Medicare Advantage plans in Maine for 2027
A small market with a local player: Martin's Point files as many plans as Humana, and fewer than one Maine plan in three is free.
Kennebec, Maine: plans open to everyone on Parts A and B
23 plans
7 with a $0 premium and drug coverage · out-of-pocket limits $4,950 to $9,850 · best rating 4.5★ · 9 plan IDs of 2026 not renewed here
23 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 · H5216-059-0 | $0 | no drugs | $4,950 | 4.0★ |
| Martin's Point Generations Advantage Alliance (HMO)Martin's Point Generations Advantage · HMO · H5591-003-0 | $0 | no drugs | $5,000 | 3.5★ |
| AARP Medicare Advantage from UHC ME-0002 (PPO)UnitedHealthcare · PPO · H2001-153-0 | $0 | $685 | $7,150 | 4.5★ |
| AARP Medicare Advantage Patriot No Rx ME-MA01 (PPO)UnitedHealthcare · PPO · H2001-021-0 | $0 | no drugs | $7,150 | 4.5★ |
| Aetna Medicare Eagle Giveback (PPO)Aetna Medicare · PPO · H5521-296-0 | $0 | no drugs | $7,150 | 4.5★ |
| Humana Gold Plus H5619-001 (HMO)Humana · HMO · H5619-001-0 | $0 | $700 | $7,150 | 4.0★ |
| HumanaChoice Giveback H5216-138 (PPO)Humana · PPO · H5216-138-0 | $0 | $700 | $7,150 | 4.0★ |
| HumanaChoice Giveback H5216-478 (PPO)Humana · PPO · H5216-478-0 | $0 | $700 | $7,150 | 4.0★ |
| HumanaChoice Giveback H7617-046 (PPO)Humana · PPO · H7617-046-0 | $0 | $700 | $7,150 | 4.5★ |
| HumanaChoice H5216-175 (PPO)Humana · PPO · H5216-175-0 | $0 | $600 | $7,150 | 4.0★ |
| Anthem I MaineHealth Advantage Veteran (HMO-POS)AMH Health · HMO-POS · H9065-015-0 | $0 | no drugs | $9,850 | 3.0★ |
| Humana Gold Plus Giveback H5619-066 (HMO)Humana · HMO · H5619-066-0 | $0 | $700 | $9,850 | 4.0★ |
| Wellcare Patriot Giveback Open (PPO)Wellcare · PPO · H2775-116-0 | $0 | no drugs | $9,850 | 3.0★ |
| Humana Gold Plus H5619-137 (HMO)Humana · HMO · H5619-137-0 | $14 | $700 | $6,900 | 4.0★ |
| Martin's Point Generations Advantage Essential (HMO)Martin's Point Generations Advantage · HMO · H5591-018-0 · was $0 in 2026 | $15 | $300 | $9,500 | 3.5★ |
| Anthem I MaineHealth Advantage Plus (HMO)AMH Health · HMO · H9065-008-0 · was $25 in 2026 | $33 | $235 | $6,800 | 3.5★ |
| Humana Gold Plus H5619-186 (HMO)Humana · HMO · H5619-186-0 | $37 | $700 | $6,900 | 4.0★ |
| Wellcare Low Premium Open (PPO)Wellcare · PPO · H2775-109-0 · was $35 in 2026 | $44.50 | $700 | $9,850 | 3.0★ |
| AARP Medicare Advantage from UHC ME-0001 (HMO-POS)UnitedHealthcare · HMO-POS · H5253-162-1 · was $34 in 2026 | $48 | $685 | $7,150 | 4.0★ |
| Martin's Point Generations Advantage Prime (HMO)Martin's Point Generations Advantage · HMO · H5591-022-0 | $60 | $500 | $7,150 | 3.5★ |
| AARP Medicare Advantage from UHC ME-0003 (PPO)UnitedHealthcare · PPO · H2001-010-0 · was $84 in 2026 | $89 | $685 | $7,150 | 4.5★ |
| Martin's Point Generations Advantage Select (PPO)Martin's Point Generations Advantage · PPO · H1365-007-0 | $105 | $500 | $7,000 | 3.0★ |
| Aetna Medicare Signature (HMO-POS)Aetna Medicare · HMO-POS · H3597-018-0 · was $74 in 2026 | $105 | $400 | $7,150 | 4.0★ |
Compiled by Radif Partners from the CMS landscape file of September 2026 · How the data is read
Maine has 32 Medicare Advantage plans open to anyone with Parts A and B for 2027, down from 36 in 2026, filed by 6 insurers. Only 8 of the 26 drug-covering plans charge a $0 premium, a much lower share than in the South or the Sun Belt. Caps are on the high side: the lowest in-network out-of-pocket maximum is $4,950 and the median $7,150, against a national median of $6,550. The good news is quality: 18 plans hold four stars or more for 2027. Choice narrows from south to north, from 23 open plans in Kennebec County to 9 in Somerset. Every Maine county has at least one plan. For people who keep Original Medicare, 8 stand-alone drug plans are sold statewide, the cheapest at $5.30 a month.
A local insurer next to the national brands
Humana Inc. (9), Martin's Point Health Care, Inc. (9), UnitedHealth Group, Inc. (5), CVS Health Corporation (4), Elevance Health, Inc. (3), Centene Corporation (2) file the most open plans in Maine. Martin's Point, a Portland-based nonprofit with its own primary care centers, files as many plan segments as Humana. That matters for people who already see a Martin's Point doctor, and less for those whose care is in Bangor or the County, where networks thin out.
Giveback plans
Several Maine plans carry "Giveback" in their names, such as Humana USAA Honor Giveback (PPO), which also has the state's lowest cap at $4,950. These plans return part of the Part B premium through the Social Security deduction; the amount is in the plan's Summary of Benefits, not in the CMS file. Some of them have no drug coverage, which suits veterans who use VA pharmacies but would leave others without Part D.
What an out-of-pocket cap is worth in a bad year
The cap saves
$6,872
| Original Medicare alone (20%, 1 admission) | $14,022 |
| With the plan’s cap | $7,150 |
From Kennebec to Aroostook
Kennebec County, around Augusta, lists 23 open plans, 7 of them free with drugs. Aroostook, the largest county east of the Mississippi, lists 13, with a lowest cap of $4,950. Distances there make the network question decisive: check that the hospital in Presque Isle, Caribou or Houlton is in network before choosing an HMO. Kennebec (23), Cumberland (22), York (22), Androscoggin (20) lead the state; Somerset (9), Hancock (10), Piscataquis (11) close the list.
The open list fell by 4 plans from 2026, and stand-alone drug plans from 9 to 8. Next door, compare New Hampshire and Vermont.
Every county of Maine, 2027
| County | Plans open to all | $0 with drugs | Lowest max out of pocket | Rated 4★ or more | vs 2026 |
|---|---|---|---|---|---|
| Androscoggin | 20 | 6 | $4,950 | 12 | -4 |
| Aroostook | 13 | 5 | $4,950 | 7 | -6 |
| Cumberland | 22 | 8 | $4,950 | 14 | -4 |
| Franklin | 17 | 5 | $4,950 | 10 | -5 |
| Hancock | 10 | 4 | $4,950 | 6 | -8 |
| Kennebec | 23 | 7 | $4,950 | 15 | -3 |
| Knox | 18 | 6 | $4,950 | 11 | -4 |
| Lincoln | 19 | 5 | $4,950 | 12 | -5 |
| Oxford | 17 | 4 | $4,950 | 9 | -4 |
| Penobscot | 18 | 5 | $4,950 | 10 | -3 |
| Piscataquis | 11 | 5 | $4,950 | 7 | -8 |
| Sagadahoc | 18 | 7 | $4,950 | 11 | -7 |
| Somerset | 9 | 4 | $4,950 | 6 | -6 |
| Waldo | 17 | 5 | $4,950 | 10 | -5 |
| Washington | 11 | 5 | $4,950 | 7 | -7 |
| York | 22 | 8 | $4,950 | 14 | -3 |
Stand-alone Part D plans in Maine
| Plan | Monthly premium | With full Extra Help | Deductible | 2026 premium | 2027 Part D stars |
|---|---|---|---|---|---|
| Wellcare Value Script (PDP)Wellcare · S4802-136-0 | $5.30 | $5.30 | $700 | $0 | 3.0 |
| Humana Basic Rx Plan (PDP)Humana · S5884-101-0 · Extra Help benchmark | $6.30 | $0 | $700 | $0 | 4.5 |
| Wellcare Classic (PDP)Wellcare · S4802-075-0 · Extra Help benchmark | $7.30 | $0 | $700 | $0 | 3.0 |
| HealthSpring Assurance Rx (PDP)Blue Cross and Blue Shield of IL, NM, OK, TX · S5715-022-0 | $14.70 | $7.20 | $700 | new | 2.5 |
| Humana Value Rx Plan (PDP)Humana · S5884-181-0 | $60.70 | $53.20 | $687 | $54.40 | 4.5 |
| AARP Medicare Rx Saver from UHC (PDP)UnitedHealthcare · S5921-378-0 | $162.70 | $155.20 | $700 | $82.40 | 3.0 |
| Humana Premier Rx Plan (PDP)Humana · S5884-148-0 | $169.20 | $161.70 | $350 | $150.20 | 4.5 |
| AARP Medicare Rx Preferred from UHC (PDP)UnitedHealthcare · S5921-384-0 | $175.80 | $168.30 | $300 | $104.30 | 3.0 |