Medicare Advantage plans in Nevada for 2027
Las Vegas has some of the lowest out-of-pocket caps in the country, Reno has about half the choice, and five rural counties have no open plan.
Clark, Nevada: plans open to everyone on Parts A and B
39 plans
31 with a $0 premium and drug coverage · out-of-pocket limits $900 to $7,150 · best rating 4.5★ · 5 plan IDs of 2026 not renewed here
39 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 |
|---|---|---|---|---|
| AARP Medicare Advantage Essentials ValueRx NV-5 (HMO-POS)UnitedHealthcare · HMO-POS · H0609-038-0 | $0 | $310 | $900 | 4.0★ |
| SCAN Classic (HMO)SCAN Health Plan · HMO · H0978-001-0 | $0 | $0 | $900 | 3.5★ |
| SCAN Costco Medicare Advantage (HMO)SCAN Health Plan · HMO · H0978-012-0 | $0 | $0 | $900 | 3.5★ |
| Humana Gold Plus H1036-344 (HMO)Humana · HMO · H1036-344-0 | $0 | $250 | $925 | 4.5★ |
| Humana Gold Plus H6622-056 (HMO)Humana · HMO · H6622-056-0 | $0 | $250 | $925 | 4.0★ |
| Alignment Health + Intermountain Health 009 (HMO)Alignment Health Plan · HMO · H9686-009-0 | $0 | $0 | $999 | 4.0★ |
| Champion Ally (HMO)Champion Health Plan · HMO · H6474-007-0 | $0 | $0 | $999 | too few data |
| Select Health Medicare Essential (HMO)Select Health · HMO · H1994-012-0 | $0 | $0 | $1,000 | 4.0★ |
| Anthem I CareMore Medicare Advantage (HMO-POS)Anthem Blue Cross and Blue Shield · HMO-POS · H4346-001-0 | $0 | $95 | $1,250 | 3.5★ |
| Anthem Medicare Advantage (HMO-POS)Anthem Blue Cross and Blue Shield · HMO-POS · H4346-017-0 | $0 | $50 | $1,250 | 3.5★ |
| Alignment Health Platinum + Instacart 007 (HMO)Alignment Health Plan · HMO · H5296-007-0 | $0 | $0 | $1,499 | 4.5★ |
| Aetna Medicare Prime Extra (HMO)Aetna Medicare · HMO · H4711-002-0 | $0 | $700 | $1,500 | 3.0★ |
| Select Health Medicare Wellness (HMO)Select Health · HMO · H1994-044-0 | $0 | $300 | $1,500 | 4.0★ |
| AARP Medicare Advantage Extras ValueRx NV-10 (HMO-POS)UnitedHealthcare · HMO-POS · H0609-075-0 | $0 | $470 | $1,900 | 4.0★ |
| AARP Medicare Advantage from UHC NV-0001 (HMO-POS)UnitedHealthcare · HMO-POS · H0609-028-0 | $0 | $310 | $1,900 | 4.0★ |
| UHC Medicare Advantage NV-001P (HMO-POS)UnitedHealthcare · HMO-POS · H0609-032-0 | $0 | $310 | $1,900 | 4.0★ |
| HealthSpring Premier (HMO-POS)HealthSpring · HMO-POS · H4513-096-0 | $0 | $500 | $2,000 | 3.5★ |
| Alignment Health Smart 008 (HMO)Alignment Health Plan · HMO · H5296-008-0 | $0 | $700 | $2,499 | 4.5★ |
| Aetna Medicare Prime (HMO)Aetna Medicare · HMO · H3931-151-0 | $0 | $700 | $2,500 | 3.5★ |
| Select Health Medicare Value Giveback (HMO)Select Health · HMO · H1994-021-0 | $0 | $0 | $2,500 | 4.0★ |
| Humana Gold Plus H6622-028 (HMO)Humana · HMO · H6622-028-0 | $0 | $700 | $3,500 | 4.0★ |
| HealthSpring Preferred Savings (HMO)HealthSpring · HMO · H4513-095-0 | $0 | $700 | $3,700 | 3.5★ |
| Aetna Medicare Signature (HMO)Aetna Medicare · HMO · H3931-094-0 | $0 | $700 | $4,450 | 3.5★ |
| Humana Gold Plus Giveback H6622-082 (HMO)Humana · HMO · H6622-082-0 | $0 | $700 | $4,450 | 4.0★ |
| HumanaChoice H5216-281 (PPO)Humana · PPO · H5216-281-0 | $0 | $700 | $5,750 | 4.0★ |
| HumanaChoice H7617-070 (PPO)Humana · PPO · H7617-070-0 | $0 | $700 | $5,750 | 4.5★ |
| Aetna Medicare Elite (PPO)Aetna Medicare · PPO · H5521-299-0 | $0 | $700 | $6,350 | 4.0★ |
| Humana USAA Honor Giveback (PPO)Humana · PPO · H5216-216-0 | $0 | no drugs | $6,500 | 4.0★ |
| HumanaChoice Giveback H5216-141 (PPO)Humana · PPO · H5216-141-0 | $0 | $700 | $6,500 | 4.0★ |
| AARP Medicare Advantage from UHC NV-0007 (PPO)UnitedHealthcare · PPO · H2001-125-0 | $0 | $685 | $6,700 | 4.5★ |
| AARP Medicare Advantage Patriot No Rx NV-MA01 (PPO)UnitedHealthcare · PPO · H2001-126-0 | $0 | no drugs | $6,700 | 4.5★ |
| AARP Medicare Advantage Patriot No Rx NV-MA2 (HMO-POS)UnitedHealthcare · HMO-POS · H0609-084-0 | $0 | no drugs | $6,700 | 3.5★ |
| Aetna Medicare Eagle (PPO)Aetna Medicare · PPO · H5521-353-0 | $0 | no drugs | $6,750 | 4.5★ |
| Aetna Medicare Signature (PPO)Aetna Medicare · PPO · H5521-055-0 | $0 | $700 | $6,750 | 4.0★ |
| Select Health Medicare Veterans (HMO)Select Health · HMO · H1994-046-0 | $0 | no drugs | $7,100 | 4.0★ |
| AARP Medicare Advantage Giveback from UHC NV-8 (PPO)UnitedHealthcare · PPO · H2001-127-0 | $0 | $685 | $7,150 | 4.5★ |
| Aetna Medicare Value Care (HMO)Aetna Medicare · HMO · H3931-157-0 · was $9.50 in 2026 | $7.30 | $700 | $4,450 | 3.5★ |
| HumanaChoice H5216-037 (PPO)Humana · PPO · H5216-037-0 · was $15 in 2026 | $23 | $700 | $5,999 | 4.0★ |
| Aetna Medicare Enhanced (PPO)Aetna Medicare · PPO · H5521-022-0 · was $40 in 2026 | $35 | $700 | $5,500 | 4.0★ |
Compiled by Radif Partners from the CMS landscape file of September 2026 · How the data is read
Nevada's 2027 Medicare Advantage market is really a Las Vegas market: Clark County alone lists 39 of the state's 58 open-to-all plans, and 31 of them charge $0 a month. What sets the state apart is the cap on in-network spending. The median among Nevada plans is $3,950, against $6,550 for the country, and the lowest cap filed is $900. Washoe County around Reno has 18 plans. Five counties, Elko, Esmeralda, Lander, Lincoln, Pershing, have none. 37 plans earn four stars or more, the top one 5 stars. 40 special needs plans include 17 for chronic conditions such as diabetes or heart failure. Every plan sits in the county table below, and 9 stand-alone drug plans follow for people on Original Medicare.
Why southern Nevada caps sit so low
The $900 ceiling belongs to AARP Medicare Advantage Essentials ValueRx NV-5 (HMO-POS), from UnitedHealthcare, and it is not a lonely outlier: Clark County's median cap is $2,500. Las Vegas is a market of HMOs built around large medical groups paid a set amount per member, and 42 of Nevada's open plans are HMOs against 16 PPOs. When the group carries the cost risk, insurers can afford to promise a low ceiling. The trade is a closed network: outside emergencies, the plan pays only for its own doctors and hospitals.
A five-star plan in the mix
KP Medicare Liberty H2960-009 (HMO) from Kaiser Permanente rates 5 stars for 2027 with a $0 premium and a $2,350 cap. Five stars also opens a special enrollment window: you can switch into a plan whose contract holds five stars once in the contract year, from the December 8 before it through November 30 (42 CFR 422.62).
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 |
Even a $0 plan with a low cap leaves the Part B premium, projected at $209.50 a month for 2027, plus copays until the cap is reached. The figure above is what a light year and a worst year really cost.
Reno, Pahrump and the empty middle
Nye County, home to Pahrump, borrows much of the Las Vegas menu and reaches 34 plans. Washoe, Carson City and the counties around Lake Tahoe have fewer, with caps nearer $4,450. Across the northeast and the central basins the map empties. In Elko, Esmeralda, Lander, Lincoln, Pershing, no insurer filed an open plan for 2027, and Original Medicare with a Medigap policy is the main route, with drug coverage from one of the stand-alone plans. Humana Inc. (12), CVS Health Corporation (11), UnitedHealth Group, Inc. (10), Universal Health Services, Inc. (8) file the most plans statewide; Nevada had 64 in 2026, 6 fewer plans than now.
Every county of Nevada, 2027
| County | Plans open to all | $0 with drugs | Lowest max out of pocket | Rated 4★ or more | vs 2026 |
|---|---|---|---|---|---|
| Carson City | 11 | 6 | $999 | 6 | -2 |
| Churchill | 9 | 5 | $999 | 4 | same |
| Clark | 39 | 31 | $900 | 27 | -1 |
| Douglas | 8 | 4 | $4,000 | 4 | same |
| Elko | 0 | 0 | none | 0 | same |
| Esmeralda | 0 | 0 | none | 0 | same |
| Lander | 0 | 0 | none | 0 | same |
| Lincoln | 0 | 0 | none | 0 | same |
| Lyon | 10 | 5 | $3,500 | 6 | -1 |
| Mineral | 4 | 3 | $4,450 | 4 | same |
| Nye | 34 | 26 | $900 | 25 | +1 |
| Pershing | 0 | 0 | none | 0 | same |
| Storey | 10 | 5 | $2,350 | 6 | -2 |
| Washoe | 18 | 10 | $999 | 11 | -7 |
Stand-alone Part D plans in Nevada
| Plan | Monthly premium | With full Extra Help | Deductible | 2026 premium | 2027 Part D stars |
|---|---|---|---|---|---|
| Wellcare Value Script (PDP)Wellcare · S4802-161-0 | $5.30 | $5.30 | $700 | $2.70 | 3.0 |
| Wellcare Classic (PDP)Wellcare · S4802-093-0 · Extra Help benchmark | $7.30 | $0 | $700 | $2.70 | 3.0 |
| Humana Basic Rx Plan (PDP)Humana · S5884-112-0 | $11.30 | $4 | $700 | $0 | 4.5 |
| Humana Value Rx Plan (PDP)Humana · S5884-208-0 | $86.30 | $79 | $687 | $43.70 | 4.5 |
| HealthSpring Assurance Rx (PDP)Blue Cross and Blue Shield of IL, NM, OK, TX · S5715-046-0 | $86.60 | $79.30 | $700 | new | 2.5 |
| AARP Medicare Rx Saver from UHC (PDP)UnitedHealthcare · S5921-373-0 | $138.10 | $130.80 | $700 | $76.70 | 3.0 |
| SilverScript Choice (PDP)Aetna Medicare · S5601-058-0 | $140 | $132.70 | $700 | $97.40 | 2.5 |
| Humana Premier Rx Plan (PDP)Humana · S5884-175-0 | $168 | $160.70 | $350 | $148.70 | 4.5 |
| AARP Medicare Rx Preferred from UHC (PDP)UnitedHealthcare · S5921-410-0 | $232.60 | $225.30 | $300 | $139.10 | 3.0 |