Insurance in Rochester · Olmsted County, Minnesota
Insurance Coverage for Rochester, MN
Rochester anchors Olmsted County's roughly 163,425 residents and is home to Mayo Clinic's flagship campus. Hougom Insurance Agency is a full-service independent agency licensed in Minnesota — we actively serve Rochester directly, not just as a stop on the way to Mayo Clinic. We write every line here: Medicare, ACA/individual health, life insurance and annuities, group benefits, and home, auto, and business coverage, comparing multiple carriers so you're never stuck with one company's price.
By the numbers · Olmsted County
Quick facts for Olmsted County Medicare
Source: U.S. Census Bureau American Community Survey (2023, 5-Year Estimates) & CMS Medicare Advantage Landscape (PY2026).
Health profile · why coverage choice matters here
Chronic conditions among Olmsted County adults
The right Medicare plan depends on your health. Here's how common key conditions are locally (CDC PLACES, model-based prevalence among 164,784 adults) — a reason to check each plan's drug formulary and specialist network before you enroll.
Source: CDC PLACES Local Data for Better Health (2023).
Plans & stability
Medicare Advantage plans in Olmsted County (2026)
Representative MA-PD plans with drug coverage, by CMS star rating. "Stability" is each plan's published CMS Overall Star Rating — a federal quality measure, not our opinion. We never call a plan best or worst; we show the data and help you compare.
| Plan | Carrier | Premium | Drug deductible | CMS rating | Stability |
|---|---|---|---|---|---|
| Blue Cross Medicare Advantage Complete (PPO) | Blue Cross and Blue Shield of Minnesota | $248 | $250 | 4.5★ | Strong (4★+) |
| Humana Gold Choice H8145-006 (PFFS) | Humana | $37 | $615 | 3.5★ | Average (3.5★) |
| Medica Advantage Solution H8889-008 (PPO) | Medica | $47 | $615 | 3.5★ | Average (3.5★) |
| Medica Advantage Solution H8889-004 (PPO) | Medica | $159 | $435 | 3.5★ | Average (3.5★) |
Source: CMS Medicare Advantage Landscape (PY2026). Premiums shown are consolidated monthly premiums; full plans vary — compare with the tool below.
Who covers you
Carriers in the Olmsted metro
- Medica — 2 plans · Regional Minnesota PPO plans
- Blue Cross and Blue Shield of Minnesota — 1 plan · 4.5★ overall-rated PPO
- Humana — 1 plan · Private Fee-For-Service option
Where you get care
Hospitals & providers nearby
- Mayo Clinic Hospital – Rochester — Rochester, MN · CMS 5★ hospital rating
- Olmsted Medical Center — Rochester, MN · CMS 4★ hospital rating
Plus roughly 200 family-medicine providers and 20 pharmacies in the Rochester area — check that yours are in-network before you enroll.
Sources: CMS Hospital Compare · NPPES NPI Registry.
This is educational information, not medical, legal, or insurance advice, and not a recommendation of any specific plan. Hougom Insurance Agency is a licensed independent insurance agency (NPN 20742808) and a Third-Party Marketing Organization (TPMO) under CMS guidelines — we are not connected with or endorsed by the U.S. government or the federal Medicare program. We do not offer every plan available in your area. Any information we provide is limited to the plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) for a complete list of options.
Everything we cover · Rochester & Olmsted County
One agency, every line, right here in Rochester
Beyond Medicare, we write every other line of insurance for Rochester-area households and businesses. Each line below links to the full coverage details.
ACA & individual health
Marketplace plans, subsidy eligibility, and short-term coverage for households and the self-employed not on an employer plan.
Life, annuities & group benefits
Term and whole life, retirement-income annuities, and employer-sponsored group health, life, dental, and vision for Rochester-area businesses.
Home & auto
Homeowners and auto insurance for Rochester households, comparing multiple carriers so you get real options, not just one company's rates.
Business & bonds
General liability, business owner's policies, and contractor license bonds for Rochester-area businesses.
Rochester insurance questions, answered
Does Hougom Insurance Agency serve Rochester, MN?
Yes. Hougom Insurance Agency is licensed in Minnesota and actively serves Rochester and Olmsted County directly — this isn't a market we only reach through Winona-area referrals. We write every line here: Medicare, ACA/individual health, life insurance, annuities, group benefits, and home/auto/business coverage, comparing multiple carriers so you're never stuck with one company's price.
How many Medicare Advantage plans are available in Rochester, MN for 2026?
For 2026, 4 Medicare Advantage and MA-PD plans are available in Olmsted County across 3 carriers. The highest CMS star rating offered locally is 4.5★. It's a smaller plan count than some larger metros — we compare every option carefully since there's less overlap to fall back on.
Does every Medicare Advantage plan in Rochester include Mayo Clinic?
No — this is the single biggest local mistake we see. Even in a market built around Mayo Clinic, not every Medicare Advantage plan includes Mayo Clinic in its network, and some that do only cover specific Mayo departments or require referrals. We verify your specific Mayo Clinic providers and departments are in-network before you enroll in any plan, rather than assuming Mayo is automatically covered because it's the hometown health system.
Does Minnesota use Medicare Supplement Plan G or Plan N?
No. Minnesota is one of a handful of states with its own standardized Medigap system — a required Basic Plan plus an optional Extended Basic Plan, with riders added on top — not the national A–N letter plans. We explain Minnesota's specific Medigap options and compare every carrier available to Olmsted County residents.
Can you help a Rochester business with group health benefits?
Yes. We design and quote employer group health, life, dental, vision, and disability benefits for Rochester-area businesses, comparing fully-insured and level-funded options across multiple carriers — useful in a market where many employers compete with Mayo Clinic and its affiliated system for talent.
What's the uninsured rate in Olmsted County?
An estimated 3.9% of Olmsted County's civilian population — about 6,309 residents — was uninsured per the U.S. Census Bureau's 2023 American Community Survey. We help close that gap by comparing ACA marketplace plans, including subsidy-eligible options, for Rochester-area households.
Talk to a local advisor about Rochester coverage
Free, no pressure — licensed in Minnesota.
Book a free consultation → (608) 799-8434
Also serving: Winona County, MN · Houston County, MN · La Crosse County, WI · Monroe County, WI