Medicare Advantage
UnitedHealthcare Medicare Advantage in Minnesota for 2027: 8 Plans, County by County
MINNESOTA — For the 2027 plan year, UnitedHealthcare is offering 8 Medicare Advantage plans across Minnesota, according to the Centers for Medicare & Medicaid Services (CMS) Medicare Advantage Landscape Source Files. All 8 are PPO plans, and 7 of them include prescription drug coverage. Minnesotans will choose among these during the Annual Enrollment Period that runs October 15 through December 7, 2026, with coverage starting January 1, 2027.
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Key takeaways
- UnitedHealthcare lists 8 Medicare Advantage plans in Minnesota for 2027, all PPOs, with 7 including drug coverage.
- Three of the 8 plans are Chronic Condition Special Needs Plans (C-SNPs); UnitedHealthcare lists no D-SNPs or I-SNPs in Minnesota for 2027.
- No UnitedHealthcare plans are new to Minnesota for 2027, and 2 of its 2026 plans are not returning.
- The Annual Enrollment Period runs October 15 through December 7, 2026, and any choice made during it takes effect January 1, 2027.
| Fact | Figure | Source |
|---|---|---|
| Part B standard monthly premium (2026) | $202.90 | Medicare.gov |
| Part D out-of-pocket cap (2026) | $2,100 | CMS |
| Part D out-of-pocket cap (2027) | $2,400 | CMS |
| Annual Enrollment Period (for 2027 coverage) | October 15 – December 7, 2026 | Medicare.gov |
| Medicare Advantage Open Enrollment Period | January 1 – March 31 | Medicare.gov |
Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.
This explainer is published by an independent Medicare education site. We are not the federal government, not affiliated with it, and not affiliated with UnitedHealthcare or any other insurance carrier.
How many UnitedHealthcare Medicare Advantage plans are offered in Minnesota for 2027?
UnitedHealthcare is offering 8 Medicare Advantage plans in Minnesota for 2027, according to the CMS Landscape files. All 8 are PPO plans, and 7 of them include Part D prescription drug coverage; one is offered without drug coverage.
Within those 8, UnitedHealthcare lists 3 Chronic Condition Special Needs Plans (C-SNPs), which are designed for people living with specific qualifying conditions. The carrier does not list any Dual Eligible Special Needs Plans (D-SNPs) or Institutional Special Needs Plans (I-SNPs) in Minnesota for 2027. For context, CMS shows 10 other carriers offering Medicare Advantage plans in Minnesota for 2027, with 66 plans statewide across all carriers combined.
A plan listed statewide is not automatically sold in every Minnesota county. Each plan is approved by CMS for a specific service area, so a plan on this list may or may not be offered where you live.
Which UnitedHealthcare Medicare Advantage plans have the widest county reach in Minnesota for 2027?
Based on CMS county-availability data for 2027, UnitedHealthcare's widest-reaching plans in Minnesota are AARP Medicare Advantage from UHC FG-0001 (PPO) and AARP Medicare Advantage Patriot No Rx FG-MA01 (PPO), each offered in 15 Minnesota counties. The Patriot plan is the one UnitedHealthcare offering without drug coverage.
After those two, AARP Medicare Advantage from UHC MN-0001 (PPO) and AARP Medicare Advantage from UHC MN-0002 (PPO) are each offered in 10 counties. On the Special Needs side, UHC Complete Care MN-7 (PPO C-SNP) and UHC Complete Care Support MN-8 (PPO C-SNP) are each offered in 10 counties, while UHC Complete Care Support FG-5 (PPO C-SNP) is offered in 4 counties. AARP Medicare Advantage from UHC FG-0002 (PPO) is offered in 5 counties.
You can see the full plan-by-plan county reach in the table on this page. The order reflects county count only; it is not a ranking of quality, value or fit.
What is new or not returning from UnitedHealthcare in Minnesota for 2027?
For 2027 in Minnesota, UnitedHealthcare has 0 new Medicare Advantage plans and 2 plans from 2026 that are not returning, according to CMS year-over-year Landscape data. The carrier's 2027 lineup is made up entirely of plans that continue from 2026.
If you are currently in a UnitedHealthcare plan, you should receive an Annual Notice of Change (ANOC) by late September 2026. That letter will tell you whether your specific plan is continuing into 2027, and if not, what your options are. If your plan is one of the 2 not returning, you will have time during the Annual Enrollment Period to pick a different plan.
How do I check whether a UnitedHealthcare plan is offered in my Minnesota county and covers my doctors and prescriptions?
The one place to confirm all three things — county availability, provider network and drug list — is the Medicare Plan Finder at medicare.gov. Enter your ZIP code and county, and the tool will show only the plans actually offered where you live for 2027.
From there, you can click into any UnitedHealthcare plan to view its provider directory and formulary (drug list), and to add your specific prescriptions and preferred pharmacy. You can also call 1-800-MEDICARE (1-800-633-4227), available 24 hours a day, 7 days a week, to ask the same questions. For the most authoritative detail on a particular plan, the Evidence of Coverage (EOC) and provider and pharmacy directories published by the plan itself are the governing documents.
Because plans are approved county by county, a plan named in this article — including those with the widest Minnesota reach — may not appear for your address.
What should Minnesotans do before December 7, 2026?
Before December 7, 2026, Minnesotans on Medicare should confirm whether their current coverage still fits for 2027. The Annual Enrollment Period opens October 15, 2026, and closes December 7, 2026, and any change made in that window takes effect January 1, 2027.
A simple checklist:
- Read your ANOC when it arrives in September 2026, so you know what is changing in your current plan.
- Make a list of your doctors, hospitals, pharmacies and prescriptions.
- Use the Medicare Plan Finder at medicare.gov to compare the plans actually offered in your county, including UnitedHealthcare's and those from the 10 other carriers in Minnesota.
- If you are considering a C-SNP, confirm with the plan that you meet the qualifying condition requirements.
There is no penalty for reviewing your options and keeping the plan you have.
Where can Minnesotans get free help comparing 2027 Medicare Advantage plans?
Free, unbiased help is available directly from Medicare. The Plan Finder at medicare.gov lets you compare every 2027 plan offered in your county side by side, including premiums, deductibles, drug coverage and star ratings as published by CMS.
You can also call 1-800-MEDICARE (1-800-633-4227), 24 hours a day, 7 days a week, including holidays, to speak with a representative who can walk through plan options for your county, confirm whether a specific plan is available at your address, and help you enroll.
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.
2027 plan lineup
UnitedHealthcare Medicare Advantage plans in Minnesota for 2027
CMS lists 8 UnitedHealthcare Medicare Advantage plans across Minnesota for 2027, alphabetically by carrier, widest county reach first. 10 other carriers also offer plans there.
| Plan | Type | Drug coverage | Counties |
|---|---|---|---|
| UnitedHealthcare 8 plans | |||
| AARP Medicare Advantage from UHC FG-0001 (PPO) | PPO | Yes | 15 |
| AARP Medicare Advantage Patriot No Rx FG-MA01 (PPO) | PPO | No | 15 |
| AARP Medicare Advantage from UHC MN-0001 (PPO) | PPO | Yes | 10 |
| AARP Medicare Advantage from UHC MN-0002 (PPO) | PPO | Yes | 10 |
| UHC Complete Care MN-7 (PPO C-SNP) | PPO C-SNP | Yes | 10 |
| UHC Complete Care Support MN-8 (PPO C-SNP) | PPO C-SNP | Yes | 10 |
| AARP Medicare Advantage from UHC FG-0002 (PPO) | PPO | Yes | 5 |
| UHC Complete Care Support FG-5 (PPO C-SNP) | PPO C-SNP | Yes | 4 |
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plans are offered county by county; a plan listed for the state may not be offered in your county. 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
How UnitedHealthcare Medicare Advantage plans across Minnesota break down for 2027
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. Plans are offered county by county; a plan listed for the state may not be offered in your county. 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.
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Frequently asked questions
How many UnitedHealthcare Medicare Advantage plans are available in Minnesota for 2027?
Are any UnitedHealthcare plans new in Minnesota for 2027?
When do I need to make a decision for 2027 coverage?
How do I know if a UnitedHealthcare plan is offered in my county?
- 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.
Sources and methodology
- Medicare.gov, Medicare costs (Part B premium)
- CMS, Medicare prescription drug coverage (Part D) program rules
- CMS, Medicare Advantage and Part D plan-year announcements
- Medicare.gov, enrollment periods and plan rules
- CMS, Medicare Advantage and Part D Landscape Source Files
Figures cited in this article
- CMS — Medicare Advantage Landscape Source File (CY2027): UnitedHealthcare's Minnesota plan list, plan types, SNP counts, drug-coverage counts and county reach.
- CMS — Medicare Advantage Landscape Source Files (CY2026 and CY2027): the year-over-year comparison showing 0 new plans and 2 not returning.
- CMS — Medicare enrollment periods (medicare.gov): the October 15 – December 7, 2026 Annual Enrollment Period and January 1, 2027 effective date.
- Medicare.gov — Medicare Plan Finder: tool for confirming county availability, provider networks and drug lists.
How we put this together: area counts come from the CMS files listed above for the county that contains this city, program figures come from CMS, Medicare.gov and the Social Security Administration, and no plan is ranked or recommended.
By The Medicare Desk · Published . For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
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This page was last updated: October 2026.