Medicare Advantage plans in Arizona for 2027
Three counties around Phoenix and Tucson carry Arizona's Medicare Advantage market; past them, the plan count falls by more than half.
Maricopa, Arizona: plans open to everyone on Parts A and B
52 plans
39 with a $0 premium and drug coverage · out-of-pocket limits $2,000 to $8,900 · best rating 4.5★ · 8 plan IDs of 2026 not renewed here
52 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 |
|---|---|---|---|---|
| SCAN Classic (HMO)SCAN Health Plan · HMO · H1822-001-0 | $0 | $0 | $2,000 | 3.5★ |
| Verda Noble Care (HMO)Verda Health Plan of Arizona · HMO · H2630-001-0 | $0 | $300 | $2,099 | new |
| SCAN MyChoice (HMO)SCAN Health Plan · HMO · H1822-007-0 | $0 | $0 | $2,500 | 3.5★ |
| SCAN Walmart Medicare Advantage (HMO)SCAN Health Plan · HMO · H1822-009-0 | $0 | $450 | $2,500 | 3.5★ |
| Wellcare Simple (HMO)Wellcare · HMO · H0351-063-0 | $0 | $700 | $2,500 | 3.5★ |
| DEVOTED CORE 090 AZ (HMO)Devoted Health · HMO · H7993-090-0 | $0 | $650 | $2,900 | 4.5★ |
| DEVOTED CORE 021 AZ (HMO)Devoted Health · HMO · H8173-021-0 | $0 | $461 | $2,950 | 4.0★ |
| Banner Medicare Advantage Prime (HMO)Banner Medicare Advantage · HMO · H5843-001-0 | $0 | $540 | $2,995 | 3.0★ |
| Aetna Medicare Prime (HMO)Aetna Medicare · HMO · H8332-008-0 | $0 | $400 | $3,000 | too few data |
| Wellpoint Medicare Advantage (HMO-POS)Wellpoint · HMO-POS · H1423-009-0 | $0 | $130 | $3,000 | 3.5★ |
| HealthSpring Preferred (HMO)HealthSpring · HMO · H0354-028-0 | $0 | $500 | $3,200 | 3.5★ |
| Humana Gold Plus H0028-074 (HMO)Humana · HMO · H0028-074-1 | $0 | $200 | $3,400 | 4.5★ |
| Humana Total Complete (HMO)Humana · HMO · H4461-056-0 | $0 | $200 | $3,400 | 4.5★ |
| Alignment Health ONE + Walgreens 001 (HMO)Alignment Health Plan · HMO · H3443-001-0 | $0 | $0 | $3,499 | 4.0★ |
| AARP Medicare Advantage Essentials from UHC AZ-2 (HMO-POS)UnitedHealthcare · HMO-POS · H0609-026-0 | $0 | $685 | $3,500 | 4.0★ |
| AARP Medicare Advantage from UHC AZ-002P (HMO-POS)UnitedHealthcare · HMO-POS · H0609-027-0 | $0 | $685 | $3,500 | 4.0★ |
| Blue Best Life Classic (HMO)Blue Cross Blue Shield of Arizona (AZ Blue) · HMO · H0302-006-0 | $0 | $500 | $3,550 | 3.5★ |
| Alignment Health Smart 005 (HMO)Alignment Health Plan · HMO · H3443-005-0 | $0 | $700 | $3,900 | 4.0★ |
| eternalHealth Harmony (HMO)eternalHealth · HMO · H3551-004-0 | $0 | $250 | $4,000 | 2.5★ |
| eternalHealth Horizon (HMO)eternalHealth · HMO · H3551-001-0 | $0 | $200 | $4,000 | 2.5★ |
| Blue Best Life Select (HMO)Blue Cross Blue Shield of Arizona (AZ Blue) · HMO · H0302-010-0 | $0 | $490 | $4,450 | 3.5★ |
| HealthSpring Preferred Savings (HMO)HealthSpring · HMO · H0354-029-0 | $0 | $300 | $4,450 | 3.5★ |
| DEVOTED CORE 001 AZ (HMO)Devoted Health · HMO · H8173-001-0 | $0 | $650 | $4,500 | 4.0★ |
| Humana USAA Honor Giveback (PPO)Humana · PPO · H5216-436-1 | $0 | no drugs | $5,150 | 4.0★ |
| Humana Value Choice (PPO)Humana · PPO · H7617-124-0 | $0 | $700 | $5,220 | 4.5★ |
| HumanaChoice H5216-265 (PPO)Humana · PPO · H5216-265-0 | $0 | $700 | $5,220 | 4.0★ |
| AARP Medicare Advantage Extras from UHC AZ-5 (HMO-POS)UnitedHealthcare · HMO-POS · H0609-046-0 | $0 | $685 | $5,400 | 4.0★ |
| Aetna Medicare Eagle (PPO)Aetna Medicare · PPO · H5521-329-0 | $0 | no drugs | $5,500 | 4.5★ |
| eternalHealth Valor Give Back (HMO-POS)eternalHealth · HMO-POS · H3551-003-0 | $0 | no drugs | $5,500 | 2.5★ |
| HealthSpring True Choice (PPO)HealthSpring · PPO · H7849-065-0 | $0 | $600 | $5,500 | 3.0★ |
| DEVOTED GIVEBACK EXTRAS 105 AZ (HMO)Devoted Health · HMO · H7993-105-0 | $0 | $700 | $5,550 | 4.5★ |
| DEVOTED CHOICE 001 AZ (PPO)Devoted Health · PPO · H6586-001-0 | $0 | $650 | $5,900 | 3.5★ |
| DEVOTED CORE 020 AZ (HMO)Devoted Health · HMO · H8173-020-0 | $0 | $465 | $5,900 | 4.0★ |
| HumanaChoice R7220-001 (Regional PPO)Humana · Regional PPO · R7220-001-0 | $0 | no drugs | $6,000 | 3.0★ |
| Humana Essentials Plus Giveback (PPO)Humana · PPO · H7617-051-0 | $0 | $700 | $6,100 | 4.5★ |
| HumanaChoice Giveback H5216-371 (PPO)Humana · PPO · H5216-371-0 | $0 | $700 | $6,100 | 4.0★ |
| Humana Gold Plus H0028-028 (HMO)Humana · HMO · H0028-028-0 | $0 | $325 | $6,550 | 4.5★ |
| DEVOTED MA ONLY 005 AZ (HMO)Devoted Health · HMO · H8173-005-0 | $0 | no drugs | $6,650 | 4.0★ |
| Aetna Medicare Signature (HMO)Aetna Medicare · HMO · H4835-002-0 | $0 | $700 | $6,750 | 3.0★ |
| HealthSpring Preferred Extra Savings (HMO)HealthSpring · HMO · H0354-030-0 | $0 | $300 | $6,900 | 3.5★ |
| DEVOTED CHOICE MA ONLY 005 AZ (PPO)Devoted Health · PPO · H6586-005-0 | $0 | no drugs | $7,000 | 3.5★ |
| AARP Medicare Advantage Patriot No Rx AZ-MA2 (HMO-POS)UnitedHealthcare · HMO-POS · H0609-083-0 | $0 | no drugs | $7,150 | 3.5★ |
| Aetna Medicare Signature (PPO)Aetna Medicare · PPO · H5521-554-0 | $0 | $700 | $7,150 | 4.0★ |
| Humana Essentials Plus Giveback (PPO)Humana · PPO · H5216-435-1 | $0 | $450 | $7,850 | 4.0★ |
| DEVOTED GIVEBACK 091 AZ (HMO)Devoted Health · HMO · H7993-091-0 | $0 | $650 | $8,850 | 4.5★ |
| DEVOTED GIVEBACK 019 AZ (HMO)Devoted Health · HMO · H8173-019-0 | $0 | $461 | $8,900 | 4.0★ |
| HumanaChoice H5216-224 (PPO)Humana · PPO · H5216-224-0 · was $10.90 in 2026 | $16.80 | $500 | $4,150 | 4.0★ |
| Aetna Medicare Value Care (PPO)Aetna Medicare · PPO · H5521-649-0 · was $15.90 in 2026 | $16.80 | $700 | $5,900 | 4.0★ |
| AARP Medicare Advantage from UHC AZ-0003 (HMO-POS)UnitedHealthcare · HMO-POS · H0609-044-0 | $26 | $685 | $3,900 | 4.0★ |
| Blue Best Life Plus (HMO)Blue Cross Blue Shield of Arizona (AZ Blue) · HMO · H0302-001-0 · was $44 in 2026 | $49 | $500 | $3,000 | 3.5★ |
| HumanaChoice R7220-002 (Regional PPO)Humana · Regional PPO · R7220-002-0 · was $37 in 2026 | $110 | $700 | $7,150 | 3.0★ |
| HumanaChoice H5216-034 (PPO)Humana · PPO · H5216-034-0 · was $114 in 2026 | $127 | $700 | $7,900 | 4.0★ |
Compiled by Radif Partners from the CMS landscape file of September 2026 · How the data is read
Arizona has 90 Medicare Advantage plans open to anyone with Parts A and B for 2027, and 71 of the 81 that bundle drug coverage have no monthly premium. Caps on in-network spending start at $1,899, with Alignment Health ONE 008 (HMO) from Alignment Health Plan at $0 a month, and the state median is $5,450, below the national $6,550. Choice is concentrated: Maricopa lists 52 open plans, Pima 52 and Pinal 47, while Yavapai, fourth, has 20 and Apache only 7. 53 plans score four stars or more for 2027. Arizona also stands out for chronic-condition plans: 42 of its 58 special needs plans are C-SNPs. Stand-alone Part D plans number 9, with a median premium of $22.30, well under most states.
The Sun Corridor and everywhere else
Maricopa County, with Phoenix, lists 52 open plans and 39 at $0 with drugs. Pima, around Tucson, has 52, and Pinal, between the two, 47. Yavapai, the next county down, falls to 20. In the northeast and along the eastern border, Apache has 7 and Greenlee 8. Rural Arizona is not empty, but the HMOs that make the metro menu long seldom extend their networks there, and residents choose mostly among a few national PPOs.
Caps under two thousand dollars
The statewide floor is $1,899, and both Maricopa ($2,000) and Pima ($1,899) have caps near that level. A cap, or MOOP, is the most you pay in a year for in-network covered medical care; drug costs follow their own $2,400 ceiling. Low caps come almost only from HMOs, which make up 65 of the 90 open plans, and they require you to use the plan's doctors.
Who sells the plans
Devoted Health, Inc. (21), Humana Inc. (20), UnitedHealth Group, Inc. (15), CVS Health Corporation (6), Blue Cross Blue Shield of Arizona (5), Eternal Health of Delaware, Inc. (4) file the most open plan segments. Blue Cross Blue Shield of Arizona is the in-state name on that list. The highest 2027 rating in Arizona is 4.5 stars, held among others by Humana Gold Plus H0028-074 (HMO).
Many plans for chronic conditions, few for Medicaid
Arizona has 42 C-SNPs, special needs plans for people with diabetes, heart disease or lung disease, against only 11 D-SNPs for people with both Medicare and Medicaid. A C-SNP requires a diagnosis that the plan verifies with your doctor before enrollment is confirmed. Details are in special needs plans.
Retiring to Arizona with a high last paycheck
Many people arrive in Arizona around retirement, and their Part B premium is set from the tax return of two years earlier. A final working year with a large salary or bonus can push you into IRMAA, the income-related surcharge, even though your income has since dropped. Stopping work is one of the life-changing events that let you ask Social Security to use the new figure (SSA POMS on life-changing events).
After retirement: new income, new bracket
Saved per year if SSA uses the new income
$4,620
| Part B now | $527.50 |
| Part B with the new income | $202.90 |
Single filer, 2026 tables. Form SSA-44 asks for this after a life-changing event.
The plan count went from 84 in 2026 to 90 for 2027, 6 more plans.
Every county of Arizona, 2027
| County | Plans open to all | $0 with drugs | Lowest max out of pocket | Rated 4★ or more | vs 2026 |
|---|---|---|---|---|---|
| Apache | 7 | 1 | $4,150 | 4 | -1 |
| Cochise | 15 | 9 | $5,150 | 8 | +1 |
| Coconino | 13 | 7 | $5,150 | 7 | -2 |
| Gila | 9 | 3 | $4,150 | 5 | -2 |
| Graham | 19 | 10 | $4,000 | 10 | -2 |
| Greenlee | 8 | 2 | $4,150 | 5 | -3 |
| La Paz | 15 | 8 | $4,150 | 9 | same |
| Maricopa | 52 | 39 | $2,000 | 28 | same |
| Mohave | 12 | 5 | $4,150 | 9 | -4 |
| Navajo | 8 | 2 | $4,150 | 5 | -3 |
| Pima | 52 | 39 | $1,899 | 27 | +2 |
| Pinal | 47 | 35 | $2,000 | 27 | +1 |
| Santa Cruz | 17 | 10 | $2,499 | 9 | -3 |
| Yavapai | 20 | 11 | $4,150 | 14 | -1 |
| Yuma | 17 | 10 | $4,150 | 10 | +1 |
Stand-alone Part D plans in Arizona
| Plan | Monthly premium | With full Extra Help | Deductible | 2026 premium | 2027 Part D stars |
|---|---|---|---|---|---|
| Wellcare Value Script (PDP)Wellcare · S4802-134-0 | $5.30 | $5.30 | $700 | $0 | 3.0 |
| Humana Basic Rx Plan (PDP)Humana · S5884-146-0 · Extra Help benchmark | $6.30 | $0 | $700 | $0 | 4.5 |
| Wellcare Classic (PDP)Wellcare · S4802-092-0 · Extra Help benchmark | $7.30 | $0 | $700 | $0 | 3.0 |
| HealthSpring Assurance Rx (PDP)Blue Cross and Blue Shield of IL, NM, OK, TX · S5715-045-0 · Extra Help benchmark | $9.30 | $0 | $700 | new | 2.5 |
| Humana Value Rx Plan (PDP)Humana · S5884-207-0 | $22.30 | $16.20 | $687 | $2.50 | 4.5 |
| AARP Medicare Rx Saver from UHC (PDP)UnitedHealthcare · S5921-380-0 | $79.80 | $63 | $700 | $38.70 | 3.0 |
| Humana Premier Rx Plan (PDP)Humana · S5884-174-0 | $137.60 | $120.80 | $350 | $119.20 | 4.5 |
| SilverScript Choice (PDP)Aetna Medicare · S5601-056-0 | $152.70 | $135.90 | $700 | $94.90 | 2.5 |
| AARP Medicare Rx Preferred from UHC (PDP)UnitedHealthcare · S5921-409-0 | $191.50 | $174.70 | $300 | $97.50 | 3.0 |