Medicare Advantage plans in Idaho for 2027
Idaho is one of the few states where a $0 Medicare Advantage plan is the exception: for 2027 most plans with drug coverage charge a premium.
Ada, Idaho: plans open to everyone on Parts A and B
19 plans
5 with a $0 premium and drug coverage · out-of-pocket limits $3,000 to $9,150 · best rating 4.5★ · 7 plan IDs of 2026 not renewed here
19 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 (PPO)Humana · PPO · H5216-455-0 | $0 | no drugs | $5,100 | 4.0★ |
| Secure Blue Courage (PPO)Blue Cross of Idaho · PPO · H1302-004-0 | $0 | no drugs | $5,200 | 2.5★ |
| Humana Gold Plus H2486-005 (HMO)Humana · HMO · H2486-005-0 | $0 | $300 | $6,520 | 4.0★ |
| Humana Total Complete (HMO)Humana · HMO · H5619-177-0 | $0 | $700 | $6,660 | 4.0★ |
| AARP Medicare Advantage Patriot No Rx ID-MA01 (HMO-POS)UnitedHealthcare · HMO-POS · H4604-019-0 | $0 | no drugs | $6,700 | 4.0★ |
| Humana Value Choice (PPO)Humana · PPO · H5216-132-0 | $0 | $700 | $7,000 | 4.0★ |
| AARP Medicare Advantage from UHC ID-0003 (PPO)UnitedHealthcare · PPO · H2406-065-0 | $0 | $685 | $7,150 | 4.0★ |
| Humana Value Choice (PPO)Humana · PPO · H7617-031-0 | $0 | $700 | $7,150 | 4.5★ |
| PacificSource Medicare Idaho Basic (HMO-POS)PacificSource Medicare · HMO-POS · H3864-050-0 | $0 | no drugs | $7,150 | 3.0★ |
| Humana USAA Honor Giveback (PPO)Humana · PPO · H5216-427-4 | $0 | no drugs | $9,150 | 4.0★ |
| True Blue Rx 32PSP (HMO)Blue Cross of Idaho · HMO · H1350-032-0 · was $16 in 2026 | $24 | $205 | $5,900 | 3.0★ |
| Humana Full Access (PPO)Humana · PPO · H7617-028-0 · was $29 in 2026 | $30 | $700 | $5,900 | 4.5★ |
| AARP Medicare Advantage from UHC ID-0001 (PPO)UnitedHealthcare · PPO · H2406-044-0 · was $44 in 2026 | $33 | $685 | $6,700 | 4.0★ |
| True Blue Valor (HMO)Blue Cross of Idaho · HMO · H1350-006-0 | $34 | no drugs | $3,000 | 3.5★ |
| True Blue Rx 33 (HMO)Blue Cross of Idaho · HMO · H1350-033-0 · was $59 in 2026 | $64 | $205 | $5,900 | 3.0★ |
| AARP Medicare Advantage from UHC ID-0005 (HMO-POS)UnitedHealthcare · HMO-POS · H4604-012-0 · was $64 in 2026 | $65 | $685 | $6,300 | 4.0★ |
| St. Luke's Advantage Rx 01 (HMO)St. Luke's Health Plan · HMO · H3012-001-0 | $77 | $299 | $5,950 | new |
| PacificSource Medicare River Select Rx (HMO-POS)PacificSource Medicare · HMO-POS · H3864-049-0 | $84 | $700 | $7,150 | 3.0★ |
| HumanaChoice H5216-048 (PPO)Humana · PPO · H5216-048-0 · was $87 in 2026 | $97 | $700 | $7,000 | 4.0★ |
Compiled by Radif Partners from the CMS landscape file of September 2026 · How the data is read
Idaho has 33 Medicare Advantage plans open to everyone with Parts A and B for 2027, and only 6 of the 26 plans that include Part D charge no monthly premium, a small share by national standards. Premiums climb to $199 a month. The lowest in-network cap is $3,000, for True Blue Valor (HMO) from Blue Cross of Idaho, at $34; the median is $6,700. Choice follows the Snake River Plain: Ada County, around Boise, and Canyon County each list 19 open plans, while 5 counties, Benewah, Butte, Idaho, Lemhi and Lewis, have none, and Blaine County, around Sun Valley, has 1. 17 plans earn four or more stars for 2027. The open list moved from 36 plans in 2026 to 33. Idaho residents who keep Original Medicare can choose among 8 stand-alone drug plans.
Paying a premium is the norm
Only 6 drug-covering plans in Idaho are free each month for 2027. The rest add a plan premium to Part B, which itself costs $202.90 a month in 2026 and is projected at $209.50 for 2027 by the Medicare Trustees, a figure CMS confirms in the fall. A couple both on Part B feels that change twice; work it out below.
2027 Part B: projected, not final
Extra in 2027 if the projection holds
$158
| 2026 premiums | $4,870 |
| 2027 at the Trustees’ figure | $5,028 |
Gemstone Holdings, Inc. (11), Humana Inc. (9), UnitedHealth Group, Inc. (8), St. Luke's Health System, Inc. (3), PacificSource (2) file the most open segments. In the CMS file, Gemstone Holdings is the parent listed for Blue Cross of Idaho, and St. Luke's Health System, a hospital group, sponsors plans of its own. A plan run by a hospital system usually builds its network around that system's facilities, so check the directory if you use another hospital.
Central Idaho and the panhandle edge
The 5 counties with no open plan lie in the central mountains and the north: Benewah, Butte, Idaho, Lemhi, Lewis. In Blaine County, the single open plan leaves little to compare. Residents there usually choose Original Medicare, a Medigap policy and a Part D plan. Your Medigap open enrollment lasts 6 months after Part B starts at 65; after that, an insurer may review your health.
Where the menu is longest
Ada (19), Canyon (19), Payette (16), Boise (14) have the most plans, all in the southwest of the state. People in eastern Idaho near Idaho Falls or Pocatello see shorter lists and should check whether their usual hospital, which may sit across the line in Utah, is in network.
Special needs and ratings
Idaho counts 11 special needs plans: 5 for people who also have Idaho Medicaid, 4 for chronic conditions and 2 for nursing-home residents. The highest 2027 rating is 4.5 stars, for Humana Value Choice (PPO). See what a $0 plan really costs and the neighboring lists for Washington and Oregon.
Every county of Idaho, 2027
| County | Plans open to all | $0 with drugs | Lowest max out of pocket | Rated 4★ or more | vs 2026 |
|---|---|---|---|---|---|
| Ada | 19 | 5 | $3,000 | 12 | -4 |
| Adams | 4 | 0 | $5,100 | 4 | -6 |
| Bannock | 8 | 0 | $3,000 | 4 | -3 |
| Bear Lake | 4 | 0 | $5,100 | 4 | -3 |
| Benewah | 0 | 0 | none | 0 | -3 |
| Bingham | 7 | 0 | $3,000 | 4 | -4 |
| Blaine | 1 | 0 | $6,950 | 0 | -6 |
| Boise | 14 | 4 | $3,000 | 10 | -7 |
| Bonner | 8 | 0 | $3,000 | 3 | -2 |
| Bonneville | 11 | 1 | $3,000 | 7 | same |
| Boundary | 3 | 0 | $6,700 | 3 | -1 |
| Butte | 0 | 0 | none | 0 | same |
| Camas | 6 | 1 | $5,100 | 6 | -3 |
| Canyon | 19 | 5 | $3,000 | 12 | -4 |
| Caribou | 4 | 0 | $5,100 | 4 | -3 |
| Cassia | 3 | 0 | $3,000 | 0 | -7 |
| Clark | 7 | 1 | $5,100 | 7 | same |
| Clearwater | 3 | 0 | $6,700 | 3 | same |
| Custer | 3 | 1 | $6,700 | 3 | same |
| Elmore | 11 | 2 | $3,000 | 5 | -6 |
| Franklin | 4 | 0 | $5,100 | 4 | -3 |
| Fremont | 10 | 1 | $3,000 | 7 | same |
| Gem | 14 | 4 | $3,000 | 10 | -7 |
| Gooding | 8 | 1 | $3,000 | 3 | -4 |
| Idaho | 0 | 0 | none | 0 | -4 |
| Jefferson | 11 | 1 | $3,000 | 7 | same |
| Jerome | 6 | 0 | $3,000 | 0 | -6 |
| Kootenai | 8 | 0 | $3,000 | 3 | -2 |
| Latah | 2 | 0 | $6,750 | 0 | -2 |
| Lemhi | 0 | 0 | none | 0 | -3 |
| Lewis | 0 | 0 | none | 0 | -3 |
| Lincoln | 3 | 1 | $6,700 | 3 | -6 |
| Madison | 7 | 1 | $3,000 | 4 | -1 |
| Minidoka | 3 | 0 | $3,000 | 0 | -7 |
| Nez Perce | 2 | 0 | $6,750 | 0 | -2 |
| Oneida | 7 | 1 | $5,100 | 7 | same |
| Owyhee | 14 | 4 | $3,000 | 10 | -7 |
| Payette | 16 | 4 | $3,000 | 10 | -5 |
| Power | 10 | 1 | $3,000 | 7 | same |
| Shoshone | 6 | 0 | $3,000 | 3 | -1 |
| Teton | 3 | 0 | $5,100 | 3 | -3 |
| Twin Falls | 9 | 1 | $3,000 | 3 | -6 |
| Valley | 11 | 2 | $3,000 | 5 | -6 |
| Washington | 13 | 4 | $3,000 | 10 | -5 |
Stand-alone Part D plans in Idaho
| Plan | Monthly premium | With full Extra Help | Deductible | 2026 premium | 2027 Part D stars |
|---|---|---|---|---|---|
| Wellcare Value Script (PDP)Wellcare · S4802-162-0 | $5.30 | $5.30 | $700 | $9.60 | 3.0 |
| Wellcare Classic (PDP)Wellcare · S4802-021-0 · Extra Help benchmark | $7.30 | $0 | $700 | $23.70 | 3.0 |
| Humana Basic Rx Plan (PDP)Humana · S5884-147-0 · Extra Help benchmark | $30.60 | $0 | $700 | $0 | 4.5 |
| Humana Value Rx Plan (PDP)Humana · S5884-210-0 | $34.70 | $16.60 | $687 | $19.40 | 4.5 |
| AARP Medicare Rx Saver from UHC (PDP)UnitedHealthcare · S5921-375-0 | $92.70 | $47.20 | $700 | $56.50 | 3.0 |
| HealthSpring Assurance Rx (PDP)Blue Cross and Blue Shield of IL, NM, OK, TX · S5715-048-0 | $94.80 | $49.30 | $700 | new | 2.5 |
| Humana Premier Rx Plan (PDP)Humana · S5884-177-0 | $134 | $88.50 | $350 | $115.50 | 4.5 |
| AARP Medicare Rx Preferred from UHC (PDP)UnitedHealthcare · S5921-412-0 | $238 | $192.50 | $300 | $132.60 | 3.0 |