Medicare Advantage plans 2027, county by county

The premium shown for each plan is the "monthly consolidated premium" of the CMS file: the Part C premium plus the Part D premium of the plan, after the rebates the plan applies. It never includes the Part B premium, which you keep paying to Medicare: $202.90 a month in 2026, projected at $209.50 for 2027 by the Trustees until CMS publishes the final amount in November. If your income on the tax return of two years earlier was above the IRMAA thresholds, an adjustment is added to both Part B and the drug premium: the IRMAA calculator shows yours.

The MOOP column is the most you pay in a calendar year for in-network Part A and Part B services, copays and coinsurance included. It does not count premiums, drugs (they have their own $2,400 cap in 2027) or care outside the network of an HMO. For PPO plans the file gives the in-network figure; a higher combined limit applies out of network. Original Medicare alone has no cap at all, which is why people who stay in it usually add a Medigap policy: the Medigap page compares the two routes.

CMS rates each contract from 1 to 5 stars on up to 43 measures: preventive care, chronic disease management, member complaints, drug safety and customer service. The 2027 ratings, published on October 8, 2026, put the enrollment-weighted average of drug-covering contracts at 3.99 (4.01 a year earlier), with 15 contracts at five stars. A five-star plan in your county also opens a special enrollment period from December 8 to November 30: see star ratings 2027.

The county pages list every 2026 plan ID that is not filed again for the county in 2027. The national count of plans open to everyone went from 3,790 in 2026 to 3,589 in 2027 in the two CMS files. If your plan is on that list, the Annual Notice of Change from your insurer says whether you are moved to another plan; if the plan really leaves, you get a special enrollment period and a guaranteed right to some Medigap policies. The plans leaving page explains the deadlines.

Most commercial sites that rank for these searches are paid by insurers or brokers for each enrollment, which is why they ask for a ZIP code and a phone number before showing anything. This site is paid by no one in that chain. It cannot enroll you either: when you have chosen, you join on the plan's own site, by calling the plan, or on Medicare.gov. Free counseling without sales interest exists in every state through the State Health Insurance Assistance Program (SHIP).