Minnesota · 2026 plan year

Medicare Advantage plans in Minnesota

Minnesota has 67 Medicare Advantage plans from 14 carriers, averaging 4.06 out of 5 stars across the 64 plans CMS has rated. The first real decision is HMO or PPO — how far you can go outside the plan’s network, and what that freedom costs.

67
Medicare Advantage plans
14
Carriers
87
Counties covered
4.1
Avg stars (64 of 67 rated)
A $0 plan premium is not a free plan. You still pay your Part B premium to Medicare, plus copays and coinsurance as you use care. CMS publishes star ratings per contract, so plans a carrier files under one contract all share a rating.

Minnesota PPO plans rate well above the national average.

Averaged across the 51 rated plans here, PPO coverage in Minnesota scores 4.17 stars against a national median of 3.81 for this plan type — 2nd highest of 51 states. Star ratings measure the contract's performance on care quality, member experience and complaints.

By plan type

HMO and PPO in Minnesota, compared

Plan typePlansCarriersAvg starsAvg out-of-pocket max
HMO1693.65$7,153
PPO5174.17Not published
Also available

Other Medicare coverage

Every figure on this page covers HMO and PPO plans. A small number of PFFS and Cost plans are sold in some states and are not included above — there are too few nationally (71 across 17 states) to compare meaningfully. Standalone Part D drug plans and PACE programmes are different products entirely and are not Medicare Advantage; you can find any available on the full Minnesota plan list.

Other states

Compare another state

All 51states → · Medicare Advantage vs Original Medicare

Stars are one signal.
Your care is the rest.

Simplivera scores every Minnesota plan against how much care you actually expect to use.

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