Medicare Advantage Plans in Minnesota 2026
Last reviewed: June 2026 · Data sourced from CMS.gov
Minnesota has about 41 percent of Medicare beneficiaries in Advantage plans. The Twin Cities metro has a competitive market. Minnesota has a long managed care tradition, with carriers like UCare and PreferredOne operating alongside Humana and UnitedHealthcare.
roughly 41%
of beneficiaries in Advantage plans
about 1.1 million
total Medicare beneficiaries
$0–$50
typical monthly premium range
Plan availability varies by county. Enter your ZIP code to see the exact plans, premiums, and coverage available where you live in Minnesota.
What to Look for in a Minnesota Medicare Advantage Plan
- ✓ Whether your current doctors and specialists are in-network
- ✓ Drug formulary — does it cover your prescriptions at a reasonable cost?
- ✓ Monthly premium and annual out-of-pocket maximum
- ✓ Extra benefits: dental, vision, hearing, fitness programs
- ✓ Star rating — CMS rates plans from 1 to 5 stars based on quality and member experience
- ✓ HMO vs. PPO — HMOs require referrals and restrict out-of-network care; PPOs are more flexible
2026 Medicare Advantage Costs in Minnesota
| Cost | Typical Range |
|---|---|
| Monthly premium | $0 to $50 (many plans at $0) |
| Annual out-of-pocket maximum | Up to $9,350 in-network (2026 CMS limit) |
| Primary care visit copay | $0 to $20 typical |
| Specialist visit copay | $20 to $50 typical |
| Inpatient hospital stay | $250 to $350/day for first few days (varies by plan) |
| Part B premium (always required) | $202.90/month standard (2026) |
Medicare Advantage vs. Medigap in Minnesota
Minnesota does not use the federal A through N Medigap plan system. The state offers its own Basic plan and Extended Basic plan. Work with a Minnesota-licensed agent to understand how these compare to what your neighbors in other states are buying.
Data note: Plan information is sourced from the U.S. Centers for Medicare and Medicaid Services (CMS). Premiums, coverage, and plan availability change annually. Contact a licensed Medicare agent or visit Medicare.gov for current, binding quotes.