Medicare Supplement Cost in Minnesota
2026 Medigap Plan G, N & F rates for Minnesota residents — age 65+
Non-tobacco rates. Tobacco users pay 10–20% more. Part B premium ($185/mo in 2026) is separate.
Minnesota Medigap Premium Calculator
Medigap Plan Comparison — Minnesota 2026
Age 65, non-tobacco. Annual Part B premium ($185/mo) is additional and the same for all plans.
| Plan | What It Covers | Monthly | Annual |
|---|---|---|---|
| Plan G | Most popular — covers all except Part B deductible | $160/mo | $1,920/yr |
| Plan N | Lower premium — $20 office copay, $50 ER copay | $127/mo | $1,524/yr |
| High-Ded. Plan G | $2,800 deductible before coverage; very low premium | $45/mo | $538/yr |
| Plan K | 50% cost-share; lower premium, higher out-of-pocket | $72/mo | $864/yr |
| Plan L | 75% cost-share; moderate premium | $96/mo | $1,152/yr |
| Plan F (grandfathered) | Full coverage incl. Part B deductible — not for new enrollees after 2020 | $189/mo | $2,266/yr |
Medicare Supplement in Minnesota: Key Facts
Minnesota follows standard federal Medicare Supplement rules. Your most important window is the 6-month Medigap Open Enrollment period — it starts the month you turn 65 AND are enrolled in Medicare Part B. During this window, no insurer can deny you coverage or charge more based on health conditions. After this window, insurers in most states can charge higher rates or deny coverage based on your health history.
Critical Reminder: Don't Miss Your Open Enrollment Window
The 6-month open enrollment window is your best — and often only — guaranteed chance to get Medicare Supplement coverage at standard rates. Apply for Medigap during this period even if you feel healthy. After the window closes, health underwriting applies in Minnesota, and pre-existing conditions can mean higher rates or outright denial.
Buying Tips for Minnesota
Plan G is the recommended starting point for most Minnesota Medicare beneficiaries. It covers all cost-sharing except the $240 Part B deductible — giving you predictable annual costs. Compare at least 5 carriers in Minnesota: Mutual of Omaha, Aetna, Cigna, AARP/UnitedHealthcare, and Humana typically offer competitive rates. Get quotes through Medicare.gov or a licensed independent broker.
Plan G Premium by Age in Minnesota
Attained-age pricing (most common): premiums increase as you age. Community-rated plans (MA, NY, CT) do not increase with age.
Minnesota Pricing Model: Community-Rated
Minnesota requires community-rated pricing — your Medigap premium is the same regardless of age. Rates don't automatically increase as you get older; they only rise with general cost inflation. This is a significant advantage: locking in a Plan G at 65 in Minnesota provides long-term cost predictability that most states can't offer.
What Medigap Covers — and What It Doesn't
Plan G Covers in Minnesota
- ✓ Part A hospital coinsurance (365 days beyond Medicare)
- ✓ Part B coinsurance / copayments (100%)
- ✓ Part A hospice care coinsurance
- ✓ Skilled nursing facility coinsurance
- ✓ Part A deductible ($1,676 in 2026)
- ✓ Foreign travel emergency (80%)
NOT Covered by Any Medigap
- ✗ Prescription drugs (need separate Part D — $0–$100/mo)
- ✗ Dental, vision, and hearing
- ✗ Long-term care / nursing home stays
- ✗ Routine physical exams beyond Medicare
- ✗ Cosmetic procedures
- ✗ Part B deductible ($240 in 2026 — Plan G)
Medigap works alongside Original Medicare (Parts A & B). You still need a separate Part D plan for prescription drugs and may want separate dental/vision coverage.
Compare Medicare Supplement Plans in Minnesota
Medigap coverage is federally standardized — Plan G is Plan G everywhere. The ONLY difference between carriers is price and service. Compare all Minnesota carriers to find the lowest rate for identical coverage.
Frequently Asked Questions
How much does Medicare Supplement insurance cost in Minnesota?
Medicare Supplement Plan G in Minnesota costs approximately $160/month for a 65-year-old non-tobacco user. Plan N averages $127/month. Rates increase with age — at 75, expect $$237/month for Plan G. This is your Medigap premium only; the standard Part B premium ($185/month in 2026) is a separate federal charge.
What is the best Medicare Supplement plan in Minnesota?
Plan G is the most popular and generally the best Medigap plan for new Medicare enrollees in Minnesota. It covers everything except the Part B deductible ($240 in 2026), giving you predictable costs year-round. Plan N is an excellent alternative if you're healthy and comfortable with $20 office visit copays — it costs 15–20% less. High-Deductible Plan G offers the lowest premium (~$45/month) but requires paying a $2,800 deductible before benefits kick in — best for very healthy seniors.
When can I enroll in Medicare Supplement in Minnesota?
The standard Medigap Open Enrollment Period in Minnesota is the 6-month window starting the month you turn 65 AND are enrolled in Part B. During this window, any insurer must sell you any plan at standard rates regardless of your health history. After this window closes, insurers can charge more or deny coverage based on health conditions. Enroll during this window even if you feel healthy — it's your guaranteed access.
Is Medicare Supplement or Medicare Advantage better for Minnesota residents?
Medicare Supplement works with Original Medicare — giving you access to any doctor or hospital that accepts Medicare nationwide with predictable costs. Medicare Advantage (Part C) often has $0 premium but uses HMO/PPO networks and has out-of-pocket maximums of $4,000–$8,300/year. Supplement is better for: those with frequent health needs, travelers, people who want any doctor/hospital. Advantage is better for: healthy seniors in strong-network areas who want low monthly costs and don't mind network restrictions.
How does Minnesota Medigap pricing work — will my premium increase as I age?
Minnesota requires community-rated pricing — your Medigap premium is the same regardless of age. Rates don't automatically increase as you get older; they only rise with general cost inflation. This is a significant advantage: locking in a Plan G at 65 in Minnesota provides long-term cost predictability that most states can't offer.
Minnesota Medigap Rates
- Plan G (age 65)
- $160/mo
- Plan N (age 65)
- $127/mo
- HD Plan G (age 65)
- $45/mo
- Plan G (age 75)
- $237/mo
- + Part B premium
- +$185/mo
Compare by State
Plan G, age 65, non-tobacco