2027 plan year · Minnesota
2027 Medicare Advantage plans in St. Louis County, MN
19 plans from 3 insurers for 2027. 1 general plan has a $0 monthly premium. The lowest in-network out-of-pocket limit is $3,000.
- 16general plans
- 1$0-premium plans
- $3,000lowest out-of-pocket max
- 4.5 ★top star rating
- 3Special Needs Plans
2027 Medicare Advantage plans in St. Louis County, MN
Sorted by Medicare star rating, then monthly premium and out-of-pocket limit. Premiums shown are the plan's own premium; you also keep paying your Part B premium.
| Plan | Monthly premium | Out-of-pocket max | Drug deductible | Star rating |
|---|---|---|---|---|
| AARP Medicare Advantage Patriot No Rx FG-MA01 (PPO) UnitedHealthcare · PPO · no drug coverage | $0 | $5,900 | — | ★★★★★4.5 |
| AARP Medicare Advantage from UHC FG-0001 (PPO) UnitedHealthcare · PPO · includes drug coverage | $24.60 | $7,150 | $700 | ★★★★★4.5 |
| AARP Medicare Advantage from UHC FG-0002 (PPO) UnitedHealthcare · PPO · includes drug coverage | $52 | $7,150 | $685 | ★★★★★4.5 |
| Platinum Blue Core Plan (Cost) Blue Cross and Blue Shield of Minnesota · Cost · no drug coverage | $48 | $6,000 | — | ★★★★★3.5 |
| Platinum Blue Core Plan with Rx (Cost) Blue Cross and Blue Shield of Minnesota · Cost · includes drug coverage | $79.80 | $6,000 | $700 | ★★★★★3.5 |
| Platinum Blue Choice Plan (Cost) Blue Cross and Blue Shield of Minnesota · Cost · no drug coverage | $152 | $3,900 | — | ★★★★★3.5 |
| Platinum Blue Complete Plan (Cost) Blue Cross and Blue Shield of Minnesota · Cost · no drug coverage | $252 | $3,000 | — | ★★★★★3.5 |
| Platinum Blue Choice Plan with Rx (Cost) Blue Cross and Blue Shield of Minnesota · Cost · includes drug coverage | $260.50 | $3,900 | $700 | ★★★★★3.5 |
| Platinum Blue Complete Plan with Rx (Cost) Blue Cross and Blue Shield of Minnesota · Cost · includes drug coverage | $407.60 | $3,000 | $700 | ★★★★★3.5 |
| Medica Prime Solution Thrift (Cost) Medica · Cost · no drug coverage | $53 | $7,150 | — | ★★★★★3 |
| Medica Prime Solution Thrift w/Rx (Cost) Medica · Cost · includes drug coverage | $91 | $7,150 | $700 | ★★★★★3 |
| Medica Prime Solution Basic (Cost) Medica · Cost · no drug coverage | $114 | $5,900 | — | ★★★★★3 |
| Medica Prime Solution Enhanced (Cost) Medica · Cost · no drug coverage | $223 | $4,450 | — | ★★★★★3 |
| Medica Prime Solution Basic w/Rx (Cost) Medica · Cost · includes drug coverage | $242.10 | $5,900 | $600 | ★★★★★3 |
| Medica Prime Solution Standard (Cost) Medica · Cost · no drug coverage | — | $7,150 | — | ★★★★★3 |
| Medica Prime Solution Standard w/Rx (Cost) Medica · Cost · includes drug coverage | — | $7,150 | $500 | ★★★★★3 |
Special Needs Plans (SNPs)
Only for people who qualify: Dual-Eligible plans need both Medicare and Medicaid, Chronic Condition plans need a qualifying condition, and Institutional plans are for nursing home residents.
| Plan | Monthly premium | Out-of-pocket max | Drug deductible | Star rating |
|---|---|---|---|---|
| UHC Complete Care Support FG-5 (PPO C-SNP) UnitedHealthcare · PPO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $19.60 | $7,150 | $700 | ★★★★★4.5 |
| Medica DUAL Solution (HMO D-SNP) Medica · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $24.60 | $9,850 | $700 | ★★★★★4 |
| SecureBlue (HMO D-SNP) Blue Plus · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★3.5 |
What changed from 2026 to 2027
- 0 plans are new here for 2027.
- 2 plans offered here in 2026 aren't listed for 2027 (for example AARP Medicare Advantage from UHC FG-0003 (PPO), Medica Prime Solution Enhanced w/Rx 2 (Cost)). If yours is one of them, the plan should send you a notice explaining your options.
- Of the 17 plans offered both years, 11 raised the monthly premium and 5 lowered it.
Compared by plan ID. Plans that were renamed or merged into another plan may appear as new or ended.
Care quality in St. Louis County
Medicare Advantage plans use networks. Before choosing, check that the hospitals and nursing homes you'd want are in the plan's network, and how they're rated.
Other coverage options
- Stand-alone Part D drug plans in Minnesota (for people with Original Medicare)
- Medicare Advantage vs. Original Medicare
Frequently asked questions
How many Medicare Advantage plans are available in St. Louis County, MN for 2027?
19 plans from 3 insurers: 16 general plans open to anyone with Medicare Parts A and B who lives here, plus 3 Special Needs Plans for people who qualify.
Are there $0-premium Medicare Advantage plans in St. Louis County, MN?
Yes. 1 general plan has a $0 monthly plan premium for 2027. You still pay your Medicare Part B premium, and copays and coinsurance still apply.
What is the highest-rated Medicare Advantage plan in St. Louis County, MN?
AARP Medicare Advantage Patriot No Rx FG-MA01 (PPO) from UnitedHealthcare has the top Medicare star rating here (4.5 stars). Star ratings are given to the insurer's contract, so several plans can share one.
Which plan has the lowest out-of-pocket maximum in St. Louis County, MN?
Platinum Blue Complete Plan (Cost) caps in-network out-of-pocket costs at $3,000 for 2027.