UCare Individual & Family Health 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, and are available across most of the state. If you’re in the 10-county metro area surrounding the Twin Cities, choose between our broad or more focused network with M Health Fairview.

Service Area Map (PDF)

Around the state, our plans offer:

• Some of the lowest rates so you can save on your monthly premium and get more for your money
• A large network of health providers so you can keep your doctor
• A variety of plans and coverage levels to suit your lifestyle, like 100% coverage for primary and mental health visits via telehealth on our Silver copay plans
• In-network preventive care covered at 100%
• Online and convenience care at no additional cost* so you can save a trip to the doctor
• Dental and eye exams for kids younger than 19
• Valuable member perks like monthly reimbursements for gym memberships, monthly savings up to $200 on healthy groceries, discounts on community education classes, support and resources through member assistance programs and car seats at no additional cost, rewards when you complete your preventive visits and more!

*Online and convenience care are available at no additional cost for members with most copay health plans. Gold and HSA-compatible health plans require payment for online and convenience care.

2023 UCare Individual & Family Plans

Here’s a summary of our plans. Use our shopping tool to find a plan that's right for you. You'll find more plan details, UCare monthly premium amounts and an estimate of subsidies you may be eligible for on MNsure based on your household details. MNsure will determine your eligibility for subsidies and the exact amount when you enroll on MNsure.

UCare Core and UCare M Health Fairview Core

Available to people 30-years-old or younger, or if you 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
• Decide between UCare’s broad network or our more focused network with M Health Fairview, if you live in the 10-county metro
• Fully covered in-network preventive care and money saving health and wellness perks included with your plan

UCare Bronze Access

Coverage with a low monthly premium and higher copays/deductibles.

• Lowest Bronze level monthly premium
• Higher up-front copay 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
• Available with UCare's broad network only

UCare Bronze and UCare M Health Fairview Bronze

Robust benefits with a premium for 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
• Decide between UCare’s broad network or our more focused network with M Health Fairview, if you live in the 10-county metro

UCare Bronze HSA and UCare M Health Fairview Bronze HSA

A flexible, tax-advantaged way to cover medical expenses for those whose health care costs are routinely low.

• Lower monthly premium
• Higher up-front 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)
• Decide between UCare’s broad network or our more focused network with M Health Fairview, if you live in the 10-county metro&

UCare Silver and UCare M Health Fairview Silver

A comprehensive plan with fewer out-of-pocket costs.

• Medium monthly premium
• Unlimited copays for primary and specialty care visits and medium up front copays for prescription drugs
• Unlimited online and convenience care covered at no additional cost
• Fully covered primary and mental health visits via telehealth
• Fully covered in-network preventive care and money saving health and wellness perks included with your plan
• Decide between UCare’s broad network or our more focused network with M Health Fairview, if you live in the 10-county metro

UCare Silver HSA and UCare M Health Fairview Silver HSA

A flexible, tax-advantaged way to cover medical expenses for those who want a comprehensive plan with fewer out-of-pocket costs.

• Medium monthly premium
• Medium up-front 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)
• Decide between UCare’s broad network or our more focused network with M Health Fairview, if you live in the 10-county metro

UCare Gold Access

Coverage with a higher monthly premium and the low copays/deductibles.

• Lowest Gold level premium
• Higher deductible and out-of-pocket maximum than other UCare Gold plans
• Lowest copays and deductible
• Available with UCare's broad network only

UCare Gold and UCare M Health Fairview Gold

Rich benefits with the lowest copays and deductible.

• Highest premium
• Lowest copays and deductible with unlimited office visit copays
• Fully covered in-network preventive care and money saving health and wellness perks included with your plan
• Decide between UCare’s broad network or our more focused network with M Health Fairview, if you live in the 10-county metro

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 2023, that commission amount is $18 per contract, per month.