Medicare Advantage plans in Clay, MN, 2027
Clay, Minnesota has 12 Medicare Advantage plans open to everyone for 2027 (14 in 2026) and 3 special needs plans, according to the CMS landscape files; 2 of the open plans have a $0 premium. 8 plans that served the county in 2026 end or leave it, with 3,404 members living here in September 2026.
What changes in Clay for 2027?
| In the county | 2026 | 2027 | Change |
|---|---|---|---|
| Plans open to everyone | 14 | 12 | ▼down 2 |
| Special needs plans | 3 | 3 | no change |
| Plans with a $0 premium | 6 | 2 | ▼down 4 |
| Plans that lower the Part B premium | 4 | 2 | ▼down 2 |
| Median out-of-pocket limit | $5,200 | $7,150 | ▲up $1,950 |
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision); CMS plan benefit package files, 2027 and 2026.
Which plans can anyone in Clay join?
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| Medica Prime Solution StandardH2450-044 · Cost | not filed | $7,150 | none | 3.5 of 5 |
| AARP Medicare Advantage Patriot No Rx FG-MA01H2001-124 · PPO | $0 | $5,900 | $170 | 4.5 of 5 |
| Blue Cross Medicare Advantage Freedom BlueH5959-018 · PPO | $0 | $6,900 | $145 | 4.5 of 5 |
| Blue Cross Medicare Advantage EssentialH5959-023 · PPO | $10 | $9,850 | none | 4.5 of 5 |
| AARP Medicare Advantage from UHC FG-0001H2001-118 · PPO | $24.60 | $7,150 | none | 4.5 of 5 |
| Align SecureChoiceH3186-002 · PPO | $35 | $9,850 | none | 3.5 of 5 |
| AARP Medicare Advantage from UHC FG-0002H2001-119 · PPO | $52 | $7,150 | none | 4.5 of 5 |
| Medica Prime Solution ThriftH2450-030 · Cost | $53 | $7,150 | none | 3.5 of 5 |
| Align SecureChoice GoldH3186-001 · PPO | $112 | $7,150 | none | 3.5 of 5 |
| Medica Prime Solution BasicH2450-032 · Cost | $114 | $5,900 | none | 3.5 of 5 |
| Blue Cross Medicare Advantage SelectH5959-024 · PPO | $165 | $6,900 | none | 4.5 of 5 |
| Medica Prime Solution EnhancedH2450-033 · Cost | $223 | $4,450 | none | 3.5 of 5 |
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision); CMS plan benefit package files, 2027 and 2026. Stars are the contract's 2026 rating. confirm on Medicare Plan Finder.
Which plans leave Clay in 2027?
Members of these plans here choose a 2027 plan during open enrollment, October 15 to December 7, 2026; choosing by December 31 means no gap; because their plan is leaving the county, they can still join until the end of February 2027, with coverage from the first of the next month. Each plan's page says what happens to its members.
| 2026 plan | Members here, Sept. 2026 | For 2027 |
|---|---|---|
| Blue Cross Medicare Advantage ChoiceH5959-014 | 1,345 | Not offered |
| Medica Advantage SolutionH8889-002 | 530 | Leaves the county |
| Blue Cross Medicare Advantage ComfortH5959-016 | 528 | Not offered |
| Blue Cross Medicare Advantage CoreH5959-013 | 505 | Not offered |
| Medica Advantage SolutionH8889-005 | 336 | Leaves the county |
| Blue Cross Medicare Advantage CompleteH5959-010 | 104 | Not offered |
| Medica Advantage SolutionH8889-009 | 31 | Leaves the county |
| AARP Medicare Advantage from UHC FG-0003H2001-120 | 25 | Not offered |
Source: CMS plan crosswalk from 2026 to 2027 (Oct. 1, 2026); CMS monthly enrollment by plan and by county, September 2026 (CMS hides counts under 11); CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).
Which special needs plans are sold here?
Open only to people with Medicaid as well as Medicare, with certain chronic conditions, or living in an institution.
| Plan | Who can join | Premium |
|---|---|---|
| SecureBlueH2425-001 | Dual-Eligible | $0 |
| UHC Complete Care Support FG-5H2001-135 | Chronic or Disabling Condition | $19.60 |
| Medica DUAL SolutionH2458-002 | Dual-Eligible | $24.60 |
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).
How many people in Clay use Medicare Advantage?
5,379 of the county's 11,678 people with Medicare were in a Medicare Advantage plan in September 2026, 46.1%; in Minnesota as a whole the share is 57.1%.
Source: CMS Medicare Advantage state and county penetration, September 2026.
What else should you check?
- Medicare Advantage in MinnesotaEvery county of the state
- 9 stand-alone drug plans in MinnesotaIf you keep Original Medicare
- Is your plan ending?Every plan not offered in 2027