Minnesota Plan N

Compare Medicare Supplement Plan N Rates in Minnesota (2026–2027)

Compare Minnesota’s plan with $20 and $50 copayments. Review premiums, coverage, and enrollment protections before choosing a policy.

Office Copay

Up to $20

ER Copay

Up to $50

Medigap Plan

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What Does Plan N Cover?

Minnesota has its own Medigap standardization. Its Plan N version helps cover Original Medicare cost sharing, with a Part B deductible, applicable copayments, and other exclusions.

BenefitPlan N

Part A hospital coinsurance and additional hospital days, within policy limits

Part B coinsurance, except applicable office and ER copayments

Part A hospice care coinsurance or copayment

Part A hospital deductible

Annual Part B deductible

Part B excess charges

Blood (first 3 pints)

Skilled nursing facility coinsurance for qualifying care

Foreign travel emergency (80%, subject to deductible and policy limits)

Know your share: You pay the Part B deductible and applicable copayments. The ER copayment is waived when you are admitted as an inpatient. Excess charges are not covered. See the Minnesota Plan N outline of coverage for benefits and limits.

Plan N Rates in Minnesota: Published Example

HealthPartners publishes the following Minnesota Plan N base premiums for January 1–December 31, 2027. This is one carrier example, not a market ranking or a personalized quote.

Carrier	Rate category	Plan N Monthly	Basis
HealthPartners	Standard	$209.70/mo	Published base premium
HealthPartners	Tobacco	$241.20/mo	Published tobacco premium

Source: HealthPartners 2027 outline of coverage. Enrollment surcharges can apply; these are base rates. Confirm your eligibility, effective date, and final premium with the insurer.

See Plan N Rates in Your ZIP Code

Enter your ZIP code to start comparing Plan N options in Minnesota. Confirm your premium and enrollment eligibility with a licensed agent.

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How to Find the Cheapest Plan N in Minnesota

Compare the Minnesota policy benefits, total annual costs, premium history, and any applicable discounts. Ask for quotes with the same effective date and verify whether an enrollment surcharge is included.

Pricing Methods in Minnesota

Review the insurer’s Minnesota rating rules and your final quoted premium. Your enrollment pathway, tobacco status, and geographic area can affect what you pay.

- Ask whether your quote includes all applicable surcharges
- Ask about previous rate changes and future renewal pricing
- Compare total annual costs, including your expected copayments
- Do not assume the lowest starting premium stays lowest

Discounts That Lower Your Premium

Household discount: Ask whether the insurer offers a household discount in Minnesota and who must qualify.

Payment mode discount: Ask whether payment frequency or automatic payments change your quoted premium.

Loyalty discount: Ask whether any available discount expires or changes at renewal.

Plan N vs. Basic in Minnesota: Compare Benefits

Minnesota Basic can be customized with riders. Compare its complete benefits and rider costs with the $20/$50 copayment plan using the actual outlines of coverage.

Feature	Basic	Plan N
Plan structure	Basic benefits with optional riders	Minnesota $20/$50 copayment plan
Part A deductible	Optional rider	Covered
Part B coinsurance	Covered	Covered except applicable copayments
Office / ER copayments	No Plan N-style copayments	Up to $20 / $50
Part B deductible	Rider restricted to people Medicare-eligible before 2020	Not covered
Part B excess charges	Optional rider	Not covered

Compare the full policy: Include any Basic riders in the premium comparison. Plan N’s copayments may change your total cost depending on how you use care. The carrier’s benefit comparison lists the differences; confirm the policy available to you.

Minnesota Medigap Rules You Need to Know

Initial Enrollment Protection

Minnesota’s initial protection lasts six months beginning with your first month of Part B, including for people under 65. Confirm your personal dates before applying.

First-Time Buyer Protection

Ages 65–70 buying Medigap for the first time may qualify for the new annual guaranteed-issue protection. Fall applications run October 15–December 7 for January 1 coverage. Confirm eligibility for the January–March window.

Enrollment Surcharges

Outside initial Part B enrollment, the new first-time buyer pathway carries a lifetime surcharge: 15% for enrollment in 2026 or 20% in 2027. Fall 2026 enrollment for January 2027 coverage uses 15%.

Switching an Existing Policy

The new protection is for first-time Medigap buyers. Switching existing Medigap coverage generally requires underwriting unless another protection applies. Confirm which plans your specific guaranteed-issue right permits.

Sources: Minnesota Commerce and Bulletin 2026-3.

How to Enroll in Plan N in Minnesota

Confirm you have Medicare Part A and Part B

You must be enrolled in both Medicare Part A and Part B before you can purchase a Medigap plan. If you are turning 65, make sure your Part B enrollment is active.

Compare rates from multiple carriers

Compare current Minnesota quotes, discounts, and complete policy benefits. Use the same coverage date for each quote.

Apply during your open enrollment period

Check your initial enrollment window or other guaranteed-issue protection. Confirm whether underwriting or an enrollment surcharge applies.

Coordinate your coverage dates

Confirm policy acceptance and the effective date before canceling existing coverage. Coordinate any Medicare Advantage disenrollment and separate Part D enrollment.

Compare Plan N Rates in Minnesota

Frequently Asked Questions: Plan N in Minnesota

Compare Plan N Options in Your Area

Compare your available Minnesota Plan N options, review the final premium, and confirm your enrollment rights before making a choice.