Plan year 2027 · Medicare AdvantageCMS files of Sept. 22 and Oct. 1, 2026

Align SecureChoice, 2027

H3186Contract002Plan

PPO · 19 counties in Minnesota

Run by Sanford Health Plan of Minnesota (contract H3186), sold as Align powered by Sanford Health Plan, owned by Sanford Health

Renews for 2027

2026 star rating, contract H3186: 3.5 of 5

Align SecureChoice (H3186-002) costs $35 a month in 2027, up $35 from 2026, with an in-network out-of-pocket limit of $9,850 ($4,800 in 2026). In 2026 it was called Align ChoicePlus.

What changes from 2026 to 2027?

The changed lines are marked and come first. In-network amounts; members keep paying the Part B premium unless the plan reduces it.
What you pay or get	2026	2027	Change
Plan name	Align ChoicePlus	Align SecureChoice	renamed
Monthly premium	$0	$35	up $35
In-network out-of-pocket limit	$4,800	$9,850	up $5,050
Drug deductible	$450	$500	up $50
Specialist visit	$0 copay	$50 copay	up $50
Emergency room	$120 copay	$115 copay	down $5
Hospital stay, in network	$300 a day for days 1–5, then $0 a day for days 6–90	$520 a day for days 1–4, then $0 a day for days 5–90	up $580for a 5-day stay
Skilled nursing facility, in network	not filed	$0 a day for days 1–20, then $221 a day for days 21–100	changed
Ground ambulance, in network	$240 copay	$350 copay	up $110
Comprehensive dental, yearly limit	$750 a year	not offered	dropped
Eyewear, yearly limit	$100 a year	not offered	dropped
Hearing aids, yearly limit for both ears	$700 a year	not offered	dropped
Over-the-counter items, yearly	$280 a year	$120 a year	down $160
Drug tier 1, preferred generic	$2	$0	down $2
Drug tier 2, generic	$10	$8	down $2
Drug tier 3, preferred brand	$47	25% of the cost	changed
Drug tier 4, non-preferred drug	50% of the cost	30% of the cost	down 20 points
6 lines do not change
Part B premium reduction, monthly	none	none	no change
Primary care visit	$0 copay	$0 copay	no change
Medical deductible, in network	none	none	no change
Counties served	19	19	no change
Drug tier 5, specialty tier	27% of the cost	27% of the cost	no change
Drug tier 6, select care drugs	$0	$0	no change

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; CMS plan crosswalk from 2026 to 2027 (Oct. 1, 2026). Plan details can change during the year; confirm on Medicare Plan Finder.

What will prescriptions cost?

Your share for a 30-day supply at a retail pharmacy, as filed with CMS; tiers whose share changes are marked
Tier	What the tier holds	2026	2027
Tier 1	Preferred Generic	$2	$0
Tier 2	Generic	$10	$8
Tier 3	Preferred Brand	$47	25% of the cost
Tier 4	Non-Preferred Drug	50% of the cost	30% of the cost
Tier 5	Specialty Tier	27% of the cost	27% of the cost
Tier 6	Select Care Drugs	$0	$0

Source: CMS plan benefit package files, 2027 and 2026. Insulin is capped at $35 a month by law. A drug's tier is set by the plan's formulary.

How does it compare with plans sold where it is?

In the counties it serves, 26 plans open to everyone are sold for 2027, this one included. Against the others, 24 plans have a lower out-of-pocket limit, 1 the same. On the premium, 6 plans have a lower premium, 17 a higher one.

Out-of-pocket limits of the 26 plans open to everyone

$0 to under $2,0000 plans

$2,000 to under $4,0004 plans

$4,000 to under $6,0005 plans

$6,000 to under $8,00015 plans

$8,000 to $10,000 (this plan)2 plans

Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).

Where is it sold, and what does it cost there?

The premium and the out-of-pocket limit are the same in all 19 counties: $35 a month and $9,850.

Minnesota

Becker Beltrami Big Stone Clay Clearwater Hubbard Lac qui Parle Mahnomen Marshall Nobles Norman Otter Tail Pennington Pipestone Polk Red Lake Rock Traverse Wilkin

Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).

Who runs this plan?

Plan ID: H3186-002
Legal name of the contract: Sanford Health Plan of Minnesota
Sold as: Align powered by Sanford Health Plan
Parent company: Sanford Health
Plan type: PPO
2026 star rating of the contract: 3.5 of 5 overall; health plan 4 of 5, drug plan 2.5 of 5
Members, September 2026: 1,891
Plan website, as filed with CMS: www.align.sanfordhealthplan.com

Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision); CMS 2026 Star Ratings (October 2025); CMS monthly enrollment by plan and by county, September 2026 (CMS hides counts under 11). CMS publishes the 2027 Star Ratings in October 2026.

What else should you check?

Other 2027 plans in Otter Tail, MNWhere most of its members live; premiums and limits side by side
Every Align powered by Sanford Health Plan plan for 2027Its contracts, counties and plans that end
The other 1 plan of contract H3186Same company, same contract
Is your prescription covered?Coverage share and tier for 2,259 drugs

Data, not advice. These are the plan's filed amounts, not a quote for you; confirm on Medicare Plan Finder or call the plan before you enroll.