HSA-eligible health insurance in Minnesota

Since January 1, 2026, federal law has treated every bronze plan sold on MNsure, and any catastrophic plan sold there, as an HSA-eligible plan, even if its deductible or out-of-pocket maximum is outside the IRS limits below. The same plan bought straight from the insurance company counts too. The IRS sets this out in its Notice 2026-5.

Every other plan has to fit the shape the IRS sets each year. For 2027 plans the deductible has to be at least $1,750 for one person or $3,500 for a family, the most you can pay out of pocket in a year can be no more than $8,700 or $17,400 (for 2026: $1,700 or $3,400, and $8,500 or $17,000), and, apart from preventive care and telehealth, the plan cannot pay for anything before the deductible is met — so no copay for an office visit or a prescription until then. Carriers mark the plans that meet these rules as HSA-eligible, and outside the bronze plans above, that label is what to look for.

$4,500 for self-only coverage and $9,000 for family coverage in 2027, plus $1,000 a year from age 55. For 2026 it is $4,400 and $8,750 — a year's contributions can be made up to the tax-filing deadline the following April. The account is yours — it does not belong to an employer or a plan, it rolls over indefinitely, and after 65 it can pay Medicare premiums.

It suits people who can absorb the deductible in a bad year and who will actually fund the account — a healthy household, a high earner who wants the deduction, an early retiree building a cushion for Medicare. It suits less well anyone with regular prescriptions or specialist visits who would rather pay a predictable copay, and anyone who would leave the account empty; without the contributions, an HSA plan is just a high-deductible plan.

Yes, they combine. A tax credit applies to any metal-tier plan on MNsure, including HSA-eligible bronze and silver plans, so a household under the credit line ($63,840 for one, $132,000 for four, for 2027 coverage) can hold an HSA plan at a reduced premium and still contribute. One caution: households that qualify for cost-sharing reductions on a silver plan usually do better taking those than an HSA plan — the reductions can cut the deductible more than the account would save.

Medical Assistance and MinnesotaCare are not HSA-qualified plans, so someone on those programs cannot contribute. And enrolling in Medicare ends HSA contributions. Anyone who delays Medicare past 65 should stop contributing six months before enrolling, because Part A is backdated up to six months and contributions in those months are penalized.