The rising cost of health insurance has become a pressing concern for Minnesotans enrolled in Medicare plans, as new data from the U.S. Centers for Medicare & Medicaid Services (CMS) reveals significant changes for 2026. Following the announcement by the nonprofit insurer UCare that it will discontinue its “Medicare Advantage” plans next year, approximately 158,000 residents, primarily seniors, will have to seek alternative insurance options. Open enrollment will start on October 15, prompting many to reassess their healthcare choices.
Kelli Jo Greiner, a health care policy analyst with the Minnesota Board on Aging and the Minnesota Department of Human Services, emphasized the primary worry among beneficiaries: the ability to retain their current healthcare providers. “People are asking, of course, ‘Does my provider participate?’ Because they don’t want to have to go with a plan where they’re required to change providers, and that is a huge concern for them,” Greiner stated.
In a recent interview, Greiner elaborated on the uncertainty that beneficiaries face. She noted that once individuals enroll in a new plan, there’s no guarantee their chosen provider will remain within that network by the start of the new year. Providers can opt out of participating in specific plans between the open enrollment period and January 1, making the situation precarious for many enrollees.
Despite these concerns, Greiner assured that certain terms would remain consistent after selecting a new plan. Monthly premiums and out-of-pocket costs will remain fixed once a plan is chosen, but the overall context is worrisome. She reported that the average premium for Medicare plans in Minnesota has jumped by about 18% this year, marking a significant increase that compounds the financial burden on seniors.
Jean Abraham, a professor in the University of Minnesota’s Health Policy and Management program, attributed the rise in premiums largely to inflation. Furthermore, she pointed out that the exit of an insurer like UCare can negatively affect competition in the local health insurance market, resulting in higher premiums and reduced benefits. The trend of insurers reevaluating supplemental benefits—such as vision care, dental coverage, and gym discounts—could lead to less generous offerings.
Still, both Greiner and Abraham urged beneficiaries to explore the various options available for 2026. “There are viable options for many Medicare beneficiaries, maybe not for everybody,” Greiner said, emphasizing the importance of reviewing alternatives to avoid surprises once the new year begins. She noted that many individuals neglect this essential step of plan comparison, which can lead to unexpected costs and issues.
To assist residents in navigating the complex landscape of Medicare options, Greiner and Abraham highlighted a couple of valuable resources. They recommended calling Minnesota Aging Pathways at 1-800-333-2433 for personalized assistance. Additionally, Medicare.gov offers a comprehensive online tool that enables users to compare their existing plans with the new options available for the upcoming year, helping them make informed decisions in light of these changes.
