Minnesota Medicare plans for 2026.
Minnesota has approximately 1.1 million Medicare beneficiaries across Minneapolis-Saint Paul (Twin Cities), Rochester, Duluth, Saint Cloud, Mankato. We compare Medicare Advantage, Medigap, and Part D plans from UCare, Medica, Blue Plus (BCBS of MN), HealthPartners, UnitedHealthcare (AARP), Humana — for your doctors, your drugs, and your budget. Free, licensed, no pressure.
Your three plan paths.
Medicare Advantage (MA / MAPD)
An all-in-one alternative to Original Medicare. Bundles hospital, medical, and (usually) drug coverage into a single plan with a network. Often \$0 monthly premium plus extras like dental, vision, hearing, and OTC allowance.
Top MN carriers: UCare, Medica, Blue Plus, HealthPartners.
Original Medicare + Medigap + Part D
Original Medicare (Parts A + B) covers hospital + doctor. A Medigap (Supplement) plan covers most of what Medicare doesn't. A standalone Part D drug plan covers prescriptions. Maximum flexibility, larger networks, higher monthly cost.
MN Medigap rule: Minnesota uses non-standard Medigap plans (Basic, Extended Basic, plus Hospital + Doctor Office Riders) instead of the federal letter plans (A-N) used in most states. Switching rules and pricing differ accordingly. Minnesota also has continuous Medigap open enrollment with no underwriting for most plan changes — one of the most beneficiary-friendly states.
Part D standalone
If you stay on Original Medicare without Medigap, or have Medigap and need drug coverage, a standalone Part D plan covers prescriptions only. New for 2026: \$2,000 annual out-of-pocket cap on covered Part D drugs — a big deal for high-cost specialty medications.
D-SNP (Dual Special Needs)
If you qualify for both Medicare and Medicaid, a D-SNP plan combines the two and typically adds significant extras. Available in most Minnesota counties through Humana, UnitedHealthcare, and Anthem/WellCare depending on your county.
Network access in your area.
When comparing Minnesota Medicare plans, your hospital and doctor network matters more than the monthly premium. Major Minnesota hospital systems include:
Mayo Clinic (Rochester), M Health Fairview, HealthPartners, Allina Health, Essentia Health (Duluth).
Network participation varies by plan. SilverEdge's free advisor consultation includes a real-time hospital + doctor + drug network check before you enroll — no guesswork.
Compare every Minnesota Medicare plan, free.
A licensed MN advisor pulls every plan in your ZIP — Medicare Advantage, Medigap, Part D — and compares them on what matters: doctors, drugs, and total annual cost. No spam, no upsell, no fee.
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