Medicare Supplement

Medigap in Minnesota for 2027: 10 Insurers and the Plans They Sell

MINNEAPOLIS — For Minnesotans who stay with Original Medicare, a Medicare Supplement policy — commonly called Medigap — is the private insurance that pays some of the costs Parts A and B leave behind. Minnesota does Medigap a little differently than most states, and the lineup of companies selling policies here is its own list. Here is what the Medicare.gov Medigap policy search shows for a Minneapolis ZIP code (55401) as the Medicare Open Enrollment 2027 window approaches.

What is Medigap and how is it different from Medicare Advantage in Minnesota?

Medigap is a private policy that works alongside Original Medicare (Parts A and B) to pick up a share of coinsurance, copays and deductibles. It is not Medicare Advantage. Medicare Advantage (Part C) is a different route in which a private plan replaces how you get your Part A and Part B benefits, usually with its own network and often with drug coverage built in. With Medigap, you keep Original Medicare, you generally can see any provider who accepts Medicare, and your drug coverage is handled by a separate stand-alone Part D plan.

Which insurers sell Medigap in Minnesota, and what plans do they offer?

The Medicare.gov Medigap policy search for ZIP code 55401 lists ten insurers: AARP – UnitedHealthcare Insurance Company; American Retirement Life Insurance Company (CIGNA); Bankers Life (Underwritten by Washington National Insurance Company); BlueCross BlueShield of Minnesota; Continental Life Insurance Company of Brentwood, Tennessee (Aetna); HealthPartners, Inc.; Insurance Company of North America; Medica Health Plans; Mutual of Omaha (Omaha Insurance Company); and State Farm Mutual Automobile Insurance Company.

Minnesota is one of three states that standardizes its own Medigap plans instead of using the federal A–N letters. In Minnesota you will compare a Basic Plan and an Extended Basic Plan (with optional riders you can add), along with Minnesota versions of Plans K, L, M and N and high-deductible options. What any given insurer sells can differ by ZIP code and by the applicant's age, sex and tobacco use, so the exact menu you see when you run your own search may not match a neighbor's. For specific plan designs, run the Medigap policy search at Medicare.gov or call the insurer directly.

What is the Medigap Open Enrollment Period and why does it matter in Minnesota?

The Medigap Open Enrollment Period is a six-month window that starts the first month you are 65 or older and enrolled in Medicare Part B. During those six months, insurers in Minnesota must sell you any Medigap policy they offer at the same price they charge a healthy person of your age, and they cannot turn you down or charge more because of a health condition. Outside that window, in most situations a Minnesota insurer may use medical underwriting to decide whether to issue a policy and at what price. That is why the six-month window is one of the most consequential dates on a new enrollee's calendar.

What happens in Minnesota if my Medicare Advantage plan is not returning in 2027?

If your Medicare Advantage plan is leaving Medicare and will not be offered where you live in 2027, you have a federal guaranteed-issue right to buy certain Medigap policies without medical underwriting. According to the CMS Landscape files, 35 Medicare Advantage plans offered in Minnesota in 2026 will not be offered anywhere in the state in 2027. Members of those plans will receive a non-renewal notice from the plan. The notice is the proof of your guaranteed-issue right, so keep it. Medicare.gov and 1-800-MEDICARE can walk you through which Medigap policies qualify and the deadlines that apply.

Does Medigap cover prescription drugs in Minnesota?

No. Medigap does not include prescription drug coverage, so Minnesotans who want help with drug costs enroll in a stand-alone Medicare Part D plan separately. Nationally for 2027, the Part D out-of-pocket cap is $2,400 (up from $2,100 in 2026), the most any Part D plan may charge as a deductible is $700, and the Part D base beneficiary premium — a national figure used in the late-enrollment penalty calculation — is $41.33. Individual plan premiums are set plan by plan and are listed in the Medicare Plan Finder at Medicare.gov.

How should I compare Medigap policies in Minnesota?

Start with the Medigap policy search on Medicare.gov using your own ZIP code, because the insurers and plan designs available can vary across Minnesota. Because Medigap plans within the same Minnesota plan name must offer the same core benefits across companies, the practical differences are things like price, the insurer's customer service, and whether the company offers any additional riders. Request each company's own outline of coverage, and confirm plan details with the insurer, Medicare.gov or 1-800-MEDICARE before you apply. A quick reminder: Plans C and F — on the federal side — are closed to people who became newly eligible for Medicare on or after January 1, 2020.

Where can Minnesotans get free help with Medicare decisions?

Free, unbiased help is available any time of year from Medicare itself. You can go to Medicare.gov to run the Medigap policy search and the Medicare Plan Finder for Part D, or call 1-800-MEDICARE (1-800-633-4227), which is staffed 24 hours a day, seven days a week. Annual Enrollment for 2027 runs October 15 – December 7, 2026, and choices made in that window take effect January 1, 2027. The Social Security Administration announced on October 14, 2026 a 3.6 percent cost-of-living adjustment for benefits payable beginning January 2027.