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https://www.stcloudlive.com/health/most-of-minnesotas-small-group-…s-post-double-digit-rate-increases-for-2027

html stcloudlive.com collected 2026-10-02 04:25:45 UTC 248,437 bytes, 5,533 lines download raw bytes

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10    <meta property="og:title" content="Most of Minnesota&#x27;s small group, individual health insurers post double-digit rate increases for 2027">
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12    <meta property="og:url" content="https://www.stcloudlive.com/health/most-of-minnesotas-small-group-individual-health-insurers-post-double-digit-rate-increases-for-2027">
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30    <meta property="og:description" content="The final rate increases, announced by the Minnesota Department of Commerce on Thursday, will impact around 387,000 small group employees and self-insured Minnesotans.">
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32    <meta property="og:site_name" content="St. Cloud Live">
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36    <meta property="og:type" content="article">
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38    <meta property="article:author" content="https://www.stcloudlive.com/dene-dryden">
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40    <meta property="article:published_time" content="2026-10-01T18:10:53.251">
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42    <meta property="article:modified_time" content="2026-10-01T20:27:45.835">
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44    <meta property="article:section" content="Health">
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46    <meta property="article:tag" content="PB SOCIAL MEDIA">
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48    <meta property="article:tag" content="HEALTH">
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50    <meta property="article:tag" content="INSURANCE">
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52    <meta property="article:tag" content="ST. PAUL">
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65    <meta name="twitter:description" content="The final rate increases, announced by the Minnesota Department of Commerce on Thursday, will impact around 387,000 small group employees and self-insured Minnesotans."/>
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210/* SECTION SPONSOR AD */
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249.GoogleDfpAd-Lazy[targeting*='weather-sidebar'] {
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298  .GoogleDfpAd-Lazy[targeting*='banner-1'] {
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302    --adHeight: calc(250px + 16px);
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304  .GoogleDfpAd-Lazy[targeting*='banner-3'] {
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307  .GoogleDfpAd-Lazy[targeting*='banner-4'] {
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310  .GoogleDfpAd-Lazy[targeting*='latest-sponsor'] {
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313  .GoogleDfpAd-Lazy[targeting*='sidebar-1'] {
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316  .GoogleDfpAd-Lazy[targeting*='article-banner-1'] {
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319  .GoogleDfpAd-Lazy[targeting*='in-article-1'] {
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322  .GoogleDfpAd-Lazy[targeting*='forecast'] {
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325  .GoogleDfpAd-Lazy[targeting*='in-list-1'] {
326    --adHeight: calc(250px + 21px);
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328  .GoogleDfpAd-Lazy[targeting*='weather-sidebar'] {
329    --adHeight: calc(600px + 21px);
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331  .GoogleDfpAd-Lazy[targeting*='rotating'] {
332    --adHeight: calc(250px + 21px);
333  } 
334}
335/* LARGE DESKTOP */
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340  .GoogleDfpAd-Lazy[targeting*='banner-2'] {
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343  .GoogleDfpAd-Lazy[targeting*='banner-3'] {
344    --adHeight: calc(250px + 16px);
345  }
346  .GoogleDfpAd-Lazy[targeting*='banner-4'] {
347    --adHeight: calc(250px + 16px);
348  } 
349  .GoogleDfpAd-Lazy[targeting*='latest-sponsor'] {
350    --adHeight: calc(50px + 21px);
351  }   
352  .GoogleDfpAd-Lazy[targeting*='sidebar-1'] {
353    --adHeight: calc(600px + 21px);
354  }
355  .GoogleDfpAd-Lazy[targeting*='article-banner-1'] {
356    --adHeight: calc(250px + 16px);
357  }
358  .GoogleDfpAd-Lazy[targeting*='in-article-1'] {
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361  .GoogleDfpAd-Lazy[targeting*='forecast'] {
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364  .GoogleDfpAd-Lazy[targeting*='in-list-1'] {
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367  .GoogleDfpAd-Lazy[targeting*='weather-sidebar'] {
368    --adHeight: calc(600px + 21px);
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370  .GoogleDfpAd-Lazy[targeting*='rotating'] {
371    --adHeight: calc(250px + 21px);
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373}
374
375/* NO SECTION SPONSOR AD SERVED */
376.GoogleDfpAd-Lazy[targeting*='section-sponsor'] div[id^=google_ads_iframe]:empty {
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382
383.GoogleDfpAd-Float {
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400
401/* bell & tray styling */
402.viafoura .vf-tray-trigger:hover,
403.viafoura.header-bell:hover { color: var(--accent-color) !important; }
404
405.Page-header-bar .viafoura button, .viafoura .vf-tray-trigger:focus { color: var(--color-primary-text) !important; }
406
407.viafoura.header-bell { 
408    visibility: hidden;
409    position: relative;
410    color: var(--color-primary-text);
411    width: 40px;
412    height: 40px;
413}
414
415.viafoura.header-bell .vf-icon_bell_icon { display: none;} 
416
417.viafoura.header-bell:has(button) { visibility: visible; }
418/* needed to target just firefox */
419@supports (-moz-transform: translate(0, 0)) {
420  .viafoura.header-bell { visibility: visible; }
421}
422
423.viafoura.header-bell .vf-fa-outlineBell {
424    width: 23px;
425    height: 23px;
426    position: absolute;
427    top: 8.5px;
428    left: 8.5px;
429}
430
431.viafoura .vf-accent-border-colour, 
432.viafoura .vf-expanding-hover-light::before { 
433    border-color: var(--accent-color) !important;
434}
435.viafoura .vf-tray .vf-settings .vf-client-settings-button-logout {
436    display: none;
437}
438
439/* needed for tray to show above Page-header */
440.viafoura .vf-tray-slide-wrapper {
441    z-index: 100000009 !important;
442}
443
444.Page-header-bar .viafoura {
445    height: 40px;
446    overflow: hidden;
447}
448
449/* share bar styles */
450.viafoura .vf-share-bar {
451    padding-top: 0px !important;
452    position: relative !important;
453    display: inline-block !important;
454    letter-spacing: .5px !important;
455    border: none !important;
456    width: 100% !important;
457}
458.viafoura .vf-share-bar .vf-share-bar-service-name {
459    color: #666666 !important;
460    font-size: 0.875rem !important;
461    font-weight: 400 !important;
462}
463.viafoura .vf-share-bar.vf-share-bar-default .vf-share-icon {
464	line-height: 1em !important;
465}
466.viafoura .vf-share-bar.vf-share-bar-vertical .vf-share-icon {
467	margin-right: 8px !important;    
468}
469.viafoura .vf-share-bar .vf-share-option a {
470	position: relative !important;
471    display: inline-block !important;
472    width: 100% !important;
473}
474
475/* comment section styling */
476.viafoura-conversation-container { margin-top: 40px; }
477.viafoura-conversation-container .List-header-title { margin-bottom: 20px; }
478.viafoura .vf3-comments {
479    font-family: var(--font-sans-serif);
480    max-width: 600px;
481}
482.viafoura .vf3-comments .vf-post-name-button__username {
483	font-size: 1rem !important;
484    font-weight: 700;
485    color: var(--color-primary-text);
486}
487.viafoura .vf3-comments button.vf-post-name-button:hover {
488    color: var(--color-primary-text) !important;
489}
490.viafoura .vf3-comments .vf-content-text {
491    font-size: 1rem;
492    line-height: 1.5 !important;
493    font-weight: 400;
494    color: var(--color-primary-text);
495}
496.viafoura .vf-comment-header__actions .vf-post-form__auth-actions { 
497    display: none; 
498}
499
500/* comment counter button */
501.viafoura.viafoura-button {
502  font-size: .875rem;
503  line-height: 1;
504  padding: 8px 16px;
505}
506.viafoura.viafoura-button vf-conversations-count { display: inline-grid; }
507
508a[name="conversations"] { scroll-margin-top: 100px; }
509
510/* hide viafoura conversations title */
511.viafoura .vf-comment-header__heading.vf-heading-text { display: none; }
512
513@media (max-width: 480px) {
514 .viafoura .vf-comment-header__actions {
515 	flex-direction: row !important;
516    align-items: center !important;
517    margin-top: 0px !important;
518 }
519 .viafoura .vf-comment-header__actions .vf-actions-subscribe {
520    margin-top: 0px !important;
521 }
522}
523
524/* conversation reply modal - mobile only */
525@media (max-width: 640px) {
526	.viafoura .vf-content-focus-container--focused.vf-content-focus-container__mobile {
527        top: 60px !important;
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530
531/* trending conversations module */
532.vf-trending-conversations .vf-trending-articles .vf-trending-articles__header.vf-subheading-text {
533    font-family: var(--font-sans-serif);
534    color: var(--color-primary-text);
535    font-size: 1.125rem;
536    font-weight: 700;
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1032                window.user.status = 'anonymous'
1033                setLoginButton("flex")
1034                
1035                  showSubscribeButtonBanner()
1036                
1037                setAccountButton("none")
1038              },
1039              onAuthorized: function (eventData) {
1040                //event fires on every page load if visitor is logged in but has access to this product
1041                window.user.status = 'registered'
1042                window.user.email = eventData.MG2AccountData.Email
1043                window.user.auth0Id = eventData.MG2AccountData.MasterId
1044                setLoginButton("none")
1045                
1046                  showSubscribeButtonBanner()
1047                
1048                setAccountButton("flex")
1049              },
1050              onHasNoActiveSubscription: function (eventData) {
1051                //event fires on every page load if visitor is logged in but their subscription is stopped or inactive
1052                window.user.status = 'registered'
1053                window.user.email = eventData.MG2AccountData.Email
1054                window.user.auth0Id = eventData.MG2AccountData.MasterId
1055                setLoginButton("none")
1056                
1057                  showSubscribeButtonBanner()
1058                
1059                setAccountButton("flex")
1060              },
1061              onHasAccessNotEntitled: function (eventData) {
1062                //event fires on every page load if visitor is logged in and has no access to this product, but has access to other products)
1063                window.user.status = 'registered'
1064                window.user.email = eventData.MG2AccountData.Email
1065                window.user.auth0Id = eventData.MG2AccountData.MasterId
1066                setLoginButton("none")
1067                
1068                  showSubscribeButtonBanner()
1069                
1070                setAccountButton("flex")
1071              },
1072              onHasAccess: function (eventData) {
1073                //event fires on every page load if visitor is subscriber
1074                window.user.status = 'subscribed'
1075                window.user.email = eventData.MG2AccountData.Email
1076                window.user.auth0Id = eventData.MG2AccountData.MasterId
1077                setLoginButton("none")
1078                hideSubscribeButtonBanner()
1079                setA
1079ccountButton("flex")
1080              },
1081            },
1082          },
1083        },
1084      ],
1085    })
1086  })
1087</script>
1087
1088
1089        
1090    
1091
1092    
1093       
1094       
1095            
1095<script>
1096    // if statement confirms blueconic and naviga loads
1097    if (typeof window.blueConicClient !== 'undefined' &&
1098        typeof window.blueConicClient.event !== 'undefined' &&
1099        typeof window.blueConicClient.event.subscribe !== 'undefined') {
1100            ensureUserIsSet().then(() => {
1101                let blueProfile = blueConicClient.profile.getProfile();
1102                if (!checkConsentGDPR(blueProfile)) {
1103                    if (user.status != "anonymous") {
1104                        addAuth0Info(blueProfile)
1105                    }
1106                }
1107            })
1108    } else {
1109        window.addEventListener('onBlueConicLoaded', function () {
1110            ensureUserIsSet().then(() => {
1111                let blueProfile = blueConicClient.profile.getProfile();
1112                if (!checkConsentGDPR(blueProfile)) {
1113                    if (user.status != "anonymous") {
1114                        addAuth0Info(blueProfile)
1115                    }
1116                }
1117            })
1118        }, false);
1119    }
1120</script>
1120
1121        
1122    
1123
1124    
1125    
1126  
1127    
1127<script type="text/javascript">
1128      /**
1129       * Function to handle Viafoura login events
1130       * @param {boolean} isInit If handleLogin is being called on the initial page load
1131       */
1132      const handleLogin = async (isInit) => {
1133        ensureUserIsSet().then(async () => {
1134          if (user.status === 'anonymous') {
1135            if (!isInit) {
1136              // Should not redirect on page load
1137              document.getElementById('MG2login').click()
1138            }
1139          } else if (user.status === 'subscribed') {
1140            const idToken = await getTokens()
1141            if (idToken !== '' && idToken !== undefined && idToken !== null) {
1142              try {
1143                // openIdConnect resolves with the Viafoura user object on success
1144                // and rejects on failure. Do not retry here: the same token can
1145                // only produce the same result.
1146                const response =
1147                  await window.vf.session.login.openIdConnect(idToken)
1148
1149                if (response && response.uuid) {
1150                  console.log('Viafoura: Login successful!')
1151                } else {
1152                  console.error(
1153                    'Viafoura OIDC unexpected response: ' + JSON.stringify(response)
1154                  )
1155                }
1156              } catch (error) {
1157                console.error('Viafoura OIDC login failed: ' + error)
1158              }
1159            } else {
1160              console.error('Viafoura: Could not obtain ID token!')
1161            }
1162          } else {
1163            console.log('Viafoura: Registered user.')
1164          }
1165        })
1166      }
1167
1168      /**
1169       * Attempts to get the ID and Refresh tokens from localstorage or AWS.
1170       * @returns {Promise} An ID token or an empty string if one cannot be obtained.
1171       */
1172      const getTokens = async () => {
1173        try {
1174          // First, try to use cookies
1175          let idToken = getForumCookie('auth0_jwt')
1176          if (idToken !== '' && idToken !== undefined) {
1177            return idToken
1178          } else {
1179            idToken = ''
1180          }
1181
1182          // Second, try to use localstorage
1183          let expires = ''
1184          const localStorageTokens = await getLocalStorageTokens()
1185          if (localStorageTokens !== '') {
1186            idToken = localStorageTokens.idToken
1187            refreshToken = localStorageTokens.refreshToken
1188            if (idToken !== undefined && idToken !== '') {
1189              return idToken
1190            }
1191          }
1192          return idToken
1193        } catch (error) {
1194          console.error('Viafoura: ' + error)
1195          return ''
1196        }
1197      }
1198
1199      /**
1200       * Gets the ID and/or refresh token(s) from localstorage. Note that only the refresh token might be returned.
1201       * @returns {object} Object containing the id and/or refresh token(s) or an empty string if no tokens exist.
1202       */
1203      const getLocalStorageTokens = async () => {
1204        const localStorageString = await getLocalStorageString()
1205        const tokensObject = {}
1206        if (localStorageString === null || localStorageString === '') {
1207          console.log('Viafoura: Auth0 tokens not found in localstorage.')
1208          return ''
1209        }
1210
1211        const localStorageObject = JSON.parse(localStorageString)
1212        const idToken = localStorageObject.body.id_token
1213        const refreshToken = localStorageObject.body.refresh_token
1214        const idTokenExpiration = localStorageObject.expiresAt
1215
1216        if (refreshToken !== undefined && refreshToken !== '') {
1217          tokensObject.refreshToken = refreshToken
1218        } else {
1219          tokensObject.refreshToken = ''
1220        }
1221
1222        if (idToken !== undefined && idToken !== '') {
1223          tokensObject.idToken = idToken
1224        } else {
1225          tokensObject.idToken = ''
1226        }
1227
1228        if (idTokenExpiration !== '' && idTokenExpiration !== undefined) {
1229          tokensObject.expires = idTokenExpiration
1230        } else {
1231          tokensObject.expires = ''
1232        }
1233
1234        return tokensObject
1235      }
1236
1237      /**
1238       * Get the Auth0 SPA JS string from localstorage
1239       * @returns {Promise} A localstorage string if it exists or an empty string if does not
1240       */
1241      const getLocalStorageString = async () => {
1242        const config = window.location.origin + '/_auth.config.json'
1243        const publication = getPublicationInfo()
1244        const response = await fetch(config)
1245        const json = await response.json()
1246        const clientId =
1247          json[publication.environment][publication.name].clientId
1248        const key =
1249          '@@auth0spajs@@::' +
1250          clientId +
1251          '::default::openid profile email offline_access'
1252        return localStorage.getItem(key)
1253      }
1254
1255      /**
1256       * Get the publication and environment
1257       * @returns {object} An object containing the publication and environment
1258       */
1259      const getPublicationInfo = () => {
1260        const domain = window.location.hostname.split('.')
1261        let name, environment
1262        if (
1263          domain.includes('lower') ||
1264          domain.includes('localhost') ||
1265          domain.includes('127')
1266        ) {
1267          name = domain[0]
1268          environment = 'test'
1269        } else {
1270          if (!domain.includes('www')) {
1271            name = domain[0]
1272          } else {
1273            name = domain[1]
1274          }
1275          environment = 'production'
1276        }
1277        return { name, environment }
1278      }
1279
1280      /**
1281       * Function for handling banned users.
1282       * Will not display an alert for the first login failure event.
1283       * @param {object} errorContext
1284       * @param {boolean} skipFirstAlert
1285       */
1286      const handleBannedUser = (errorContext, skipFirstAlert) => {
1287        const fccViafouraBanned = getForumCookie('_fcc_viafoura_banned')
1288        ensureUserIsSet().then(() => {
1289          if (fccViafouraBanned == null || user.status === 'anonymous') {
1290            setForumCookie('_fcc_viafoura_banned', 'false', 0)
1291          }
1292
1293          if (
1294            errorContext.reason !== null &&
1295            errorContext.reason !== undefined &&
1296            errorContext.reason !== ''
1297          ) {
1298            console.log('Viafoura: ' + errorContext.reason)
1299          }
1300
1301          if (errorContext.error_key === 'login_banned') {
1302            if (skipFirstAlert === false) {
1303              alert(
1304                'Your access to these tools has been restricted as a result of not adhering to the Commenting Policy available on the Policies and Standards page.'
1305              )
1306            }
1307            if (fccViafouraBanned === 'false') {
1308              setForumCookie('_fcc_viafoura_banned', 'init', 0)
1309            }
1310            return false
1311          }
1312        })
1313      }
1314
1315      /**
1316       *  Function for handling the read comments event.
1317       *  Display an alert if the user is banned.
1318       */
1319      const handleReadComments = () => {
1320        if (getForumCookie('_fcc_viafoura_banned') === 'init') {
1321          alert(
1322            'Your access to these tools has been restricted as a result of not adhering to the Commenting Policy available on the Policies and Standards page.'
1323          )
1324          setForumCookie('_fcc_viafoura_banned', 'true', 0)
1325        }
1326      }
1327
1328      window.vfQ = window.vfQ || []
1329      window.vfQ.push(async () => {
1330        // Logs in to Viafoura on page load
1331        handleLogin(true)
1332
1333        // Intercepts default log in event
1334        window.vf.$prepublish((channel, event, ...args) => {
1335          if (channel === 'authentication' && event === 'required') {
1336            window.vf.$publish('tray', 'close')
1337            handleLogin(false)
1338            return false
1339          } else {
1340            return { channel, event, args }
1341          }
1342        })
1343
1344        // Handles banned user messages
1345        window.vf.$subscribe('login', 'success', () => {
1346          setForumCookie('_fcc_viafoura_banned', 'false', 0)
1347        })
1348
1349        let skipFirstAlert = true
1350        window.vf.$subscribe('login', 'failure', (errorContext) => {
1351          skipFirstAlert = handleBannedUser(errorContext, skipFirstAlert)
1352        })
1353
1354        window.vf.$subscribe('comments', 'read', () => {
1355          handleReadComments()
1356        })
1357
1358        window.vf.$subscribe('commenting', 'loaded', (el) => {
1359          ensureUserIsSet().then(async () => {
1360            if (user.status !== 'subscribed') {
1361              document.getElementsByClassName('vf-comment-header')[0].style.display = 'none'
1362              document.getElementsByClassName('v3-comments__post-form')[0].style.display = 'none'
1363            }
1364          })
1365        });
1366      })
1367    </script>
1367
1368  
1369
1370
1371    
1372    
1373        
1374  
1375    
1375<script type="text/javascript">
1376      if (typeof ensureUserIsSet === 'function') {
1377        ensureUserIsSet().then(function() {
1378          if (!window.user) { return; }
1379          window.marfeel = window.marfeel || {};
1380          window.marfeel.cmd = window.marfeel.cmd || [];
1381          if (window.user.status === 'subscribed') {
1382            window.marfeel.cmd.push(['compass', function(compass) {
1383              compass.setUserType(3);
1384            }]);
1385          } else if (window.user.status === 'registered') {
1386            window.marfeel.cmd.push(['compass', function(compass) {
1387              compass.setUserType(2);
1388            }]);
1389          } else {
1390            window.marfeel.cmd.push(['compass', function(compass) {
1391              compass.setUserType(0);
1392            }]);
1393          }
1394        }).catch(function() {});
1395      }
1396    </script>
1396
1397  
1398
1399    
1400
1401    
1402    
1403    
1404        
1404<script type="text/javascript">
1405            /**
1406            * Dynamically generates an ad and inserts it into the template when the Viafoura conversations widget requests an ad.
1407            * @param  {String} slotName - id of the element to render the ad in
1408            */
1409            function generateCommentAd(slotName) {
1410              let viafouraAd = document.querySelector('[data-comments-ad-enable="true"]');
1411
1412              // Generate next slot name
1413                var adUnitString = viafouraAd.getAttribute('data-slot-name') || '';
1414                var sizesAttribute = viafouraAd.getAttribute('data-slot-sizes');
1415                var sizesArray = JSON.parse(sizesAttribute);
1416
1417                var sizeMappingString = viafouraAd.getAttribute('data-slot-adsizemap')
1418                var sizeMappingArray = JSON.parse(sizeMappingString);
1419
1420                var adTargetingAttribute = viafouraAd.getAttribute('data-targeting')
1421                var adTargetingArray = JSON.parse(adTargetingAttribute);
1422
1423                // Define the slot itself, call display() to
1424                // register the div and refresh() to fetch the ad.
1425                window.googletag.cmd.push(function() {
1426                    // Destroy any lingering ad slots if they exist in the widget
1427                    const slots = window.googletag.pubads().getSlots()
1428                        .filter((slot) => slot.getSlotElementId() === slotName);
1429                    window.googletag.destroySlots(slots);
1430
1431                    // Define ad sizes based on viewport size
1432                    // NOTE ads are not responsive but new ads will be rendered to the appropriate size
1433                    // Adapted from https://support.google.com/dfp_premium/answer/4578089?hl=en#responsiveDesign
1434                    var mapping = googletag.sizeMapping();
1435                    sizeMappingArray.forEach(function (entry) {
1436                        var viewportSize = entry[0];
1437                        var adSizes = entry[1];
1438                        mapping.addSize(viewportSize, adSizes);
1439                    });
1440
1441                    var sizeMapping = mapping.build();
1442                    // Create a new ad slot, pointing to the slotName given to this function
1443                    var slot = window.googletag.defineSlot(adUnitString, sizesArray, slotName)
1444                        .defineSizeMapping(sizeMapping)
1445                        .addService(window.googletag.pubads());
1446
1447                    // Add any targeting or any other modifications to the ad here
1448                    if (adTargetingArray) {
1449                      for (let key in adTargetingArray) {
1450                        if (adTargetingArray.hasOwnProperty(key)) {
1451                          slot.setTargeting(key, adTargetingArray[key])
1452                        }
1453                      }
1454                    }
1455
1456                    // Display the new ad
1457                    window.googletag.display(slotName);
1458                    window.googletag.pubads().refresh([slot]);
1459                });
1460            }
1461
1462            /**
1463            * Dynamically generates an ad and inserts it into the template when the Viafoura liveblog widget requests an ad.
1464            * @param  {String} slotName - id of the element to render the ad in
1465            */
1466            function generateLiveblogAd(slotName) {
1467              let viafouraAd = document.querySelector('[data-blog-ad-enable="true"]');
1468              // Generate next slot name
1469                var adUnitString = viafouraAd.getAttribute('data-slot-name') || '';
1470                var sizesAttribute = viafouraAd.getAttribute('data-slot-sizes');
1471                var sizesArray = JSON.parse(sizesAttribute);
1472
1473                var sizeMappingString = viafouraAd.getAttribute('data-slot-adsizemap')
1474                var sizeMappingArray = JSON.parse(sizeMappingString);
1475
1476                var adTargetingAttribute = viafouraAd.getAttribute('data-targeting')
1477                var adTargetingArray = JSON.parse(adTargetingAttribute);
1478
1479                // Define the slot itself, call display() to
1480                // register the div and refresh() to fetch the ad.
1481                window.googletag.cmd.push(function() {
1482                    // Destroy any lingering ad slots if they exist in the widget
1483                    const slots = window.googletag.pubads().getSlots()
1484                        .filter((slot) => slot.getSlotElementId() === slotName);
1485                    window.googletag.destroySlots(slots);
1486
1487                    // Define ad sizes based on viewport size
1488                    // NOTE ads are not responsive but new ads will be rendered to the appropriate size
1489                    // Adapted from https://support.google.com/dfp_premium/answer/4578089?hl=en#responsiveDesign
1490                    var mapping = googletag.sizeMapping();
1491                    sizeMappingArray.forEach(function (entry) {
1492                        var viewportSize = entry[0];
1493                        var adSizes = entry[1];
1494                        mapping.addSize(viewportSize, adSizes);
1495                    });
1496
1497                    var sizeMapping = mapping.build();
1498                    // Create a new ad slot, pointing to the slotName given to this function
1499                    var slot = window.googletag.defineSlot(adUnitString, sizesArray, slotName)
1500                        .defineSizeMapping(sizeMapping)
1501                        .addService(window.googletag.pubads());
1502
1503                    // Add any targeting or any other modifications to the ad here
1504                    if (adTargetingArray) {
1505                      for (let key in adTargetingArray) {
1506                        if (adTargetingArray.hasOwnProperty(key)) {
1507                          slot.setTargeting(key, adTargetingArray[key])
1508                        }
1509                      }
1510                    }
1511
1512                    // Display the new ad
1513                    window.googletag.display(slotName);
1514                    window.googletag.pubads().refresh([slot]);
1515                });
1516            }
1517
1518            /**
1519            * Dynamically generates an ad and inserts it into the template when the Viafoura trending conversations widget requests an ad.
1520            * @param  {String} slotName - id of the element to render the ad in
1521            */
1522            function requestConversationStarter(slotName) {
1523              let viafouraAd = document.querySelector('[data-engagement-ad-enable="true"]');
1524                // Generate next slot name
1525                var adUnitString = viafouraAd.getAttribute('data-slot-name') || '';
1526
1527                var sizesAttribute = viafouraAd.getAttribute('data-slot-sizes');
1528                var sizesArray = JSON.parse(sizesAttribute);
1529
1530                var sizeMappingString = viafouraAd.getAttribute('data-slot-adsizemap')
1531                var sizeMappingArray = JSON.parse(sizeMappingString);
1532
1533                var adTargetingAttribute = viafouraAd.getAttribute('data-targeting')
1534                var adTargetingArray = JSON.parse(adTargetingAttribute);
1535
1536                // Define the slot itself, call display() to
1537                // register the div and refresh() to fetch the ad.
1538                window.googletag.cmd.push(function() {
1539                    // Destroy any lingering ad slots if they exist in the widget
1540                    const slots = window.googletag.pubads().getSlots()
1541                        .filter((slot) => slot.getSlotElementId() === slotName);
1542                    window.googletag.destroySlots(slots);
1543                    // Define ad sizes based on viewport size
1544                    // NOTE ads are not responsive but new ads will be rendered to the appropriate size
1545                    // Adapted from https://support.google.com/dfp_premium/answer/4578089?hl=en#responsiveDesign
1546                    var mapping = googletag.sizeMapping();
1547                    sizeMappingArray.forEach(function (entry) {
1548                        var viewportSize = entry[0];
1549                        var adSizes = entry[1];
1550                        mapping.addSize(viewportSize, adSizes);
1551                    });
1552
1553                    var sizeMapping = mapping.build();
1554
1555                    // Create a new ad slot, pointing to the slotName given to this function
1556                    var slot = window.googletag.defineSlot(adUnitString, sizesArray, slotName)
1557                        .defineSizeMapping(sizeMapping)
1558                        .addService(window.googletag.pubads());
1559
1560                    // Add any targeting or any other modifications to the ad here
1561                    if (adTargetingArray) {
1562                      for (let key in adTargetingArray) {
1563                        if (adTargetingArray.hasOwnProperty(key)) {
1564                          slot.setTargeting(key, adTargetingArray[key])
1565                        }
1566                      }
1567                    }
1568
1569                    // Display the new ad
1570                    window.googletag.display(slotName);
1571                    window.googletag.pubads().refresh([slot]);
1572                });
1573            }
1574
1575            // Subscribe to the viafoura event when the viafoura object is ready
1576            window.vfQ = window.vfQ || [];
1577
1578            window.vfQ.push(function() {
1579                window.vf.$subscribe('vf-ads', 'requestCommentAd', generateCommentAd);
1580                window.vf.$subscribe('vf-ads', 'requestLiveblogAd', generateLiveblogAd);
1581                window.vf.$subscribe('vf-ads', 'requestConversationStarter', requestConversationStarter);
1582            });
1583        </script>
1583
1584    
1585
1586
1587    
1587<script src="https://cdn.forumcomm.com/resource/0000017b-5a43-de16-ab7f-ffcfc2a20000/styleguide/webcomponents-loader/webcomponents-loader.ce44f83d1399e8dd41e607b70e0642c9.gz.js"></script>
1587
1588
1589    
1589<script>
1590        /**
1591            This allows us to load the IE polyfills via feature detection so that they do not load
1592            needlessly in the browsers that do not need them. It also ensures they are loaded
1593            non async so that they load before the rest of our JS.
1594        */
1595        var head = document.getElementsByTagName('head')[0];
1596        if (!window.CSS || !window.CSS.supports || !window.CSS.supports('--fake-var', 0)) {
1597            var styleGuideScript = document.createElement('script');
1598            styleGuideScript.setAttribute('src', "https://cdn.forumcomm.com/resource/0000017b-5a43-de16-ab7f-ffcfc2a20000/styleguide/util/IEPolyfills.min.a285ec4d47a7c3beb88cd1008acd98bb.gz.js");
1599            styleGuideScript.setAttribute('type', 'text/javascript');
1600            styleGuideScript.async = false;
1601            head.appendChild(styleGuideScript);
1602        }
1603    </script>
1603
1604
1605    
1605<script>
1606        window.dataLayer = []
1607        window.paywall = window['paywall'] || []
1608    </script>
1608
1609
1610    
1610<script type='text/javascript'>
1611
1612  let section = "";
1613  let data_tags = [];
1614  let page_category;
1615  let pathname = window.location.pathname;
1616  let contentType = "article";
1617  let articleSourceLabel = "FCC";
1618
1619  if (pathname === '/') {
1620    section = "home"
1621    page_category = "Homepage"
1622    data_tags.push('sectionfront')
1623  }
1624  else if ((contentType === "article") || (contentType === "paidUserContent") || (contentType === "gallery") || (contentType === "video")) {
1625    pathname = pathname.split('/');
1626    if (pathname.length > 2){
1627        section = pathname[1];
1628    }
1629    page_category = pathname[1];
1630
1631    for (i = 2; i < pathname.length - 1; i++) {
1632        section += '/' + pathname[i]
1633    }
1634  }
1635  else {
1636    pathname = pathname.split('/');
1637    section = pathname[1]
1638    page_category = pathname[1]
1639    let title = "Most of Minnesota&#x27;s small group, individual health insurers post double-digit rate increases for 2027 - Post Bulletin | Rochester Minnesota news, weather, sports"
1640    let formattedTitle = title.toLowerCase()
1641    let formattedSection = section.toLowerCase()
1642    if (formattedSection === formattedTitle) {
1643        data_tags.push('sectionfront')
1644    }
1645
1646    for (i = 2; i < pathname.length; i++) {
1647        section += '/' + pathname[i]
1648    }
1649  }
1650
1651  if (page_category === undefined) {
1652    page_category = "article"
1653  }
1654
1655  if (section === ""){
1656    section = "unknown";
1657  }
1658
1659  
1660    data_tags.push("HEALTH")
1661  
1662    data_tags.push("INSURANCE")
1663  
1664    data_tags.push("ST. PAUL")
1665  
1666
1667
1668  let authorName = "";
1669
1670  
1671    
1672      
1673      
1674        authorName = "Dené K. Dryden";
1675      
1676      
1677      
1678    
1679  
1680
1681  if (authorName === ""){
1682    authorName = "not set";
1683  }
1684
1685  let data_layer_obj = {
1686    "articleId": "000001a0-f84c-debf-a7e5-ffcd0c3a0001",
1687    "articleTitle": "Most of Minnesota&#x27;s small group, individual health insurers post double-digit rate increases for 2027 - Post Bulletin | Rochester Minnesota news, weather, sports",
1688    "pageDescription": "The final rate increases, announced by the Minnesota Department of Commerce on Thursday, will impact around 387,000 small group employees and self-insured Minnesotans.",
1689    "site": window.location.hostname,
1690    "tags": data_tags,
1691    "url": window.location.pathname,
1692    "FCC_SectionName": section.toLowerCase(),
1693    "FCC_ContentType": "article",
1694    "FCC_PublishDate": "October 01, 2026",
1695    "FCC_ArticleSource": articleSourceLabel
1696  }
1697
1698  dataLayer.push({'page_category': page_category});
1699  dataLayer.push(data_layer_obj);
1700  if ((contentType === "article") || (contentType === "video") || (contentType === "generated content") || (contentType === "podcast")){
1701    
1702      dataLayer.push({"FCC_Author": authorName});
1703    
1704  }
1705
1706  let fccUserStatusCookie = getForumCookie("_fcc_user_status");
1707  if (fccUserStatusCookie === "") {
1708    fccUserStatusCookie = "unknown";
1709  }
1710  dataLayer.push({"FCC_UserStatus": fccUserStatusCookie});
1711</script>
1711
1712
1713
1714    
1714<script src="https://cdn.forumcomm.com/resource/0000017b-5a43-de16-ab7f-ffcfc2a20000/styleguide/All.min.9c687352b7cf21e9f3e4c42a3b5146f0.gz.js" async></script>
1714
1715
1716    
1717<!-- Google Tag Manager -->
1718<script>
vendor: 355 bytes, lines 1718-1722
1718(function(w,d,s,l,i){w[l]=w[l]||[];w[l].push({'gtm.start':
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1722})(window,document,'script','dataLayer','
1722GTM-K29394N
vendor: 3 bytes, line 1722
1722');
1722</script>
1722
1723<!-- End Google Tag Manager -->
1724<script async="async" src="https://www.googletagservices.com/tag/js/gpt.js"></script>
1724<script type="text/javascript">
1725    window.googletag = window.googletag || {cmd: []};
1726    // setup of ad slots
1727    var dfpAdSlotsObject = {}
1728    var dfpAdSlots = []
1729    var dfpAdIds = []
1730    var staticAdSlots = []
1731</script>
1731
1732
1733<script type="text/javascript">
1734    // DFP Enable services
1735    var dfpEnableLazyLoad;
1736    googletag.cmd.push(function () {
1737        if (typeof Storage !== "undefined") {
1738            var targetingParamStr = localStorage.getItem("bcDFPTargetingParams");
1739
1740            if (targetingParamStr) {
1741                var targetingParameters = JSON.parse(targetingParamStr);
1742
1743                // set page-level targeting parameters
1744                for (let i = 0; i < targetingParameters.length; i++) {
1745                    window.googletag.pubads().setTargeting(targetingParameters[i].key, targetingParameters[i].value);
1746                }
1747            }
1748        }
1749            // DFP lazyLoad
1750            dfpEnableLazyLoad = true;
1751            var dfpMobileScaling = 2.0;
1752            var dfpFetchMarginPercent = 200;
1753            var dfpRenderMarginPercent = Math.round(100);
1754            window.googletag.pubads().enableLazyLoad({
1755                fetchMarginPercent: dfpFetchMarginPercent,
1756                renderMarginPercent: dfpRenderMarginPercent,
1757                mobileScaling: dfpMobileScaling
1758            });googletag.pubads().disableInitialLoad();
1759        googletag.enableServices();
1760    });
1761</script>
1761
1762
1763<script>
1764
1765  window.fbAsyncInit = function() {
1766      FB.init({
1767          
1768              appId : '1236542657263794',
1769          
1770          xfbml : true,
1771          version : 'v2.9'
1772      });
1773  };
1774
1775  (function(d, s, id){
1776     var js, fjs = d.getElementsByTagName(s)[0];
1777     if (d.getElementById(id)) {return;}
1778     js = d.createElement(s); js.id = id;
1779     js.src = "//connect.facebook.net/en_US/sdk.js";
1780     fjs.parentNode.insertBefore(js, fjs);
1781   }(document, 'script', 'facebook-jssdk'));
1782</script>
vendor: 1 bytes, line 1782
1782
1783<script src="https://ak.sail-horizon.com/spm/spm.v1.min.js"
1784    ></script>
vendor: 1 bytes, line 1784
1784
1785<script>function getPublication() {
1786  const domain = window.location.hostname
1787  const arr = domain.split('.')
1788  if (
1789    domain.includes('lower') ||
1790    domain.includes('localhost') ||
1791    !domain.includes('www')
1792  ) {
1793    return arr[0]
1794  } else {
1795    return arr[1]
1796  }
1797}
1798
1799function setToken(publication) {
1800  let token
1801  switch (publication) {
1802    case 'agweek':
1803      token =
1804        'RPepVmh0vJN92J50Sqb3G00cts4oYzpTX7XIT0K52pgOEm10JGJg6v9LGI45OkurHSd0aWeJotNM2XAwMginZA=='
1805      break
1806    case 'echopress':
1807      token =
1808        'S9t+rEOcX7s/SLwL/qn084vLJwfm0YbQe7QZWzuNbzyxy/ybPdN7/IUhBjPzo3jtC3Q1+7vvixztuB04gMDvyg=='
1809      break
1810    case 'bemidjipioneer':
1811      token =
1812        'X7TM9oLhMedoSJ6J44nkW28gzKTTe1QN1/7DhcCK0DCI16e1cpQYdH120+meeTp/Ykc/9WjgxLovEgg0BzIFPg=='
1813      break
1814    case 'brainerddispatch':
1815      token =
1816        'aYyr7q37TKQAM4RZ8Ld6MnzruamqGwL/ftcrLZJut2MFJ9LYE2HHamcDkmYUrw/rQebUa2JpG+ruAhrrO+4sTg=='
1817      break
1818    case 'pinejournal':
1819      token =
1820        'r1xae1vcdOyiTcxyYRHrJN1GIiym3ChKnrdbV4TPh4fIdHX/vkXZbEnU75t0FnjqKHus5YCW5jFYLyu0ekAPqg=='
1821      break
1822    case 'dl-online':
1823      token =
1824        '8jsWi456AyzUXaWnCX1JOk4NE3XrK5aK5xueFwFsSsLBNIMafysCEkFUbtyTAKFOpd2rYooma1qGWtP+FXts/w=='
1825      break
1826    case 'thedickinsonpress':
1827      token =
1828        'fO+F5w5KNQlOpaWXcy0AjIGPScaE8uoJ/5Hvk9w/g4zEu4lgNBTZl1CcGmOWiJwGS0lRJ0JyiTyhw3jq3BBeDg=='
1829      break
1830    case 'duluthnewstribune':
1831      token =
1832        'Xh+HLGUIbJCanyCbLN5SswxYBKRqxC2KEEs9yN0suZSQyUz6JYgk3T/snGo0esn8ITK7073VMqJfnGcsqnUOcA=='
1833      break
1834    case 'grandforksherald':
1835      token =
1836        'IpJRNkDAcyDvOHFJiv684oh+rIj+X8p086izQuqjsuV+HzjYZCcj1WL20NegMIFdiUGiY+qE+ZruK7J6CrDAww=='
1837      break
1838    case 'inforum':
1839      token =
1840        'lF09xhxnBGemxxkyyiXOI5LN7VNOwIC+bEzvlUdEn/wJSa1qWBJhDLW5sW3w7N04/AuQ31VcJHELon56b3G4bA=='
1841      break
1842    case 'jamestownsun':
1843      token =
1844        'EYLbsmFjkIYjJLc+3NMExxwuRF6ZPmo/8sfcvSjRviCkf1t8OuUuP/Tp54YeyAlIq4YlbekEKncoCEMqt3ZMMg=='
1845      break
1846    case 'mitchellrepublic':
1847      token =
1848        'dxoL5YloXW3EPsJxHQ45mKO85quix1FCVB43rcFktF2FrxqtxCjJUkSlwRWY5FABMp1EY7Q3KHTudqxjaz85rw=='
1849      break
1850    case 'parkrapidsenterprise':
1851      token =
1852        '0qcPi2TjsDaBoDDaVVKQz4R/CNvgtVKxQytu44a8pFbXmKTWHtrzJ9ephy4076vwORmwHfGrGhULarSOCdzKbA=='
1853      break
1854    case 'perhamfocus':
1855      token =
1856        'z2uCmH7HUqkzjRS2txWSzIZ72iAboXyHKpyR6tLy5ax3OZYrvtPttJVwrMRza4SFMYFuXe2+n9qlgOiT8nQV+A=='
1857      break
1858    case 'pineandlakes':
1859      token =
1860        'ogDFL5Lxr557c+M6qQIjZgXaaHFXQAfXMcTaQmULm7ULqKEz+OwO4lf7Qkshp5SkAPouhvsMjq0mQFJ5q790YA=='
1861      break
1862    case 'postbulletin':
1863      token =
1864        'Yw+LxNxL2KjzffSHJb/D8T02Ltf3BWN5d9Vbj11lwnr1RSIwhceLzHY9YLd8htgPDUwGCosIJvxKEW0nlSZHoA=='
1865      break
1866    case 'siouxfallslive':
1867      token =
1868        'sqQVfWAm89FVuiBSbigtLgGaKaYFLpb3LFLs/Sx9iwsFzjFOGaVKIJ/m0/3m63Rs15uOqkfnlTlkb4eE2Kj38w=='
1869      break
1870    case 'stcloudlive':
1871      token =
1872        'gT3izGgZYEOtwtUM9oc3YgSm5YfIsUSFYgs7Nu7Of7aYpmxZ6Yb/2Gp6iqZ2shJQH6kXKtZxvKsN4yWOeWIKOw=='
1873      break
1874    case 'superiortelegram':
1875      token =
1876        'xLgh+ltMN+dUy6t7dwso1JcmAh3Uf0Wt+F5CRkmXpcI21lv1mV7WUouHg39OdcqvXPdAho69envdlQiDARPyqQ=='
1877      break
1878    case 'therinklive':
1879      token =
1880        'wlYrB/JfNIMhOkbO157O/ekGaRCetx7/GUFN0Isa+3oVp/jlj2+pq/VU3SKD6KGZcN4uqb1Mik30N6G26xDhDA=='
1881      break
1882    case 'wadenapj':
1883      token =
1884        'bHho7xoz/+8dIc12L5ndrwqXBm1A3+L7n8v8iiIdniGFTrMYNxL+UyOYCao1s+7KRGOcYjemHwpRruLX6EBMZA=='
1885      break
1886    case 'wctrib':
1887      token =
1888        '2/rD6kiBsSFop93hQ3klKIvSbJr4R9zbEa19dI+X7p8Cq8hMQwZwqhTG8Nk9ADT60HUuXghHo5h7dBWb3DiU3Q=='
1889      break
1890    case 'dglobe':
1891      token =
1892        'O+CaNjr5N4wUdLqlqBySifAyemwsFnLy2nCSaUCj0x1DzUoS81fbNlVK2t8GEc7S2UuZXWPwa9h10uqnswRlZA=='
1893      break
1894    default:
1895      // Defaults to -1.  Logic below prevents survey from displaying.
1896      token = -1
1897  }
1898  return token
1899}
1900
1901function getBrowserName(userAgent) {
1902  // The order matters here, and this may report false positives for unlisted browsers.
1903
1904  if (userAgent.includes('Firefox')) {
1905    // "Mozilla/5.0 (X11; Linux i686; rv:104.0) Gecko/20100101 Firefox/104.0"
1906    return 'Mozilla Firefox'
1907  } else if (userAgent.includes('SamsungBrowser')) {
1908    // "Mozilla/5.0 (Linux; Android 9; SAMSUNG SM-G955F Build/PPR1.180610.011) AppleWebKit/537.36 (KHTML, like Gecko) SamsungBrowser/9.4 Chrome/67.0.3396.87 Mobile Safari/537.36"
1909    return 'Samsung Internet'
1910  } else if (userAgent.includes('Opera') || userAgent.includes('OPR')) {
1911    // "Mozilla/5.0 (Macintosh; Intel Mac OS X 12_5_1) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/104.0.0.0 Safari/537.36 OPR/90.0.4480.54"
1912    return 'Opera'
1913  } else if (userAgent.includes('Edge')) {
1914    // "Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/58.0.3029.110 Safari/537.36 Edge/16.16299"
1915    return 'Microsoft Edge (Legacy)'
1916  } else if (userAgent.includes('Edg')) {
1917    // "Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/104.0.0.0 Safari/537.36 Edg/104.0.1293.70"
1918    return 'Microsoft Edge (Chromium)'
1919  }
1919 else if (userAgent.includes('Chrome') || userAgent.includes('CriOS')) {
1920    // "Mozilla/5.0 (X11; Linux x86_64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/104.0.0.0 Safari/537.36"
1921    return 'Google Chrome or Chromium'
1922  } else if (userAgent.includes('Safari')) {
1923    // "Mozilla/5.0 (iPhone; CPU iPhone OS 15_6_1 like Mac OS X) AppleWebKit/605.1.15 (KHTML, like Gecko) Version/15.6 Mobile/15E148 Safari/604.1"
1924    return 'Apple Safari'
1925  } else {
1926    return 'unknown'
1927  }
1928}
1929
1930function getOperatingSystem() {
1931  const userAgent = navigator.userAgent.toLowerCase()
1932  let os
1933
1934  if (/windows/.test(userAgent)) {
1935    os = 'Windows'
1936  }
1937  if (/mac os|macintosh/.test(userAgent)) {
1938    os = 'MacOS'
1939  }
1940  if (/linux/.test(userAgent)) {
1941    os = 'Linux'
1942  }
1943  if (/iphone|ipad|ipod/.test(userAgent)) {
1944    os = 'iOS'
1945  }
1946  if (/android/.test(userAgent)) {
1947    os = 'Android'
1948  }
1949  if (os === '') {
1950    os = 'Unknown'
1951  }
1952
1953  return os
1954}
1955
1956function getDeviceType() {
1957  const userAgent = navigator.userAgent.toLowerCase()
1958
1959  if (/iphone|ipod|android|blackberry|mini|windows\sce|palm/i.test(userAgent)) {
1960    return 'Mobile'
1961  } else if (/ipad|tablet|kindle|playbook|xoom|silk/i.test(userAgent)) {
1962    return 'Tablet'
1963  } else {
1964    return 'Desktop'
1965  }
1966}
1967
1968function check30DayLimit() {
1969  const currentDate = new Date().getTime()
1970  const userData = Connext.Storage.GetUserData()
1971  const accountStart = userData.AddDate.getTime()
1972  const expiration = accountStart + 30 * 24 * 60 * 60 * 1000
1973
1974  if (currentDate < expiration) {
1975    // Less than 30 days
1976    return false
1977  } else {
1978    // At least 30 days
1979    return true
1980  }
1981}
1982
1983function setMetadataInfo() {
1984  const browserName = getBrowserName(navigator.userAgent)
1985  const operatingSystem = getOperatingSystem()
1986  const device = getDeviceType()
1987  const propertyName = document.querySelector(
1988    'meta[property="og:site_name"]'
1989  ).content
1990  const metaData = {
1991    Browser: browserName,
1992    'Device Type': device,
1993    'Property Name': propertyName,
1994    'Operating System': operatingSystem,
1995    'Page Title': document.title,
1996    'Page URL': window.location.href,
1997    'Referrer URL': document.referrer,
1998    Source: 'Web',
1999  }
2000
2001  return metaData
2002}
2003
2004function waitForUserStatus() {
2005  return new Promise(waitForUser)
2006
2007  function waitForUser(resolve) {
2008    if (window.user && window.user.status) resolve(window.user.status)
2009    else if (window.location.host.includes('therinklive')) {
2010      window.user = { status: 'anonymous' }
2011      resolve(window.user)
2012    } else setTimeout(waitForUser.bind(this, resolve), 50)
2013  }
2014}
2015
2016async function waitForSS(userData) {
2017  while (!Object.prototype.hasOwnProperty.call(window, 'surveysensum'))
2018    await new Promise((resolve) => setTimeout(resolve, 50))
2019  const metaData = setMetadataInfo()
2020  window.surveysensum.setUserInfo(userData)
2021  window.surveysensum.setMetadataInfo(metaData)
2022  window.surveysensum.startSurvey('start')
2023}
2024
2025waitForUserStatus().then(() => {
2026  const publication = getPublication()
2027  if (
2028    publication === 'therinklive' ||
2029    (user.status !== 'anonymous' && check30DayLimit())
2030  ) {
2031    const token = setToken(publication)
2032    if (token === -1) {
2033      console.error('Survey Sensum token not set')
2034      return
2035    }
2036
2037    const loaderScript = document.createElement('script')
2038    loaderScript.src = 'https://assets.surveysensum.com/in-app/ss-widget.min.js'
2039    loaderScript.setAttribute('async', '')
2040    loaderScript.setAttribute('data-survey-token', token)
2041    document.head.appendChild(loaderScript)
2042
2043    let userData = ''
2044    if (window.user.status !== 'anonymous') {
2045      userData = { 'User Status': window.user.status }
2046      userData.Email = user.email
2047      userData.Name = 'Registered'
2048
2049      if (user.status === 'subscribed') {
2050        const storage = Connext.Storage.GetUserData()
2051        const firstName = storage.DigitalAccess.Subscription.FirstName
2052        const lastName = storage.DigitalAccess.Subscription.LastName
2053        userData.Name = firstName + ' ' + lastName
2054      }
2055    }
2056
2057    waitForSS(userData)
2058  }
2059})
2060</script>
vendor: 1 bytes, line 2060
2060
2061<script>Sailthru.init({ customerId: '5a76b1ba23dbeef7ab4916928a3057cd' });</script>
2061
2062
2063    
2063<script async="async" src="https://cdn.forumcomm.com/resource/0000017b-5a43-de16-ab7f-ffcfc2a20000/staticjs/prebid11.0.0.0c45189d6c8c1d5b5978fce0a99c01f4.gz.js"></script>
2063
2064
2065    
2065<script type="text/javascript">
2066        var enablePrebid = true;
2067        var bidderTimeout = 3000;
2068        var GRANULARITY = 'dense';
2069        var desktopSizes = [
2070            [970, 250],
2071            [300, 600],
2072            [970, 90],
2073            [728, 90],
2074            [300, 250],
2075            [468, 60]
2076        ];
2077        var tabletSizes = [[728, 90], [300, 600], [300, 250]];
2078        var phoneSizes = [[320, 100], [320, 50], [300, 250]];
2079
2080        // Generic ad mapping used for dynamic sizing
2081        var ad_mapping_large_desktop = [[980, 330], [728, 90], [960, 200], [930, 180], [970, 90], [970, 250], [970, 66], [980, 120], [300, 250], [300, 600], [100, 25]];
2082        var ad_mapping_desktop = [[980, 330], [728, 90], [960, 200], [930, 180], [970, 90], [970, 250], [970, 66], [980, 120], [300, 250], [300, 600]];
2083        var ad_mapping_tablet = [[728, 90], [300, 600], [300, 250], [100, 25]];
2084        var ad_mapping_phone = [[320, 100], [320, 50], [300, 50], [300, 600], [300, 250], [250, 250], [320, 100]];
2085        var sizeConfig = [{
2086            'mediaQuery': '(min-width: 1275px)',
2087            'sizesSupported': ad_mapping_large_desktop,
2088            'labels': ['large-desktop']
2089        }, {
2090            'mediaQuery': '(min-width: 1000px) and (max-width: 1274px)',
2091            'sizesSupported': ad_mapping_desktop,
2092            'labels': ['desktop']
2093        }, {
2094            'mediaQuery': '(min-width: 760px) and (max-width: 999px)',
2095            'sizesSupported': ad_mapping_tablet,
2096            'labels': ['tablet']
2097        }, {
2098            'mediaQuery': '(min-width: 0px) and (max-width: 759px)',
2099            'sizesSupported': ad_mapping_phone,
2100            'labels': ['phone']
2101        }];
2102        var priceBucket = {
2103            "buckets": [
2104                {
2105                "precision": 2, //default is 2 if omitted - means 2.1234 rounded to 2 decimal places = 2.12
2106                "min": 0,
2107                "max": 4.50,
2108                "increment": 0.01
2109                },
2110                {
2111                "precision": 2,
2112                "min": 4.50,
2113                "max": 10,
2114                "increment": 0.05
2115                },
2116                {
2117                "precision": 2,
2118                "min": 10,
2119                "max": 20,
2120                "increment": 0.10
2121                },
2122                {
2123                "precision": 2,
2124                "min": 20,
2125                "max": 50,
2126                "increment": 0.25
2127                },
2128                {
2129                "precision": 2,
2130                "min": 50,
2131                "max": 100,
2132                "increment": 0.50
2133                }
2134            ]
2135        };
2136        var confSetConfig = {
2137            enableTIDs: true,
2138            priceGranularity: priceBucket,
2139            // debug: true,
2140            // cache: {
2141            //     url: false
2142            // },
2143            userSync: {
2144                filterSettings: {
2145                    iframe: {
2146                        bidders: '*',   // '*' means all bidders
2147                        filter: 'include'
2148                    }
2149                },
2150                syncsPerBidder: 10, // and no more than 10 syncs at a time
2151                syncDelay: 10000, // 10 seconds after the auction
2152            },
2153            sizeConfig: sizeConfig
2154        };
2155    </script>
2155
2156
2157    <fcc-first-entry-campaign id="First-entry-campaign" showFirstEntryCampaign="true"></fcc-first-entry-campaign>
2158
2159    
2159<script>
2160        var link = document.createElement('link');
2161        link.setAttribute(
2162            'href',
2163            '//fonts.googleapis.com/css?family=Brygada+1918:ital,wght@0,400;0,500;0,600;0,700;1,400;1,500;1,600;1,700|Source+Sans+Pro:300,400,600,700,900'
2164        )
2165        var relList = link.relList;
2166        if (relList && relList.supports('preload')) {
2167            link.setAttribute('as', 'style');
2168            link.setAttribute('rel', 'preload');
2169            link.setAttribute('onload', 'this.rel="stylesheet"');
2170            link.setAttribute('crossorigin', 'anonymous');
2171        } else {
2172            link.setAttribute('rel', 'stylesheet');
2173        }
2174        head.appendChild(link);
2175    </script>
2175
2176
2177     
2177<script type="text/javascript">
2178        (function () {
2179            function clickEpaper() {
2180                let epaperLink = "https://epaper.stcloudlive.com/";
2181                function redirectToEpaper() {
2182                    window.location.href = epaperLink;
2183                }
2184                redirectToEpaper();
2185            }
2186
2187            function clickYellowSubscribe(subscribeUrl, offerTitle, clickClass) {
2188                // sophi User Properties - Subscribe button click
2189                try {
2190                    demeter("userProperties", {
2191                        args: {
2192                            2: true,
2193                        }
2194                    });
2195                } catch (err) {
2196                    console.log("sophi not loaded to page")
2197                }
2198                // calls clickSubscribe to fulfill subscribe button duties
2199                clickSubscribe(subscribeUrl, offerTitle, clickClass)
2200            }
2201
2202            function clickOfferSubscribe(subscribeUrl, offerTitle, clickClass) {
2203                // datalayer push for subscribe offers
2204                let subscribeOfferData = {
2205                    subscribe_offer_title: offerTitle
2206                }
2207
2208                dataLayer.push({'event': 'subscribe_offer_selected', ...subscribeOfferData});
2209
2210                clickSubscribe(subscribeUrl, offerTitle, clickClass)
2211            }
2212
2213            function clickSubscribe(subscribeUrl, offerTitle, clickClass) {
2214                try {
2215                    enterSophiSubscriptionFunnel()
2216                } catch {
2217                    console.log("Subscription Funnel: Sophi not loaded to page")
2218                }
2219
2220                offerTitle = offerTitle || '';
2221                clickClass = clickClass || '';
2222
2223                if (getForumCookie('_fcc_utm_campaign') == '') {
2224                createCampaignCookie(subscribeUrl, offerTitle);
2225                }
2226                if (!isNavigaTemplate(subscribeUrl, clickClass)) {
2227                window.location.href = updateUrlCampaignParameters(subscribeUrl, clickClass);
2228                }
2229            }
2230            function isNavigaTemplate(url, clickClass) {
2231                let subscribeLinks = document.getElementsByClassName('subscribe-button');
2232                for (let i = 0; i < subscribeLinks.length; i++) {
2233                    if (subscribeLinks[i].href === url) {
2234                        subscribeLinks[i].setAttribute(
2235                        'href',
2236                        updateUrlCampaignParameters(url, clickClass)
2237                        );
2238                        return true;
2239                    }
2240                }
2241                return false;
2242            }
2243            // For G2I to work correctly, all three parameters must be present
2244            // otherwise the parameters will not be recorded
2245            function hasAllParams(queryString) {
2246                let hasUtmCampaign =
2247                queryString.includes('utm_source') &&
2248                queryString.includes('utm_medium') &&
2249                queryString.includes('utm_campaign');
2250                let hasG2iCampaign =
2251                queryString.includes('g2i_source') &&
2252                queryString.includes('g2i_medium') &&
2253                queryString.includes('g2i_campaign');
2254                return hasUtmCampaign || hasG2iCampaign;
2255            }
2256            function createCampaignCookie(tempQueryString, offerTitle) {
2257                offerTitle = offerTitle || '';
2258                let source = '';
2259                let medium = '';
2260                let campaign = '';
2261                let queryString = tempQueryString
2262                    .replace('?', '&')
2263                    .replace('utm_source', 'g2i_source')
2264                    .replace('utm_medium', 'g2i_medium')
2265                    .replace('utm_campaign', 'g2i_campaign');
2266                let queryStringParams = queryString.split('&');
2267                for (let i = 0; i < queryStringParams.length; i++) {
2268                    let tempString = queryStringParams[i];
2269                    let tempArr = tempString.split('=') || [];
2270                    if (tempString.includes('g2i_source') && source === '') {
2271                        source = '&'.concat('g2i_source=', encodeURIComponent(tempArr[1]));
2272                    }
2273                    if (tempString.includes('g2i_medium') && medium === '') {
2274                        medium = '&'.concat('g2i_medium=', encodeURIComponent(tempArr[1]));
2275                    }
2276                    if (tempString.includes('g2i_campaign') && campaign === '') {
2277                        campaign = '&'.concat('g2i_campaign=', encodeURIComponent(tempArr[1]));
2278                    }
2279                }
2280                // Sets the default values for the cookie
2281                if (source === '') {
2282                    source = '&g2i_source=Brightspot';
2283                }
2284                if (medium === '' && offerTitle !== '') {
2285                    if (offerTitle.includes('Print + Digital')) {
2286                        medium = 'combo';
2287                    } else {
2288                        medium = offerTitle.toLowerCase().replaceAll(' ', '_');
2289                    }
2290                    medium = '&g2i_medium=' + encodeURIComponent(medium);
2291                } else if (medium === '') {
2292                    // ! what should the medium be if the offerTitle is empty?
2293                    medium = '&g2i_medium=unknown';
2294                }
2295                if (campaign === '') {
2296                    campaign = '&g2i_campaign=no_campaign';
2297                }
2298                setForumCookie('_fcc_utm_campaign', source.concat(medium, campaign), 0);
2299            }
2300            function addReturnUrl(url) {
2301                if (!url.includes('returnUrl')) {
2302                    let returnUrl = "";
2303                    let currentUrl = document.location.href;
2304                    // Determine if the currentUrl already has a returnUrl
2305                    if (currentUrl.includes("returnUrl")) {
2306                        returnUrl = currentUrl.split("returnUrl=")[1];
2307                    } else if (currentUrl.includes('/subscribe')) {
2308                        // If on the subscribe page, use the referrer
2309                        returnUrl = document.referrer;
2310                    } else {
2311                        // Otherwise, use the current URL
2312                        returnUrl = currentUrl;
2313                    }
2314                    url = url.concat('&returnUrl=', encodeURIComponent(returnUrl));
2315                }
2316                return url;
2317            }
2318            // Ensures that the URL being passed to it contains all 3 G2I parameters, and adds them if they dont exist
2319            function updateUrlCampaignParameters(navigaSubscribeUrl, clickClass) {
2320                clickClass = clickClass || '';
2321                navigaSubscribeUrl = navigaSubscribeUrl || '';
2322                let tempUrl = navigaSubscribeUrl;
2323                let queryString = navigaSubscribeUrl?.split('?');
2324                let hrefQueryString = (queryString.length > 1) ? queryString[1] : '';
2325                let campaignCookie = getForumCookie('_fcc_utm_campaign');
2326                // If the URL does not contain any parameters
2327                if (hrefQueryString === '') {
2328                    tempUrl = navigaSubscribeUrl.concat(campaignCookie.replace('&', '?'));
2329                    if (clickClass === 'Page-header-subscribe') {
2330                        dataLayer.push({'subscribe_button_url': tempUrl });
2331                    }
2332                    return addReturnUrl(tempUrl);
2333                }
2334                if (hasAllParams(navigaSubscribeUrl)) {
2335                    if (clickClass === 'Page-header-subscribe') {
2336                        dataLayer.push({'subscribe_button_url': navigaSubscribeUrl });
2337                    }
2338                    return addReturnUrl(navigaSubscribeUrl);
2339                } else {
2340                    if (!hrefQueryString.includes('g2i_source')) {
2341                        tempUrl = tempUrl.concat('&g2i_source=Brightspot');
2342                    } else if (!hrefQueryString.includes('g2i_medium')) {
2343                        tempUrl = tempUrl.concat('&g2i_medium=unknown');
2344                    } else if (!hrefQueryString.includes('g2i_campaign')) {
2345                        tempUrl = tempUrl.concat('&g2i_campaign=no_campaign');
2346                    }
2347                    if (clickClass === 'Page-header-subscribe') {
2348                        dataLayer.push({'subscribe_button_url': tempUrl });
2349                    }
2350                    return addReturnUrl(tempUrl);
2351                }
2352            }
2353            // Check for query string parameters with campaign codes
2354            // and FCC UTM Campaign cookie
2355            let queryString = document.location.search;
2356            if (
2357                getForumCookie('_fcc_utm_campaign') === '' &&
2358                queryString !== '' &&
2359                hasAllParams(queryString)
2360            ) {
2361                createCampaignCookie(queryString);
2362            }
2363            
2364                ensureUserIsSet().then(function(){
2365                    if (window?.user.status === 'subscribed') {
2366                        let ownedSubs = Connext.Storage.GetUserData().OwnedSubscriptions;
2367                        for (const ownedSub of ownedSubs) {
2368                            if (ownedSub.PaperCode === 'SLS') {
2369                                setForumCookie('_fcc_sls_subscribed', true, 0);
2370                            }
2371                        }
2372                    }
2373                    else {
2374                        setForumCookie('_fcc_sls_subscribed', false, 0);
2375                    }
2376                });
2377            
2378            Object.assign(window, {
2379                clickEpaper: clickEpaper,
2380                clickSubscribe: clickSubscribe,
2381                clickYellowSubscribe: clickYellowSubscribe,
2382                clickOfferSubscribe: clickOfferSubscribe
2383            });
2384        })();
2385    </script>
2385
2386</head>
2387
2388    <body class="Page-body" data-header-hat="true"
2389
2390
2391>
2392    <!-- Google Tag Manager (noscript) -->
vendor: 73 bytes, lines 2392-2394
2392
2393<noscript>
2394    <iframe src="https://www.googletagmanager.com/ns.html?id=
2394GTM-K29394N
vendor: 88 bytes, lines 2394-2396
2394"
2395    height="0" width="0" style="display:none;visibility:hidden"></iframe>
2396</noscript>
2397<!-- End Google Tag Manager (noscript) --><auth0-script>
2398  
2398<script async type='text/javascript'>
2399    pianoUserId = window['pianoUserId']
2400    paywall = window['paywall']
2401
2402    window.addEventListener("message", function(evt) {
2403      if(evt.data && evt.data === "login") {
2404        login();
2405      }
2406    });
2407
2408    window.addEventListener("message", function(evt) {
2409      if(evt.data && evt.data === "register") {
2410        signup();
2411      }
2412    });
2413
2414    // Created Date
2415    if("October 01, 2026" === "October 01, 2026 03:27 PM") {
2416      // The content published date
2417      paywall.createdDate = "2026-10-01T18:10:53.251Z";
2418    } else {
2419      // The content published date
2420      paywall.createdDate = "2026-10-01T20:27:45.835Z";
2421    }
2422
2423    if (paywall.createdDate) {
2424      // Article Age (in milliseconds)
2425      let articleAgeMS = Date.parse(new Date()) - Date.parse(paywall.createdDate);
2426      // Article Age (in days -- 86400000 ms/day)
2427      paywall.ageInDays = Math.floor(articleAgeMS/86400000);
2428    }
2429
2430    // The content author
2431    paywall.author = "Dené K. Dryden";
2432
2433    // The article ID
2434    paywall.contentId = "000001a0-f84c-debf-a7e5-ffcd0c3a0001";
2435
2436    // Page Type
2437    let articleBody = "1"
2438    if (window.location.pathname === '/') {
2439      paywall.pageType = "homepage";
2440    }
2441    else if (articleBody > 0 || window.location.href.indexOf("/obits/") > -1 || contentType === 'blog post') {
2442      paywall.pageType = "article";
2443    }
2444    else if (contentType === 'video') {
2445      paywall.pageType = "video";
2446    }
2447    else {
2448      paywall.pageType = "sectionfront";
2449    }
2450
2451    paywall.pageName = "https://www.postbulletin.com/health/most-of-minnesotas-small-group-individual-health-insurers-post-double-digit-rate-increases-for-2027";
2452
2453    // The Section Name
2454    let sectionName;
2455    
2456      
2457        sectionName = "Health"
2458      
2459    
2460
2461    let js_tags = []
2462
2463    if (sectionName == undefined) {
2464      if (window.location.pathname === '/') {
2465        sectionName = "Home"
2466      }
2467      else if (paywall.pageType === "video") {
2468        sectionName = "video"
2469      }
2470      else {
2471        let pathname = window.location.pathname.split('/')
2472        /*
2473          freeChildPages are free content that falls under a parent section
2474          e.g. /account/newletters, /podcasts/agweek-podcast, or /obituaries/obits/firstname-lastname-hashkey
2475        */
2476        let freeChildPages = ["account", "legal-notices", "obituaries", "obits", "podcasts"]
2477        sectionName = (freeChildPages.includes(pathname[1]) && typeof(pathname[2]) !== "undefined") ?
2478            pathname[1] : pathname.slice(-1)[0];
2479      }
2480    }
2481
2482    
2483      js_tags.push("HEALTH")
2484    
2485      js_tags.push("INSURANCE")
2486    
2487      js_tags.push("ST. PAUL")
2488    
2489
2490    let cannabisCookie = getForumCookie('_fcc_cannabis_session')
2491    paywall.cannabis = cannabisCookie
2492
2493    // The content tags
2494    paywall.tags = js_tags;
2495
2496    paywall.sectionName = sectionName;
2497  </script>
2497
2498</auth0-script>
2499
2500
2501    
2502        
2502<script async>
2503    const getEnvironment = () => {
2504        const hostNameArray = window.location.hostname.split('.')
2505        const indexOfWWW = hostNameArray.indexOf('www')
2506        if (indexOfWWW > -1) {
2507          hostNameArray.splice(indexOfWWW, 1)
2508        }
2509        var propertyName = hostNameArray[0]
2510        var environment = 'production'
2511        if (window.location.hostname.includes('qa') ||
2512          window.location.hostname.includes('uat') ||
2513          window.location.hostname.includes('localhost')
2514        ) {
2515          environment = 'test'
2516        } else if (window.location.hostname.includes('web')) {
2517          environment = 'production-other'
2518        }
2519        return environment
2520    }
2521
2522    // Reserved for Sophi User Properties available on initial page load.
2523    const setSophiUserProperties = (userStatus) => {
2524        const urlParams = new URLSearchParams(window.location.search)
2525        const utmSource = urlParams.get('utm_source')
2526        const utmMedium = urlParams.get('utm_medium')
2527
2528        const navigaSubPromoEligible = (paywall.promoEligible === "yes")
2529
2530        let newUserProperties = {}
2531        if (userStatus == '' && utmSource == 'email' && utmMedium == 'newsletter') {
2532            demeter('userProperties', {
2533                args: {
2534                    1: true,
2535                    4: navigaSubPromoEligible
2536                }
2537            });
2538        } else if (userStatus !== 'subscribed' && utmSource == 'email' && utmMedium == 'newsletter') {
2539            demeter('userProperties', {
2540                args:  {
2541                    visitorType: userStatus,
2542                    1: true,
2543                    4: navigaSubPromoEligible
2544                }
2545            });
2546        } else if (userStatus == 'anonymous' || userStatus == 'registered') {
2547            demeter('userProperties', {
2548                args: {
2549                    visitorType: userStatus,
2550                    4: navigaSubPromoEligible
2551                }
2552            });
2553        }
2554    }
2555
2556    const enterSophiSubscriptionFunnel = () => {
2557        demeter('userProperties', {
2558            args: {
2559                3: true
2560            }
2561        })
2562    }
2563
2564    const getSophiDecision = async (userStatus) => {
2565        if (userStatus == '') {
2566            let decision = await demeter('getDecision');
2567            if (decision.outcome.wallVisibility === 'always') {
2568                paywall.sophiWallType = decision.outcome.wallType // 'regwall' or 'paywall'
2569            }
2570        } else if (userStatus !== 'subscribed') {
2571            let decision = await demeter('getDecision', {
2572                args: { visitor: userStatus }, // 'registered' or 'anonymous'
2573            });
2574            if (decision.outcome.wallVisibility === 'always') {
2575                paywall.sophiWallType = decision.outcome.wallType // 'regwall' or 'paywall'
2576            }
2577        }
2578    }
2579
2580    const sophiMount = async () => {
2581        // Allows Sophi Logs to show in Console
2582        if (getEnvironment() === 'test') {
2583            demeter('config', {
2584                args: {
2585                    logLevel: 'debug' // default log level is 'warn'
2586                }
2587            })
2588        }
2589
2590        const userStatus = getForumCookie('_fcc_user_status')
2591        setSophiUserProperties(userStatus)
2592
2593        const isArticle = paywall.pageType === 'article' ? true : false;
2594        const sophiSection = paywall.sectionName;
2595
2596        // Track standard pageview event
2597        demeter('pageview', {
2598            args: {
2599                article: isArticle,     // Bool: Identifies if this is an article page
2600                section: sophiSection   // String: Top level section of the article
2601            }
2602        });
2603
2604        // 1. Get values from window.sophi.dataLayer
2605
2606        await demeter('getSophiContext');
2607
2608        const sophiData = window.sophi.dataLayer;
2609
2610        // 2. Set up tracking properties
2611
2612        var sophi_propensity = ''
2613        if (sophiData && sophiData.trace) {
2614            sophi_propensity = sophiData.trace.substring(3,5)
2615            paywall.sophiPropensityScore = sophi_propensity
2616        }
2617
2618        const trackingProperties = {
2619            sophi_trace: sophiData.trace,
2620            sophi_context: sophiData.context,
2621            sophi_inputs: sophiData.inputs,
2622            sophi_assigned_group: sophiData.assignedGroup,
2623            experiments_code: sophiData.experimentsCode,
2624            sophi_propensity_score: sophi_propensity,
2625            sophi_user_properties: sophiData.userProperties,
2626            sophi_content_properties: sophiData.contentProperties
2627        };
2628
2629        // Track a pageview event
2630        dataLayer.push({'event': 'sophi_page_view', ...trackingProperties});
2631
2632        // Updated a/b testing for Sophi v2.0
2633        const assignedGroup = sophiData.assignedGroup;
2634        if (assignedGroup === 'variant') {
2635            paywall.assignedGroup = 'variant'
2636            getSophiDecision(userStatus)
2637        } else {
2638            paywall.assignedGroup = 'control'
2639        }
2640
2641        function generateLink (arr, propensityScore, isPromo) {
2642            if (!isPromo) {
2643               // update subscribe links
2644                updateSubscribeButtonLinks(arr[0].url)
2645                // footer
2646                updateFooterLink(arr[0].url)
2647                return
2648            }
2649            // calc length & map to offers
2650            const total = 100;
2651            const interval = total / arr.length;
2652
2653            const scoredOffers = arr.map((item, index) => {
2654                const upper = total - interval * index;
2655                const lower = total - interval * (index + 1);
2656                return {
2657                    ...item,
2658                    scoreRange: {
2659                        lower: parseFloat(lower.toFixed(2)),
2660                        upper: parseFloat(upper.toFixed(2))
2661                    }
2662                }
2663            })
2664
2665            const selectedOffer = scoredOffers.find(item => propensityScore > item.scoreRange.lower && propensityScore <= item.scoreRange.upper)
2666
2667            if (!selectedOffer) {
2668                console.log('no offer default subscribe link used')
2669                return
2670            }
2671
2672            // update subscribe links
2673            updateSubscribeButtonLinks(selectedOffer.url)
2674            // footer
2675            updateFooterLink(selectedOffer.url)
2676        }
2677
2678        function updateSubscribeButtonLinks (url) {
2679            let link = `clickSubscribe('${url}
2679', '', 'Page-header-subscribe')`
2680            // find all subscribe button instances on page
2681            let elementCollection = document.getElementsByClassName('Page-header-subscribe')
2682            let elementArr = Array.from(elementCollection)
2683
2684            elementArr.forEach((element, index) => {
2685                element.setAttribute('onclick', link)
2686            })
2687        }
2688
2689        function updateFooterLink (url) {
2690            let link = `clickSubscribe('${url}', '', 'Page-header-subscribe')`
2691            let footerCollection = document.getElementsByClassName('FooterNavigationItem-items-item')
2692            // find the subscription link
2693            let footerArr = Array.from(footerCollection)
2694
2695            let filteredFooterArr = footerArr.filter(parent => parent.firstChild.innerText?.includes('Subscription Options'))
2696            if (filteredFooterArr.length < 1) {
2697                console.log('no footer links found')
2698                return
2699            }
2700            let footerLink = filteredFooterArr[0].firstChild
2701            if (!footerLink) {
2702                console.log('no anchor in footer link')
2703                return
2704            }
2705            footerLink.removeAttribute('href')
2706            footerLink.setAttribute('onclick', link)
2707        }
2708
2709        // determine subscribe URL based on logic
2710        if (assignedGroup === "variant" && "false" === "true") {
2711            let sophiSubscribeUrlsArr = []
2712            
2713            if (paywall.promoEligible === 'yes') {
2714                // generate subscribe url based on propensity score
2715                generateLink(sophiSubscribeUrlsArr, paywall.sophiPropensityScore, true)
2716            } else {
2717                generateLink(sophiSubscribeUrlsArr, paywall.sophiPropensityScore, false)
2718            }
2719        }
2720
2721        window.dispatchEvent(navigaEngageInitTrigger)
2722    }
2723
2724    // New Event for Sophi Paywall to Trigger on paywall modals after Sophi has mounted
2725    const navigaEngageInitTrigger = new Event('navigaEngageInitTrigger')
2726    window.addEventListener('sophiGlobalScriptMount', function () {
2727        sophiMount()
2728    })
2729</script>
2729
2730    
2731
2732
2733
2734    
2734<script>
2735    (function (d, s, n) {
2736      var js, fjs = d.getElementsByTagName(s)[0];
2737      js = d.createElement(s);
2738      js.className = n;
2739      js.src = "//player.ex.co/player/33705558-dcc5-46ac-8b10-861843026682";
2740      fjs.parentNode.insertBefore(js, fjs);
2741    }(document, 'script', 'exco-player'));
2742</script>
2742
2743
2744    
2745<svg xmlns='http://www.w3.org/2000/svg' style='display:none' id='iconsMap'>
2746    <symbol id='account' viewBox='0 0 24 24'>
2747        <path
2748            d='M12.375 0.375C5.95312 0.375 0.75 5.57812 0.75 12C0.75 18.4219 5.95312 23.625 12.375 23.625C18.7969 23.625 24 18.4219 24 12C24 5.57812 18.7969 0.375 12.375 0.375ZM18.375 20.1562C16.6875 21.4219 14.5781 22.125 12.375 22.125C10.125 22.125 8.01562 21.4219 6.375 20.1562V19.5C6.375 17.8594 7.6875 16.5 9.375 16.5C9.89062 16.5 10.6406 17.0625 12.375 17.0625C14.0625 17.0625 14.8125 16.5 15.375 16.5C17.0156 16.5 18.375 17.8594 18.375 19.5V20.1562ZM19.7812 18.8906C19.4531 16.6875 17.625 15 15.375 15C14.3906 15 13.9219 15.5625 12.375 15.5625C10.7812 15.5625 10.3125 15 9.375 15C7.07812 15 5.25 16.6875 4.92188 18.8906C3.23438 17.0625 2.25 14.6719 2.25 12C2.25 6.42188 6.75 1.875 12.375 1.875C17.9531 1.875 22.5 6.42188 22.5 12C22.5 14.6719 21.4688 17.0625 19.7812 18.8906ZM12.375 5.625C10.0781 5.625 8.25 7.5 8.25 9.75C8.25 12.0469 10.0781 13.875 12.375 13.875C14.625 13.875 16.5 12.0469 16.5 9.75C16.5 7.5 14.625 5.625 12.375 5.625ZM12.375 12.375C10.9219 12.375 9.75 11.2031 9.75 9.75C9.75 8.34375 10.9219 7.125 12.375 7.125C13.7812 7.125 15 8.34375 15 9.75C15 11.2031 13.7812 12.375 12.375 12.375Z' />
2749    </symbol>
2750    <symbol id='mono-icon-Facebook' viewBox='0 0 512 512' xmlns='http://www.w3.org/2000/svg'>
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3254
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3260    <div class="NavigationItem-text">
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3275    <div class="NavigationItem-text">
3276        
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3397            
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3402                    <li class="NavigationItem-items-item"><a class="NavigationLink" href="https://myaccount.stcloudlive.com/stcl/myprofile" target="_self" data-cms-ai="0">Profile</a>
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3424</nav>
3425
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3437    
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3492
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3617
3618</div>
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3627
3628
3629    
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3646
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3738                    
3739                        <a class="Link "  href="https://www.stcloudlive.com/health" data-cms-ai="0"   >Health</a>
3740                    
3741                
3742            </div>
3743        
3744    </div>
3745
3746
3747
3748            
3749    <h1 class="Page-headline">Most of Minnesota&#x27;s small group, individual health insurers post double-digit rate increases for 2027</h1>
3750
3751
3752
3753            
3754    <h2 class="Page-subHeadline">The final rate increases, announced by the Minnesota Department of Commerce on Thursday, will impact around 387,000 small group employees and self-insured Minnesotans.</h2>
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3810
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3814        <div class="Figure-content"><figcaption class="Figure-caption">Health insurance form.</figcaption><div class="Figure-credit">Contributed / Getty Images</div></div>
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3868          
3869        
3870
3871        <div class="Page-authors-container">
3872            
3873                <div class="Page-authors-name">
3874                    
3875                        <span>By</span>
3876                    <a href="https://www.stcloudlive.com/dene-dryden" data-cms-ai="0"><span>Dené K. Dryden</span></a></div>
3877            <div class="Page-datePublished"><span>Today at 1:10 PM</span>
3878                    </div></div>
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3980              <div class="RichTextArticleBody RichTextBody">
3981    
3982      <p>ST. PAUL — Health insurance rates in Minnesota's small group and individual plan markets will rise by an average of 17.4% in 2027, the Minnesota Department of Commerce announced Thursday, Oct. 1.</p><p>
3983    
3984      <a class="Link "  href="https://mn.gov/commerce/insurance/health/consumer-protections/rates/approved/2027/"  target="_blank" data-cms-ai="0"   >Increased prices</a>
3985    
3986       for small group plans — those offered by small and mid-sized employers — range from 10.6% to 21.4%. In the individual health plan market, self-insured Minnesotans could see their rates grow from 9.9% to 21.1%.</p>
3987    
3988      <div class="Enhancement" >
3989            <div class="Enhancement-item">
3990                
3991                
3992                    
3993                        
3994                            
3995    
3996        <div class="GoogleDfpAd-Content" data-slot-name="/7021/forumcomm/stcloudlive/health">
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4006        </div>
4007    
4008
4009
4010                        
4011                    
4012                
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4015    
4016      <p>These increases will affect about 387,000 Minnesotans. The actual increases to people's monthly premiums will depend on where they live, what plan they select, their age and other factors.</p><p>"Health insurance is not a luxury; it's something families rely on," said Julia Dreier, the department's temporary commissioner. "That is why we will continue to scrutinize the rates insurers propose, ensure consumers are treated fairly and work to make health insurance more affordable through state initiatives like the reinsurance program."</p><p>For 
4017    
4018      <a class="Link "  href="https://mn.gov/commerce-stat/insurance/rates/2026/2025_rising_insurance_costs_final.pdf"  target="_blank" data-cms-ai="0"   >plan year 2026,</a>
4019    
4020       Minnesota's average rate increases for small group and individual plans were 14% and 22%, respectively.</p>
4021    
4022      <div class="Enhancement" >
4023            <div class="Enhancement-item">
4024                
4025                
4026                    
4027                        
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4038
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4044    
4045      <p>Ahead of the final 2027 rate changes, Brad Roque, vice president for enterprise accounts at eHealth, said multiple factors, including the growth in GLP-1 prescriptions and newer, more expensive medications and treatments, have had an impact on the nation's health insurance costs.</p><p>"Everybody expects an increase year over year," Roque said. "I think the last few years, it's been a little bit more volatile than we've expected, and we've seen larger increases."</p><p>
4046    
4047      <a class="Link "  href="https://mn.gov/commerce/news/#/detail/appId/3/id/770073"  target="_blank" data-cms-ai="0"   >
4047In its news release,</a>
4048    
4049       the state commerce department said without the state's reinsurance program, "the average final rate change proposed by health insurers was 57.9 percent." Through Minnesota's reinsurance program, the state pays for a portion of medical bills above $50,000.</p><p>The Minnesota Council of Health Plans, the association representing the state's nonprofit health insurers, in a statement called on state lawmakers to make healthcare affordability a priority, and said the increases were partially driven by Gov. Tim Walz's administration "shifting Medicaid costs onto the private market."</p>
4050    
4051      <div class="Enhancement" >
4052            <div class="Enhancement-item">
4053                
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4058    
4059        <div class="GoogleDfpAd-Content" data-slot-name="/7021/forumcomm/stcloudlive/health">
4060            <div id="Lazyload-googleAd70ee21ff-931d-48b5-a906-d5063a2ca911" class="GoogleDfpAd-Lazy" data-box targeting='{"position":["in-article-full-width-2"],"kw":["PB SOCIAL MEDIA","HEALTH","INSURANCE","ST. PAUL","health","stcloudlive"]}' >
4061    <p class="GoogleDfpAd-advertisement"><span>ADVERTISEMENT</span></p>
4062    <div id="googleAd70ee21ff-931d-48b5-a906-d5063a2ca911" data-module class="GoogleDfpAd" data-slot-name="/7021/forumcomm/stcloudlive/health" data-slot-sizes="[[970, 250], [970, 90], [970, 66], [960, 200], [930, 180], [728, 90], [320, 100], [320, 50], [300, 250], [300, 50]]" data-slot-adSizeMap="[[[0, 0], [320, 100], [320, 50], [300, 250], [300, 50]], [[768, 0], [728, 90], [300, 250]], [[1024, 0], [970, 250], [960, 200], [930, 180], [970, 90], [970, 66], [728, 90], [300, 250]]]" data-prebidsjson='[{"bidder":"opsco","params":{"publisherId":"1027","placementId":"10270008"}},{"bidder":"opsco","params":{"publisherId":"1027","placementId":"10270010"}},{"bidder":"opsco","params":{"publisherId":"1027","placementId":"10270009"}},{"bidder":"opsco","params":{"publisherId":"1027","placementId":"10270020"}},{"bidder":"openx","params":{"unit":"540477224","delDomain":"forumcomm-d.openx.net"}},{"bidder":"openx","params":{"unit":"540477234","delDomain":"forumcomm-d.openx.net"}},{"bidder":"ix","params":{"siteId":"248844","size":[300,250]}},{"bidder":"ix","params":{"siteId":"248848","size":[320,50]}},{"bidder":"ix","params":{"siteId":"248828","size":[728,90]}},{"bidder":"ix","params":{"siteId":"248842","size":[970,90]}},{"bidder":"ix","params":{"siteId":"248840","size":[970,250]}},{"bidder":"sharethrough","params":{"pkey":"FGK0r7LlEw8VHNpfdzFuze4z","size":[320,100]}},{"bidder":"ix","params":{"siteId":"248850","size":[300,50]}},{"bidder":"ix","params":{"siteId":"248852","size":[320,100]}},{"bidder":"rubicon","params":{"accountId":"12144","siteId":"44028","zoneId":"190792"}},{"bidder":"rubicon","params":{"accountId":"12144","siteId":"44030","zoneId":"190796"}},{"bidder":"sharethrough","params":{"pkey":"pFFVWsfBXuDFaAfW9pDrwCjq","size":[300,250]}},{"bidder":"sharethrough","params":{"pkey":"XqqTgdJ9uEf7Apx5rsNELilH","size":[728,90]}},{"bidder":"sharethrough","params":{"pkey":"LLbglWA1c3dJOEvlHbh2cDrw","size":[970,250]}},{"bidder":"sharethrough","params":{"pkey":"1hBDESkP0ha5uxDILl4xqVTf","size":[970,90]}},{"bidder":"msft","params":{"placement_id":11320281}},{"bidder":"msft","params":{"placement_id":11320288}}]' data-targeting='{"position":["in-article-full-width-2"],"kw":["PB SOCIAL MEDIA","HEALTH","INSURANCE","ST. PAUL","health","stcloudlive"]}' data-slot-refresh='true'>
4063    <span class="GoogleDfpAd-placeholder"></span>
4064</div>
4065
4066</div>
4067        </div>
4068    
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4075        </div>
4076    
4077      <p>"We need an honest, fact-based conversation with policymakers and the incoming administration about how all parties can work together to slow down the rising cost of care," said Lucas Nesse, president and CEO of MCHP.</p><p>Jake Schwitzer, executive director of progressive think tank North Star Policy Action, also called for state action, citing federal changes to Medicaid that take effect next year.</p><p>"It's on state leaders to step up," Schwitzer said in a statement. "Minnesota has real tools to bring down costs, from tougher rate review to cracking down on private equity and consolidation in our health care system, and we need the political will to use them."</p><p>The availability of individual health plans, offered through the state's MNsure marketplace, 
4078    
4079      <a class="Link "  href="https://mn.gov/commerce-stat/insurance/rates/2027/2027%20Count%20of%20Carriers%20by%20County.pdf"  target="_blank" data-cms-ai="0"   >varies by county.</a>
4080    
4081       Most customers in the Twin Cities metro, southwest Minnesota and the Duluth area can choose plans from four different insurers, while residents of some counties, such as Olmsted, have only two insurers to consider.</p><p>Minnesota's 
4082    
4083      <a class="Link "  href="https://www.postbulletin.com/health/17-000-fewer-minnesotans-enrolled-in-mnsure-health-insurance-since-last-year" data-cms-ai="0"   >individual plan enrollment declined in 2026</a>
4084    
4085       after a federal premium tax credit expired.</p>
4086    
4087      <div class="Enhancement" >
4088            <div class="Enhancement-item">
4089                
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4092                        
4093                            <div class="ArticleList" data-hide-author="true" data-hide-badge="true" data-hide-byline="true" data-hide-category="true" data-hide-comment-count="true" data-hide-dates="true" data-hide-descriptions="true" data-show-loadmore="true" data-module>
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4095    
4096    <div class="List-header" >
4097        
4098            
4099                <div class="List-header-title">
4100                    <a class="Link with-icon"  href="https://www.postbulletin.com/" data-cms-ai="0"   >Also read <svg class="chevron"><use xlink:href="#chevron"></use></svg></a>
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4119    
4120    <div class="Promo-media"><a class="Link" aria-label="Ahead of 2027 health plan deadline, Boldon continues push for home care nursing fix" href="https://www.stcloudlive.com/health/ahead-of-2027-health-plan-deadline-boldon-continues-push-for-home-care-nursing-fix" data-cms-ai="0" ><picture>
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4137
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4151    <img class="Image" alt="121525-RENTERROUNDTABLE-3.JPG" srcset="https://cdn.forumcomm.com/dims4/default/547344c/2147483647/strip/true/crop/3000x3000+750+0/resize/100x100!/quality/90/?url=https%3A%2F%2Fforum-communications-production-web.s3.us-west-2.amazonaws.com%2Fbrightspot%2Fd0%2F6d%2F806703154fd2b8b153d2c0e060a1%2F121525-renterroundtable-3.JPG 1x,https://cdn.forumcomm.com/dims4/default/f591f24/2147483647/strip/true/crop/3000x3000+750+0/resize/200x200!/quality/90/?url=https%3A%2F%2Fforum-communications-production-web.s3.us-west-2.amazonaws.com%2Fbrightspot%2Fd0%2F6d%2F806703154fd2b8b153d2c0e060a1%2F121525-renterroundtable-3.JPG 2x" width="100" height="100"
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4156</picture>
4157
4158</a></div>
4159
4160  
4161
4162  <div class="PromoImageHeaderDate-content">
4163    
4164    <div class="Promo-title">
4165        <a class="Link "  href="https://www.stcloudlive.com/health/ahead-of-2027-health-plan-deadline-boldon-continues-push-for-home-care-nursing-fix" data-cms-ai="0"   >Ahead of 2027 health plan deadline, Boldon continues push for home care nursing fix</a>
4166    </div>
4167
4168
4169
4170
4171    
4172  <div class="Promo-byline"><div class="Promo-date">
4173        
4174          
4175            <span>Sep 16</span>
4176          
4177        
4178      </div>
4179      <div class="viafoura comment-count" id="comment-count-container">
4180      <i class="fal fa-comment" style="display:none;"></i>
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4197  
4198    
4199    <div class="Promo-media"><a class="Link" aria-label="Hypertension in pregnancy is on the rise. Minnesota experts share risk factors, impact on care" href="https://www.stcloudlive.com/health/hypertension-in-pregnancy-is-on-the-rise-minnesota-experts-share-risk-factors-impact-on-care" data-cms-ai="0" ><picture>
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4230    <img class="Image" alt="Adobe Stock Photo - Blood pressure of a Pregnant Patient " srcset="https://cdn.forumcomm.com/dims4/default/126bb36/2147483647/strip/true/crop/2400x2400+600+0/resize/100x100!/quality/90/?url=https%3A%2F%2Fforum-communications-production-web.s3.us-west-2.amazonaws.com%2Fbrightspot%2F12%2F28%2F51b6a1c74fa9927a1b099d1bf0db%2Fadobestock-blood-pressure-pregnant-patient.jpg 1x,https://cdn.forumcomm.com/dims4/default/9c5d41e/2147483647/strip/true/crop/2400x2400+600+0/resize/200x200!/quality/90/?url=https%3A%2F%2Fforum-communications-production-web.s3.us-west-2.amazonaws.com%2Fbrightspot%2F12%2F28%2F51b6a1c74fa9927a1b099d1bf0db%2Fadobestock-blood-pressure-pregnant-patient.jpg 2x" width="100" height="100"
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4236
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4238
4239  
4240
4241  <div class="PromoImageHeaderDate-content">
4242    
4243    <div class="Promo-title">
4244        <a class="Link "  href="https://www.stcloudlive.com/health/hypertension-in-pregnancy-is-on-the-rise-minnesota-experts-share-risk-factors-impact-on-care" data-cms-ai="0"   >Hypertension in pregnancy is on the rise. Minnesota experts share risk factors, impact on care</a>
4245    </div>
4246
4247
4248
4249
4250    
4251  <div class="Promo-byline"><div class="Promo-date">
4252        
4253          
4254            <span>Aug 29</span>
4255          
4256        
4257      </div>
4258      <div class="viafoura comment-count" id="comment-count-container">
4259      <i class="fal fa-comment" style="display:none;"></i>
4260      <vf-conversations-count vf-container-id="000001a0-43a3-d12e-afe4-77fbc7820000"></vf-conversations-count>
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4275                        <div class="PromoImageHeaderDate">
4276  
4277    
4278    <div class="Promo-media"><a class="Link" aria-label="In Rochester, HHS Secretary Kennedy announces national safety initiative for autistic kids, adults" href="https://www.stcloudlive.com/health/in-rochester-hhs-secretary-kennedy-announces-national-safety-initiative-for-autistic-kids-adults" data-cms-ai="0" ><picture>
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4309    <img class="Image" alt="082126-RFKJRVISIT-0.JPG" srcset="https://cdn.forumcomm.com/dims4/default/1e243b1/2147483647/strip/true/crop/3000x3000+750+0/resize/100x100!/quality/90/?url=https%3A%2F%2Fforum-communications-production-web.s3.us-west-2.amazonaws.com%2Fbrightspot%2F38%2F96%2F6b6e55fe494f933b33a02d937b77%2F082126-rfkjrvisit-0.JPG 1x,https://cdn.forumcomm.com/dims4/default/56d088a/2147483647/strip/true/crop/3000x3000+750+0/resize/200x200!/quality/90/?url=https%3A%2F%2Fforum-communications-production-web.s3.us-west-2.amazonaws.com%2Fbrightspot%2F38%2F96%2F6b6e55fe494f933b33a02d937b77%2F082126-rfkjrvisit-0.JPG 2x" width="100" height="100"
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4315
4316</a></div>
4317
4318  
4319
4320  <div class="PromoImageHeaderDate-content">
4321    
4322    <div class="Promo-title">
4323        <a class="Link "  href="https://www.stcloudlive.com/health/in-rochester-hhs-secretary-kennedy-announces-national-safety-initiative-for-autistic-kids-adults" data-cms-ai="0"   >In Rochester, HHS Secretary Kennedy announces national safety initiative for autistic kids, adults</a>
4324    </div>
4325
4326
4327
4328
4329    
4330  <div class="Promo-byline"><div class="Promo-date">
4331        
4332          
4333            <span>Aug 21</span>
4334          
4335        
4336      </div>
4337      <div class="viafoura comment-count" id="comment-count-container">
4338      <i class="fal fa-comment" style="display:none;"></i>
4339      <vf-conversations-count vf-container-id="000001a0-24c7-debf-aba7-25df5f110001"></vf-conversations-count>
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4462                      <a class="Link "  href="https://www.stcloudlive.com/topics/health" data-cms-ai="0"   >HEALTH</a><a class="Link "  href="https://www.stcloudlive.com/health/insurance" data-cms-ai="0"   >INSURANCE</a><a class="Link "  href="https://www.stcloudlive.com/places/st-paul" data-cms-ai="0"   >ST. PAUL</a>
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4795</a></div>
4796
4797    
4798
4799    <div class="PromoB-content">
4800        
4801    <div class="Promo-category-wrapper" >
4802        
4803        
4804            <div class="Promo-category">
4805                <a class="Link "  href="https://www.stcloudlive.com/news/minnesota" data-cms-ai="0"   >Minnesota</a>
4806            </div>
4807        
4808    </div>
4809
4810
4811
4812        
4813    <div class="Promo-title">
4814        <a class="Link "  href="https://www.stcloudlive.com/news/minnesota/ellison-schutz-clash-over-affordability-fraud-and-trump-in-ag-race" data-cms-ai="0"   >Ellison, Schutz clash over affordability, fraud and Trump in AG race</a>
4815    </div>
4816
4817
4818
4819
4820        
4821
4822
4823        
4824  <div class="Promo-byline"><div class="Promo-date">
4825        
4826          
4827            <span>17h ago </span>
4828          
4829        
4830      </div>
4831      <span class="dot">&nbsp;&#183;&nbsp;</span><div class="Promo-author">
4832        <span>By&nbsp;</span>
4833        <a class="Link "  href="https://www.stcloudlive.com/mary-murphy" data-cms-ai="0"   >Mary Murphy</a>
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4840    </div>
4841</div>
4842
4843                                
4844                            
4845                        
4846                    </div>
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4891
4892
4893</picture>
4894
4895</a></div>
4896
4897    
4898
4899    <div class="PromoB-content">
4900        
4901    <div class="Promo-category-wrapper" >
4902        
4903        
4904            <div class="Promo-category">
4905                <a class="Link "  href="https://www.stcloudlive.com/news/minnesota" data-cms-ai="0"   >Minnesota</a>
4906            </div>
4907        
4908    </div>
4909
4910
4911
4912        
4913    <div class="Promo-title">
4914        <a class="Link "  href="https://www.stcloudlive.com/news/minnesota/vance-boelters-defense-team-asks-to-delay-november-trial" data-cms-ai="0"   >Vance Boelter&#x27;s defense team asks to delay November trial</a>
4915    </div>
4916
4917
4918
4919
4920        
4921
4922
4923        
4924  <div class="Promo-byline"><div class="Promo-date">
4925        
4926          
4927            <span>1d ago</span>
4928          
4929        
4930      </div>
4931      <span class="dot">&nbsp;&#183;&nbsp;</span><div class="Promo-author">
4932        <span>By&nbsp;</span>
4933        <a class="Link "  href="https://www.stcloudlive.com/mary-murphy" data-cms-ai="0"   >Mary Murphy</a>
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5149        break
5150      case 'wadenapj':
5151        jobshqID = 'iG4scCsRXHo3lv3dDdTZ7Jfb9ICmaT'
5152        f2f_link =
5153          'https://forumcomm.friends2follow.com/f2f/widget/html/socialstack/271/0/12/140/1/1/1/9/9/1'
5154        break
5155      case 'wahpetondailynews':
5156        jobshqID = 'opWCMxcrbZ3K24u5UlMLr9Lwbr1XBL'
5157        f2f_link =
5158          'https://forumcomm.friends2follow.com/f2f/widget/html/socialstack/94/0/12/140/1/1/1/9/9/1'
5159        break
5160      case 'watfordcitynd':
5161        jobshqID = '4KV3bVgEAVW3io8y9xFHNmEL5nGDJC'
5162        f2f_link =
5163          'https://forumcomm.friends2follow.com/f2f/widget/html/socialstack/267/0/12/140/1/1/1/9/9/1'
5164        break
5165      case 'wctrib':
5166        jobshqID = 'mFdRLKVTTYhGc62rzz1W9gojIzlCPC'
5167        f2f_link =
5168          'https://forumcomm.friends2follow.com/f2f/widget/html/socialstack/163/0/12/140/1/1/1/9/9/1'
5169        break
5170      case 'willistonherald':
5171        jobshqID = '4KV3bVgEAVW3io8y9xFHNmEL5nGDJC'
5172        f2f_link =
5173          'https://forumcomm.friends2follow.com/f2f/widget/html/socialstack/267/0/12/140/1/1/1/9/9/1'
5174        break
5175      case 'dglobe':
5176        jobshqID = 'Z7Hei95yJ51LYKWrTXl9n5g6nUsgoi'
5177        f2f_link =
5178          'https://forumcomm.friends2follow.com/f2f/widget/html/socialstack/117/0/12/140/1/1/1/9/9/1'
5179        break
5180      default:
5181        jobshqID = 'uyNGDB1xIulfndZJgWN9NMIdJlahvr'
5182        f2f_link =
5183          'https://forumcomm.friends2follow.com/f2f/widget/html/socialstack/94/0/12/140/1/1/1/9/9/1'
5184    }
5185    return { jobshqID, f2f_link }
5186  }
5187
5188  function onlyFriendsToFollow(f2f_link, target) {
5189    // Businesses to Follow 100%x375px
5190    target.innerHTML +=
5191      '<iframe id="f2f" src=' +
5192      f2f_link +
5193      ' width="100%" height="375px" frameborder="0" scrolling="no" loading="lazy"></iframe>'
5194  }
5195
5196  function widgets(f2f_link, jobshqID, target) {
5197    if (Math.random() <= 0.5) {
5198      // Businesses to Follow 100%x375px
5199      target.innerHTML +=
5200        '<iframe id="f2f" src=' +
5201        f2f_link +
5202        ' width="100%" height="375px" frameborder="0" scrolling="no" loading="lazy"></iframe>'
5203    } else {
5204      // Jobs HQ
5205      target.innerHTML += '<div class="ad" id="jobsHQ-hotjobs-list" style="width: 100%; min-height: 290px;"></div>';
5206
5207      let script = document.createElement("script");
5208      script.setAttribute("data-widget-type", "featured_jobs");
5209      script.setAttribute("src", "//widgets.recruitology.com/scripts/" + jobshqID +".js");
5210
5211      document.getElementById("jobsHQ-hotjobs-list").appendChild(script);
5212    }
5213  }
5214
5215  init()
5216</script>
5216
5217<style>
5218    #rotating-widgets iframe {
5219        display: block;
5220        margin: auto;
5221    }
5222</style>
5223
5224
5225        
5226    </div>
5227</div>
5228                        
5229                    
5230                
5231            
5232        
5233    
5234
5235
5236    
5237        
5238            <div class="OneColumnContainer" data-module>
5239    
5240    <div class="OneColumnContainer-container" data-modulewell>
5241        
5242            <div id="rc-widget-5371c7" data-rc-widget data-widget-host="habitat" data-endpoint="//trends.revcontent.com" data-widget-id="279542"></div>
5243
5244<script type="text/javascript" src="https://assets.revcontent.com/master/delivery.js" defer="defer"></script>
5244
5245
5246        
5247    </div>
5248</div>
5249        
5250    
5251
5252</div>
5253
5254
5255          
5256        </main>
5257
5258        
5258<script>
5259                function mediaQueryForBumpOut(windowSize) {
5260                  if (windowSize.matches) {
5261                    const enhancementItems = document.querySelectorAll('.Enhancement')
5262
5263                    enhancementItems.forEach((enhancementItem) => {
5264                      if ((enhancementItem.hasAttribute('data-align-left')) || (enhancementItem.hasAttribute
5265                      ('data-align-portrait-left'))) {
5266                        enhancementItem.style.marginLeft = "-16%"
5267                      }
5268                      if ((enhancementItem.hasAttribute('data-align-right')) || (enhancementItem.hasAttribute
5269                      ('data-align-portrait-right'))) {
5270                        enhancementItem.style.marginRight = "-16%"
5271                      }
5272                    })
5273                  } else {
5274                    const enhancementStyles = document.querySelectorAll(".Enhancement")
5275                    enhancementStyles.forEach((enhancementStyle) => {
5276                      enhancementStyle.removeAttribute("style")
5277                    })
5278                  }
5279                }
5280
5281                const windowSize = window.matchMedia("(min-width: 1024px)")
5282                mediaQueryForBumpOut(windowSize) // Call listener function at run time
5283                windowSize.addListener(mediaQueryForBumpOut) // Attach listener function on state changes
5284            </script>
5284
5285      </div>
5286    </div>
5287    </div>
5288    <footer class="Page-footer">
5289    <div class="Page-footer-container">
5290        
5291            
5292                <div class="Page-footer-navigation">
5293                    <nav class="FooterNavigation">
5294    
5295        <ul class="FooterNavigation-items" data-column-count="4">
5296            
5297                <li class="FooterNavigation-items-item">
5298                    <div class="FooterNavigationItem" >
5299    
5300        <div class="FooterNavigationItem-text">Account</div>
5301    
5302    
5303        <ul class="FooterNavigationItem-items">
5304            
5305                <li class="FooterNavigationItem-items-item"><a class="NavigationLink" href="/account" target="_self" data-cms-ai="0">Manage My Account</a>
5306</li>
5307            
5308                <li class="FooterNavigationItem-items-item"><a class="NavigationLink" href="https://www.stcloudlive.com/privacy" data-cms-ai="0">Privacy Policy</a>
5309</li>
5310            
5311                <li class="FooterNavigationItem-items-item"><div id="us-nat-optout"></div>
5312</li>
5313            
5314                <li class="FooterNavigationItem-items-item"><a class="NavigationLink" href="https://www.stcloudlive.com/terms" data-cms-ai="0">Terms and Conditions</a>
5315</li>
5316            
5317                <li class="FooterNavigationItem-items-item"><a class="NavigationLink" href="https://www.stcloudlive.com/policies-and-standards" data-cms-ai="0">Policies and Standards</a>
5318</li>
5319            
5320                <li class="FooterNavigationItem-items-item"><a class="NavigationLink" href="https://www.stcloudlive.com/subscriber-benefits" data-cms-ai="0">Subscriber Benefits</a>
5321</li>
5322            
5323        </ul>
5324    
5325</div>
5326
5327                </li>
5328            
5329                <li class="FooterNavigation-items-item">
5330                    <div class="FooterNavigationItem" >
5331    
5332        <div class="FooterNavigationItem-text">News</div>
5333    
5334    
5335        <ul class="FooterNavigationItem-items">
5336            
5337                <li class="FooterNavigationItem-items-item"><a class="NavigationLink" href="https://www.stcloudlive.com/newsletter" data-cms-ai="0">Email Newsletters</a>
5338</li>
5339            
5340                <li class="FooterNavigationItem-items-item"><a class="NavigationLink" href="https://www.stcloudlive.com/news-network" data-cms-ai="0">Our News Network</a>
5341</li>
5342            
5343                <li class="FooterNavigationItem-items-item"><a class="NavigationLink" href="javascript:clickEpaper()" target="_self" data-cms-ai="0">Weekly e-paper</a>
5344</li>
5345            
5346        </ul>
5347    
5348</div>
5349
5350                </li>
5351            
5352                <li class="FooterNavigation-items-item">
5353                    <div class="FooterNavigationItem" >
5354    
5355        <div class="FooterNavigationItem-text">Advertising</div>
5356    
5357    
5358        <ul class="FooterNavigationItem-items">
5359            
5360                <li class="FooterNavigationItem-items-item"><a class="NavigationLink" href="https://advertising.forumcomm.com?utm_source=newswebsite&amp;utm_medium=navigation&amp;utm_campaign=footer&amp;utm_term=navigation&amp;utm_content=advertisewithus" target="_blank" data-cms-ai="0">Advertise With Us</a>
5361</li>
5362            
5363                <li class="FooterNavigationItem-items-item"><a class="NavigationLink" href="https://placead.forumcomm.com/#/account/support" target="_blank" data-cms-ai="0">
5363Pay My Advertising Bill</a>
5364</li>
5365            
5366                <li class="FooterNavigationItem-items-item"><a class="NavigationLink" href="https://jobshq.com" target="_blank" data-cms-ai="0">JobsHQ</a>
5367</li>
5368            
5369                <li class="FooterNavigationItem-items-item"><a class="NavigationLink" href="https://www.stcloudlive.com/public-notices" data-cms-ai="0">Public Notices</a>
5370</li>
5371            
5372                <li class="FooterNavigationItem-items-item"><a class="NavigationLink" href="https://classifieds.forumcomm.com" target="_blank" data-cms-ai="0">Classifieds</a>
5373</li>
5374            
5375        </ul>
5376    
5377</div>
5378
5379                </li>
5380            
5381                <li class="FooterNavigation-items-item">
5382                    <div class="FooterNavigationItem" >
5383    
5384        <div class="FooterNavigationItem-text">Contact</div>
5385    
5386    
5387        <ul class="FooterNavigationItem-items">
5388            
5389                <li class="FooterNavigationItem-items-item"><a class="NavigationLink" href="https://www.stcloudlive.com/contact-us" data-cms-ai="0">Contact Us</a>
5390</li>
5391            
5392                <li class="FooterNavigationItem-items-item"><a class="NavigationLink" href="https://www.stcloudlive.com/help-center" data-cms-ai="0">Get Help</a>
5393</li>
5394            
5395                <li class="FooterNavigationItem-items-item"><a class="NavigationLink" href="https://www.forumcomm.com/careers/" target="_blank" data-cms-ai="0">Careers</a>
5396</li>
5397            
5398        </ul>
5399    
5400</div>
5401
5402                </li>
5403            
5404        </ul>
5405    
5406</nav>
5407
5408                </div>
5409            
5410            
5411                <div class="Page-footer-bottom">
5412                    
5413                        <div class="SocialBar">
5414    
5415        <ul class="SocialBar-items">
5416            
5417                <li class="SocialBar-items-item"> <a class="SocialLink" rel="noreferrer" href="https://twitter.com/StCloudLive" target="_blank" data-social-service="Twitter" data-cms-ai="0">
5418     <svg>
5419         <use href="#mono-icon-Twitter"></use>
5420     </svg>
5421     <span class="sr-only">Twitter</span>
5422 </a>
5423</li>
5424            
5425                <li class="SocialBar-items-item"> <a class="SocialLink" rel="noreferrer" href="https://www.instagram.com/stcloudlive/" target="_blank" data-social-service="Instagram" data-cms-ai="0">
5426     <svg>
5427         <use href="#mono-icon-Instagram"></use>
5428     </svg>
5429     <span class="sr-only">Instagram</span>
5430 </a>
5431</li>
5432            
5433                <li class="SocialBar-items-item"> <a class="SocialLink" rel="noreferrer" href="https://www.facebook.com/stcloudlive" target="_blank" data-social-service="Facebook" data-cms-ai="0">
5434     <svg>
5435         <use href="#mono-icon-Facebook"></use>
5436     </svg>
5437     <span class="sr-only">Facebook</span>
5438 </a>
5439</li>
5440            
5441        </ul>
5442    
5443</div>
5444
5445                    
5446                    
5447                </div>
5448            
5449            
5450            
5451                <div class="Page-footer-disclaimer">© 2026 St. Cloud Live and <a class="Link "  href="https://www.forumcomm.com"  target="_blank" data-cms-ai="0"   >Forum Communications Company</a> | 113 5th Av. S.  St. Cloud, MN 56301  |  ISSN 2997-9633</div>
5452            
5453        
5454    </div>
5455</footer>
5456
5457
5458    
5459        
5459<script type="text/javascript" async src="//cdn.viafoura.net/entry/index.js"></script>
5459
5460    
5461
5462
5463<noscript>
5464    <style>
5465    div, footer {
5466      display: none !important;
5467    }
5468    .noscriptMessage {
5469      display: flex;
5470      justify-content: center;
5471      margin: 100px 20px;
5472    }
5473    </style>
5474    <span class="noscriptMessage" data-nosnippet>We see that you have javascript disabled. Please enable javascript and refresh the page to continue reading local news. If you feel you have received this message in error, please contact the customer support team at 1-833-248-7801.</span>
5475</noscript>
5476
5477    
5477<script>
5478    const articleButtons = document.querySelectorAll('.Share-work-type-button, .work-type-button-icon')
5479    articleButtons.forEach(ab => ab.addEventListener('click', e => {
5480        let abPosition = ab.getBoundingClientRect()
5481        let abWidth = ab.offsetWidth
5482        let modalPosition = parseInt(abPosition.left.toFixed()) + parseInt(ab.offsetWidth)
5483
5484        let abModalId = e.target.className.includes('work-type-button-icon') ? e.target.parentNode.id : e.target.getAttribute('id')
5485
5486        document.querySelector('#' + abModalId + '-modal').style.display = 'block'
5487        if (window.screen.width > 768) {
5488          document.querySelector('#' + abModalId + '-modal').style.left = modalPosition + 'px'
5489        }
5490    }))
5491
5492    const modalButtons = document.querySelectorAll('.close-modal')
5493    modalButtons.forEach(mb => mb.addEventListener('click', e => {
5494        let mbModalId = e.target.getAttribute('id').replace('-close','')
5495        document.querySelector('#' + mbModalId + '-modal').style.display = 'none'
5496    }))
5497
5498    window.addEventListener('click', e => {
5499        if (!e.composedPath().some(obj => obj.className && obj.className.includes('Share-work-type-tooltip'))) {
5500            const modalWindows = document.querySelectorAll('.modal')
5501            modalWindows.forEach(obj => {
5502              if (!obj.classList.contains("hard-paywall")) {
5503                obj.style.display = 'none'
5504              }
5505            })
5506        }
5507    }, true)
5508</script>
5508
5509    
5510
5511    
5511<script>
5512        ensureUserIsSet().then(() => {
5513            if (user.status === "registered" || user.status === "subscribed") {
5514                let userEmail = user.email;
5515
5516                Sailthru.integration("customEvent", {
5517                    "name": "read_article",
5518                    "email": userEmail.toLowerCase(),
5519                    "vars": {
5520                        "author": "Dené K. Dryden",
5521                        "section": data_layer_obj.FCC_SectionName,
5522                        "url": window.location.href
5523                    }
5524                });
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5526        });
5527    </script>
5527
5528
5529
5530    <span data-bsp-pv="4f8e492c-6f2f-390e-bc61-f176d3a37ab9"></span><span data-bsp-pv="000001a0-f84c-debf-a7e5-ffcd0c3a0001"></span>
5530<script data-bsp-site="00000185-96ef-de9a-a5bf-96ff4e460000" data-bsp-contentid="000001a0-f84c-debf-a7e5-ffcd0c3a0001"></script>
5530<script data-bsp-site="00000185-96ef-de9a-a5bf-96ff4e460000" data-bsp-contentid="000001a0-f84c-debf-a7e5-ffcd0c3a0001" src="https://cdn.forumcomm.com/resource/0000017b-5a43-de16-ab7f-ffcfc2a20000/_resource/analytics/bsp-analytics.min.686c87a3ca6667675841641b91fc7fe6.gz.js"></script>
5530</body>
5531    </html>
5532  
5533

Line numbers count LF bytes from the start of the resource, as the search results do. Vendor segments are library code the classifier recognised; they are stored but not indexed. Bytes are shown as Latin1 characters, one per byte.