Minnesota Medicare Advantage Plans Ending in 2027: Who Is Affected and How to Switch

If your plan is not being offered in your county next year, your insurer had to mail you a non-renewal notice, generally by early October. You should also read your Annual Notice of Change, mailed by September 30, which spells out next year’s changes. To check directly, compare plans for your ZIP code on the Medicare Plan Finder at Medicare.gov, call the Senior LinkAge Line (Minnesota Aging Pathways) at 1-800-333-2433, or upload your notice to our free Medicare Letter Check and we will explain exactly what is happening.

Several at once. Humana is leaving the individual Medicare Advantage market in Minnesota, affecting roughly 9,500 people. Blue Cross and Blue Shield of Minnesota is discontinuing nearly all of its current Medicare Advantage plans and launching new ones for 2027, saying the new lineup still reaches more than 80% of current members. HealthPartners is dropping 3 plans and exiting 7 counties, affecting about 24,500 members. Medica and UnitedHealthcare are also reducing their Minnesota service areas. Medicare Supplement (Medigap) and standalone Part D drug plans generally remain available statewide. This follows UCare’s 2025 exit, which forced about 160,000 Minnesota seniors to find a new plan.

You get a Special Enrollment Period that runs December 8 through the last day of February, on top of the regular Annual Enrollment Period (October 15 to December 7). If you request a new plan between December 8 and December 31, coverage starts January 1; if you request it in January, it starts February 1. When your plan is non-renewing and you move to Original Medicare, you may also have guaranteed-issue rights to buy a Medigap policy without medical underwriting, generally from 60 days before your coverage ends to no later than 63 days after, so do not let that window lapse.

Minnesota is one of only three states (with Massachusetts and Wisconsin) that do not use the standardized lettered Medigap plans (A, B, C, D, F, G, K, L, M, N). Instead, Minnesota uses a Basic Plan and a more comprehensive Extended Basic Plan, to which you can add optional riders (for the Part A hospital deductible, Part B excess charges, the Part B deductible, and preventive care). Minnesota also uses community rating, which means a 65-year-old and an 85-year-old pay the same base premium for the same plan. Because of this, national "pick Plan G" advice does not apply here; compare Minnesota plans by price and network, since the benefits within each plan type are the same across carriers.

In most cases, yes, but mind the window. When your Medicare Advantage plan is non-renewing and you return to Original Medicare, federal rules give you a guaranteed-issue right to buy certain Medigap policies without medical underwriting, generally from 60 days before coverage ends to no later than 63 days after. Separately, Minnesota created an annual guaranteed-issue window for residents ages 65 to 70 to switch Medigap plans without underwriting, though enrolling outside your initial window can carry a late-enrollment surcharge. Minnesota does not offer unlimited year-round guaranteed issue for everyone, so timing still matters.

Minnesota’s State Health Insurance Assistance Program is the Senior LinkAge Line, now also called Minnesota Aging Pathways, at 1-800-333-2433. It offers free, unbiased Medicare counseling. During open enrollment it can be hard to reach: the Minnesota Board on Aging reported that last year only about 48% of calls were answered, with an average wait of 34 minutes. If you cannot get through or want a second set of eyes, you can upload your notice to our free Medicare Letter Check, and our $99 Decision Support will compare the plans available to you.