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Minnesota · 2026 plan year

Medicare Advantage PPO plans in Minnesota

There are 51 Medicare Advantage PPO plans in Minnesota from 7 carriers, averaging 4.17 out of 5 stars across the 51 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.

51
PPO plans
7
Carriers
83
Counties covered
4.2
Average stars
Varies
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.

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.

Most PPO plans in Minnesota rate 4 stars or better.

39 of 51 plans here carry an overall rating of at least 4 stars. Where ratings cluster this high they stop being a useful way to sort plans — network, drug coverage and out-of-pocket limits will separate these more than the star count will.

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

Highest rated

Top-rated PPO plans in Minnesota

PlanStarsOut-of-pocket maxPremium / mo
AARP Medicare Advantage from UHC FG-0001 (PPO)UnitedHealthcare4.5★—$0
AARP Medicare Advantage from UHC FG-0002 (PPO)UnitedHealthcare4.5★—$0
AARP Medicare Advantage from UHC FG-0003 (PPO)UnitedHealthcare4.5★—$0
AARP Medicare Advantage from UHC MN-0001 (PPO)UnitedHealthcare4.5★—$0
AARP Medicare Advantage from UHC MN-0002 (PPO)UnitedHealthcare4.5★—$0

Showing 5 of 51. See all MinnesotaMedicare Advantage plans →

Who sells here

PPO plans by carrier

CarrierPlansAvg starsSNPs
Blue Cross and Blue Shield of MinnesotaAware Integrated, Inc.124.5—
Allina Health Aetna MedicareAllina Health and Aetna Insurance Holding Company104.02
UnitedHealthcareUnitedHealth Group, Inc.104.53
HealthPartnersHealthPartners, Inc.74.5—
MedicaMedica Holding Company63.5—
HumanaHumana Inc.43.5—
Align powered by Sanford Health PlanSanford Health23.5—
Other plan types in Minnesota

How PPO compares

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

All MinnesotaMedicare Advantage plans →

Nearby on quality

States with similar PPO star ratings

Pennsylvania
4.28★ average
142 PPO plans
Utah
4.14★ average
34 PPO plans
Wyoming
4.13★ average
7 PPO plans
Common questions

Minnesota Medicare Advantage PPO plans, answered

How much do Medicare Advantage PPO plans cost in Minnesota?
Of the Minnesota PPO plans with a published premium, 55% 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 plan's out-of-pocket maximum — check it on each plan, since CMS does not publish it uniformly for PPO plans.
What are the star ratings for Minnesota PPO plans?
The 51 rated PPO plans in Minnesota average 4.17 out of 5 stars, with 39 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 PPO plans are available in Minnesota?
There are 51 PPO plans from 7 carriers, sold across 83 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. 5 of them are Special Needs Plans with extra eligibility rules (see below).
Do Minnesota PPO plans include prescription drug coverage?
51 of the 51 PPO 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?
5 of the 51 PPO 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.

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