Small group health plans are designed for businesses and organizations with 2 to 50 full-time employees. Consumer protections required in these plans include coverage for preexisting conditions and free preventive care, as well as coverage for prescription drugs and substance use disorder and mental health treatment.

Employers can purchase small group health coverage for their employees directly through an insurance agent or broker, or directly from a health plan. These plans are not sold on MNsure, Minnesota’s online health insurance marketplace. Eight health plans are approved to sell coverage in 2025 and offer a total of 24 networks.

If you have questions about networks, contact a health plan directly. Please visit the web sites listed below to get the most up to date provider network information from each health plan.

The Minnesota Department of Commerce approves rates for individual market products. For information on rates and how rates are determined, visit the Commerce website.

Health insurers offering a health care provider network for individuals, families, and small employers need to meet certain state standards for geographic access. In some situations they may be unable to meet these standards and are required to submit a Provider Network Waiver request. Please see our Provider Network Waivers page to review waivers for approved provider networks.

All of the following networks are offered in the small group health insurance market. Maps show coverage areas in green.

Blue Cross Blue Shield of Minnesota

Blue Cross Blue Shield of Minnesota website

Aware Network

Statewide service area.

Offered: Off MNsure

Map of Minnesota counties in Aware Network service area

Blue Plus

Blue Plus website

High Value Network

Statewide service area.

Offered: Off MNsure

Map of Minnesota counties in Group Value Network service area

HealthPartners, Inc. (HPI)

HealthPartners, Inc. website

Open Access Network

Counties in service area: Anoka, Benton, Carver, Chippewa, Chisago, Clay, Cottonwood, Dakota, Douglas, Hennepin, Isanti, Jackson, Kandiyohi, Lincoln, Lyon, McLeod, Meeker, Mille Lacs, Morrison, Murray, Nobles, Pipestone, Ramsey, Rock, Scott, Sherburne, Stearns, Todd, Washington, Wadena, Wright, Yellow Medicine

Offered: Off MNsure

Map of Minnesota counties in Open Access Network service area

Open Access Perform Network

Counties in service area: Anoka, Benton, Carver, Chisago, Chippewa, Clay, Cottonwood, Dakota, Douglas, Hennepin, Isanti, Jackson, Kandiyohi, Lincoln, Lyon, McLeod, Meeker, Mille Lacs, Morrison, Murray, Nobles, Pipestone, Ramsey, Rock, Scott, Sherburne, Stearns, Todd, Washington, Wadena, Wright, Yellow Medicine

Offered: Off MNsure

Map of Minnesota counties in Perform Access Network service area

Achieve Network

Counties in service area: Anoka, Carver, Dakota, Hennepin, McLeod, Ramsey, Sherburne, Scott, Washington, Wright

Offered: Off MNsure

Map of Minnesota counties in Achieve Network service area

CentraChoice SE Network

Counties in service area: Benton, Douglas, Kandiyohi, Meeker, Morrison, Sherburne, Stearns, Todd, Wadena, Wright

Offered: Off MNsure

Map of Minnesota counties in Centra Choice SE Network service area

Cornerstone Network

Counties in service area: Chippewa, Cottonwood, Jackson, Lincoln, Lyon, Murray, Nobles, Pipestone, Rock, Yellow Medicine

Offered: Off MNsure

Cornerstone Network map

Select ACO SE

Counties in service area: Anoka, Dakota, Hennepin, Ramsey, Scott, Washington

Offered: Off MNsure

Map of Minnesota counties in Select ACO Network service area

Tierred Choice

Counties in service area: Anoka, Dakota, Hennepin, Ramsey, Scott, Washington

Offered: Off MNsure

Map of Minnesota counties in Tierred Choice Network service area

HealthPartners Insurance Corporation (HPIC)

HealthPartners Insurance Corporation website

HPIC Open Access Network

Counties in service area: Aitkin, Becker, Beltrami, Big Stone, Blue Earth, Brown, Carlton, Cass, Clearwater, Cook, Crow Wing, Dodge, Faribault, Fillmore, Freeborn, Goodhue, Grant, Houston, Hubbard, Itasca, Kanabec, Kittson, Koochiching, Lac Qui Parle, Lake, Lake of the Woods, Le Sueur, Mahnomen, Marshall, Martin, Mower, Nicollet, Norman, Olmsted, Otter Tail, Pennington, Pine, Polk, Pope, Red Lake, Redwood, Renville, Rice, Roseau, Saint Louis, Sibley, Steele, Stevens, Swift, Traverse, Wabasha, Waseca, Watonwan, Wilkin, Winona (updated for 2024)

Offered: Off MNsure

Open Access Network map

HPIC Open Access Perform Network

Counties in service area: Aitkin, Becker, Beltrami, Big Stone, Brown, Carlton, Cass, Clearwater, Cook, Crow Wing, Goodhue, Grant, Hubbard, Itasca, Kanabec, Kittson, Koochiching, Lac Qui Parle, Lake, Lake of the Woods, Le Sueur, Mahnomen, Marshall, Nicollet, Norman, Otter Tail, Pennington, Pine, Polk, Pope, Red Lake, Redwood, Renville, Rice, Roseau, Saint Louis, Sibley, Stevens, Swift, Traverse, Wilkin (updated for 2024)

Offered: Off MNsure

Perform Network map

Medica Insurance Company

Medica Insurance Company website

Medica Elect Network

Counties in service area: Anoka, Benton, Brown, Carlton, Carver, Chisago, Dakota, Goodhue, Hennepin, Isanti, Kanabec, Kandiyohi, Lake, Le Sueur, McLeod, Meeker, Mille Lacs, Nicollet, Pine, Ramsey, Rice, Scott, Sherburne, Sibley, Saint Louis, Wabasha, Washington, Wright

Offered: Off MNsure

Map of Minnesota counties in Medica Elect Network service area

Medica Choice Passport Network

Statewide service area.

Offered: Off MNsure

Map of Minnesota counties in Medica Choice Passport Network service area

Medica CompleteHealth Network

Counties in service area: Blue Earth, Dodge, Faribault, Fillmore, Freeborn, Goodhue, Houston, Le Sueur, Martin, Mower, Nicollet, Olmsted, Rice, Steele, Wabasha, Waseca, Watonwan, Winona

Offered: Off MNsure

Map of Minnesota counties in Medica Complete Health Network service area

VantagePlus with Medica Network

Counties in service area: Anoka, Carver, Chisago, Dakota, Hennepin, Isanti, Ramsey, Scott, Sherburne, Washington, Wright

Offered: Off MNsure

Map of Minnesota counties in Medica Vantage Plus Network service area

Park Nicollet and HealthPartners Medical Group First with Medica

Counties in service area: Anoka, Carver, Dakota, Hennepin, Ramsey, Scott, Washington

Offered: Off MNsure

Map of Minnesota counties in Medica Park Nicollet First Network service area

Medica Ridgeview Community Network

Counties in service area: Carver, Hennepin, Le Sueur, McLeod, Scott, Sibley, Wright

Offered: Off MNsure

Map of Minnesota counties in Medica Ridgeview Community Network service area

Altru & You with Medica Network

Counties in service area: Kittson, Marshall, Pennington, Polk, Red Lake, Roseau

Offered: Off MNsure

Map of Minnesota counties in Medica Altru & You Network service area

Essentia ChoiceCare with Medica Network

Counties in service area: Becker, Carlton, Cass, Clay, Crow Wing, Hubbard, Itasca, Mahnomen, Norman, Pine, Saint Louis, Wilkin

Offered: Off MNsure

Map of Minnesota counties in Essentia Choice Care Network service area

Clear Value

Counties in service area: Anoka, Hennepin, Ramsey

Offered: Off MNsure

Map of Minnesota counties in Clear Value Network service area

Quartz Health Plan MN Corporation

Quartz Health Plan MN Corporation website

Select Network

Counties in service area: Fillmore, Houston, Olmsted, Wabasha, Winona

Offered: Off MNsure

Map of Minnesota counties in Select Network service area

Sanford Health Plan of Minnesota

Sanford Health Plan of Minnesota website

TRUE Network

Counties in service area: Beltrami, Clay, Clearwater, Cottonwood, Hubbard, Jackson, Murray, Nobles, Pennington, Red Lake, Rock

Offered: Off MNsure

Map of Minnesota counties in True Network service area

Simplicity Network

Counties in service area: Becker, Beltrami, Big Stone, Blue Earth, Brown, Chippewa, Clay, Clearwater, Cottonwood, Douglas, Grant, Hubbard, Jackson, Kandiyohi, Kittson, Lac Qui Parle, Lake of the Woods, Lincoln, Lyon, Mahnomen, Marshall, Martin, McLeod, Meeker, Murray, Nicollet, Nobles, Norman, Otter Tail, Pennington, Pipestone, Polk, Pope, Red Lake, Redwood, Renville, Rock, Roseau, Sibley, Stearns, Stevens, Swift, Traverse, Watonwan, Wilkin, Yellow Medicine

Offered: Off MNsure

Map of Minnesota counties in Simplicity Network service area