The most distinctive feature of Minnesota's health insurance market was scrapped with the signing of a law that allows for-profit and out-of-state health insurers to obtain HMO licenses for the first time in more than 40 years. National for-profit carriers should gain market share as a result, and they can now join the competition for state program contracts. Minnesota's state-run health insurance exchange, MNsure, remains stable with marginal increase in premium rates for 2023. The further extension of reinsurance program will keep future premium rates under control. Market share and costs in the Medicare Advantage sector are stable.