Medicare Advantage plans in Alabama for 2027
In Alabama the smallest out-of-pocket cap belongs to the plan with the steepest premium, so the cheapest plan on paper is rarely the cheapest year.
Mobile, Alabama: plans open to everyone on Parts A and B
46 plans
23 with a $0 premium and drug coverage · out-of-pocket limits $3,250 to $9,850 · best rating 4.5★ · 2 plan IDs of 2026 not renewed here
46 plans shown · monthly premium = Part C + Part D, before your Part B premium · stars: 2027 ratings published October 8, 2026
| Plan | Premium | Drug deductible | Max out of pocket | Stars |
|---|---|---|---|---|
| Humana USAA Honor Giveback (HMO)Humana · HMO · H4461-075-0 | $0 | no drugs | $4,150 | 4.5★ |
| Humana USAA Honor Giveback (PPO)Humana · PPO · H5216-236-0 | $0 | no drugs | $4,150 | 4.0★ |
| HumanaChoice H5216-269 (PPO)Humana · PPO · H5216-269-0 | $0 | $700 | $4,450 | 4.0★ |
| HumanaChoice H7617-091 (PPO)Humana · PPO · H7617-091-0 | $0 | $700 | $4,450 | 4.5★ |
| HumanaChoice R0110-017 (Regional PPO)Humana · Regional PPO · R0110-017-0 | $0 | no drugs | $4,650 | 3.5★ |
| DEVOTED CHOICE 007 AL (PPO)Devoted Health · PPO · H7028-007-0 | $0 | $650 | $5,600 | 4.5★ |
| DEVOTED CORE 001 AL (HMO)Devoted Health · HMO · H3080-001-0 | $0 | $465 | $5,700 | 3.5★ |
| HealthSpring Courage (HMO)HealthSpring · HMO · H4513-045-0 | $0 | no drugs | $5,750 | 3.5★ |
| DEVOTED CHOICE 001 AL (PPO)Devoted Health · PPO · H9888-001-0 | $0 | $650 | $6,200 | 3.5★ |
| Humana Value Plus H5216-179 (PPO)Humana · PPO · H5216-179-0 · was $27.70 in 2026 | $0 | $400 | $6,200 | 4.0★ |
| AARP Medicare Advantage Essentials from UHC AL-3 (HMO-POS)UnitedHealthcare · HMO-POS · H2802-041-0 | $0 | $685 | $6,300 | 3.5★ |
| Humana Gold Plus H4461-078 (HMO)Humana · HMO · H4461-078-0 | $0 | $700 | $6,360 | 4.5★ |
| HealthSpring Preferred (HMO)HealthSpring · HMO · H4513-077-3 | $0 | $400 | $6,500 | 3.5★ |
| VIVA Medicare Infirmary Health Advantage (HMO)VIVA Medicare · HMO · H0154-020-0 | $0 | $200 | $6,500 | 4.0★ |
| Aetna Medicare Signature Care (HMO)Aetna Medicare · HMO · H3239-020-0 | $0 | $400 | $6,750 | 3.5★ |
| HealthSpring Preferred Extra Savings (HMO)HealthSpring · HMO · H4513-089-0 | $0 | $600 | $7,000 | 3.5★ |
| AARP Medicare Advantage Extras from UHC AL-7 (HMO-POS)UnitedHealthcare · HMO-POS · H2802-087-0 | $0 | $685 | $7,150 | 3.5★ |
| AARP Medicare Advantage from UHC AL-0001 (HMO-POS)UnitedHealthcare · HMO-POS · H0432-003-0 | $0 | $685 | $7,150 | 3.5★ |
| AARP Medicare Advantage Patriot No Rx AL-MA01 (HMO-POS)UnitedHealthcare · HMO-POS · H0432-012-0 | $0 | no drugs | $7,150 | 3.5★ |
| AARP Medicare Advantage Patriot No Rx AL-MA2 (HMO-POS)UnitedHealthcare · HMO-POS · H2802-086-0 | $0 | no drugs | $7,150 | 3.5★ |
| Aetna Medicare Signature Plus (PPO)Aetna Medicare · PPO · H5521-116-0 | $0 | $600 | $7,150 | 4.0★ |
| Blue Advantage Choice (PPO)Blue Cross and Blue Shield of Alabama · PPO · H0104-016-0 | $0 | $700 | $7,150 | 4.0★ |
| Humana Gold Plus H5619-089 (HMO)Humana · HMO · H5619-089-0 | $0 | $700 | $7,150 | 4.0★ |
| DEVOTED CHOICE GIVEBACK EXTRAS 038 AL (PPO)Devoted Health · PPO · H7028-038-0 | $0 | $700 | $7,250 | 4.5★ |
| Aetna Medicare Eagle Plus (PPO)Aetna Medicare · PPO · H5521-229-0 | $0 | no drugs | $7,900 | 4.5★ |
| DEVOTED CHOICE MA ONLY 007 AL (PPO)Devoted Health · PPO · H9888-007-0 | $0 | no drugs | $7,900 | 3.5★ |
| DEVOTED CHOICE GIVEBACK 005 AL (PPO)Devoted Health · PPO · H9888-005-0 | $0 | $461 | $8,900 | 3.5★ |
| Aetna Medicare Signature Giveback (PPO)Aetna Medicare · PPO · H5521-475-0 | $0 | $600 | $9,250 | 4.0★ |
| VIVA Medicare Plus (HMO)VIVA Medicare · HMO · H0154-015-1 | $0 | $450 | $9,250 | 4.0★ |
| VIVA Medicare Select (HMO)VIVA Medicare · HMO · H0154-008-0 | $0 | no drugs | $9,250 | 4.0★ |
| DEVOTED CHOICE GIVEBACK 009 AL (PPO)Devoted Health · PPO · H7028-009-0 | $0 | $650 | $9,850 | 4.5★ |
| DEVOTED GIVEBACK 002 AL (HMO)Devoted Health · HMO · H3080-002-0 | $0 | $461 | $9,850 | 3.5★ |
| Humana Value Plus H7617-089 (PPO)Humana · PPO · H7617-089-0 · was $27.70 in 2026 | $0.50 | $400 | $6,200 | 4.5★ |
| AARP Medicare Advantage from UHC AL-0004 (PPO)UnitedHealthcare · PPO · H1889-015-0 · was $0 in 2026 | $10 | $685 | $7,150 | 3.5★ |
| HealthSpring True Choice (PPO)HealthSpring · PPO · H7849-143-0 · was $0 in 2026 | $15 | $500 | $7,500 | 3.0★ |
| Blue Advantage Core (PPO)Blue Cross and Blue Shield of Alabama · PPO · H0104-014-0 · was $0 in 2026 | $19.50 | $625 | $6,000 | 4.0★ |
| Aetna Medicare Signature Extra Care (HMO)Aetna Medicare · HMO · H3239-031-0 | $23 | $400 | $5,900 | 3.5★ |
| Aetna Medicare Value Plus (PPO)Aetna Medicare · PPO · H5521-467-0 | $23.30 | $400 | $9,850 | 4.0★ |
| HumanaChoice H5216-368 (PPO)Humana · PPO · H5216-368-0 · was $20 in 2026 | $27.50 | $700 | $3,250 | 4.0★ |
| HumanaChoice H7617-090 (PPO)Humana · PPO · H7617-090-0 · was $20 in 2026 | $34 | $700 | $3,250 | 4.5★ |
| HealthSpring Preferred Plus (HMO)HealthSpring · HMO · H4513-087-3 · was $20 in 2026 | $35 | $400 | $4,400 | 3.5★ |
| Humana Gold Plus H4461-079 (HMO)Humana · HMO · H4461-079-0 · was $20 in 2026 | $36 | $700 | $4,900 | 4.5★ |
| AARP Medicare Advantage from UHC AL-6 (HMO-POS)UnitedHealthcare · HMO-POS · H2802-079-0 · was $31 in 2026 | $43 | $685 | $5,400 | 3.5★ |
| AARP Medicare Advantage from UHC AL-0002 (HMO-POS)UnitedHealthcare · HMO-POS · H0432-004-0 · was $40 in 2026 | $45 | $685 | $5,400 | 3.5★ |
| VIVA Medicare Premier (HMO)VIVA Medicare · HMO · H0154-011-0 | $99 | $350 | $6,500 | 4.0★ |
| HumanaChoice R0110-018 (Regional PPO)Humana · Regional PPO · R0110-018-0 · was $86 in 2026 | $124 | $700 | $7,000 | 3.5★ |
Compiled by Radif Partners from the CMS landscape file of September 2026 · How the data is read
Alabama residents with Parts A and B can choose among 65 Medicare Advantage plans open to the general public for 2027, filed by 7 parent companies, and 36 of the plans that include drug coverage charge nothing per month. The in-network out-of-pocket maximum runs from $1,900 to $9,850, with a median of $6,500 against $6,550 nationally. The plan with the $1,900 ceiling, Humana Gold Plus H4461-073 (HMO), costs $146 a month, the highest premium in the state. 34 plans earn four stars or better for 2027 and the top score is 4.5. Rural counties fare better here than in many Southern states: the thinnest county, Tuscaloosa, still has 21 open plans, while Mobile leads with 46. There are also 48 special needs plans and 11 stand-alone Part D plans, all listed below.
Premium against ceiling: the Alabama trade-off
Look at the two ends of the Alabama list and the same pattern keeps showing up. Humana Gold Plus H4461-073 (HMO), from Humana, promises that in-network spending on covered medical care stops at $1,900 for the year, but it bills $146 every month to get there, which comes to $1,752 before any copay. At the other end, HumanaChoice H5216-269 (PPO) charges $0 with a 4-star rating and a $4,450 cap. A healthy year favors the second; a year with a surgery and a hospital stay can favor the first. The MOOP, short for maximum out of pocket, is the figure that decides the bad year, while the premium decides every month.
A “$0 plan” over a year
Still paid in 2027
$3,548
| Part B premium (projected) | $2,514 |
| Cost sharing, up to the cap | $1,034 |
| Worst case | $9,264 |
Which companies file the most plans
Humana Inc. (15), Devoted Health, Inc. (13), Health Care Service Corporation (12), CVS Health Corporation (8), UnitedHealth Group, Inc. (8), Triton Health Systems, L.L.C. (6) account for the largest counts of open plan segments. Triton Health Systems is the one regional parent among the national groups on that list. The plan that scores highest on the 2027 ratings, Humana Gold Plus H4461-078 (HMO), holds 4.5 stars at $0 with a $6,360 cap; the word giveback in a plan name means it pays back part of your Part B premium.
From Mobile Bay to the Black Belt
Mobile County lists 46 open plans and Jefferson County, around Birmingham, 43. In the Black Belt and the southwestern counties, the menu shrinks to about half that size, with Tuscaloosa at 21, yet no Alabama county is left without a choice of HMO and PPO. A PPO lets you see out-of-network doctors at a higher copay; an HMO generally does not, outside emergencies. The state splits almost evenly: 33 HMOs and 32 PPOs.
Plans for people on Medicaid or with chronic illness
Of the 48 special needs plans, 28 are D-SNPs for people who qualify for both Medicare and Alabama Medicaid, 17 are C-SNPs for conditions such as diabetes or heart failure, and 3 serve nursing-home residents. Compared with 2026, the open list moved from 63 to 65 plans (2 more plans). See how special needs plans work before you switch.
Every county of Alabama, 2027
| County | Plans open to all | $0 with drugs | Lowest max out of pocket | Rated 4★ or more | vs 2026 |
|---|---|---|---|---|---|
| Autauga | 39 | 19 | $3,250 | 19 | +1 |
| Baldwin | 43 | 21 | $1,900 | 21 | +5 |
| Barbour | 30 | 15 | $3,250 | 16 | +2 |
| Bibb | 39 | 20 | $3,250 | 19 | +1 |
| Blount | 42 | 19 | $3,250 | 20 | +5 |
| Bullock | 35 | 18 | $3,250 | 19 | +2 |
| Butler | 32 | 17 | $3,250 | 16 | +2 |
| Calhoun | 31 | 13 | $3,250 | 21 | +4 |
| Chambers | 36 | 18 | $3,250 | 20 | +4 |
| Cherokee | 37 | 17 | $3,250 | 18 | +3 |
| Chilton | 40 | 20 | $3,250 | 19 | +2 |
| Choctaw | 24 | 10 | $3,250 | 13 | -1 |
| Clarke | 26 | 10 | $3,250 | 16 | +1 |
| Clay | 30 | 15 | $3,250 | 14 | +2 |
| Cleburne | 29 | 15 | $3,250 | 14 | +1 |
| Coffee | 24 | 10 | $3,250 | 13 | -1 |
| Colbert | 37 | 18 | $3,250 | 19 | +2 |
| Conecuh | 23 | 9 | $3,250 | 13 | +1 |
| Coosa | 34 | 17 | $3,250 | 14 | +1 |
| Covington | 24 | 10 | $3,250 | 13 | -1 |
| Crenshaw | 35 | 18 | $3,250 | 19 | +2 |
| Cullman | 39 | 20 | $3,250 | 19 | same |
| Dale | 27 | 11 | $3,250 | 16 | -1 |
| Dallas | 38 | 19 | $3,250 | 19 | +2 |
| DeKalb | 34 | 16 | $3,250 | 14 | +2 |
| Elmore | 35 | 18 | $3,250 | 19 | -1 |
| Escambia | 32 | 17 | $3,250 | 17 | +3 |
| Etowah | 37 | 17 | $3,250 | 16 | same |
| Fayette | 27 | 11 | $3,250 | 16 | -1 |
| Franklin | 30 | 14 | $3,250 | 19 | +1 |
| Geneva | 27 | 11 | $3,250 | 16 | +1 |
| Greene | 24 | 10 | $3,250 | 13 | -1 |
| Hale | 24 | 10 | $3,250 | 13 | -1 |
| Henry | 27 | 11 | $3,250 | 16 | +1 |
| Houston | 31 | 12 | $3,250 | 19 | +3 |
| Jackson | 39 | 17 | $3,250 | 20 | +3 |
| Jefferson | 43 | 20 | $3,250 | 21 | +5 |
| Lamar | 28 | 13 | $3,250 | 16 | +5 |
| Lauderdale | 37 | 18 | $3,250 | 19 | same |
| Lawrence | 35 | 17 | $3,250 | 16 | +2 |
| Lee | 29 | 11 | $3,250 | 17 | +2 |
| Limestone | 39 | 18 | $3,250 | 19 | +3 |
| Lowndes | 38 | 19 | $3,250 | 19 | +1 |
| Macon | 37 | 18 | $3,250 | 22 | +4 |
| Madison | 43 | 20 | $3,250 | 23 | +3 |
| Marengo | 24 | 10 | $3,250 | 13 | -1 |
| Marion | 34 | 16 | $3,250 | 19 | +5 |
| Marshall | 35 | 16 | $3,250 | 17 | -1 |
| Mobile | 46 | 23 | $3,250 | 24 | +5 |
| Monroe | 23 | 9 | $3,250 | 13 | +1 |
| Montgomery | 40 | 19 | $3,250 | 19 | +4 |
| Morgan | 39 | 18 | $3,250 | 19 | +3 |
| Perry | 28 | 11 | $3,250 | 13 | -1 |
| Pickens | 28 | 11 | $3,250 | 16 | +3 |
| Pike | 37 | 18 | $3,250 | 22 | +4 |
| Randolph | 28 | 14 | $3,250 | 13 | +3 |
| Russell | 35 | 17 | $3,250 | 20 | +3 |
| Shelby | 43 | 20 | $3,250 | 21 | +6 |
| St. Clair | 41 | 18 | $3,250 | 19 | +2 |
| Sumter | 23 | 9 | $3,250 | 13 | +1 |
| Talladega | 37 | 17 | $3,250 | 19 | -2 |
| Tallapoosa | 35 | 18 | $3,250 | 19 | +4 |
| Tuscaloosa | 21 | 7 | $3,250 | 14 | -7 |
| Walker | 44 | 21 | $3,250 | 22 | +5 |
| Washington | 27 | 13 | $3,250 | 16 | +2 |
| Wilcox | 23 | 10 | $3,250 | 13 | -2 |
| Winston | 31 | 15 | $3,250 | 18 | +1 |
Stand-alone Part D plans in Alabama
| Plan | Monthly premium | With full Extra Help | Deductible | 2026 premium | 2027 Part D stars |
|---|---|---|---|---|---|
| Wellcare Value Script (PDP)Wellcare · S4802-147-0 | $5.30 | $5.30 | $700 | $3.60 | 3.0 |
| Humana Basic Rx Plan (PDP)Humana · S5884-106-0 · Extra Help benchmark | $6.30 | $0 | $700 | $0 | 4.5 |
| Wellcare Classic (PDP)Wellcare · S4802-071-0 · Extra Help benchmark | $7.30 | $0 | $700 | $3.70 | 3.0 |
| Humana Value Rx Plan (PDP)Humana · S5884-191-0 | $60 | $46.30 | $687 | $37.70 | 4.5 |
| BlueRx Essential (PDP)BlueRx (PDP) · S1030-006-0 | $61.10 | $47.40 | $700 | $76.20 | 3.0 |
| HealthSpring Assurance Rx (PDP)Blue Cross and Blue Shield of IL, NM, OK, TX · S5715-033-0 | $110.40 | $96.70 | $700 | new | 2.5 |
| AARP Medicare Rx Saver from UHC (PDP)UnitedHealthcare · S5921-357-0 | $126.40 | $112.70 | $700 | $63.20 | 3.0 |
| Humana Premier Rx Plan (PDP)Humana · S5884-158-0 | $127.90 | $114.20 | $350 | $108.60 | 4.5 |
| SilverScript Choice (PDP)Aetna Medicare · S5601-024-0 | $148.80 | $135.10 | $700 | $97.30 | 2.5 |
| BlueRx Enhanced Plus (PDP)BlueRx (PDP) · S1030-001-0 | $157.60 | $143.90 | $250 | $129.50 | 3.0 |
| AARP Medicare Rx Preferred from UHC (PDP)UnitedHealthcare · S5921-393-0 | $204.60 | $190.90 | $300 | $119.30 | 3.0 |