Medigap plans in Minnesota
We track the rules that matter when you compare or switch Medigap plans in Minnesota: how premiums are rated, whether the state adds switching protections on top of the federal baseline, and whether carriers must sell to people under 65.
In Minnesota, Medigap follows the federal baseline. After your 6-month Medigap Open Enrollment Period, carriers can use medical underwriting unless a federal guaranteed-issue right applies.
Minnesota Medigap rules at a glance
| Standardized plans | Minnesota uses a state-specific Basic and Extended Basic structure, with optional riders, instead of the federal Plan A-N letters. |
|---|---|
| Rating method | Attained-age rated |
| State switching rule | Federal baseline only |
| Under-65 access | State mandates carrier access |
Source: NAIC Medicare Supplement Insurance Model Regulation (#651) and the Minnesota Department of Insurance. Always confirm current rules with your state DOI or SHIP before applying.
How pricing works in Minnesota
Most carriers in this state use attained-age rating, so premiums rise as you get older. Issue-age and community-rated policies may also be offered.
A community-rated plan charges the same monthly premium regardless of age. Issue-age plans lock your premium based on the age you bought in. Attained-age plans start lower in your 60s and rise as you get older. Over a 20-year horizon, the rating method usually matters more than the plan letter.
Switching Medigap plans in Minnesota
Federal law gives you a 6-month Medigap Open Enrollment Period that starts the month your Part B begins. During that window any Medigap carrier in Minnesota must sell to you with no medical underwriting. After it closes, federal guaranteed-issue rights only trigger in specific situations (for example, when your employer plan ends or a Medicare Advantage plan leaves your area).
Minnesota does not currently add a state-level birthday or anniversary rule. If you want to switch outside a federal guaranteed-issue right, expect underwriting.
We walk through the federal switching mechanics in our guide on leaving Medicare Advantage, and compare the most popular Medigap plan letters in Plan G vs Plan N.
People under 65 in Minnesota
Minnesota requires Medigap availability for people under 65 on Medicare.
See our overview of Medicare on disability for how the 24-month waiting period and SSDI interact with state Medigap rules.
Frequently asked questions
- What Medigap plans are sold in Minnesota?
- Minnesota uses a state-specific Medigap structure rather than the federal Plan A through Plan N letters. Minnesota uses a state-specific Basic and Extended Basic structure, with optional riders, instead of the federal Plan A-N letters.
- Can I switch Medigap plans in Minnesota without medical underwriting?
- Minnesota follows the federal baseline. Outside of your Medigap Open Enrollment Period or a federal guaranteed-issue right, carriers can use medical underwriting.
- How are Medigap premiums priced in Minnesota?
- Most carriers in this state use attained-age rating, so premiums rise as you get older. Issue-age and community-rated policies may also be offered.
- Can people under 65 buy Medigap in Minnesota?
- Minnesota requires Medigap availability for people under 65 on Medicare.
Compare other states
Related guides
Confirm your Medigap window in Minnesota
Your 6-month Medigap Open Enrollment Period is tied to your Part B effective date. We'll calculate it from your date of birth.
Educational resource. Not legal, tax, or insurance advice. Always confirm specifics with Medicare.gov, your State Health Insurance Assistance Program, or the Minnesota Department of Insurance.