2026 Medicare Advantage Plans in Stearns County, MN
Last update: . Enrollment data updated: August 15, 2026
For 2026, Stearns County, MN includes 13 Medicare Advantage plans. Enrollment across these plans totals approximately 16,714, with 6 $0 premium options and 69% rated 4 stars or higher.
Totals on this page exclude Medicare Advantage Special Needs Plans (SNPs). SNP plans for Stearns County, MN are provided separately. Or you can discover all Medicare Options in Stearns County, MN.
Medicare Advantage PPO Plans
Preferred Provider Organization (PPO) plans allow members to choose care from both in-network and out-of-network providers. Out-of-network care usually costs more, but PPOs offer greater flexibility in how members access care.
- Total PPO Plans
- 12
- Average Monthly Premium
- $66.73/mo
- Total PPO Enrollment
- 16,638
- $0 Premium PPO Plans
- 5
- Average MOOP
- $5,229
- Top PPO by Enrollment
- Blue Cross Medicare Advantage Choice (PPO) — 6,720 enrollees
- PPO Plans Without Drug Coverage
- 2
| PPO Plan Name | Rating* | Premium | MOOP | Rx Ded. | Plan-ID |
|---|---|---|---|---|---|
| Blue Cross Medicare Advantage Choice | $121 | $3,800 | $400 | H5959-014-2 | |
| Blue Cross Medicare Advantage Comfort | $62 | $4,500 | $550 | H5959-016-0 | |
| Blue Cross Medicare Advantage Complete | $243 | $3,400 | $200 | H5959-010-2 | |
| Blue Cross Medicare Advantage Core | $0 | $6,750 | $615 | H5959-013-2 | |
| Blue Cross Medicare Advantage Freedom Blue | $0 | $5,500 | N/A | H5959-018-0 | |
| HealthPartners Journey Pace | $20 | $5,900 | $350 | H4882-009-2 | |
| HealthPartners Journey Smart | $0 | $6,700 | $400 | H4882-014-2 | |
| HealthPartners Journey Steady | $165 | $3,500 | $200 | H4882-003-0 | |
| HealthPartners Journey Stride | $70 | $5,000 | $300 | H4882-011-2 | |
| Medica Advantage Solution H8889-002 | $120 | $4,200 | $355 | H8889-002-0 | |
| Medica Advantage Solution H8889-005 | $0 | $6,750 | $615 | H8889-005-0 | |
| Medica Advantage Solution H8889-009 | $0 | $6,750 | N/A | H8889-009-0 |
What is the typical premium for PPO plans available in Stearns?
PPO plans in Stearns cost $66.73 per month on average.
Which PPO plan do most beneficiaries choose in Stearns?
The most popular PPO plan in Stearns is Blue Cross Medicare Advantage Choice (PPO), with 6,720 enrollees.
How many PPO options are offered without drug coverage in Stearns?
2 PPO plans in Stearns do not include prescription drug coverage.
Medicare Advantage HMO-POS Plans
HMO-POS plans are structured like HMOs, requiring in-network care for the lowest costs, while allowing limited out-of-network access at higher cost. This provides added flexibility compared with standard HMO plans.
- Total HMO-POS Plans
- 1
- Average Monthly Premium
- $0.00/mo
- Total HMO-POS Enrollment
- 76
- $0 Premium HMO-POS Plans
- 1
- Average MOOP
- $6,750
- Top HMO-POS by Enrollment
- Medica Advantage Solution H6154-001 (HMO-POS) — 76 enrollees
- HMO-POS Plans Without Drug Coverage
- 0
| Plan Name | Rating* | Premium | MOOP | Rx Ded. | Plan-ID |
|---|---|---|---|---|---|
| Medica Advantage Solution H6154-001 | $0 | $6,750 | $615 | H6154-001-0 |
- What is the average monthly premium for HMO-POS plans?
- HMO-POS plans in Stearns cost $0.00 per month on average.
- Which HMO-POS plan is most popular in Stearns?
- The most popular HMO-POS plan in Stearns is Medica Advantage Solution H6154-001 (HMO-POS), with 76 enrollees.
- How many HMO-POS plans in Stearns do not include drug coverage?
- There are 0 HMO-POS plans in Stearns without prescription drug coverage.
CMS quality ratings for Medicare Advantage plans in Stearns County, MN (2026) are summarized below.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | No 5-star plans available. | 0% |
| 4 Stars (includes 5 Stars) | 9 | 69% |
| 3 Stars | 4 | 31% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 0 | 0% |
| Average Rating | 4.19 | |
* Star ratings are based on CMS quality measures and reflect plan performance for the 2026 rating period.
- CMS.gov, Medicare Advantage Landscape Source Files — Last accessed August 15, 2026
- CMS.gov, Medicare Part C & D Performance Data — Last accessed August 15, 2026
- CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Last accessed August 15, 2026
All plan counts, enrollment totals, averages, and percentage distributions are calculated at the county level using CMS data and include standard Medicare Advantage (MA/MAPD) plans only, based on a consistent aggregation methodology.
Data sources and methodology documentation .
- Medicare.gov, "Understanding Medicare Advantage Plans" — Last accessed 25 May, 2025
- Medicare.gov, "Explore your Medicare coverage options" — Last accessed 25 May, 2025
- NCOA.org, "5 Steps to Choosing the Right Medicare Plan for You" — Last accessed 25 May, 2025
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Data provenance is documented in accordance with the U.S. Core Data for Interoperability (USCDI) Provenance standard .
Page content independently curated and maintained by David W. Bynon, Editorial Steward, using a standardized, data-driven methodology for accurate, non-commercial Medicare plan interpretation and resolution.