SimpliveraCoverage Companion
Minnesota · 2026 plan year

Medicare Advantage HMO plans in Minnesota

There are 16 Medicare Advantage HMO plans in Minnesota from 9 carriers, averaging 3.65 out of 5 stars across the 13 plans CMS has rated. Nearly all charge no monthly plan premium, so what separates them is network, drug coverage and how much you could owe in a bad year.

16
HMO plans
9
Carriers
87
Counties covered
3.6
Avg stars (13 of 16 rated)
$7,153
Avg out-of-pocket max
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. Star ratings are published by CMS per contract, so every plan a carrier files under the same contract shares one rating — it describes the carrier’s performance, not this specific plan’s benefits. Estimate your real costs.

63% of Minnesota's HMO plans are Special Needs Plans.

10 of 16 plans here are SNPs — restricted to people who also have Medicaid, live in an institution, or have a qualifying chronic condition. If none of those apply to you the field is smaller than the headline count suggests, so filter them out before comparing.

Minnesota HMO plans rank 33rd of 49 on star rating.

Across the 13 rated plans here the average overall rating is 3.65 stars, 33rd highest of the 49 states with HMO plans. Ratings apply to the contract, so every plan a carrier files under one contract shares the same score.

Not sure whether Medicare Advantage suits you at all? Medicare Advantage vs Original Medicare covers the trade in plain language.

Highest rated

Top-rated HMO plans in Minnesota

PlanStarsOut-of-pocket maxPremium / mo
Gundersen MN Quartz Med Advantage Elite D (w/Rx) (HMO)Quartz Medicare Advantage (HMO)4★$3,500$0
Gundersen MN Quartz Med Advantage Value (HMO)Quartz Medicare Advantage (HMO)4★$4,200$0
Gundersen MN Quartz Med Advantage Value D (w/Rx) (HMO)Quartz Medicare Advantage (HMO)4★$4,200$4.60
Gundersen MN Quartz Med Advantage Core D (w/Rx) (HMO)Quartz Medicare Advantage (HMO)4★$5,900$20.80
Gundersen MN Quartz Med Advantage Basic D (w/Rx) (HMO)Quartz Medicare Advantage (HMO)4★$6,700$0

Showing 5 of 16. See all MinnesotaMedicare Advantage plans →

Who sells here

HMO plans by carrier

CarrierPlansAvg starsSNPs
Quartz Medicare Advantage (HMO)University of Wisconsin Hospitals and Clincs Autho54.0—
MedicaMedica Holding Company23.31
PrimeWest HealthPrimeWest Rural MN Health Care Access Initiative24.02
South Country Health Alliance23.52
Blue PlusAware Integrated, Inc.14.01
HealthPartnersHealthPartners, Inc.13.51
Itasca Medical Care/IMCare ClassicItasca County1—1
UCareUCare Minnesota13.01
UCare's MSHOUCare Minnesota13.01
Other plan types in Minnesota

How HMO compares

HMO
3.6★ avg · 9 carriers
16 plans · you are here
PPO
4.2★ avg · 7 carriers
51 plans

All MinnesotaMedicare Advantage plans →

Nearby on quality

States with similar HMO star ratings

Maine
3.68★ average
31 HMO plans
Illinois
3.65★ average
93 HMO plans
Delaware
3.65★ average
24 HMO plans
Common questions

Minnesota Medicare Advantage HMO plans, answered

How much do Medicare Advantage HMO plans cost in Minnesota?
Of the Minnesota HMO plans with a published premium, 88% charge $0 a month. A $0 premium does not mean the plan is free: you still pay your Part B premium to Medicare, plus copays and coinsurance as you use care. The number that actually caps a bad year is the in-network out-of-pocket maximum, which averages $7,153 across these plans.
What are the star ratings for Minnesota HMO plans?
The 13 rated HMO plans in Minnesota average 3.65 out of 5 stars, with 7 rating 4 or better. CMS rates a contract rather than an individual plan, so every plan a carrier files under the same contract shares one score. A contract that is too new or has too little data is not rated at all, which is different from rating badly.
How many Medicare Advantage HMO plans are available in Minnesota?
There are 16 HMO plans from 9 carriers, sold across 87 counties. Availability is set by county, so the plans you can actually join depend on where you live — the full list is rarely available in any one place. 10 of them are Special Needs Plans with extra eligibility rules (see below).
Do Minnesota HMO plans include prescription drug coverage?
16 of the 16 HMO plans here bundle Part D drug coverage into the plan. That is the usual arrangement for Medicare Advantage and there is no separate drug premium for it — the plan premium covers both. If you join a Medicare Advantage plan without drug coverage, you generally cannot add a standalone Part D plan alongside it.
What is a Special Needs Plan, and are there any in Minnesota?
10 of the 16 HMO plans in Minnesota are Special Needs Plans. SNPs limit enrollment to people who also have Medicaid, live in a nursing home or similar institution, or have a qualifying chronic condition. They often carry richer benefits for that group, but if you do not meet the criteria you cannot join one — so the real number of plans open to you may be lower than the total.

A $0 premium is not the whole cost.
See what a year really looks like.

Simplivera models your actual annual costs across Minnesota Medicare Advantage plans.

Estimate my costs — it’s free →