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Medicare plans in Clearwater County, MN — 2027
What agents look up before working a county: plan count, carriers, $0-premium share, star distribution, MOOP range, the 65+ and 60–64 population, and what changed since last year.
In 2027, Clearwater County, Minnesota has 16 Medicare plans (4 Medicare Advantage with drug coverage, 1 without, 9 standalone Part D, 2 Special Needs) from 8 carriers. 1 Medicare Advantage plan has a $0 premium. The lowest in-network out-of-pocket maximum is $6,900.
What changed vs 2026
- 8 fewer plans than 2026
- Carriers exited: Aetna Medicare, Blue Plus, Medica
- $0-premium plans down 4
- Average star rating up 0.1
Market snapshot
- Residents 65 and older
- 1,830
- Residents 60–64, aging in over the next five years
- 686
- Medicare eligibles
- 2,258
- Medicare Advantage penetration
- 52.5%
- Plans per 1,000 residents 65+
- 8.7
Carriers by number of plans
- Blue Cross and Blue Shield of Minnesota — 3 plans
- Humana — 3 plans
- Align powered by Sanford Health Plan — 2 plans
- PrimeWest Health — 2 plans
- UnitedHealthcare — 2 plans
- Wellcare — 2 plans
- HealthSpring — 1 plan
- MedicareBlue Rx — 1 plan
Plans sorted by CMS star rating, then premium
| Plan | Carrier | Category | Plan type | Monthly premium | Drug deductible | Out-of-pocket maximum | Star rating |
|---|---|---|---|---|---|---|---|
| Humana Basic Rx Plan (PDP) (S5884-145-0) | Humana | PDP | PDP | $18.30 | $700 | 4.5 | |
| Humana Value Rx Plan (PDP) (S5884-204-0) | Humana | PDP | PDP | $33.30 | $687 | 4.5 | |
| Humana Premier Rx Plan (PDP) (S5884-171-0) | Humana | PDP | PDP | $123 | $350 | 4.5 | |
| Blue Cross Medicare Advantage Freedom Blue (PPO) (H5959-018-0) | Blue Cross and Blue Shield of Minnesota | MA | PPO | $0 | $6,900 | 4.0 | |
| Blue Cross Medicare Advantage Essential (PPO) (H5959-023-2) | Blue Cross and Blue Shield of Minnesota | MA-PD | PPO | $10 | $700 | $9,850 | 4.0 |
| Blue Cross Medicare Advantage Select (PPO) (H5959-024-0) | Blue Cross and Blue Shield of Minnesota | MA-PD | PPO | $165 | $700 | $6,900 | 4.0 |
| PrimeWest Senior Health Complete (HMO D-SNP) (H2416-001-0) | PrimeWest Health | SNP | HMO D-SNP | $24.60 | $700 | $9,850 | 3.5 |
| Align SecureChoice (PPO) (H3186-002-0) | Align powered by Sanford Health Plan | MA-PD | PPO | $35 | $500 | $9,850 | 3.5 |
| Align SecureChoice Gold (PPO) (H3186-001-0) | Align powered by Sanford Health Plan | MA-PD | PPO | $112 | $350 | $7,150 | 3.5 |
| Wellcare Value Script (PDP) (S4802-158-0) | Wellcare | PDP | PDP | $5.30 | $700 | 3.0 |
Showing 10 of 16 plans.
Nearby counties
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About this data
Source: CMS Medicare Advantage/Part D Landscape files, plan year 2027; population: U.S. Census Bureau ACS 5-year 2024; MA penetration: CMS October 2026.
This page summarizes publicly available CMS data. It is not a plan finder and does not recommend plans. To compare and enroll in plans, use Medicare.gov or talk to a licensed agent. Medicare.gov plan finder.