Medicare Advantage

Compare 66 Minnesota Medicare Advantage Plans for 2027 From 11 Carriers

ST. PAUL — Medicare's fall shopping window is open, and Minnesotans have a defined menu to work through before the January 1 switchover. According to the federal Medicare Advantage Landscape Source Files for 2027, Minnesota has 66 Medicare Advantage plans available statewide from 11 carriers. Not every plan is offered in every county, so the practical question for each household is which of those plans show up on the Medicare Plan Finder when you type in your own ZIP code.

How many Medicare Advantage plans are offered in Minnesota for 2027?

Minnesota has 66 Medicare Advantage plans for 2027, offered by 11 carriers, per the CMS MA Landscape Source File. Of those 66 plans, 54 include Part D prescription drug coverage, while the remainder do not — a distinction that matters if you take regular medications and want drug coverage bundled into the same plan.

Year over year, 19 plans are new for 2027 and 35 plans available in 2026 are not returning for 2027. If your current plan is in that non-returning group, you will receive a non-renewal notice from the carrier and will need to pick a new plan or return to Original Medicare. The deadline for making an Annual Enrollment Period change is December 7, 2026, with coverage starting January 1, 2027.

What types of Medicare Advantage plans are available in Minnesota for 2027, including Special Needs Plans?

Minnesota's 66 plans for 2027 break down by type as 13 HMO plans, 40 PPO plans, and 13 Cost plans. PPOs are the largest category this year; HMOs and Cost plans are roughly equal in count. The plan type shapes how referrals, out-of-network care, and provider choice work, so it is worth confirming the type of any plan you consider.

Minnesota also has Special Needs Plans for 2027: 8 Dual-Eligible SNPs (D-SNPs) for people with both Medicare and Medicaid, 5 Chronic Condition SNPs (C-SNPs) for people with qualifying conditions, and 0 Institutional SNPs (I-SNPs). SNPs have eligibility rules; the Medicare Plan Finder and the plan itself can confirm whether you qualify.

Which carriers offer Medicare Advantage plans in Minnesota for 2027?

Eleven carriers are listed in the 2027 Minnesota landscape. In alphabetical order, they are Aetna (CVS Health), Align powered by Sanford Health Plan, Blue Cross and Blue Shield of Minnesota, Blue Plus, HealthPartners, Itasca Medical Care/IMCare Classic, Medica, PrimeWest Health, Quartz Medicare Advantage (HMO), South Country Health Alliance, and UnitedHealthcare. The full carrier-by-carrier plan counts, plan types, and SNP tallies are rendered in the tables on this page.

Some carriers — such as Itasca Medical Care/IMCare Classic, PrimeWest Health, and South Country Health Alliance — are county-based or regional, so their plans only appear for residents of specific counties. Larger statewide carriers may still vary which plans they file in which counties. The Medicare Plan Finder will show you only the plans actually offered where you live.

How do I compare the Medicare Advantage plans in my own Minnesota county for 2027?

Start with your own information, not a list, and work through it step by step so the comparison matches your life.

1. Doctors and hospitals: Write down the clinics, specialists, and hospitals you want to keep using. For each plan you consider, confirm they are in-network by checking the plan's current provider directory and calling the clinic to confirm they will accept that specific plan in 2027. 2. Prescriptions: List every medication, dose, and how often you take it. Each plan with Part D has its own formulary; the drug list and tier placement determine what you pay. 3. Pharmacies: Note your preferred pharmacy, including any mail-order needs. Plans distinguish between preferred and standard pharmacies. 4. Annual Notice of Change (ANOC): If you already have a Medicare Advantage or Part D plan, the ANOC your carrier mailed in September spells out what is changing for 2027. Read it alongside your current Evidence of Coverage. 5. Medicare Plan Finder: Go to medicare.gov, enter your ZIP code and drug list, and the tool will show the plans available in your county with their 2027 details. 6. Plan documents: Before enrolling, review the plan's Summary of Benefits and Evidence of Coverage for the full rules.

Because availability is county by county, a plan listed in the statewide count of 66 may or may not appear in your county's results — and some county-based carriers only appear for residents in their service area.

What should Minnesotans do before December 7, 2026?

Make sure any plan change for 2027 is submitted by December 7, 2026, which is the end of the Annual Enrollment Period; coverage from a choice made in that window begins January 1, 2027. If you do nothing and your current plan is renewing, you will generally stay in it with its 2027 terms. If your plan is among the 35 not returning for 2027, you will need to act to avoid a gap in Medicare Advantage or Part D coverage.

A simple checklist: locate your ANOC, update your drug list, confirm your providers and pharmacy, run the Medicare Plan Finder for your ZIP code, and save or print the confirmation of any enrollment choice you make.

Where can Minnesotans get free help comparing 2027 Medicare Advantage plans?

Free, unbiased help is available directly from Medicare. You can call 1-800-MEDICARE (1-800-633-4227), which is staffed 24 hours a day, 7 days a week, or visit medicare.gov to use the Medicare Plan Finder and read plan documents. Both are run by the federal Centers for Medicare & Medicaid Services and do not sell plans.

If you prefer to talk things through with a licensed agent or a plan representative, you can, but the Medicare Plan Finder lets you see every plan in your county side by side without a sales conversation.