Medicare Supplement Plan N in Minnesota: 2026 Rates and Guide

This guide covers Medicare Supplement Plan N in Minnesota: 2026 average premiums by age, the copay structure you'll pay, how Plan N compares to Plan G in Minnesota, and step-by-step enrollment guidance.

Plan N Coverage Overview

Medicare Supplement Plan N provides broad coverage at premiums typically 15–25% lower than Plan G. The trade-off: you pay small copayments for certain doctor and emergency room visits, and Plan N does not cover Part B excess charges.

Plan N benefits are federally standardized; every insurer selling Plan N in Minnesota must provide identical coverage. The only differences between insurers are the monthly premium and their premium increase track record.

What Plan N Covers

• Part A coinsurance & hospital costs (up to 365 days after Medicare): ✓ Fully covered
• Part A deductible ($1,736 in 2026): ✓ Fully covered
• Part A hospice care coinsurance or copayment: ✓ Fully covered
• Part B coinsurance or copayment (20% of outpatient costs): ✓ Fully covered (Up to $20 copay for some office visits; up to $50 ER copay if not admitted)
• Part B deductible ($283 in 2026): ✗ Not covered (you pay this cost)
• Part B excess charges (above Medicare-approved amount): ✗ Not covered (you pay this cost)
• Skilled nursing facility care coinsurance: ✓ Fully covered
• Foreign travel emergency coverage (up to plan limits): ✓ Fully covered

Source: CMS standardized Medigap benefit chart. CMS Publication 02110.

Understanding Plan N Copayments

Plan N's lower premium comes with two types of cost-sharing to understand before enrolling:

Breakeven analysis for Minnesota: At ~$32/month premium savings, Plan N saves $$384/year vs Plan G. If you have 10 doctor visits per year (worst case: 10 × $20 = $200 in copays) plus the $283 Part B deductible, your net savings would still be approximately $breakeven/year. Plan N is typically better value unless you have very frequent doctor visits.

Plan N Premiums in Minnesota by Age (2026)

Premiums for Plan N in Minnesota vary by insurer, age, gender, and tobacco use. Estimates below are for a non-smoking female. Men typically pay 5–10% more.

* Estimates use typical progression factors for community-rated states. Minnesota uses community rating; premiums are the same regardless of age at enrollment. Verify current rates at Medicare.gov.

Minnesota Medigap Rating Rules: Community Rating

Minnesota requires community rating: all policyholders pay the same premium regardless of age. Your Plan N premium won't automatically increase just because you get older, although it may increase due to general medical cost trends. This is a meaningful advantage in Minnesota compared to attained-age states.

Minnesota Plan N Costs in Context

At an estimated $130/month for a 65-year-old, Plan N in Minnesota ranks #37 of 51 among states and DC from lowest to highest cost, sitting 18% above the national median of $110/month in our dataset. Minnesota is home to about 1,120,000 Medicare beneficiaries (#22 by enrollment), so the number of active insurers can be more limited than in the largest states.

Minnesota uses community rating, so everyone in the state pays the same premium for the same plan regardless of age. The figure shown here should stay comparable whether you enroll at 65 or later, apart from general premium trends.

Plan G vs Plan N break-even in Minnesota

Plan N costs about $32 less per month than Plan G here, or roughly $384 a year. Because Plan N can charge up to $20 per office visit and up to $50 per emergency room visit that does not lead to admission, that saving is used up after about 19 office visits or 7 ER visits in a year (the copays are maximums, so real-world break-even is often a little higher). Plan N also does not cover Part B excess charges.

Totals add twelve months of the estimated age-65 premium to the $283 Part B deductible (2026) that both plans leave to you, plus Plan N copays at their maximum. They exclude Part B premiums and Part D. Actual quotes vary by insurer, age, gender, and tobacco use.

How Minnesota compares with nearby states

Other Midwest states with similar Plan G pricing, for comparison:

Top Plan N Insurers in Minnesota

Leading insurers offering Medicare Supplement Plan N in Minnesota include: UCare, Blue Plus, Medica.

Since Plan N coverage is identical across insurers, focus your comparison on:

• Current monthly premium (get quotes from all)
• Annual premium increase history for Plan N in Minnesota
• A.M. Best financial strength rating (look for A- or better)
• NAIC complaint ratio (lower is better)

How to Enroll in Plan N in Minnesota

1. Confirm you're enrolled in Medicare Parts A and B. You must have both to be eligible for any Medigap plan.
2. Enroll during your Open Enrollment Period: the 6-month window starting when you're both age 65 and enrolled in Part B. Guaranteed issue rights apply: no insurer in Minnesota can deny you Plan N or charge more based on health.
3. Get quotes from multiple insurers. Use Medicare.gov Plan Finder or a licensed broker who represents multiple companies in Minnesota.
4. Confirm your doctors accept Medicare assignment. Since Plan N doesn't cover excess charges, verify that your regular doctors and specialists accept Medicare assignment before enrolling.
5. Add a Part D drug plan. Plan N does not cover prescription drugs; enroll in a separate Part D plan during your Initial Enrollment Period to avoid late enrollment penalties.