Medicare Advantage plans in Clark County, Nevada (2027)
Las Vegas pairs premiums that never pass $35 a month with yearly caps that start at $900: cheap to hold and cheap in a bad year.
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 · all Nevada counties and drug plans
Clark County's Medicare Advantage plans are inexpensive for 2027 on both sides of the bill, the monthly premium and the yearly cap. None of its 39 plans open to anyone with Parts A and B charges more than $35 a month, 31 drug-covering plans charge nothing, and in-network caps start at $900 with SCAN Costco Medicare Advantage (HMO). The median cap, $2,500, is a fraction of the national median of $6,550, and even the highest, $7,150, stays below the top caps filed elsewhere. 27 plans hold four stars or more in the 2027 ratings, with AARP Medicare Advantage Patriot No Rx NV-MA01 (PPO) at 4.5. The market barely changed: 40 open plans in 2026, 39 now, 5 IDs gone and 4 added. Humana, UnitedHealthcare and Aetna lead, and Select Health from Utah files 4. There are 33 special needs plans as well.
When the plan costs little, drugs set the bill
With caps this low and premiums this small, the part of the year that can still hurt in Las Vegas is the pharmacy counter. Drug costs are not counted in the medical cap. For 2027 the Part D rules let a plan charge a deductible of up to $700, then 25 % of the drug price, until your yearly drug spending reaches $2,400. A member on an expensive brand drug can reach that limit in January. The Medicare Prescription Payment Plan lets you spread those costs over the remaining months instead (42 CFR 423.137).
Spread the bill: the payment plan
Per month with the payment plan
$200
| January without it | $1,150 |
| Year total, the same either way | $2,400 |
Who sells plans in Clark County
Humana Inc.: 9; UnitedHealth Group, Inc.: 8; CVS Health Corporation: 8; Intermountain Health Care, Inc.: 4; Alignment Healthcare USA, LLC: 3; Health Care Service Corporation: 2. SCAN and Champion Health Plan come with low caps; Alignment Health's Smart 008 plan carries the best rating. Senior Care Plus Complete, Wellcare Simple, SCAN MyChoice, an AARP plan and Aetna Medicare Signature are the IDs that did not return.
Henderson, North Las Vegas, Mesquite: one list
All of Clark County shares the same menu, from Boulder City to Mesquite. Nye County, which includes Pahrump, lists 34 open plans; Washoe County, around Reno, has 18, with a median cap of $4,450. Statewide, Nevada counts 58 open plans. A move from Las Vegas to Reno therefore means a shorter list and higher caps, and it opens a special enrollment period to choose again.
2026 plans not filed again here for 2027
These plan IDs were offered in Clark County in 2026 and do not appear for the county in the 2027 file. A plan can be closed, moved out of the county or merged into another ID; the insurer must tell its members in the Annual Notice of Change sent by September 30.
- Wellcare Simple (HMO-POS) (Wellcare, H0351-067-0, insurer still present)
- AARP Medicare Advantage from UHC NV-0002 (HMO-POS) (UnitedHealthcare, H0609-031-0, insurer still present)
- SCAN MyChoice (HMO) (SCAN Health Plan, H0978-011-0, insurer still present)
- Senior Care Plus Complete Plan (HMO) (Kaiser Permanente, H2960-019-0)
- Aetna Medicare Signature (HMO) (Aetna Medicare, H4711-001-0, insurer still present)