Medicare Advantage
If you got a non-renewal letter in Minneapolis, here's your 2027 game plan
People in Minneapolis can choose from 25 Medicare Advantage plans for 2027, against 32 this year. 13 of this year’s plans are gone, 6 are new to Hennepin County, and 9 that continue have changed their premium, deductible, plan type or name, 3 of them under a new name.
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Key takeaways
- If your Medicare Advantage plan is not returning in 2027, your insurer must send a non-renewal letter — look for it in late September or October 2026.
- Doing nothing means you drop to Original Medicare (Parts A and B) on January 1, 2027, with no drug coverage attached.
- A non-renewal gives you a Special Enrollment Period that runs through the end of February 2027 to pick a new Medicare Advantage plan or a stand-alone Part D plan.
- The Annual Enrollment Period (October 15 – December 7, 2026) is still the simplest time to choose your 2027 coverage.
MINNEAPOLIS — Some Medicare Advantage members in Minneapolis are opening a letter this fall that they weren't expecting: a notice from their insurer that their plan will not be offered in 2027. In Hennepin County, the county Minneapolis sits in, 13 Medicare Advantage plans listed for 2026 are not in the CMS file for 2027. If you got one of these letters, you have time, you have options, and you have a special window to use them.
How to tell if your plan is one of them
Insurers are required to mail a non-renewal notice — sometimes called a "plan termination" letter — to every member of a plan that is ending. In Minneapolis, those notices generally arrive in late September through October 2026. The letter will say your plan will not be offered in 2027, give the exact date coverage ends (December 31, 2026), and explain your options.
If you're not sure what you're holding, two clues help: a non-renewal letter talks about your plan ending, not just changing. An Annual Notice of Change (ANOC) describes a plan that is continuing with updates. If your plan is continuing but changing, you'll see an ANOC instead.
The Minneapolis plans not returning for 2027
In Hennepin County, 13 Medicare Advantage plans are not returning for 2027. The table on this page lists every plan. By carrier, the plans leaving are:
- Blue Cross and Blue Shield of Minnesota: Blue Cross Medicare Advantage Choice (PPO); Blue Cross Medicare Advantage Comfort (PPO); Blue Cross Medicare Advantage Complete (PPO); Blue Cross Medicare Advantage Core (PPO)
- HealthPartners: HealthPartners Journey Pace (PPO); HealthPartners Journey Smart (PPO); HealthPartners Journey Steady (PPO); HealthPartners Journey Stride (PPO)
- Medica: Medica Advantage Solution H6154-001 (HMO-POS); Medica Advantage Solution H8889-001 (PPO); Medica Advantage Solution H8889-003 (PPO); Medica Advantage Solution H8889-005 (PPO)
- UnitedHealthcare: AARP Medicare Advantage from UHC MN-0005 (PPO)
For 2027, Hennepin County will have 25 Medicare Advantage plans from 6 carriers.
What happens if you do nothing
If your plan is on the list and you make no choice by December 31, 2026, you aren't left with nothing — but you aren't automatically moved into a similar plan either. On January 1, 2027, you shift to Original Medicare, which is Part A (hospital) and Part B (doctor). Original Medicare does not include prescription drug coverage, and it has no yearly out-of-pocket cap.
That default is fine for some people as a short-term landing spot. It usually isn't where you want to stay without adding at least a Part D drug plan, and often a Medicare Supplement (Medigap) policy to help with Part A and Part B cost-sharing.
Your choices and your Special Enrollment Period
You have more than one window to act, and they overlap on purpose.
During the Annual Enrollment Period (October 15 – December 7, 2026), you can pick any Medicare Advantage plan available in Hennepin County for 2027, or choose a stand-alone Part D plan to pair with Original Medicare. A choice made in this window starts January 1, 2027.
Through a Special Enrollment Period for a non-renewed plan, which runs from December 8, 2026 through the end of February 2027, you can:
- Enroll in a different Medicare Advantage plan, or
- Enroll in a stand-alone Medicare Part D drug plan to go with Original Medicare.
Medigap guaranteed-issue right. When your Medicare Advantage plan leaves the market, federal rules give you a guaranteed-issue right to buy certain Medicare Supplement policies without medical underwriting, within a set number of days around your plan's end date. The exact plans you can choose and the exact timing are set by federal rules and Minnesota's own insurance rules — for the state-level specifics, the Minnesota Department of Commerce is the authority.
Figures to keep in mind for 2027
A few program-level numbers that apply no matter which plan you choose:
- The Part D out-of-pocket cap is $2,400 in 2027 (up from $2,100 in 2026).
- The Part D maximum deductible is $700 in 2027 (up from $615 in 2026).
- The 2027 Part B standard premium and deductible, and the 2027 IRMAA income brackets, have not been announced yet; CMS publishes them later in the fall.
By the numbers
Medicare Part B premium, 2006–2026
The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.
Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.
By the numbers
How people get Medicare in Hennepin County
(MA penetration in Hennepin County)
MA penetration from CMS enrollment data; Medigap share is an estimate. U.S. average is about 54% Medicare Advantage. These are area-level figures, not plan-specific.
Not returning for 2027
Medicare Advantage plans in Hennepin County not returning for 2027
These 13 plans are offered in Hennepin County for 2026 and are not in CMS’s 2027 file for the county. A member of one of them gets a non-renewal letter from the plan and has a Special Enrollment Period to choose new coverage.
| Plan | Type | Drug coverage | For 2027 |
|---|---|---|---|
| Blue Cross and Blue Shield of Minnesota 4 plans | |||
| Blue Cross Medicare Advantage Choice (PPO) | PPO | Yes | Returning |
| Blue Cross Medicare Advantage Comfort (PPO) | PPO | Yes | Returning |
| Blue Cross Medicare Advantage Complete (PPO) | PPO | Yes | Returning |
| Blue Cross Medicare Advantage Core (PPO) | PPO | Yes | Returning |
| HealthPartners 4 plans | |||
| HealthPartners Journey Pace (PPO) | PPO | Yes | Returning |
| HealthPartners Journey Smart (PPO) | PPO | Yes | Returning |
| HealthPartners Journey Steady (PPO) | PPO | Yes | Returning |
| HealthPartners Journey Stride (PPO) | PPO | Yes | Returning |
| Medica 4 plans | |||
| Medica Advantage Solution H6154-001 (HMO-POS) | HMO-POS | Yes | Returning |
| Medica Advantage Solution H8889-001 (PPO) | PPO | Yes | Returning |
| Medica Advantage Solution H8889-003 (PPO) | PPO | Yes | Returning |
| Medica Advantage Solution H8889-005 (PPO) | PPO | Yes | Returning |
| UnitedHealthcare 1 plan | |||
| AARP Medicare Advantage from UHC MN-0005 (PPO) | PPO | Yes | Returning |
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plan availability is set at the county level. No plan is ranked or recommended; premiums, benefits, networks and star ratings are not shown. Plan details come from the Medicare Plan Finder at medicare.gov or the plan itself.
The 2027 choices, by type
HMO, PPO and Special Needs Plans in Hennepin County for 2027
- Aetna (CVS Health) 8 plans: PPO
- Blue Cross and Blue Shield of Minnesota 2 plans: PPO
- Blue Plus 1 plan: HMO
- HealthPartners 3 plans: HMO, PPO
- Medica 5 plans: HMO, PPO
- UnitedHealthcare 6 plans: PPO
HMO plans use a network and usually a primary-care doctor and referrals; HMO-POS plans add some out-of-network coverage; PPO plans also cover out-of-network care, at a higher share; PFFS plans pay any provider that accepts the plan’s terms. Special Needs Plans serve people with Medicare and Medicaid (D-SNP), certain chronic conditions (C-SNP) or living in an institution (I-SNP).
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plan availability is set at the county level. No plan is ranked or recommended; premiums, benefits, networks and star ratings are not shown. Plan details come from the Medicare Plan Finder at medicare.gov or the plan itself.
Key dates
Medicare enrollment periods at a glance
- Around your 65thInitial Enrollment PeriodA 7-month window around the month you turn 65 — your first chance to sign up.
- October 15 – December 7Annual Enrollment PeriodAnyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan.
- January 1 – March 31Medicare Advantage Open EnrollmentIf you're already in a Medicare Advantage plan, you can make one change.
- January 1 – March 31General Enrollment PeriodFor people who missed their first chance to sign up for Part B.
- VariesSpecial Enrollment PeriodTriggered by life events like moving or losing other coverage.
Dates are set by Medicare and apply nationwide. Confirm your personal windows at Medicare.gov or 1-800-MEDICARE.
Explore
When can you enroll? An interactive year
Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.
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The parts of Medicare
Good to know
Frequently asked questions
How will I know if my Medicare Advantage plan isn't returning in 2027?
What happens if I don't choose a new plan by December 7, 2026?
Can I buy a Medigap policy if my Medicare Advantage plan is ending?
Do I need to do anything if my plan is not on the list?
- CMS — MA Landscape Source File (plan-level availability by county)
- CMS — MA Landscape Source Files, current and coming plan year (year-over-year comparison)
- CMS — Medicare enrollment periods (medicare.gov)
For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
Also for Minneapolis
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This page was last updated: October 2026.