who Can Get HealthPartners Insurance?
HealthPartners Insurance serves Minnesota and Wisconsin residents. Individual plans are for those without employer coverage. Employees of participating businesses can enroll in group plans. Medicare plans are for those 65+ or with disabilities.
Medicaid, called Medical Assistance in Minnesota, covers low-income residents. Freelancers and small business owners use MNsure for plans. There’s a plan for nearly everyone. Eligibility depends on residency and income.
Benefits of HealthPartners Insurance
HealthPartners Insurance covers essential services. These include hospital stays, doctor visits, and prescriptions. Preventive care, like annual exams, is free under ACA plans. This helps you stay healthy without extra costs.
The network includes top hospitals and clinics. Telehealth offers virtual care for minor issues. Wellness programs encourage healthy habits. These benefits make HealthPartners Insurance valuable.
Additional Perks
- Integrated Care: Access HealthPartners clinics and hospitals.
- Mental Health: Coverage for therapy and counseling.
- Dental/Vision Add-Ons: Optional coverage for extra care.
- Member Discounts: Savings on fitness and wellness services.
These perks enhance the plan’s appeal.
How to Choose a HealthPartners Plan
Start by evaluating your healthcare needs. Consider doctor visits, medications, or planned procedures. Check if your providers are in-network at healthpartners.com. Compare premiums and deductibles on MNsure or with a broker.
Enroll during open enrollment, November 1 to January 15. Special enrollment applies for life events like job loss. Use HealthPartners’ cost estimator tool. This helps you pick the right plan.
Tips for Choosing a Plan
- Verify Providers: Ensure your doctors are in-network.
- Check Subsidies: Estimate tax credits on MNsure.
- Balance Costs: Weigh premiums against out-of-pocket expenses.
- Review Add-Ons: Consider dental or vision if needed.
These steps streamline your decision.
HealthPartners Insurance in 2025
In 2025, HealthPartners Insurance sees a 5–7% premium increase. This reflects rising medical costs. Telehealth and mental health coverage are expanding. New wellness programs offer gym discounts and health coaching.
The network grows to include more rural providers. MNsure plans remain competitive, with 85% of enrollees getting subsidies. Check HealthPartners’ website for updates. This keeps you informed about changes.
Using HealthPartners Insurance
Find in-network providers via healthpartners.com or the mobile app. Show your ID card at visits to avoid upfront costs. In-network care has lower copays, typically $20–$50. Out-of-network care in PPO plans requires claims.
Use telehealth for quick consultations. Pre-authorization may be needed for major procedures. Review your Explanation of Benefits (EOB) to track costs. Customer service (952-883-5000) assists with questions.
Limitations of HealthPartners Insurance
HMO plans limit you to in-network providers. Out-of-network care in PPOs is costly and involves paperwork. Some plans have waiting periods for major services. Cosmetic procedures are rarely covered.
High-deductible plans may not suit frequent healthcare users. Rural areas may have fewer in-network options. Check plan exclusions carefully. This avoids unexpected expenses.
HealthPartners for Small Businesses
Small businesses with 1–50 employees can offer HealthPartners group plans. Premiums average $300–$600 per employee monthly. Employers often cover 50% or more. Tax credits help businesses with fewer than 25 employees.
Group plans include HMO and PPO options. They cover essential benefits and wellness programs. Contact HealthPartners or a broker for quotes. This supports employee health and retention.
Medicare and Medicaid with HealthPartners
HealthPartners offers Medicare Advantage plans for seniors. These include dental, vision, and prescription coverage. Premiums start at $0, with copays of $15–$45. Open enrollment is October 15 to December 7.
Medical Assistance covers low-income Minnesota residents. Apply year-round via MNsure or mnbenefits.mn.gov. HealthPartners manages care for many enrollees. These plans ensure access for eligible groups.
Comparing HealthPartners to Other Insurers
HealthPartners competes with Blue Cross Blue Shield and UCare. Its strength is its integrated care system, with clinics and hospitals. Blue Cross offers larger PPO networks but higher premiums. UCare focuses on Medicaid and Medicare.
HealthPartners’ nonprofit status keeps costs competitive. Compare plans on MNsure for network size and benefits. HealthPartners excels for local, integrated care. Choose based on your priorities.
Planning for Long-Term Coverage
HealthPartners Insurance supports long-term health. Review plans annually during open enrollment. Adjust coverage for life changes, like adding dependents. Use preventive care to avoid major costs.
Pair HDHPs with HSAs for tax-free savings. Stay updated on 2025 changes, like telehealth expansions. HealthPartners’ tools help you plan effectively. This ensures continuous coverage.
Summary
HealthPartners Insurance offers reliable coverage for Minnesota and Wisconsin residents. Plans include HMO, PPO, Medicare, and Medicaid options. Premiums range from $350–$2,000 monthly, with subsidies for many. The network of 40,000 providers ensures access to care.
Preventive care is free, and telehealth is expanding in 2025. Small businesses and individuals benefit from flexible plans. Compare options on MNsure to find the best fit. HealthPartners Insurance delivers quality and value.
FAQ
What is HealthPartners Insurance?
HealthPartners Insurance is a nonprofit health plan provider. It offers HMO, PPO, Medicare, and Medicaid plans. It serves Minnesota, Wisconsin, and nearby areas.
How much does HealthPartners Insurance cost?
Individual premiums average $350–$700 monthly. Family plans cost $1,000–$2,000. Subsidies and employer contributions can lower costs.
Who can enroll in HealthPartners Insurance?
Minnesota and Wisconsin residents qualify. This includes individuals, families, employees, and seniors. Medicaid and Medicare plans have specific eligibility rules.
When is open enrollment for 2025?
Open enrollment is November 1 to January 15. Enroll by December 18 for January coverage. Special enrollment applies for life events.
Does HealthPartners cover telehealth?
Yes, telehealth is covered for virtual doctor visits. It’s included in most plans for convenience. Check your plan for specific details.