Updated July 2, 2026
Minnesota, like Massachusetts, does not use the standard A-through-N plan letters that most states follow. The Minnesota Department of Commerce requires insurers to offer a Basic plan and an Extended Basic plan instead. If you have been comparing Medigap in other states, the plan names here will look different.
Basic vs Extended Basic in Minnesota
The Basic plan covers a defined set of Medicare cost-sharing gaps. Extended Basic adds additional benefits on top of that foundation, most notably coverage for the Medicare Part A and Part B deductibles. Neither corresponds exactly to a lettered plan, so comparing across state lines requires care. Average premiums for comparable coverage run around $145 per month, but actual quotes depend on which plan type you choose and the insurer's rating method. The plan comparison page and the Medigap cost calculator can help you get oriented before you start collecting carrier quotes.
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Things to Know About Medigap Enrollment in Minnesota
Federal enrollment rules still apply. You have a 6-month Open Enrollment Period that begins when you are 65 or older and Part B goes active. Insurers cannot use your health history against you during this window. After it closes, they can apply medical underwriting in most circumstances. The open enrollment calculator shows your exact dates. If Medicare Advantage is also on your list, the Medigap vs Advantage calculator breaks down the tradeoffs by annual healthcare use.
FAQs
How much does Medigap Plan G cost in Minnesota?
Plan G premiums in Minnesota run around $145 a month for most new enrollees, though your exact rate depends on your age, sex, tobacco use and the insurer you choose.
Can I switch Medigap plans later if I start in Minnesota?
You can apply to switch carriers or plan letters at any time, but outside a guaranteed-issue event most insurers in Minnesota will medically underwrite that new application.