Medicare Advantage

UnitedHealthcare's 2027 Medicare Advantage lineup in St. Paul: every plan, side by side

St. Paul, Minn. — UnitedHealthcare's 2027 Medicare Advantage lineup for St. Paul is set, and it is a little smaller than it was this year. In Ramsey County, the county St. Paul sits in, the insurer will offer six Medicare Advantage plans for 2027, down from seven in 2026. One plan from 2026 is not returning, and no new plans are being added. If you are enrolled with UnitedHealthcare now, your Annual Notice of Change (ANOC) explains what is different about your specific plan — and you have until December 7, 2026 to make a change for coverage that starts January 1, 2027.

MyMedicarePlans.org is an independent news and education site. We are not UnitedHealthcare, and five other carriers also sell Medicare Advantage plans in Ramsey County for 2027 (27 plans in all across all carriers).

What UnitedHealthcare Medicare Advantage plans are available in St. Paul for 2027?

In Ramsey County, which includes St. Paul, UnitedHealthcare is offering six Medicare Advantage plans for 2027. All six are PPOs. Five include Part D prescription drug coverage, and one does not. Two of the six are Chronic Condition Special Needs Plans (C-SNPs), which are built for people living with specific long-term conditions and have their own eligibility rules.

The table below lists every UnitedHealthcare plan available in the county for 2027 by name and type. The lineup includes several AARP Medicare Advantage from UHC PPO plans, the AARP Medicare Advantage Patriot No Rx PPO (the plan without drug coverage), and two UHC Complete Care C-SNP plans.

What is new or not returning in UnitedHealthcare's 2027 lineup for Ramsey County?

One UnitedHealthcare plan offered in Ramsey County in 2026 will not be offered in 2027. No plans are new for 2027, and none have been renamed. That means the shape of the lineup is similar to this year's, just one plan smaller.

If your current plan is the one that is not returning, UnitedHealthcare will send you a non-renewal notice explaining your options and your special right to pick another plan. If your plan is returning, your ANOC — which arrives by the end of September — spells out any changes to premiums, cost sharing, drug coverage, or the provider network for 2027.

How do I check a UnitedHealthcare plan against my doctors and prescriptions before December 7?

The most reliable way is the Medicare Plan Finder at medicare.gov. You can enter your ZIP code, add your prescriptions and your pharmacy, and the tool will show how each plan treats your drug list for 2027. You can also call 1-800-MEDICARE (TTY 1-877-486-2048), 24 hours a day, seven days a week.

To check your doctors, use the plan's own provider directory on UnitedHealthcare's site or call the plan directly. Networks can change year to year, so even if you kept the same plan last year, it is worth checking that your primary care doctor, specialists, and preferred hospital are still in network for 2027. The plan's Evidence of Coverage is the official document for benefits and rules.

What are the Special Needs Plans UnitedHealthcare offers in St. Paul?

Two of the six UnitedHealthcare plans in Ramsey County for 2027 are Chronic Condition Special Needs Plans (PPO C-SNPs): UHC Complete Care MN-7 and UHC Complete Care Support MN-8. C-SNPs are a type of Medicare Advantage plan limited to people with certain qualifying chronic conditions, such as diabetes or chronic heart failure. To enroll, you have to meet the plan's medical eligibility rules; the plan verifies the condition with your doctor.

UnitedHealthcare is not offering a Dual Eligible Special Needs Plan (D-SNP) or an Institutional Special Needs Plan (I-SNP) in Ramsey County for 2027. If you have both Medicare and Medicaid, other carriers in the county may offer D-SNPs — the Plan Finder will show them.

What is changing about Part D drug coverage in 2027?

Five of UnitedHealthcare's six Ramsey County plans for 2027 include Part D drug coverage; one does not. For anyone with Part D, CMS has confirmed two program-wide numbers for 2027: the out-of-pocket cap on covered drugs rises to $2,400 (from $2,100 in 2026), and the maximum Part D deductible a plan can charge rises to $700 (from $615 in 2026). The coverage gap, or "donut hole," remains gone — Part D has three phases now.

The Medicare Prescription Payment Plan is still available in 2027 as an option to spread covered drug costs across the calendar year in level monthly bills, instead of paying at the pharmacy counter. CMS will publish the 2027 Part B standard premium, Part B deductible, and IRMAA income brackets later in the fall, usually in November.

What should I do during the Annual Enrollment Period?

The Annual Enrollment Period runs October 15 – December 7, 2026. Any choice you make in that window takes effect January 1, 2027. If you do nothing, your current plan renews for 2027 as long as it is still offered — with the changes described in your ANOC.

A simple checklist:

• Read your ANOC when it arrives.
• Make a list of your prescriptions, dosages, and pharmacy.
• Make a list of your doctors and the hospital you prefer.
• Run both lists through the Plan Finder at medicare.gov for every plan you are considering.
• If a plan looks right, confirm the provider network with the plan directly before you enroll.

If you miss December 7 and are already in a Medicare Advantage plan, you have one more window — the Medicare Advantage Open Enrollment Period, January 1 – March 31, 2027 — to switch to a different Advantage plan or go back to Original Medicare.