How much is a Medicare Supplement in Minnesota?

For coverage starting January 1, 2027, the plans we quote run $268.06 a month for the $20/$50 Copay plan to $365.94 for Extended Basic, with Basic at $301.38 and High Deductible at $101.38 to $124.95 (two versions; we confirm which applies). Minnesota is community rated, so a 66-year-old and an 80-year-old pay the same, and so do men and women. Join through the new 65-to-70 window and 15% is added for life (20% from January 2027). Part B ($202.90 a month in 2026) is separate.

What is the best Medicare Supplement plan in Minnesota?

For someone who wants Plan G-style coverage it is Basic with the Part A deductible and excess charge riders, $355.94 a month: after the Part B deductible, almost nothing left to pay for Medicare-covered care. Extended Basic costs $10.00 more and is different rather than bigger: 80% of costs Medicare does not pay with your yearly share capped at $1,000, plus a preventive benefit. The $20/$50 Copay plan saves $87.88 a month if you rarely see a doctor. The right one depends on how often you use care and which doctors you see.

What is the Minnesota Extended Basic plan?

Minnesota's single plan with no riders to choose: the Part A deductible and coinsurance, Part B coinsurance, 80% of usual and customary costs Medicare does not cover, including abroad, with your share capped at $1,000 a year, and a $120 preventive benefit. People eligible for Medicare since 2020 get the version without the Part B deductible, $365.94 a month for coverage starting January 1, 2027. Nobody new to Medicare can buy Part B deductible coverage on any Minnesota plan.

Can I get a Minnesota Medigap plan without health questions?

Four common ways. In your first six months on Part B, any plan, no surcharge; on Medicare through disability, you get a second six months at 65. Joined Medicare Advantage when Part B started and leaving it, or it ends, within 12 months? Any plan, no surcharge. From 65 to 70, if you have never had Medigap, any plan in the yearly window (October 15 to December 7; January 1 to March 31 follows Medicare's Advantage enrollment dates), with a lifetime surcharge of 15% for a 2026 enrollment and 20% for 2027. And if your Medicare Advantage plan ends, Basic with riders, no surcharge, until 63 days after the plan stops. Otherwise the insurer asks health questions, and an application it approves carries no surcharge.

Does Minnesota have Plan G and Plan N?

No. Minnesota sells its own plans. Basic plus the Part A deductible and excess riders ($355.94) is the near match for Plan G; the $20/$50 Copay plan ($268.06) is the near match for Plan N.

Why does this page not name the insurance company?

The prices are from the insurer we place Minnesota applications with, so the number here matches the quote you get. We name it on the call and send its outline of coverage before you apply. Other insurers charge more or less for the same Minnesota plan; Minnesota Commerce publishes every insurer's premium in its Medicare Supplement guide.

Medicare Supplement Plans in Minnesota: 2027 Prices

By Anthony Orner, Independent Licensed Medicare Insurance Broker · Minnesota rates pulled October 7, 2026, CSG Actuarial · coverage starting January 1, 2027

A Minnesota Medicare Supplement costs $268.06 to $365.94 a month for coverage starting January 1, 2027, from the $20/$50 Copay plan to Extended Basic, with High Deductible at $101.38 to $124.95. Minnesota law bars pricing by age or sex, and this insurer charges the same in Minneapolis, Rochester and St. Cloud.

These are the prices of the insurer we place Minnesota applications with, so the number below is the number on your quote. It is not the lowest price in the state. Minnesota does not use Plan G or Plan N; it sells its own plans, and each one is below in plain English.

Apply for a Minnesota Plan — 855-559-1700

The insurer pays the broker; your premium is the same with or without us.

Can You Get In Without Health Questions?

A few questions. Each answer is explained as you go; nothing is sent unless you ask for a call.

How old are you?

Each Minnesota Plan, Its Price, and Who It Fits

Plan	What it covers	Monthly	With 15% (window by Dec 7)	Works best for
Basic	Part A hospital coinsurance and every Medicare-eligible hospital day after the Part A deductible; skilled nursing days 21 to 100; your 20% of Part B after the Part B deductible; hospice; home health; 80% of diabetes supplies and of emergency care abroad.	$301.38	$346.59	A healthy person on a budget who could pay a Part A deductible for a hospital stay.
Basic + Part A deductible + excess riders	Everything in Basic, plus the Part A deductible and 100% of Part B excess charges. Minnesota law already bars Minnesota providers from billing above Medicare's approved amount (Minn. Stat. 62J.25) except for ambulance and medical supplies and equipment, so the excess rider matters mostly for those and for care in another state.	$355.94	$409.33	Someone who wants predictable bills: after the Part B deductible, little left to pay for Medicare-covered care. The closest thing to Plan G.
Extended Basic	The Part A deductible and coinsurance, Part B coinsurance, 80% of usual and customary costs Medicare does not cover (abroad too) with your share of them capped at $1,000 a year (Minn. Stat. 62E.07), and a $120-a-year preventive care benefit, in one plan with no riders to choose.	$365.94	$420.83	Someone who wants one plan with no riders: 80% of costs Medicare skips with a $1,000 yearly cap on their share, plus the preventive benefit.
$20/$50 Copay plan	The Part A deductible and hospital costs, skilled nursing, and all Part B cost sharing after the Part B deductible except up to $20 at an office visit and up to $50 at an ER visit (waived if you are admitted). It lists no excess charge benefit.	$268.06	$308.27	Someone healthy who sees a doctor a few times a year and will take small office and ER copays to pay less each month.
High Deductible	100% of Medicare-covered costs once you pay a yearly deductible that federal regulators index each year, with 100% of emergency care abroad.	$101.38 to $124.95	$116.59 to $143.69	Someone healthy with savings to cover the deductible in a bad year, who wants the lowest premium as protection against a large bill.

One insurer's Minnesota rate file (dated August 1, 2026), quoted for coverage starting January 1, 2027; non-tobacco. The insurer can file new rates before January; we requote before you apply. Checked in Minneapolis, Rochester and St. Cloud, and at 65 and 70: identical everywhere. Two High Deductible versions are on file; we confirm which one you can buy before you apply. Optional preventive rider on Basic: $8.83 ($10.15 with the surcharge).

Ask Which Plan Fits Me — 855-559-1700

Basic Is the Floor; Riders Make It Close to Plan G

Basic at $301.38 covers the big hospital bills but not the first one. You pay the Part A deductible ($1,736 per benefit period in 2026) each time a new benefit period starts. Excess charges are rare here: Minnesota law (Minn. Stat. 62J.25) stops providers billing a Minnesota resident above Medicare's approved amount, except for ambulance and medical supplies and equipment.

Two riders close both gaps for $54.56 a month: the Part A deductible rider ($50.23) and the excess charge rider ($4.33). That makes $355.94. Extended Basic is $10.00 more and works differently: it pays 80% of usual and customary costs Medicare does not cover, with your yearly share capped at $1,000, and it adds the preventive benefit. Extended Basic in detail.

No Minnesota plan pays the Part B deductible ($283 in 2026) for anyone eligible for Medicare since January 1, 2020. That covers nearly everyone in the 65-to-70 window; the exception is someone whose Medicare began through disability before 2020.

The Copay Plan Saves $87.88 a Month

The $20/$50 Copay plan is $268.06, $87.88 under Basic with riders, or $1,055 a year. It covers the Part A deductible, which Basic does not. In return you pay up to $20 at some office visits and up to $50 at an ER visit that does not admit you. The copays on six office visits come to at most $120, and the Part B deductible is yours. It lists no excess charge benefit, which matters little for Minnesota care: state law bars billing above Medicare's rate except for ambulance and medical supplies and equipment.

Four Common Ways In Without Health Questions

Your first six months on Part B. Any plan, no surcharge, no health questions. You can apply before Part B starts. On Medicare through disability? You get a second six months starting the month you turn 65 (Minn. Stat. 62A.31 subd. 1h(d)).
Your first year on Medicare Advantage. Joined Advantage when your Part B started, and leaving it (or it ends) within 12 months? Any plan, Extended Basic included, no health questions, no surcharge (subd. 1u(b)(6)). Dropped a Medigap policy to try Advantage for the first time? You can take that policy back if its insurer still sells it, or Basic with riders (subd. 1u(b)(5)).
The 65-to-70 window, if you have never had Medigap. Any plan the insurer sells in Minnesota. October 15 to December 7 for coverage January 1. Commerce also lists January 1 to March 31, for coverage the first of the next month, at the next year's surcharge; it follows Medicare's Advantage enrollment dates, and Commerce has not said whether someone on Original Medicare can use it. A surcharge is added for life: 15% for a 2026 enrollment, 20% for 2027. How the window works.
Your Medicare Advantage plan sends a letter saying it ends. Basic plus the Part A deductible and excess riders, $355.94, no surcharge, until 63 days after the plan stops. Blue Cross plans ending in 2027.

The window is a one-time door. Change Minnesota plans later and the new insurer can ask health questions, so pick the plan you want to keep. Age 71 and over is not eligible for the window. Healthy enough for health questions? An application approved outside the window dates carries no surcharge (Minn. Stat. 62A.31 subd. 1r(c)), and the window is still there if the insurer declines you.

$409.33 by December 7, $427.13 in January.

That is Basic with riders at 15% and at 20%, for as long as you keep the policy. Apply in the fall window and the lower figure is the one you keep.

Apply Before December 7 — 855-559-1700

How the Price Has Moved

The insurer's last 5 Minnesota filings on Basic were +12% (August 2025), -1.1% (August 2024), +9% (August 2023), +6% (August 2022), +8% (August 2021), about 38% in total. A filing moves every policy in the block, so budget for increases. The surcharge is a percentage, so it rises with the premium.

Methodology

Every price comes from the licensed CSG Actuarial API, pulled October 7, 2026, for coverage starting January 1, 2027, and renders from the Minnesota data file at build time. Nothing is typed by hand.
One insurer, the one we place Minnesota applications with. Non-tobacco, no household discount. Quoted at three ZIPs and two ages; the rate pull fails if any differ.
Surcharge prices apply Minn. Stat. 62A.31 subd. 1r: 15% for a 2026 window enrollment, 20% for 2027 (January to March and fall 2027, per Commerce Bulletin 2026-3), on premium and riders. Coverage descriptions follow Minn. Stat. 62A.315, 62A.316, 62A.3164 and 62A.3165.
Medicare deductibles and the Part B premium are 2026 CMS figures; 2027 amounts arrive from CMS in the fall.

Anthony Orner, NPN 20586791, 1309 Route 70 West, Cherry Hill, NJ 08002, 855-559-1700, licensed in Minnesota and 34 other states. MedicareYourself (EasyKind Medicare) is an independent brokerage with no affiliation to Medicare, CMS or any insurer. We do not offer every plan available in your area; contact Medicare.gov, 1-800-MEDICARE or the Minnesota Senior LinkAge Line for all options.

Minnesota Medicare Supplement Questions

Minnesota Open Enrollment, Ages 65 to 70 Plan G and Plan N in Minnesota Minnesota Extended Basic Plan Blue Cross MN Plans Ending HealthPartners and Medica Plans Ending

The same price at any age, from the insurer we quote.

Tell me how often you see a doctor and whether you get care outside Minnesota. I'll tell you which plan fits, and we can help you apply.

Call to Apply in Minnesota — 855-559-1700