Which Blue Cross Minnesota Medicare Advantage plans end in 2027?

CMS's 2027 Service Area Reduction file lists these plan IDs as not offered anywhere in 2027: H5959-009 Blue Cross Medicare Advantage Choice; H5959-010 Blue Cross Medicare Advantage Complete; H5959-011 Blue Cross Medicare Advantage Complete; H5959-012 Blue Cross Medicare Advantage Core; H5959-013 Blue Cross Medicare Advantage Core; H5959-014 Blue Cross Medicare Advantage Choice; H5959-015 Blue Cross Medicare Advantage Comfort; H5959-016 Blue Cross Medicare Advantage Comfort. Blue Cross Medicare Advantage Freedom Blue (PPO) continues but leaves 31 counties. The plan ID is on your member card and your plan letter.

Can I get a Medicare Supplement if my Blue Cross Advantage plan ends?

Yes. Minnesota law gives you a guaranteed right to the Basic plan plus the Part A deductible and excess charge riders, from any insurer, with no health questions and no surcharge (Minn. Stat. 62A.31 subd. 1u). It needs a termination notice (a letter moving you into another plan usually does not count) and runs until 63 days after the plan ends: March 4, 2027 for a plan ending December 31, 2026. The plans we quote price it at $355.94 a month. Joined this plan when your Part B started, under 12 months ago? Then any plan is guaranteed, Extended Basic included, with no surcharge (subd. 1u(b)(6)).

Does Blue Cross MN sell Medicare Supplement plans?

Blue Cross sells Minnesota Medicare Supplements separately from its Advantage plans. The guaranteed right above is not tied to Blue Cross: Minnesota lets you take the Basic plan with riders from any insurer that sells it.

I am 67 and my Blue Cross plan is ending. Which route is better?

Price both. The Advantage-loss right gives Basic with riders at $355.94, no surcharge. The 65-to-70 window gives any plan with a 15% surcharge if you apply by December 7: the Copay plan is $308.27, Extended Basic $420.83. So the Copay plan through the window is $47.67 a month cheaper than Basic with riders through the right, if you can live with office and ER copays. Healthy enough for health questions? An application approved outside the window dates carries no surcharge; apply while your 63-day right is open, so a decline still leaves you Basic with riders.

Do I need a Part D plan if I leave Blue Cross Medicare Advantage for Medigap?

Yes, if your Advantage plan covered drugs. A Medicare Supplement does not. Pick a stand-alone Part D plan in the same October 15 to December 7 period so both start January 1. The 2026 Part D out-of-pocket cap was $2,100; CMS sets 2027's.

Blue Cross MN Medicare Advantage Plan Ending in 2027?

By Anthony Orner, Independent Licensed Medicare Insurance Broker · plan list from the CMS CY2027 Service Area Reduction (SAR) file · prices from CSG Actuarial, pulled October 7, 2026

CMS lists 8 Blue Cross and Blue Shield of Minnesota Medicare Advantage plan IDs as not offered anywhere in 2027. The widest 3 each covered 51 counties. If your plan is on the list and your letter says it ends December 31, 2026, Minnesota law lets you buy a Medicare Supplement with no health questions until March 4, 2027. A letter that moves you into another Blue Cross plan is not the same thing; read me yours if you are unsure.

That right covers the Basic plan with the Part A deductible and excess charge riders: $355.94 a month in the plans we quote, with no surcharge. If you are 65 to 70 and have never had Medigap, the new state window opens every Minnesota plan to you instead, at 15% more. Joined this plan when your Part B started, less than 12 months ago? Then every plan is already open to you with no surcharge (subd. 1u(b)(6)). Dropped a Medigap policy to try Advantage for the first time? You can take it back if its insurer still sells it (subd. 1u(b)(5)).

My Blue Cross Plan Is Ending — 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?

The 8 Blue Cross Plan IDs Ending

Plan ID	Plan name	Minnesota counties
H5959-009	Blue Cross Medicare Advantage Choice (PPO)	10 Blue Earth, Faribault, Fillmore, Houston, Martin, Mower, Nicollet, Steele, Waseca, Winona
H5959-010	Blue Cross Medicare Advantage Complete (PPO)	51 Anoka, Becker, Beltrami, Benton, Big Stone, Brown, Carver, Cass, Chippewa, Chisago, Clay, Clearwater, Cottonwood, Crow Wing, Dakota, Douglas, Grant, Hennepin, Hubbard, Isanti, Jackson, Kandiyohi, Kittson, Lac qui Parle, Lake of the Woods, Lincoln, Lyon, Mahnomen, Marshall, Morrison, Murray, Nobles, Norman, Otter Tail, Pennington, Polk, Pope, Ramsey, Red Lake, Redwood, Renville, Roseau, Scott, Sherburne, Stearns, Swift, Todd, Wadena, Washington, Wilkin, Wright
H5959-011	Blue Cross Medicare Advantage Complete (PPO)	15 Blue Earth, Dodge, Faribault, Fillmore, Freeborn, Houston, Martin, Mower, Nicollet, Olmsted, Steele, Wabasha, Waseca, Watonwan, Winona
H5959-012	Blue Cross Medicare Advantage Core (PPO)	10 Blue Earth, Faribault, Fillmore, Houston, Martin, Mower, Nicollet, Steele, Waseca, Winona
H5959-013	Blue Cross Medicare Advantage Core (PPO)	51 Anoka, Becker, Beltrami, Benton, Big Stone, Brown, Carver, Cass, Chippewa, Chisago, Clay, Clearwater, Cottonwood, Crow Wing, Dakota, Douglas, Grant, Hennepin, Hubbard, Isanti, Jackson, Kandiyohi, Kittson, Lac qui Parle, Lake of the Woods, Lincoln, Lyon, Mahnomen, Marshall, Morrison, Murray, Nobles, Norman, Otter Tail, Pennington, Polk, Pope, Ramsey, Red Lake, Redwood, Renville, Roseau, Scott, Sherburne, Stearns, Swift, Todd, Wadena, Washington, Wilkin, Wright
H5959-014	Blue Cross Medicare Advantage Choice (PPO)	51 Anoka, Becker, Beltrami, Benton, Big Stone, Brown, Carver, Cass, Chippewa, Chisago, Clay, Clearwater, Cottonwood, Crow Wing, Dakota, Douglas, Grant, Hennepin, Hubbard, Isanti, Jackson, Kandiyohi, Kittson, Lac qui Parle, Lake of the Woods, Lincoln, Lyon, Mahnomen, Marshall, Morrison, Murray, Nobles, Norman, Otter Tail, Pennington, Polk, Pope, Ramsey, Red Lake, Redwood, Renville, Roseau, Scott, Sherburne, Stearns, Swift, Todd, Wadena, Washington, Wilkin, Wright
H5959-015	Blue Cross Medicare Advantage Comfort (PPO)	11 Anoka, Carver, Chisago, Dakota, Hennepin, Isanti, Ramsey, Scott, Sherburne, Washington, Wright
H5959-016	Blue Cross Medicare Advantage Comfort (PPO)	40 Becker, Beltrami, Benton, Big Stone, Brown, Cass, Chippewa, Clay, Clearwater, Cottonwood, Crow Wing, Douglas, Grant, Hubbard, Jackson, Kandiyohi, Kittson, Lac qui Parle, Lake of the Woods, Lincoln, Lyon, Mahnomen, Marshall, Morrison, Murray, Nobles, Norman, Otter Tail, Pennington, Polk, Pope, Red Lake, Redwood, Renville, Roseau, Stearns, Swift, Todd, Wadena, Wilkin

CMS CY2027 Service Area Reduction (SAR) file, Minnesota rows, "Plan terminated: Plan ID not offered anywhere in 2027." A plan name can repeat under two IDs; match the ID on your card.

Blue Cross Medicare Advantage Freedom Blue (PPO) (H5959-018) continues in 2027 but leaves 31 counties: Beltrami, Blue Earth, Brown, Chippewa, Cottonwood, Crow Wing, Dodge, Fillmore, Freeborn, Jackson, Lac qui Parle, Lake of the Woods, Lincoln, Lyon, Mahnomen, Martin, Mower, Murray, Nobles, Norman, Olmsted, Pennington, Polk, Pope, Red Lake, Redwood, Steele, Wabasha, Wadena, Waseca, Watonwan. If you live in one of them, the same rights apply.

Two Routes to a Medicare Supplement

	Advantage plan ending	65-to-70 window
Who	Any age, if your plan ends	Ages 65 to 70, never had Medigap
Plans	Basic, plus Part A deductible and excess riders	Any Minnesota plan
Surcharge	None	15% for life (by Dec 7, 2026)
Deadline	March 4, 2027 (63 days after coverage ends)	December 7, or January to March at a higher rate
Price we quote	$355.94 Basic with riders	$308.27 Copay plan · $409.33 Basic with riders · $420.83 Extended Basic

Minn. Stat. 62A.31 subd. 1u(b)(2), 1u(c) and 1u(e)(1) for the Advantage-loss right; subd. 1h(a)(2) and 1r(c) for the window. Prices: one insurer, coverage starting January 1, 2027, non-tobacco, same at any age, not the market low.

The Window Can Be $47.67 Cheaper

A surcharge sounds like the worse deal, but the Copay plan through the window, $308.27 with the 15%, comes in under Basic with riders through the Advantage-loss right at $355.94. That is $572 a year. The cost is copays at the office and the ER.

For Extended Basic, which pays 80% of costs Medicare skips with a $1,000 yearly cap on your share and adds a preventive benefit, the window is the usual way in without health questions: $420.83. The 12-month rule above opens it with no surcharge. Extended Basic in detail. If you are 71 or older, the Advantage-loss right is usually your route: Basic and its riders, unless the 12-month rule applies to you.

Apply before December 31 and nothing lapses.

The right lasts until March 4, 2027, but a Medicare Supplement that starts in February leaves January uncovered. Have your plan letter in hand when you call.

Price Both Routes for Me — 855-559-1700

Eligible for Medicare Before 2020? One More Rider

Anyone eligible for Medicare before January 1, 2020 can add the Part B deductible rider to Basic, $23.57 a month in the plans we quote, which makes $379.51. That covers the $283 Part B deductible (2026). Anyone who turned 65, or got Medicare through disability, before 2020 qualifies; nobody eligible since 2020 can buy it.

What to Do This Fall

Find the plan ID on your card or letter and check it against the table.
Keep the termination letter. Minnesota requires proof of the date your plan ends with the Medigap application.
Decide: another Advantage plan, or Original Medicare with a Medicare Supplement and a Part D plan.
For Medigap, apply between October 15 and December 7 so it starts January 1 with your Part D plan.

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, Blue Cross and Blue Shield of Minnesota 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.

Blue Cross MN Plan Ending: Questions

Minnesota Plans and Prices Minnesota Open Enrollment, Ages 65 to 70 HealthPartners and Medica Plans Ending

$355.94 with no surcharge, or any plan at 15% more.

Read me your plan ID and your birth year and I'll tell you which route you have, then we can help you apply.

Call About My Blue Cross Plan — 855-559-1700