Medicare Advantage

Minnesota Medicare Advantage Plans for Chronic Conditions in 2027: 5 C-SNPs

ST. PAUL — Minnesotans living with certain long-term health conditions will have five Chronic Condition Special Needs Plans (C-SNPs) to consider for 2027, according to the Centers for Medicare & Medicaid Services (CMS) Medicare Advantage Landscape Source Files for the coming plan year. These plans are a subset of the 66 Medicare Advantage plans available somewhere in the state, and each is offered county by county — meaning the list of five is a statewide count, not a guarantee any particular plan reaches a given address.

Chronic-condition plansMinnesota

What is a C-SNP and who qualifies in Minnesota for 2027?

A Chronic Condition Special Needs Plan is a type of Medicare Advantage plan limited to people living with a specific qualifying chronic condition that a provider verifies. In Minnesota for 2027, enrollment in any of the five C-SNPs listed on the CMS Landscape depends on meeting that medical eligibility rule.

CMS defines the categories of qualifying conditions (examples include diabetes, chronic heart failure, cardiovascular disorders, and chronic lung disorders, among others), and each individual plan sets which condition or conditions it serves. A provider's attestation confirming the diagnosis is part of the enrollment process. Because the plans are built around a condition, their care coordination, provider arrangements, and drug coverage are designed with that population in mind — details that live in each plan's Evidence of Coverage rather than in a summary like this one.

How many C-SNPs are offered in Minnesota for 2027, and which carriers offer them?

Minnesota has 5 C-SNPs for the 2027 plan year, out of 66 Medicare Advantage plans available somewhere in the state. For comparison within the Special Needs Plan category, the state also has 8 Dual Eligible Special Needs Plans (D-SNPs) and 0 Institutional Special Needs Plans (I-SNPs) in 2027.

Two carriers offer C-SNPs in Minnesota for 2027:

• Aetna (CVS Health) — 2 plans
• UnitedHealthcare — 3 plans

The full plan-by-plan list, including the counties each plan reaches, is rendered as a table elsewhere on this page. Nothing in this article should be read as ranking the carriers or singling out a plan; the counts come directly from the CMS Landscape file.

Which chronic conditions are named in Minnesota C-SNP plan names for 2027?

Among the five Minnesota C-SNPs for 2027, the plan names themselves do not spell out a specific chronic condition. The Aetna (CVS Health) plans are listed as Allina Health Aetna Medicare Chronic (PPO C-SNP) and Allina Health Aetna Medicare Value (PPO C-SNP). The UnitedHealthcare plans are listed as UHC Complete Care MN-7 (PPO C-SNP), UHC Complete Care Support FG-5 (PPO C-SNP), and UHC Complete Care Support MN-8 (PPO C-SNP).

Because none of these names identifies a condition on its face, the specific qualifying diagnosis for each plan has to be confirmed with the carrier or through the Medicare Plan Finder before enrolling. All five are PPO C-SNPs with drug coverage, per the CMS Landscape file.

Is there a Special Enrollment Period for people with a qualifying chronic condition in Minnesota?

Yes. People who have a qualifying chronic condition generally have a Special Enrollment Period (SEP) that lets them enroll in a C-SNP outside the Annual Enrollment Period, once the diagnosis is verified by a provider. In Minnesota for 2027, that means a resident newly diagnosed with a qualifying condition does not have to wait until the next October–December window to join a C-SNP that serves their county.

The SEP for C-SNP enrollment is one-time per condition qualification; once enrolled, standard rules apply for future changes. For anyone not using an SEP, the Annual Enrollment Period runs October 15 through December 7, 2026, and the choice made during that window takes effect January 1, 2027.

How do I check whether a Minnesota C-SNP is offered in my county for 2027?

The quickest way to check whether any of the five Minnesota C-SNPs is offered in your county for 2027 is to enter your ZIP code into the Medicare Plan Finder at medicare.gov, or to call 1-800-MEDICARE (TTY 1-877-486-2048), which is open 24 hours a day, 7 days a week.

County reach varies among the five plans on the CMS Landscape: the Aetna (CVS Health) plans are each listed in 8 counties, UHC Complete Care MN-7 (PPO C-SNP) and UHC Complete Care Support MN-8 (PPO C-SNP) are each listed in 10 counties, and UHC Complete Care Support FG-5 (PPO C-SNP) is listed in 4 counties. Because Minnesota has 87 counties, no single C-SNP covers the whole state, and a plan on the statewide list may not appear in your county at all. The county-by-county detail is in the table on this page.

Where can Minnesotans get free help comparing 2027 Medicare plans?

Free help with 2027 Medicare choices is available from Medicare directly. The Medicare Plan Finder at medicare.gov lets you enter your ZIP code, prescriptions, and preferred providers to see which plans — including C-SNPs — are offered in your county, and 1-800-MEDICARE (TTY 1-877-486-2048) provides the same information by phone, 24 hours a day, 7 days a week.

Specific plan details — premiums, deductibles, copays, provider networks, drug formularies, and star ratings — come from the Medicare Plan Finder or the plan's own Evidence of Coverage and provider and pharmacy directories. Those are the authoritative sources for anything beyond the plan counts summarized here.