Medicare Supplement (Medigap) in Mankato, Minnesota: 2027 Plain-English Guide
Original Medicare covers a lot — but it leaves gaps, with no yearly limit on what those gaps can cost you. For many people in Mankato, Minnesota, a Medigap policy is how they get peace of mind. Here's how the standardized plans work in Blue Earth County, in plain language, with no rankings and no pressure.
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For 2026, the Medicare.gov Medigap policy search listed 10 insurers selling Medicare Supplement (Medigap) policies in Minnesota, which includes Mankato.
Medigap plans in Mankato follow Minnesota's own standardized design in 2027, not the federal letters A through N used in other states.
In Blue Earth County, which includes Mankato, 13,110 people had Medicare in 2026, and about 40% of them were in Medicare Advantage rather than Original Medicare.
| Fact | Figure | Source |
|---|---|---|
| Medigap insurers in Minnesota, 2026 | 10 | Medicare.gov Medigap policy search (2026) |
| People with Medicare in Blue Earth County, 2026 | 13,110 | CMS county data and Census ACS (2026) |
| Share in Medicare Advantage in Blue Earth County, 2026 | 40% | CMS State/County MA Penetration (2026) |
| Standard Part B premium, 2026 | $202.90 a month | CMS 2026 Part B announcement |
Medicare Supplement (Medigap) chart
Medigap plans in Minnesota are different (2027)
Minnesota is one of three states (with Massachusetts and Wisconsin) that do not use the federal Medigap letters A through N. Minnesota standardizes its own Medigap plans (Basic and Extended Basic, with optional riders, plus Minnesota versions of Plans K, L, M, N and high-deductible plans) instead of the federal A-N letters; compare policies by those names.
For ZIP code 55401, the Medicare.gov Medigap policy search listed these Minnesota plan types for 2026: Basic, Extended Basic, High Deductible, High Deductible (new), 50% Cost-Sharing, 75% Cost-Sharing, Extended Basic (new), Minnesota N.
The federal Medigap comparison chart used in the other 47 states and DC does not apply in Minnesota. For the benefits of each Minnesota plan, see the Minnesota insurance department’s Medigap guide or the Medigap policy search on Medicare.gov, or call 1-800-MEDICARE.
Source: Federal Medigap standardization rules (CMS, medicare.gov); Medicare.gov Medigap policy search (2026).
By ZIP code
Medicare plans by ZIP code in Mankato
Mankato covers 1 ZIP code in Blue Earth County, where 10 Medicare Advantage plans are offered for 2027 (19 for 2026); 1 ZIP code in Nicollet County, where 8 Medicare Advantage plans are offered for 2027 (15 for 2026). Medicare plans are offered county by county, so every ZIP code in a county has the same Medicare Advantage lineup. Enter your ZIP code in the plan finder at the top of this page to compare the plans offered there.
| ZIP code | County | Medicare Advantage plans changing or leaving for 2027 |
|---|---|---|
| 56001 | Blue Earth County | 16 |
| 56003 | Nicollet County | 13 |
Sources: ZIP codes, GeoNames US postal codes (CC BY 4.0), limited to Census ZCTAs; changes, CMS MA Landscape files, CY2026 vs CY2027 comparison, mapped to ZIP codes with the Census ZCTA-to-county file (a ZIP code that crosses a county line is counted with the county holding most of its land). Counts only; no plan is ranked.
Good to know
Medigap in Mankato: questions (2027)
What is a Medigap plan, and how does it work in Mankato?
When can I buy a Medigap policy in Mankato?
What is the difference between Medicare Advantage and Medicare Supplement in Mankato?
What does Medicare cost in Mankato for 2027?
10 Medicare Advantage plans are available for 2027. Because Mankato is served by Blue Earth County (part of Mankato area), those are the options on the table locally. About 40% of the county's Medicare members are in a Medicare Advantage plan rather than Original Medicare, among the roughly 10,656 residents who are 65 or older.
It surprises people, but Medicare plan availability is drawn up county by county rather than by city or state — which is why a guide like this attributes everything to the surrounding county.
Read on for the organizations offering coverage in the area, a plain-language tour of how Medicare works, 2027 costs, enrollment timing, and free places to get unbiased help. We don't rank or recommend specific plans.
Blue Earth County at a glance
Mankato is in Blue Earth County. Medigap plans are standardized by letter everywhere, so the local question is how many neighbors use them and what the alternatives look like. Blue Earth County's figures, from CMS:
| People with Medicare | 13,110 |
|---|---|
| Residents 65 and older | 10,656 |
| Share in Medicare Advantage instead | 40% |
Where Medigap fits in your Medicare
Original Medicare (Part A and Part B) pays most of your covered costs — but not all. You're left with deductibles, coinsurance, and copays, and there's no annual out-of-pocket maximum in Original Medicare on its own. That open-ended exposure is the gap Medigap policies are designed to help close.
Medigap policies are sold by private insurers but standardized by the federal government and labeled with letters (such as Plan G or Plan N). Because they're standardized, a given lettered plan covers the same things no matter who sells it — what differs is price and service. Medigap pairs with Original Medicare, not Medicare Advantage, and doesn't include drugs, so people on this path usually add a stand-alone Part D plan.
This guide explains how the standardized plans and your enrollment rights work in Mankato, Minnesota. We explain the framework — we don't rank plans or quote specific premiums.
Who sells Medigap here
Medigap insurers serving Mankato
10 insurers sell Medigap policies in Minnesota under Minnesota’s own standardized plans. Medigap policies are sold statewide, and prices vary by insurer for the same letter.
See all Minnesota Medigap insurers and the plans each sells →
Source: Medicare.gov Medigap policy search. No insurer is ranked or recommended.
By the numbers
How people get Medicare in Blue Earth County
(MA penetration in Blue Earth 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.
The 2027 numbers, from shared to plan-specific
Start with what's fixed for everyone. The standard Part B premium is $202.90 per month in 2026 (2026 amount; 2027 figure will be posted when CMS releases it), and Part A is premium-free for most people who paid Medicare taxes long enough while working.
On the drug side, Part D has real guardrails for 2027: a deductible capped at $700 and, a hard $2,400 ceiling on your out-of-pocket costs for covered prescriptions — the old coverage gap is gone.
Higher earners pay more for Parts B and D through an income-related adjustment called IRMAA, which for 2026 starts above $109,000 in annual income for an individual and is based on your 2024 tax return. Most people fall below that line and pay the standard amounts. The 2027 brackets will be posted when CMS releases them.
Everything past that is plan-specific: the premiums, copays, and coverage details of an individual Advantage or Medigap plan change from plan to plan and year to year. Rather than quote or rank those, we point you to Medicare's Plan Finder and a licensed agent for your exact numbers.
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.
When you can enroll or make changes
Medicare's enrollment windows are federal — the same nationwide — so the timing below applies wherever you live.
Your first window (IEP). When you're new to Medicare, your Initial Enrollment Period is the 7-month window around your 65th birthday month. Signing up on time helps you avoid late penalties that can follow you for years.
Annual Enrollment Period (AEP). Each fall, from October 15 – December 7, anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan. Changes take effect January 1.
Medicare Advantage Open Enrollment. From January 1 – March 31, if you're already in an Advantage plan you get one chance to switch plans or return to Original Medicare.
Special Enrollment Periods can also open after certain life events, like moving or losing other coverage. The interactive calendar further down lays the year out visually.
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.
Where to get free, unbiased help near Mankato
Good Medicare help exists and it's free — you don't have to figure this out solo or pay for guidance.
For official specifics and the Plan Finder tool, go straight to Medicare.gov or 1-800-MEDICARE (TTY 1-877-486-2048). And a licensed agent can compare options and handle the paperwork with you.
One note on who we are: MyMedicarePlans.org is an independent, privately owned educational resource — not Medicare, not a government agency, and not affiliated with one. Our job is to help you get oriented, then hand you off to the official sources and licensed professionals for plan decisions.
New Medicare Supplement guides from Minnesota
- Medigap in Savage: how the lettered plans are built and what they pay for
- Minnesota does Medigap differently: what St. Paul shoppers should check for 2026
- Medigap in St. Paul: how Minnesota's own Medicare Supplement plans work
- Medigap in Minneapolis for 2026: why Minnesota's plans have different names
- Shopping Medigap in St. Paul: how to compare the same Minnesota plan across insurers
- Why Minneapolis Medigap shopping doesn't use the A-through-N letters
- Shopping Medigap in Minneapolis? Minnesota uses its own plan names — here's how to compare
- The Medigap Window Most Minneapolis Retirees Only Get Once