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Written by David Bynon [3], Medicare Analyst since 2012.  Last updated July 15, 2025

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Medicare Advantage
 » 
Minnesota

2025 Guide to Medicare Advantage Plans in Minnesota

by David Bynon, last updated July 15, 2025

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Uncovering the Top Medicare Advantage Plans in Minnesota

Are you considering enrolling in a Medicare Advantage plan in Minnesota? You're in good company. This year, more than 31 million people enrolled in a private Medicare health plan. Some want lower costs. Some are looking for more benefits. Others need access to more healthcare providers and doctors.

On this webpage, we aim to assist you in uncovering the highest-rated Medicare Advantage (MA) plans available in Minnesota, identifying the insurance providers that offer these plans, and providing guidance on locating suitable plans within your specific County. This is important because not all plans are available in all areas.

Table of Contents

Who Has The Best Plans in Minnesota? Complete List of Providers Best Plans By CMS Rating Best Plans By County How To Find The Best Plan Next Steps

Unveiling the Standout Medicare Advantage Plans in Minnesota

Each year, the Centers for Medicare & Medicaid Services (CMS), reviews and rates Minnesota's Medicare Advantage plans based on a 5-star scale. The information used to create a plan's star rating comes from member input and data reported by the plan.

There are no 5-star plans in Minnesota in 2025. However, there are 4.5-star plans. This year, the highest rated Medicare plans available in Minnesota come from:

    MedicareWire recommends evaluating plans from these Minnesota health insurance companies first. Why? Because more stars mean a better plan. For instance, members may get better care, customer service, and phone support from a 5-star plan than from a 4-star one.

    IMPORTANT: Depending on where you live in Minnesota, Medicare Advantage plans may have many valuable benefits (as compared to Original Medicare). But, before you choose, it's crucial that you understand the potential disadvantage of Medicare Advantage plans. Compare coverage and costs carefully.

    Complete List of Minnesota's Plan Providers

    Minnesota has 10 providers that offer Medicare Advantage plans. They include:

    • Align powered by Sanford Health Plan
    • Allina Health Aetna Medicare
    • Blue Cross and Blue Shield of Minnesota
    • HealthPartners
    • Humana
    • Medica
    • Quartz Medicare Advantage
    • UCare
    • UnitedHealthcare
    • UnitedHealthcare®

    Top Minnesota Plans by CMS 5-Star Score

    Here's a list of the best Medicare Advantage plans available in Minnesota, according to the Centers for Medicare & Medicaid Services:

    Top Medicare Advantage Plans in Minnesota

    Best Medicare Advantage Plans in Minnesota for 2025
    Provider Plan ID Plan Name Premium Limit Stars

    Interested in joining a plan from one of the top-rated providers? That has a lot to do with your Minnesota County. Medicare Advantage plans are regional, and you can't join a plan that isn't in your area.

    Top-Rated Medicare Advantage Plans in Minnesota by County

    Choose your Minnesota County below to see the best (and the worst) plans.

    Aitkin County, MN Medicare Advantage Plans
    Anoka County, MN Medicare Advantage Plans
    Becker County, MN Medicare Advantage Plans
    Beltrami County, MN Medicare Advantage Plans
    Benton County, MN Medicare Advantage Plans
    Big Stone County, MN Medicare Advantage Plans
    Blue Earth County, MN Medicare Advantage Plans
    Brown County, MN Medicare Advantage Plans
    Carlton County, MN Medicare Advantage Plans
    Carver County, MN Medicare Advantage Plans
    Cass County, MN Medicare Advantage Plans
    Chippewa County, MN Medicare Advantage Plans
    Chisago County, MN Medicare Advantage Plans
    Clay County, MN Medicare Advantage Plans
    Clearwater County, MN Medicare Advantage Plans
    Cook County, MN Medicare Advantage Plans
    Cottonwood County, MN Medicare Advantage Plans
    Crow Wing County, MN Medicare Advantage Plans
    Dakota County, MN Medicare Advantage Plans
    Dodge County, MN Medicare Advantage Plans
    Douglas County, MN Medicare Advantage Plans
    Faribault County, MN Medicare Advantage Plans
    Fillmore County, MN Medicare Advantage Plans
    Freeborn County, MN Medicare Advantage Plans
    Goodhue County, MN Medicare Advantage Plans
    Grant County, MN Medicare Advantage Plans
    Hennepin County, MN Medicare Advantage Plans
    Houston County, MN Medicare Advantage Plans
    Hubbard County, MN Medicare Advantage Plans
    Isanti County, MN Medicare Advantage Plans
    Itasca County, MN Medicare Advantage Plans
    Jackson County, MN Medicare Advantage Plans
    Kanabec County, MN Medicare Advantage Plans
    Kandiyohi County, MN Medicare Advantage Plans
    Kittson County, MN Medicare Advantage Plans
    Koochiching County, MN Medicare Advantage Plans
    Lac qui Parle County, MN Medicare Advantage Plans
    Lake County, MN Medicare Advantage Plans
    Lake of the Woods County, MN Medicare Advantage Plans
    Le Sueur County, MN Medicare Advantage Plans
    Lincoln County, MN Medicare Advantage Plans
    Lyon County, MN Medicare Advantage Plans
    Mahnomen County, MN Medicare Advantage Plans
    Marshall County, MN Medicare Advantage Plans
    Martin County, MN Medicare Advantage Plans
    McLeod County, MN Medicare Advantage Plans
    Meeker County, MN Medicare Advantage Plans
    Mille Lacs County, MN Medicare Advantage Plans
    Morrison County, MN Medicare Advantage Plans
    Mower County, MN Medicare Advantage Plans
    Murray County, MN Medicare Advantage Plans
    Nicollet County, MN Medicare Advantage Plans
    Nobles County, MN Medicare Advantage Plans
    Norman County, MN Medicare Advantage Plans
    Olmsted County, MN Medicare Advantage Plans
    Otter Tail County, MN Medicare Advantage Plans
    Pennington County, MN Medicare Advantage Plans
    Pine County, MN Medicare Advantage Plans
    Pipestone County, MN Medicare Advantage Plans
    Polk County, MN Medicare Advantage Plans
    Pope County, MN Medicare Advantage Plans
    Ramsey County, MN Medicare Advantage Plans
    Red Lake County, MN Medicare Advantage Plans
    Redwood County, MN Medicare Advantage Plans
    Renville County, MN Medicare Advantage Plans
    Rice County, MN Medicare Advantage Plans
    Rock County, MN Medicare Advantage Plans
    Roseau County, MN Medicare Advantage Plans
    Scott County, MN Medicare Advantage Plans
    Sherburne County, MN Medicare Advantage Plans
    Sibley County, MN Medicare Advantage Plans
    St. Louis County, MN Medicare Advantage Plans
    Stearns County, MN Medicare Advantage Plans
    Steele County, MN Medicare Advantage Plans
    Stevens County, MN Medicare Advantage Plans
    Swift County, MN Medicare Advantage Plans
    Todd County, MN Medicare Advantage Plans
    Traverse County, MN Medicare Advantage Plans
    Wabasha County, MN Medicare Advantage Plans
    Wadena County, MN Medicare Advantage Plans
    Waseca County, MN Medicare Advantage Plans
    Washington County, MN Medicare Advantage Plans
    Watonwan County, MN Medicare Advantage Plans
    Wilkin County, MN Medicare Advantage Plans
    Winona County, MN Medicare Advantage Plans
    Wright County, MN Medicare Advantage Plans
    Yellow Medicine County, MN Medicare Advantage Plans

    Navigating Your Options: How to Select the Best Medicare Advantage Plan in Minnesota

    There are various reasons you might be considering a plan change, such as turning 65 or the Annual Enrollment Period. You might also be navigating a special enrollment event, such as moving into a new region. There are some important details to consider in all these situations.

    1. Examine Your Projected Utilization Needs

    Do you believe that you will get the most out of your plan's benefits, including hospital inpatient care? If you do, evaluate plans with higher monthly premiums, low copayments, and low maximum out-of-pocket limits. Conversely, if your health is good and you rarely use services, look for plans with low premiums or a zero-dollar premium. These plans may have high out-of-pocket maximums and high deductibles, so weigh your risk carefully.

    2. Evaluate Your Prescription Costs

    For many seniors, prescription drugs are what drive up their healthcare costs the most. And, because nearly all Minnesota Medicare Advantage plans include Part D benefits for your regular prescriptions, you need to make sure the plan you choose covers your drugs at a price you can afford.

    3. Assess Your Need for Supplemental Coverage

    Original Medicare does not all health care costs. It covers your major medical and some preventive care services, but it does not cover dental, vision, hearing, or prescriptions. A growing number of Medicare Advantage plans cover many of the essential services that your Part A and Part B benefits do not.

    4. Consider Your Healthcare Providers

    Medicare Advantage plans use healthcare provider networks, and not all primary care doctors and specialists accept all plans. For many Minnesota shoppers, finding a plan that their doctors accept is exhausting. We can help!

    Find Plans in your area with your ZIP Code

    Next Steps

    Frequently Asked Questions

    Still have questions? These common questions and answers might help.

    What is the biggest disadvantage of Medicare Advantage?

    Medicare Advantage plans can have some potential drawbacks. Many plans require members to use their provider network. Costs are also heavily influenced by how you use healthcare services. This makes it difficult to budget for healthcare expenses. Most plans require members to get referrals for specialists or authorization before they can receive healthcare services. Learn more about the pros and cons of Medicare Advantage plans.

    How much does Medicare Advantage cost in Minnesota?

    The average cost of a Medicare Advantage plan in Minnesota is $nan. But that's just the monthly premium. If you have one or more chronic health conditions, a plan's out-of-pocket costs (e.g. deductibles and copays) are also a factor to consider. Plus, most Medicare Advantage plans include prescription drug benefits, which have their own out-of-pocket costs.

    What do Medicare Advantage plans include?

    All Medicare Advantage plans offered in Minnesota must cover all of the Original Medicare benefits. But, private Medicare plans are not required to provide healthcare services similarly. For instance, Medicare Part A covers 80% of hospital stays, skilled nursing, home care, hospice care, and home health care. And Part B covers 80% of doctor visits, lab tests, and other outpatient services. However, Medicare Advantage plans are allowed to set their own copays and routinely charge more than 20%. That said, they do have an annual limit, whereas Original Medicare doesn't.

    Citations & References

    • CMS.gov, 2023 Medicare Part C Landscape Source Files, Last Accessed January 13, 2023
    • CMS.gov, "5-STAR PLAN RATINGS", Last Accessed October 22, 2022
    • Medicare.gov, "Explore your Medicare coverage options", Last Accessed October 27, 2022
    • KFF.org, "Medicare Advantage 2023 Spotlight: First Look", Last Accessed September 5, 2023
    • Medicare.gov, "How do Medicare Advantage Plans work?", Last Accessed October 13, 2022
    • CMS.gov, Part C and D Performance Data, Last Accessed October 13, 2024
    • CMS.gov, Monthly MA Enrollment by State/County/Contract, Last Accessed October 10, 2024

    For details on how we research, analyze, and construct plan information for Minnesota using CMS data, see our Medicare Plan Research Methodology.

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    [3]About the Author

    David Bynon is a Medicare analyst, published author, and U.S. Navy veteran with over 40 years of experience in cryptology, cybersecurity, and healthcare systems. Since founding MedicareWire in 2012, he has delivered independent, data-driven Medicare research to help seniors make informed, confident decisions.

    David is also the founder of TrustPublishing.com and the inventor of the Memory-First Publishing and Semantic Digest protocols.

    Connect with David on LinkedIn or view his Amazon Author Profile. His latest book, Why Medicare Advantage Plans Are Bad, is available on Amazon.

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