Compare UCare Individual & Family Plans

UCare health plans were designed with you in mind

UCare offers a variety of plan options for individuals and families who buy their own coverage. Our plans are available across most of the state. If you're in the 10-county metro area surrounding the Twin Cities, you can choose between our broad network or our focused network with M Health Fairview.

Service Area Map (PDF)

Explore what our plans offer:

• A large network of health providers, so you can keep your doctor
• A variety of plans and coverage levels that offer flexibility to best suit your lifestyle
• In-network preventive care covered at 100%
• Online and convenience care at no additional cost with most copay plans, so you can save a trip to the doctor*
• Dental and eye exams for kids younger than 19
• Valuable member perks, like healthy grocery discounts, fitness and well-being programs, our 24/7 Nurse Line, free car seats, rewards for completing preventive care services and more!
• Routine prenatal and postpartum care is 100% covered with midwife and doula services included

*Online and convenience care are available at no additional cost on most UCare copay plans. Please see your UCare Member Contract for more information.

2025 and 2026 UCare Individual & Family Plans

We offer a variety of plans and coverage levels, so you can easily find a plan that fits you and your family.

Here's a summary of our plans.

UCare Core and UCare M Health Fairview Core

Our Core plan is available directly from UCare to people under 30 years old as well as those who qualify for a hardship exemption. Protect yourself from worst-case scenarios with this basic plan.

• Lowest monthly premium
• Highest out-of-pocket costs
• Unlimited online and convenience care covered at no additional cost
• Fully covered in-network preventive care and money-saving health and wellness perks included with your plan

UCare Bronze Access

Get coverage with low monthly premiums and higher copays/deductibles.

• Lower monthly premium
• New for 2026: Unlimited copays for primary and specialty care visits
• Unlimited online and convenience care covered at no additional cost
• Fully covered in-network preventive care and money-saving health and wellness perks included with your plan
• Available with UCare's broad network only
• New for 2026: Compatible with a health savings account (HSA)

UCare Bronze and UCare M Health Fairview Bronze

Our Bronze plan offers robust benefits to those on a budget.

• Lower monthly premium
• Higher up-front copays for office visits and prescription drugs
• Unlimited online and convenience care covered at no additional cost
• Fully covered in-network preventive care and money-saving health and wellness perks included with your plan
• New for 2026: Compatible with a health savings account (HSA)

UCare Bronze HSA and UCare M Health Fairview Bronze HSA

Our Bronze HSA plan is a flexible, tax-advantaged way to cover qualified medical expenses for those whose health care costs are routinely low.

• Lower monthly premium
• Higher up-front costs for office visits and prescription drugs
• Fully covered in-network preventive care and money-saving health and wellness perks included with your plan
• Compatible with a health savings account (HSA)

UCare Easy Compare Bronze

Easy Compare Bronze offers standardized coverage with affordable premiums.

• Lower monthly premium
• Unlimited copays for primary and specialty care visits
• Fully covered in-network preventive care and money-saving health and wellness perks included with your plan
• Available with UCare's broad network only
• Same cost sharing as all other Easy Compare Bronze plans across Minnesota
• New for 2026: Compatible with a health savings account (HSA)

UCare Silver and UCare M Health Fairview Silver

Benefit from a comprehensive plan with fewer out-of-pocket costs.

• Balance between premium and deductible
• Unlimited copays for primary and specialty care visits
• Unlimited online and convenience care covered at no additional cost
• Fully covered primary care and mental health visits via telehealth
• Fully covered in-network preventive care and money-saving health and wellness perks included with your plan

UCare Silver HSA and UCare M Health Fairview Silver HSA

Our Silver HSA plan offers comprehensive coverage and fewer out-of-pocket costs — all while allowing you to save for qualified medical costs.

• Balance between premium and deductible
• Fully covered in-network preventive care and money-saving health and wellness perks included with your plan
• Compatible with a health savings account (HSA)

UCare Easy Compare Silver and Rx Copay

Easy Compare Silver and Rx Copay offers standardized coverage with comprehensive benefits.

• Balance between premium and deductible
• Fully covered in-network preventive care and money-saving health and wellness perks included with your plan
• Available with UCare's broad network only
• Same cost sharing as all other Easy Compare Silver and Rx Copay plans across Minnesota

UCare Gold and UCare M Health Fairview Gold

Get rich benefits with the lowest copays and deductibles.

• Highest premium
• Unlimited primary care office visits for no additional cost
• Lowest copays and deductibles with unlimited office visit copays
• Unlimited online and convenience care covered at no additional cost
• Fully covered in-network preventive care and money-saving health and wellness perks included with your plan

UCare Easy Compare Gold and Rx Copay

Easy Compare Gold and Rx Copay offers standardized coverage with rich benefits.

• Highest premium
• Lowest copays and deductibles with unlimited office visit copays
• Fully covered in-network preventive care and money-saving health and wellness perks included with your plan
• Available with UCare's broad network only
• Same cost sharing as all other Easy Compare Gold and Rx Copay plans across Minnesota

In accordance with the Federal No Surprises Act, please note that UCare pays commissions to certified, independent brokers who sell UCare's Individual and Family Plans. In 2026, that commission amount is $24/contract per month.