 After a few years of price spikes, health insurers in Minnesota's individual markets are proposing mostly decreased premium rates for 2019. The average decrease could range anywhere from 3 percent to more than 12 percent for consumers. This is according to data released today by Minnesota Department of Commerce. The proposed rates are preliminary and will be reviewed by the Commerce Department and finalized later this year. The rate proposals reflect the newfound profitability for insurance in the market and the impact of state-funded reinsurance programs that offset the costs for consumers with high medical expenses. The Commerce Department said the actual change in rates for individual consumers could vary based on health plan specifics, age and geography.