Medicare Advantage

St. Paul's 2027 Medicare Advantage roster: 24 plans from 6 carriers, side by side

For 2027, St. Paul is looking at 27 Medicare Advantage plans: 8 new, 18 gone since 2026, and 9 still here but changed on premium, deductible, plan type or name, 3 of them under a new name. Below, how the lineup shifted in Ramsey County and what to compare, with no plan ranked or recommended.

Medicare AdvantageSt. Paul, MN

St. Paul, Minn. — If you live in St. Paul and you're shopping Medicare Advantage for 2027, here is the full menu. Medicare Advantage availability is set at the county level, and St. Paul sits in Ramsey County, where 24 Medicare Advantage plans from six carriers are offered for the 2027 plan year, according to the CMS Medicare Advantage Landscape Source File. The table below lists each plan by carrier, its plan type, and whether it comes with Part D built in.

What's on offer in Ramsey County for 2027

The 2027 roster in Ramsey County includes 24 plans from 6 carriers. Of the 37 plans offered in 2026, 16 continue into 2027, 18 are not returning, and 3 have been renamed; 8 plans are new for 2027. Six continuing plans change something in their terms — the specifics are in each plan's Annual Notice of Change.

Every plan available in the county includes Part D prescription drug coverage. There are no stand-alone Part D plans listed in this landscape file for the area, so most people who want drug coverage through Medicare Advantage will get it built into their MA plan.

The carriers selling in St. Paul for 2027

Six carriers offer Medicare Advantage plans in Ramsey County for the 2027 plan year. Humana, which sold in the county in 2026, is not offering plans for 2027. Listed alphabetically:

• Aetna (CVS Health) — 8 plans (PPO; includes 2 Special Needs Plans), sold under the Allina Health Aetna Medicare brand.
• Blue Cross and Blue Shield of Minnesota — 5 plans (PPO).
• Blue Plus — 1 plan (HMO; a Special Needs Plan, SecureBlue).
• HealthPartners — 5 plans (HMO and PPO; includes 1 Special Needs Plan).
• Humana — 5 plans (PPO).
• Medica — 6 plans (HMO, HMO-POS and PPO; includes 1 Special Needs Plan).
• UnitedHealthcare — 7 plans (PPO; includes 2 Special Needs Plans), sold under the AARP Medicare Advantage and UHC Complete Care brands.

The full list — every plan name and type — is in the table below.

Plan types, in plain English

Medicare Advantage plans come in a few flavors, and the shorthand on the table tells you how the plan handles doctors and hospitals.

• HMO — You generally use in-network providers and often need a referral to see a specialist.
• HMO-POS — Like an HMO, but with a "point-of-service" option to go out of network for certain services.
• PPO — You can see out-of-network providers, usually at a higher cost.
• D-SNP — A Special Needs Plan for people who have both Medicare and Medicaid.
• C-SNP — A Special Needs Plan for people with a qualifying chronic condition, such as diabetes or certain heart conditions.

Which plan type fits depends on your doctors, your prescriptions, and how you like to get care. The plan's own materials will spell out the network and rules.

2027 Part D rules to keep in mind

Because every Medicare Advantage plan in Ramsey County includes drug coverage, the 2027 Part D rules apply to your out-of-pocket drug costs:

• The Part D out-of-pocket cap is $2,100 in 2026 and $2,400 in 2027. Once you hit that, you pay nothing for covered drugs the rest of the year.
• The Part D maximum deductible is $615 in 2026 and $700 in 2027 (plans can set a lower one).
• The coverage gap ("donut hole") is gone as of 2025 — there are now three phases.
• You can opt into the Medicare Prescription Payment Plan to spread your drug costs across the year in monthly bills instead of paying at the pharmacy counter.
• IRMAA surcharges on Part B and Part D start above $109,000 in income for a single filer in 2026.

Dates that matter

• Annual Enrollment Period: Oct. 15 – Dec. 7. This is when most people compare and switch Medicare Advantage or Part D plans for the following year.
• Medicare Advantage Open Enrollment Period: Jan. 1 – March 31. If you're already in a Medicare Advantage plan, you get one chance during this window to switch to another MA plan or go back to Original Medicare.

How to compare on your own

The roster on this page comes from CMS's plan-level availability file for Ramsey County. It tells you what's sold — not what any plan costs you, covers, or how it's rated. For those details:

• Use the Medicare Plan Finder at medicare.gov to enter your ZIP code, your drugs and your doctors.
• Read the plan's Summary of Benefits and Evidence of Coverage.
• Call 1-800-MEDICARE (TTY 1-877-486-2048), open 24/7.
• Talk to Minnesota's SHIP, the State Health Insurance Assistance Program, known here as the Senior LinkAge Line (1-800-333-2433). Their counselors give free, unbiased help.