Medicare Advantage plans in Minnesota for 2027
Minnesota still has Medicare cost plans, a model that lets you go out of network on Original Medicare, and it lost 16 open plans for 2027.
Anoka, Minnesota: plans open to everyone on Parts A and B
20 plans
6 with a $0 premium and drug coverage · out-of-pocket limits $3,900 to $9,850 · best rating 4.5★ · 18 plan IDs of 2026 not renewed here
20 plans shown · monthly premium = Part C + Part D, before your Part B premium · stars: 2027 ratings published October 8, 2026
| Plan | Premium | Drug deductible | Max out of pocket | Stars |
|---|---|---|---|---|
| Medica Advantage Salute (PPO)Medica · PPO · H8889-009-0 | $0 | no drugs | $4,450 | 3.5★ |
| Allina Health Aetna Medicare Eagle (PPO)Allina Health Aetna Medicare · PPO · H3219-005-0 | $0 | no drugs | $5,500 | 3.5★ |
| AARP Medicare Advantage Patriot No Rx FG-MA01 (PPO)UnitedHealthcare · PPO · H2001-124-0 | $0 | no drugs | $5,900 | 4.5★ |
| Allina Health Aetna Medicare Signature (PPO)Allina Health Aetna Medicare · PPO · H3219-001-0 | $0 | $400 | $6,350 | 3.5★ |
| Allina Health Aetna Medicare Signature Fit (PPO)Allina Health Aetna Medicare · PPO · H3219-008-0 | $0 | $400 | $6,750 | 3.5★ |
| Blue Cross Medicare Advantage Freedom Blue (PPO)Blue Cross and Blue Shield of Minnesota · PPO · H5959-018-0 | $0 | no drugs | $6,900 | 4.0★ |
| AARP Medicare Advantage from UHC MN-0001 (PPO)UnitedHealthcare · PPO · H2001-116-0 | $0 | $685 | $7,150 | 4.5★ |
| Blue Cross Medicare Advantage Essential (PPO)Blue Cross and Blue Shield of Minnesota · PPO · H5959-019-0 | $0 | $700 | $7,150 | 4.0★ |
| Medica Advantage Value (PPO)Medica · PPO · H8889-019-1 | $0 | $700 | $7,150 | 4.0★ |
| HealthPartners Journey Smart (PPO)HealthPartners · PPO · H4882-015-0 | $0 | $700 | $9,850 | 4.5★ |
| HealthPartners Journey Pace (PPO)HealthPartners · PPO · H4882-016-0 | $20 | $700 | $7,150 | 4.5★ |
| AARP Medicare Advantage from UHC FG-0001 (PPO)UnitedHealthcare · PPO · H2001-118-0 · was $41.50 in 2026 | $24.60 | $700 | $7,150 | 4.5★ |
| AARP Medicare Advantage from UHC MN-0002 (PPO)UnitedHealthcare · PPO · H2001-117-0 · was $54 in 2026 | $59 | $685 | $6,300 | 4.5★ |
| Allina Health Aetna Medicare Enhanced (PPO)Allina Health Aetna Medicare · PPO · H3219-002-0 · was $47 in 2026 | $61 | $300 | $5,000 | 3.5★ |
| Allina Health Aetna Medicare Premier (PPO)Allina Health Aetna Medicare · PPO · H3219-003-0 · was $87 in 2026 | $97 | $300 | $4,450 | 3.5★ |
| Blue Cross Medicare Advantage Select (PPO)Blue Cross and Blue Shield of Minnesota · PPO · H5959-020-0 | $109 | $700 | $5,900 | 4.0★ |
| Medica Advantage Select (PPO)Medica · PPO · H8889-020-1 | $133 | $420 | $5,800 | 4.0★ |
| Allina Health Aetna Medicare Premier Extra (PPO)Allina Health Aetna Medicare · PPO · H3219-004-0 · was $154 in 2026 | $169 | $300 | $3,900 | 3.5★ |
| Blue Cross Medicare Advantage Premier (PPO)Blue Cross and Blue Shield of Minnesota · PPO · H5959-021-0 | $189 | $500 | $4,900 | 4.0★ |
| Medica Advantage Preferred (PPO)Medica · PPO · H8889-021-1 | $218 | $280 | $4,450 | 4.0★ |
Compiled by Radif Partners from the CMS landscape file of September 2026 · How the data is read
Minnesota has 53 Medicare plans open to anyone with Parts A and B for 2027, against 69 in 2026, one of the largest proportional drops in the country. The list is unlike any other state's: 13 of those plans are cost plans, an older model in which Original Medicare pays for care you get outside the plan's network. PPOs dominate the Advantage side with 35 plans, against 5 HMOs. Free plans are rare: 9 of the 35 drug-covering plans charge a $0 premium. The lowest cap, $3,000, belongs to a cost plan with a premium of $252. The Twin Cities counties list about 20 plans each, while 3 counties, Crow Wing, Lake of the Woods, Wadena, have no open plan at all in 2027. Medica and Aware Integrated, the parent of Blue Cross and Blue Shield of Minnesota, file the most plans. 9 stand-alone drug plans are sold, from $5.30 a month.
Cost plans: the Minnesota exception
A cost plan, contracted under section 1876 of the Social Security Act, has a network like an HMO, but if you see a provider outside it, Original Medicare pays as it normally would and you owe Original Medicare's cost sharing. Many cost plans do not include drugs: you add a stand-alone Part D plan. They tend to have higher premiums than Advantage plans and, in Minnesota, some of the lowest caps for in-network care: Platinum Blue Complete Plan (Cost) caps spending at $3,000 for $252 a month. They suit people who want a network for routine care and the freedom to use any Medicare provider, for example during winters in the South. When a cost plan does not renew in your area, its members get a special period from December 8 to the last day of February to choose an Advantage plan (42 CFR 422.62(b)(6)).
What an out-of-pocket cap is worth in a bad year
The cap saves
$7,522
| Original Medicare alone (20%, 1 admission) | $14,022 |
| With the plan’s cap | $6,500 |
Twin Cities, Iron Range and the empty counties
Anoka (20), Carver (20), Dakota (20), Ramsey (20) lead the state; Hennepin County lists 18, 5 of them free with drugs. In the northwest, Mahnomen (2), Polk (2), Red Lake (2) have only a couple of plans each, and Crow Wing, Lake of the Woods, Wadena have none. People there keep Original Medicare, a Part D plan and often a Medigap policy.
Who files the plans
Medica Holding Company (18), Aware Integrated, Inc. (13), Allina Health and Aetna Insurance Holding Company (6), University of Wisconsin Hospitals and Clincs Autho (5), UnitedHealth Group, Inc. (5), HealthPartners, Inc. (4) file the most plans. The best-rated is HealthPartners Journey Smart (PPO), at $0 with a $9,850 cap. If your 2026 plan is gone, read the guide to plans leaving: a plan ending in your area opens a special period and guaranteed Medigap rights. Neighbors: Wisconsin, Iowa, North Dakota.
Every county of Minnesota, 2027
| County | Plans open to all | $0 with drugs | Lowest max out of pocket | Rated 4★ or more | vs 2026 |
|---|---|---|---|---|---|
| Aitkin | 13 | 0 | $3,000 | 0 | -6 |
| Anoka | 20 | 6 | $3,900 | 13 | -10 |
| Becker | 12 | 0 | $4,450 | 6 | -3 |
| Beltrami | 8 | 0 | $4,450 | 5 | -6 |
| Benton | 8 | 1 | $4,450 | 7 | -8 |
| Big Stone | 8 | 0 | $4,450 | 5 | -4 |
| Blue Earth | 8 | 1 | $3,900 | 2 | -9 |
| Brown | 3 | 0 | $4,450 | 2 | -11 |
| Carlton | 13 | 0 | $3,000 | 0 | -4 |
| Carver | 20 | 6 | $3,900 | 13 | -10 |
| Cass | 6 | 0 | $4,450 | 5 | -7 |
| Chippewa | 4 | 0 | $4,450 | 0 | -5 |
| Chisago | 18 | 4 | $3,900 | 12 | -5 |
| Clay | 12 | 0 | $4,450 | 6 | -2 |
| Clearwater | 5 | 0 | $6,900 | 3 | -5 |
| Cook | 13 | 0 | $3,000 | 0 | -5 |
| Cottonwood | 3 | 0 | $4,450 | 2 | -5 |
| Crow Wing | 0 | 0 | none | 0 | -9 |
| Dakota | 20 | 6 | $3,900 | 13 | -10 |
| Dodge | 3 | 0 | $4,450 | 2 | -5 |
| Douglas | 6 | 0 | $4,450 | 5 | -3 |
| Faribault | 6 | 0 | $4,450 | 5 | -4 |
| Fillmore | 8 | 1 | $4,450 | 7 | -9 |
| Freeborn | 3 | 0 | $4,450 | 2 | -5 |
| Goodhue | 13 | 0 | $3,000 | 0 | -3 |
| Grant | 3 | 0 | $6,900 | 3 | -5 |
| Hennepin | 18 | 5 | $3,900 | 11 | -7 |
| Houston | 11 | 1 | $4,450 | 10 | -6 |
| Hubbard | 5 | 0 | $6,900 | 3 | -10 |
| Isanti | 18 | 4 | $3,900 | 12 | -10 |
| Itasca | 16 | 0 | $3,000 | 3 | -2 |
| Jackson | 3 | 0 | $4,450 | 2 | -5 |
| Kanabec | 18 | 1 | $3,000 | 0 | -4 |
| Kandiyohi | 6 | 0 | $4,450 | 5 | -7 |
| Kittson | 3 | 0 | $6,900 | 3 | -9 |
| Koochiching | 13 | 0 | $3,000 | 0 | -5 |
| Lac qui Parle | 5 | 0 | $4,450 | 2 | -5 |
| Lake | 13 | 0 | $3,000 | 0 | -10 |
| Lake of the Woods | 0 | 0 | none | 0 | -12 |
| Le Sueur | 18 | 1 | $3,000 | 0 | -4 |
| Lincoln | 3 | 0 | $4,450 | 2 | -5 |
| Lyon | 3 | 0 | $4,450 | 2 | -5 |
| Mahnomen | 2 | 0 | $7,150 | 0 | -8 |
| Marshall | 5 | 0 | $6,900 | 3 | -9 |
| Martin | 3 | 0 | $4,450 | 2 | -7 |
| McLeod | 13 | 0 | $3,000 | 0 | -10 |
| Meeker | 13 | 0 | $3,000 | 0 | -10 |
| Mille Lacs | 13 | 0 | $3,000 | 0 | -9 |
| Morrison | 5 | 1 | $6,900 | 5 | -15 |
| Mower | 3 | 0 | $4,450 | 2 | -7 |
| Murray | 3 | 0 | $4,450 | 2 | -5 |
| Nicollet | 6 | 0 | $4,450 | 5 | -7 |
| Nobles | 5 | 0 | $4,450 | 2 | -5 |
| Norman | 6 | 0 | $4,450 | 0 | -4 |
| Olmsted | 3 | 0 | $4,450 | 2 | -4 |
| Otter Tail | 9 | 0 | $4,450 | 3 | -2 |
| Pennington | 5 | 0 | $4,450 | 2 | -5 |
| Pine | 13 | 0 | $3,000 | 0 | -3 |
| Pipestone | 15 | 0 | $3,000 | 0 | -1 |
| Polk | 2 | 0 | $7,150 | 0 | -8 |
| Pope | 3 | 0 | $4,450 | 2 | -10 |
| Ramsey | 20 | 6 | $3,900 | 13 | -10 |
| Red Lake | 2 | 0 | $7,150 | 0 | -8 |
| Redwood | 3 | 0 | $4,450 | 2 | -9 |
| Renville | 3 | 0 | $6,900 | 3 | -15 |
| Rice | 13 | 0 | $3,000 | 0 | -1 |
| Rock | 15 | 0 | $3,000 | 0 | -1 |
| Roseau | 3 | 0 | $6,900 | 3 | -9 |
| Scott | 20 | 6 | $3,900 | 13 | -10 |
| Sherburne | 9 | 2 | $4,450 | 8 | -4 |
| Sibley | 13 | 0 | $3,000 | 0 | -8 |
| St. Louis | 16 | 0 | $3,000 | 3 | -2 |
| Stearns | 8 | 1 | $4,450 | 7 | -5 |
| Steele | 8 | 1 | $3,900 | 2 | -9 |
| Stevens | 13 | 0 | $3,000 | 0 | -1 |
| Swift | 7 | 0 | $4,450 | 3 | -6 |
| Todd | 5 | 1 | $6,900 | 5 | -8 |
| Traverse | 15 | 0 | $3,000 | 0 | -5 |
| Wabasha | 8 | 1 | $4,450 | 7 | -4 |
| Wadena | 0 | 0 | none | 0 | -9 |
| Waseca | 8 | 1 | $3,900 | 2 | -7 |
| Washington | 20 | 6 | $3,900 | 13 | -10 |
| Watonwan | 3 | 0 | $4,450 | 2 | -2 |
| Wilkin | 9 | 0 | $4,450 | 3 | -1 |
| Winona | 6 | 0 | $4,450 | 5 | -6 |
| Wright | 20 | 5 | $3,900 | 13 | -4 |
| Yellow Medicine | 13 | 0 | $3,000 | 0 | -1 |
Stand-alone Part D plans in Minnesota
| Plan | Monthly premium | With full Extra Help | Deductible | 2026 premium | 2027 Part D stars |
|---|---|---|---|---|---|
| Wellcare Value Script (PDP)Wellcare · S4802-158-0 | $5.30 | $5.30 | $700 | $9.60 | 3.0 |
| AARP Medicare Rx Saver from UHC (PDP)UnitedHealthcare · S5921-370-0 · Extra Help benchmark | $10.30 | $0 | $700 | $5.30 | 3.0 |
| Wellcare Classic (PDP)Wellcare · S4802-089-0 · Extra Help benchmark | $16.30 | $0 | $700 | $12.70 | 3.0 |
| Humana Basic Rx Plan (PDP)Humana · S5884-145-0 · Extra Help benchmark | $18.30 | $0 | $700 | $4.70 | 4.5 |
| Humana Value Rx Plan (PDP)Humana · S5884-204-0 | $33.30 | $18.50 | $687 | $20.80 | 4.5 |
| HealthSpring Assurance Rx (PDP)Blue Cross and Blue Shield of IL, NM, OK, TX · S5715-043-0 | $117.10 | $92.50 | $700 | new | 2.5 |
| Humana Premier Rx Plan (PDP)Humana · S5884-171-0 | $123 | $98.40 | $350 | $103.70 | 4.5 |
| MedicareBlue Rx Standard (PDP)MedicareBlue Rx · S5743-001-0 | $179.10 | $154.50 | $700 | $101 | 3.0 |
| AARP Medicare Rx Preferred from UHC (PDP)UnitedHealthcare · S5921-406-0 | $222.90 | $198.30 | $300 | $140.20 | 3.0 |