Best Medicare Advantage Plans in Minnesota for 2027
Every general-audience Medicare Advantage plan with drug coverage in Minnesota, ranked by what it could cost you in a bad year: 12 months of premiums, less any Part B giveback, plus the plan's in-network out-of-pocket maximum. Pick your county to see only the plans sold there.
Minnesota plans, ranked
Showing all 35 plans.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Allina Health Aetna Medicare Premier (PPO)Allina Health Aetna Medicare · PPO15 of 69 counties · drug deductible $300Dental up to $1,750/yr · eyewear $225/yr · hearing aids $1,000/yr per ear · OTC items $160/yr | $97 | $4,450 | $5,614 | 3.5★ |
| 2 | Allina Health Aetna Medicare Enhanced (PPO)Allina Health Aetna Medicare · PPO15 of 69 counties · drug deductible $300Dental up to $1,600/yr · eyewear $225/yr · hearing aids $750/yr per ear · OTC items $220/yr | $61 | $5,000 | $5,732 | 3.5★ |
| 3 | Allina Health Aetna Medicare Premier Extra (PPO)Allina Health Aetna Medicare · PPO15 of 69 counties · drug deductible $300Dental up to $2,100/yr · eyewear $250/yr · hearing aids $1,500/yr per ear · OTC items $280/yr | $169 | $3,900 | $5,928 | 3.5★ |
| 4 | Gundersen MN Quartz Med Advantage Value D (w/Rx) (HMO)Quartz Medicare Advantage (HMO) · HMO3 of 69 counties · drug deductible $225Dental up to $400/yr · eyewear $175/yr · hearing aids $625/yr | $93 | $4,900 | $6,016 | 4.5★ |
| 5 | Allina Health Aetna Medicare Signature Fit (PPO)Allina Health Aetna Medicare · PPO8 of 69 counties · drug deductible $400Part B giveback $42/mo · Dental up to $2,050/yr · eyewear $225/yr · hearing aids $500/yr per ear · OTC items $220/yr | $0−$42 Part B giveback | $6,750 | $6,246 | 3.5★ |
| 6 | Allina Health Aetna Medicare Signature (PPO)Allina Health Aetna Medicare · PPO15 of 69 counties · drug deductible $400Dental up to $1,300/yr · eyewear $175/yr · hearing aids $500/yr per ear · OTC items $220/yr | $0 | $6,350 | $6,350 | 3.5★ |
| 7 | Medica Advantage Value (PPO)Medica · PPO6 of 69 counties · drug deductible $700Part B giveback $40/mo · Dental up to $1,100/yr · eyewear $175/yr · OTC items $80/yr | $0−$40 Part B giveback | $7,150 | $6,670 | 4★ |
| 8 | Gundersen MN Quartz Med Advantage Elite D (w/Rx) (HMO)Quartz Medicare Advantage (HMO) · HMO3 of 69 counties · drug deductible $200Dental up to $475/yr · eyewear $250/yr · hearing aids $750/yr | $200 | $4,450 | $6,850 | 4.5★ |
| 9 | AARP Medicare Advantage from UHC MN-0002 (PPO)UnitedHealthcare · PPO10 of 69 counties · drug deductible $685Preventive dental · eyewear $75/yr · hearing aids $700/yr | $59 | $6,300 | $7,008 | 4.5★ |
| 10 | Medica Advantage Preferred (PPO)Medica · PPO6 of 69 counties · drug deductible $280Dental up to $1,200/yr · eyewear $200/yr · OTC items $40/yr | $218 | $4,450 | $7,066 | 4★ |
| 11 | Medica Advantage Preferred (PPO)Medica · PPO2 of 69 counties · drug deductible $280Dental up to $1,200/yr · eyewear $200/yr · OTC items $40/yr | $218 | $4,450 | $7,066 | 4★ |
| 12 | Gundersen MN Quartz Med Advantage Core D (w/Rx) (HMO)Quartz Medicare Advantage (HMO) · HMO3 of 69 counties · drug deductible $270Dental up to $300/yr · eyewear $100/yr · hearing aids $400/yr | $48 | $6,500 | $7,076 | 4.5★ |
| 13 | AARP Medicare Advantage from UHC MN-0001 (PPO)UnitedHealthcare · PPO10 of 69 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 4.5★ |
| 14 | Blue Cross Medicare Advantage Essential (PPO)Blue Cross and Blue Shield of Minnesota · PPO10 of 69 counties · drug deductible $700Dental up to $1,000/yr | $0 | $7,150 | $7,150 | 4★ |
| 15 | Gundersen MN Quartz Med Advantage Basic D (w/Rx) (HMO)Quartz Medicare Advantage (HMO) · HMO3 of 69 counties · drug deductible $270Preventive dental | $0 | $7,150 | $7,150 | 4.5★ |
| 16 | Blue Cross Medicare Advantage Premier (PPO)Blue Cross and Blue Shield of Minnesota · PPO10 of 69 counties · drug deductible $500Dental up to $1,000/yr · eyewear $250/yr | $189 | $4,900 | $7,168 | 4★ |
| 17 | Blue Cross Medicare Advantage Select (PPO)Blue Cross and Blue Shield of Minnesota · PPO10 of 69 counties · drug deductible $700Dental up to $1,000/yr | $109 | $5,900 | $7,208 | 4★ |
| 18 | Medica Advantage Select (PPO)Medica · PPO2 of 69 counties · drug deductible $420Dental up to $700/yr · eyewear $100/yr | $129 | $5,800 | $7,348 | 4★ |
| 19 | HealthPartners Journey Pace (PPO)HealthPartners · PPO7 of 69 counties · drug deductible $700Dental · eyewear $150/yr | $20 | $7,150 | $7,390 | 4.5★ |
| 20 | Medica Advantage Essential (PPO)Medica · PPO11 of 69 counties · drug deductible $700Preventive dental | $20 | $7,150 | $7,390 | 4★ |
| 21 | Medica Advantage Select (PPO)Medica · PPO6 of 69 counties · drug deductible $420Dental up to $1,000/yr · eyewear $150/yr · OTC items $40/yr | $133 | $5,800 | $7,396 | 4★ |
| 22 | AARP Medicare Advantage from UHC FG-0001 (PPO)UnitedHealthcare · PPO15 of 69 counties · drug deductible $700Dental up to $2,500/yr · eyewear $175/yr · hearing aids $700/yr | $24.60 | $7,150 | $7,445 | 4.5★ |
| 23 | Medica Advantage Value (PPO)Medica · PPO2 of 69 counties · drug deductible $700Dental up to $500/yr · eyewear $75/yr | $31 | $7,150 | $7,522 | 4★ |
| 24 | HealthPartners Journey Pace (PPO)HealthPartners · PPO8 of 69 counties · drug deductible $700Dental · eyewear $150/yr | $40 | $7,150 | $7,630 | 4.5★ |
| 25 | AARP Medicare Advantage from UHC FG-0002 (PPO)UnitedHealthcare · PPO5 of 69 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $52 | $7,150 | $7,774 | 4.5★ |
| 26 | Medica Advantage Essential (PPO)Medica · PPO25 of 69 counties · drug deductible $700Preventive dental | $60 | $7,150 | $7,870 | 4★ |
| 27 | Align SecureChoice Gold (PPO)Align powered by Sanford Health Plan · PPO19 of 69 counties · drug deductible $350Preventive dental · eyewear $200/yr · OTC items $280/yr | $112 | $7,150 | $8,494 | 3.5★ |
| 28 | Medica Advantage Select (PPO)Medica · PPO11 of 69 counties · drug deductible $420Dental up to $800/yr | $122 | $7,150 | $8,614 | 4★ |
| 29 | Blue Cross Medicare Advantage Select (PPO)Blue Cross and Blue Shield of Minnesota · PPO24 of 69 counties · drug deductible $700Dental up to $1,000/yr | $165 | $6,900 | $8,880 | 4★ |
| 30 | Medica Advantage Select (PPO)Medica · PPO25 of 69 counties · drug deductible $455Dental up to $500/yr · eyewear $100/yr | $148 | $7,150 | $8,926 | 4★ |
| 31 | HealthPartners Journey Smart (PPO)HealthPartners · PPO7 of 69 counties · drug deductible $700Part B giveback $50/mo · Dental | $0−$50 Part B giveback | $9,850 | $9,250 | 4.5★ |
| 32 | HealthPartners Journey Smart (PPO)HealthPartners · PPO8 of 69 counties · drug deductible $700Part B giveback $38/mo · Dental | $0−$38 Part B giveback | $9,850 | $9,394 | 4.5★ |
| 33 | Blue Cross Medicare Advantage Essential (PPO)Blue Cross and Blue Shield of Minnesota · PPO1 of 69 counties · drug deductible $700Dental up to $1,000/yr | $0 | $9,850 | $9,850 | 4★ |
| 34 | Blue Cross Medicare Advantage Essential (PPO)Blue Cross and Blue Shield of Minnesota · PPO24 of 69 counties · drug deductible $700Dental up to $1,000/yr | $10 | $9,850 | $9,970 | 4★ |
| 35 | Align SecureChoice (PPO)Align powered by Sanford Health Plan · PPO19 of 69 counties · drug deductible $500Preventive dental · eyewear $100/yr · OTC items $120/yr | $35 | $9,850 | $10,270 | 3.5★ |
Worst-case year = 12 × (monthly plan premium − any Part B giveback) + in-network maximum out-of-pocket, for covered Part A and B services. A giveback lowers the Part B premium you’d otherwise pay ($202.90 a month in 2026), so it counts as money back; a plan with a large giveback can show a worst-case year below $0. The Part B premium itself is the same for everyone, and drug costs are capped separately at $2,400 for 2027. Out-of-network care in PPO plans has a higher limit. Ties go to the lower premium. Other extras (dental, eyewear, hearing aids, over-the-counter allowance) are the yearly maximums each plan filed with CMS; they don’t change the order. Methodology
Before you enroll, check two things this ranking can’t: whether your doctors are in the plan’s network, and how it covers your drugs. Both are in the official Medicare Plan Finder. Star ratings are CMS’s 2027 quality scores (1 to 5) for the company contract behind each plan; they’re shown for context and don’t change the cost order.
Plans without drug coverage
These 5 plans don’t include Part D. They mainly suit people with drug coverage from elsewhere, such as the VA or TRICARE. Joining one generally means you can’t also join a stand-alone Part D plan, and going without creditable drug coverage can trigger a late enrollment penalty.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Medica Advantage Salute (PPO)Medica · PPO44 of 69 countiesPart B giveback $160/mo · Dental up to $1,500/yr · eyewear $200/yr · OTC items $200/yr | $0−$160 Part B giveback | $4,450 | $2,530 | 4★ |
| 2 | AARP Medicare Advantage Patriot No Rx FG-MA01 (PPO)UnitedHealthcare · PPO15 of 69 countiesPart B giveback $170/mo · Dental up to $5,000/yr · eyewear $125/yr · hearing aids $700/yr | $0−$170 Part B giveback | $5,900 | $3,860 | 4.5★ |
| 3 | Allina Health Aetna Medicare Eagle (PPO)Allina Health Aetna Medicare · PPO15 of 69 countiesPart B giveback $135/mo · Dental up to $2,100/yr · eyewear $250/yr · hearing aids $1,000/yr per ear · OTC items $360/yr | $0−$135 Part B giveback | $5,500 | $3,880 | 3.5★ |
| 4 | Gundersen MN Quartz Med Advantage Value (HMO)Quartz Medicare Advantage (HMO) · HMO3 of 69 countiesDental up to $1,000/yr · eyewear $225/yr · hearing aids $750/yr | $0 | $4,450 | $4,450 | 4.5★ |
| 5 | Blue Cross Medicare Advantage Freedom Blue (PPO)Blue Cross and Blue Shield of Minnesota · PPO35 of 69 countiesPart B giveback $145/mo · Dental up to $2,000/yr · eyewear $250/yr · OTC items $300/yr | $0−$145 Part B giveback | $6,900 | $5,160 | 4★ |
County pages
Anoka County · Carver County · Dakota County · Hennepin County · Olmsted County · Ramsey County · Scott County · St. Louis County · Stearns County · Washington County · Wright County
Questions
How many Medicare Advantage plans are available in Minnesota for 2027?
CMS lists 35 general-audience Medicare Advantage plans with drug coverage in Minnesota for 2027, from 7 parent companies. Not every plan is sold in every county; use the county filter to see yours.
Are there $0 premium Medicare Advantage plans in Minnesota?
Yes. 9 of the 35 plans have a $0 monthly plan premium in 2027. You still pay the Part B premium ($202.90 a month in 2026).
Which Minnesota Medicare Advantage plan has the lowest worst-case cost?
Allina Health Aetna Medicare Premier (PPO) from Allina Health Aetna Medicare: $97 a month with an in-network out-of-pocket maximum of $4,450, so at most about $5,614 in premiums and in-network costs for the year. It is offered in 15 of 69 counties.
Which Minnesota Medicare Advantage plans have 4 or more stars?
28 of the 35 plans belong to contracts CMS rated 4 stars or higher for 2027. Star ratings measure quality and member experience, not cost; the table shows each plan's rating next to its worst-case cost.
Which Minnesota Medicare Advantage plans have a Part B giveback?
4 of the 35 plans lower your Part B premium (a "giveback"), according to their 2027 benefit filings with CMS. The largest is $50 a month, from HealthPartners Journey Smart (PPO). A giveback plan isn't automatically cheaper: compare its worst-case year and its network.
What is the typical out-of-pocket maximum in Minnesota?
The median in-network out-of-pocket maximum among these plans is $7,150. CMS allows up to $9,850 in 2027.
Sources
- CMS, CY 2027 Medicare Advantage and Prescription Drug Plan Landscape (CY2027_Landscape_202609.csv), from cms.gov; extra benefits (Part B giveback, dental, eyewear, hearing aids, over-the-counter allowance) from the CMS CY 2027 Plan Benefit Package files, cms.gov, yearly amounts as each plan filed them; star ratings from the CMS 2027 Star Ratings Data Tables (October 8, 2026), cms.gov. Ratings are per contract, so plans under the same contract share one rating. General-audience plans only: Special Needs Plans, Cost plans and employer group plans are not ranked.
- CMS, 2026 Part B premium — cms.gov.
Educational information, not a recommendation to join any plan. We are not an insurance agent or broker, and we are not connected with or endorsed by the U.S. government or the federal Medicare program. Plan details can change; confirm with the plan or Medicare.gov. · Advertiser disclosure
Keep going
Other states
Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming