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Rochester Health Insurance


Rochester is centered around the Mayo Clinic, which makes health care and health insurance all the more important in the city. The third largest city in Minnesota aside from the Twin Cities, Rochester receives hundreds of thousands of visitors per year and has numerous cultural attractions to keep the crowds’ interest. Rochester is yet another healthy Minnesota locale where enjoying the outdoors is easy without leaving the city limits, with more than 85 miles of urban trails, and over 3500 acres dedicated to 100+ parks. Named one the “Best Places to Live” by BestPlaces.net and Money Magazine, especially for techies, doctors, and scientists, Rochester is continually growing.

Offering the four main insurance companies in Minnesota, Rochester’s individual health plan market provides less than 60 plans between them. Most of these plans have deductibles over $2500, which makes for a lower premium in certain cases. For the most part, you can find coverage for an average cost, ranging from the low to mid $100s depending on your age. Like other Minnesota cities, Rochester also does not charge different rates for men and women applying for the same plan – a lovely and progressive move for the state.


Sample Rochester Health Insurance Quote

Though the same options are present in Rochester, the rates for individual health insurance are slightly higher than the Minneapolis-Saint Paul region. The least costly plan with a $2500 deductible for a 32-year-old male resident is $106 per month from PreferredOne. While perhaps this is not the most highly rated of Minnesota health plans, PreferredOne offers a limited number of office visits for a copay, which rivals the HealthPartners Compass plan for $40 more. HealthPartners includes coverage on one more office visit than the PreferredOne plan, and unlimited online visits at 100 percent before deductible.

Pricing is not quite competitive for this resident, as you can see there are significant gaps between these premiums. Medica also offers a plan for $168 per month, which has the most benefits with unlimited office visits and chiropractic for a $30 copay. Medica’s Symphony plan includes maternity coverage in the full range of major medical benefits for 100 percent after deductible, and a full range of prescriptions. The out-of-pocket limit is $2000, which makes it even more appealing.

Throughout the state, BCBSMN does not offer a plan with a deductible less than $3000, and their best option would be the Personal Blue copay plan with unlimited $50 office visits. The most costly plan in this range in Rochester, Blue Cross Blue Shield offers similar benefits to Medica, such as maternity and multiple prescription tiers. In this case, for comprehensive benefits and coverage, Medica seems the better choice for a lower premium.

To find out what works best for you in Rochester, get your own health insurance quote to compare plans from each of these carriers. Call an agent for a personal consultation by phone at 888 803 5917.







1. City Town Info. “Rochester, Minnesota.” http://www.citytowninfo.com/places/minnesota/rochester.

2. Image: Petrova. “Rochester, MN Skyline.” 500px.com