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Blue Cross Ends All But One Medicare Advantage Plan, And 18 Counties Lose Every Regular Plan

Updated October 28, 2026.

What changed in Minnesota Medicare Advantage plans for 2027, and how to compare the plans offered in your county. Open enrollment runs October 15 through December 7.

These figures come from Medicare's public plan data, published by the Centers for Medicare & Medicaid Services (CMS). Insurers can change plan details after filing them with Medicare. Before you enroll, confirm a plan's costs, covered drugs, doctors and hospitals with the insurer, on Medicare's Plan Finder, or by calling 1-800-MEDICARE (1-800-633-4227). How To Use This Website And Its Limits.

The Changes In Minnesota

More Than 320,000 Must Choose A New Plan

More than 320,000 Minnesotans are in Medicare Advantage plans that end on December 31, and they must choose new coverage (Minnesota Star Tribune, October 1, 2026). Blue Cross and Blue Shield of Minnesota ends all but one of its 2026 Medicare Advantage plans, offers new plans in their place, and stops offering plans in 31 counties. Humana leaves Minnesota. In 18 counties, no regular Medicare Advantage plan is left: 15 have only Cost plans, and in Crow Wing, Lake of the Woods and Wadena, no plan open to everyone is offered at all.

Greater Minnesota Pays More

Outside the seven-county Twin Cities area, people face a higher lowest yearly total, on lower incomes. The lowest yearly total if you get sick, in a plan with drug coverage, is $5,614 in the metro and typically $7,390 in Greater Minnesota. Median income for households headed by someone 65 or older is $68,347 in the metro and $53,337 in Greater Minnesota. That is about 8% of income in the metro and 14% in Greater Minnesota. In 22 counties, one insurer is left.

Compare Plans In Your Minnesota County

The full guide shows every plan offered in each Minnesota county for 2027, what each could cost you in a year if you get sick, and what it covers, and lets you compare plans side by side.

Open the Minnesota guide

Or go straight to your county:

If You Choose Original Medicare Instead

Original Medicare has no out-of-pocket maximum: there is no cap on what you can pay in a year. Most people add a Medigap supplement and a stand-alone drug plan. Minnesota does not use the lettered Medigap plans sold in most states; it has its own Basic and Extended Basic plans. In 2026, complete coverage (Extended Basic) cost about $3,300 to $7,800 a year per person, depending on the company and where you live (Minnesota Department of Commerce, rates as of January 1, 2026).

Stand-alone drug plans in Minnesota went from 11 to 9 for 2027, with monthly premiums from $5.30 to $222.90.

In 2027, what you pay out of pocket for covered drugs is capped at $2,400 a year in every Medicare drug plan, including drug coverage inside Medicare Advantage.

The Warning Most People Never Hear

If you choose Medicare Advantage and later want to switch back to Original Medicare, you may not be able to buy a Medigap supplement. After your first chance to buy one, Medigap insurers can deny you or charge you more because of your health.

There are exceptions. If your Medicare Advantage plan is ending or leaving your area, as many are for 2027, federal law gives you the right to buy certain Medigap policies without health questions. This right applies only if you switch to Original Medicare, not to another Medicare Advantage plan. You can apply as early as 60 days before your plan ends and no later than 63 days after. Original Medicare does not cover prescription drugs, so you will also need a separate drug plan. You also have this right if you joined Medicare Advantage when you first got Medicare at 65 and switch to Original Medicare within the first year. If you dropped a Medigap policy to join Medicare Advantage for the first time, you have one year to get that policy back if the same company still sells it.

Some Plans Can Fill Up Before December 7

For 2027, Medicare lets insurers cap how many people can join some Medicare Advantage plans. Once a plan reaches its cap, it closes to new members, even before open enrollment ends. People already in a plan keep it. If you have picked a plan, enroll soon and confirm with the plan that it is still open.

In Minnesota, HealthPartners has capped its 2027 Journey Pace and Journey Smart plans. Check whether they are still open at healthpartners.com.

Get Free Help

Check your own doctors and prescriptions in Medicare's Plan Finder at medicare.gov, or call 1-800-MEDICARE (1-800-633-4227). If your income is limited, ask about Medicare Savings Programs and Extra Help with drug costs.

Free, unbiased counseling: Minnesota Aging Pathways (formerly the Senior LinkAge Line), 1-800-333-2433, Monday through Friday, 8:00 a.m. to 4:30 p.m., or chat at mn.gov/aging-pathways.

If you are deaf, hard of hearing or have a speech disability, dial 711 to reach any of these numbers through a free relay service.

What's Coming In 2032 And 2033

This year's changes come as two larger deadlines approach. The government's own trustees reported in June 2026:

Congress can still act; it has before. But it has less room than in 1981, the last time Social Security came this close. The national debt then was just under $1 trillion. On October 8, 2026, it was more than $40 trillion.

Sources: 2026 Annual Reports of the Social Security and Medicare Boards of Trustees (June 9, 2026); Committee for a Responsible Federal Budget (July 24, 2025, and June 9, 2026); U.S. Treasury, Debt to the Penny (Oct. 8, 2026); Washington Post, Oct. 23, 1981 (debt passes $1 trillion).

Sources: Centers for Medicare & Medicaid Services, CY2026 and CY2027 Landscape files (Sept. 2026), CY2027 Plan Benefit Package files, CY2027 Plan Crosswalk (Oct. 1, 2026); U.S. Census Bureau, American Community Survey 2020-2024, Table B19049. Shows plans open to everyone with Medicare in the county; special needs plans are not listed. Premiums are plan premiums and do not include the Part B premium. See How We Did This.