Provider Network Adequacy 
Small Group Market Networks

Plan year 2025

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

Blue Plus

Blue Plus website

High Value Network

Statewide service area.

Offered: Off MNsure

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

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

Achieve Network

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

Offered: Off MNsure

CentraChoice SE Network

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

Offered: Off MNsure

Cornerstone Network

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

Offered: Off MNsure

Select ACO SE

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

Offered: Off MNsure

Tierred Choice 

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

Offered: Off MNsure

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

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

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

Medica Choice Passport Network

Statewide service area.

Offered: Off MNsure

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

VantagePlus with Medica Network

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

Offered: Off MNsure

Park Nicollet and HealthPartners Medical Group First with Medica

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

Offered: Off MNsure

Medica Ridgeview Community Network

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

Offered: Off MNsure

Altru & You with Medica Network

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

Offered: Off MNsure

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

Clear Value

Counties in service area: Anoka, Hennepin, Ramsey

Offered: Off MNsure

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

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

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

UnitedHealthcare Insurance Company

UnitedHealthcare Insurance Company website

ChoicePlus Network

Statewide service area.

Offered: Off MNsure

UnitedHealthcare of Illinois, Inc.

UnitedHealthcare of Illinois, Inc. website

Choice Network

Statewide service area.

Offered: Off MNsure

Core Essential Network

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

Offered: Off MNsure

For more information, email health.managedcare@state.mn.us.