Medicare Advantage plans in North Carolina for 2027
The Piedmont Triad, not Charlotte or Raleigh, has the longest plan lists in the state; the Crystal Coast has the shortest.
Mecklenburg, North Carolina: plans open to everyone on Parts A and B
50 plans
29 with a $0 premium and drug coverage · out-of-pocket limits $3,500 to $9,850 · best rating 4.5★ · 12 plan IDs of 2026 not renewed here
50 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 |
|---|---|---|---|---|
| Alignment Health Platinum 012 (HMO)Alignment Health Plan · HMO · H5296-012-0 | $0 | $225 | $3,500 | 4.5★ |
| Blue Medicare Medical Only (HMO-POS)Blue Cross and Blue Shield of North Carolina · HMO-POS · H3449-012-0 | $0 | no drugs | $3,900 | 4.5★ |
| HealthSpring Preferred (HMO)HealthSpring · HMO · H9725-009-1 | $0 | $400 | $3,900 | 3.0★ |
| Humana Gold Plus H1036-335 (HMO-POS)Humana · HMO-POS · H1036-335-2 | $0 | $700 | $3,950 | 4.5★ |
| AARP Medicare Advantage from UHC NC-15 (HMO-POS)UnitedHealthcare · HMO-POS · H5253-117-0 | $0 | $685 | $4,450 | 4.0★ |
| DEVOTED CORE 037 NC (HMO)Devoted Health · HMO · H5299-037-0 | $0 | $650 | $4,950 | 4.5★ |
| HealthTeam Advantage Vitality Plan (PPO)HealthTeam Advantage · PPO · H9808-010-0 | $0 | $595 | $5,200 | 3.5★ |
| Aetna Medicare Signature (HMO)Aetna Medicare · HMO · H3146-001-0 | $0 | $400 | $5,500 | 3.5★ |
| AARP Medicare Advantage from UHC NC-0022 (HMO-POS)UnitedHealthcare · HMO-POS · H5253-038-0 | $0 | $685 | $5,900 | 4.0★ |
| Aetna Medicare Signature (PPO)Aetna Medicare · PPO · H5521-081-0 | $0 | $500 | $5,900 | 4.0★ |
| Blue Medicare Essential Plus (HMO-POS)Blue Cross and Blue Shield of North Carolina · HMO-POS · H3449-023-1 | $0 | $700 | $5,900 | 4.0★ |
| DEVOTED CHOICE 001 NC (PPO)Devoted Health · PPO · H9700-001-0 | $0 | $461 | $6,150 | 4.0★ |
| Alignment Health Smart 013 (HMO)Alignment Health Plan · HMO · H5296-013-0 | $0 | $700 | $6,500 | 4.5★ |
| Wellcare Assist Open (PPO)Wellcare · PPO · H1914-009-0 · was $31 in 2026 | $0 | $700 | $6,500 | 3.0★ |
| Wellcare Simple (HMO-POS)Wellcare · HMO-POS · H4073-001-0 | $0 | $700 | $6,700 | 3.5★ |
| HealthSpring Courage (HMO)HealthSpring · HMO · H9725-005-0 | $0 | no drugs | $6,750 | 3.0★ |
| HealthSpring Preferred Savings (HMO)HealthSpring · HMO · H9725-015-1 | $0 | $600 | $6,750 | 3.0★ |
| DEVOTED GIVEBACK EXTRAS 039 NC (HMO)Devoted Health · HMO · H5299-039-0 | $0 | $700 | $7,050 | 4.5★ |
| HealthSpring True Choice (PPO)HealthSpring · PPO · H7849-113-1 | $0 | $500 | $7,100 | 3.0★ |
| AARP Medicare Advantage from UHC NC-0017 (PPO)UnitedHealthcare · PPO · H2406-098-0 | $0 | $685 | $7,150 | 4.0★ |
| Aetna Medicare Eagle (PPO)Aetna Medicare · PPO · H5521-241-0 | $0 | no drugs | $7,150 | 4.5★ |
| Wellcare Simple Open (PPO)Wellcare · PPO · H1914-007-0 | $0 | $700 | $7,150 | 3.0★ |
| Aetna Medicare Signature Giveback (PPO)Aetna Medicare · PPO · H5521-348-0 | $0 | $700 | $7,500 | 4.0★ |
| HealthTeam Advantage Eagle Plan (PPO)HealthTeam Advantage · PPO · H9808-009-0 | $0 | no drugs | $8,500 | 4.0★ |
| Wellcare Patriot Giveback Open (PPO)Wellcare · PPO · H1914-011-0 | $0 | no drugs | $8,850 | 3.0★ |
| DEVOTED CHOICE GIVEBACK 002 NC (PPO)Devoted Health · PPO · H9700-002-0 | $0 | $461 | $9,250 | 4.0★ |
| DEVOTED CHOICE MA ONLY 007 NC (PPO)Devoted Health · PPO · H9700-007-0 | $0 | no drugs | $9,250 | 4.5★ |
| AARP Medicare Advantage Patriot No Rx NC-MA02 (HMO-POS)UnitedHealthcare · HMO-POS · H5253-040-0 | $0 | no drugs | $9,300 | 3.5★ |
| AARP Medicare Advantage Giveback from UHC NC-14 (HMO-POS)UnitedHealthcare · HMO-POS · H5253-110-0 | $0 | $685 | $9,500 | 4.0★ |
| Blue Medicare Essential (HMO)Blue Cross and Blue Shield of North Carolina · HMO · H3449-027-1 | $0 | $700 | $9,850 | 4.0★ |
| Blue Medicare Freedom+ (PPO)Blue Cross and Blue Shield of North Carolina · PPO · H3404-004-0 | $0 | no drugs | $9,850 | 4.5★ |
| DEVOTED GIVEBACK 012 NC (HMO)Devoted Health · HMO · H5299-012-0 | $0 | $461 | $9,850 | 4.5★ |
| Humana Gold Plus Giveback H1036-318 (HMO-POS)Humana · HMO-POS · H1036-318-0 | $0 | $700 | $9,850 | 4.5★ |
| Humana Gold Plus Giveback H1036-343 (HMO-POS)Humana · HMO-POS · H1036-343-0 | $0 | $700 | $9,850 | 4.5★ |
| Humana Gold Plus H1036-137 (HMO-POS)Humana · HMO-POS · H1036-137-0 | $0 | $450 | $9,850 | 4.5★ |
| Humana USAA Honor Giveback (PPO)Humana · PPO · H5216-343-0 | $0 | no drugs | $9,850 | 4.0★ |
| Humana USAA Honor Giveback (PPO)Humana · PPO · H5525-065-0 | $0 | no drugs | $9,850 | 4.0★ |
| Humana USAA Honor Giveback (Regional PPO)Humana · Regional PPO · R0110-006-0 | $0 | no drugs | $9,850 | 3.5★ |
| HumanaChoice Giveback H5216-017 (PPO)Humana · PPO · H5216-017-0 | $0 | $700 | $9,850 | 4.0★ |
| HumanaChoice Giveback H5525-035 (PPO)Humana · PPO · H5525-035-0 | $0 | $700 | $9,850 | 4.0★ |
| HumanaChoice R0110-004 (Regional PPO)Humana · Regional PPO · R0110-004-0 | $0 | no drugs | $9,850 | 3.5★ |
| HumanaChoice H7617-122 (PPO)Humana · PPO · H7617-122-0 | $13 | $700 | $9,850 | 4.5★ |
| HumanaChoice H5525-070 (PPO)Humana · PPO · H5525-070-0 · was $24 in 2026 | $13.30 | $700 | $9,850 | 4.0★ |
| Blue Medicare Enhanced (HMO-POS)Blue Cross and Blue Shield of North Carolina · HMO-POS · H3449-024-1 · was $30 in 2026 | $41 | $700 | $4,900 | 4.0★ |
| AARP Medicare Advantage from UHC NC-0021 (HMO-POS)UnitedHealthcare · HMO-POS · H5253-037-0 · was $37 in 2026 | $42 | $595 | $4,900 | 4.0★ |
| Humana Gold Choice H8145-004 (PFFS)Humana · PFFS · H8145-004-0 · was $7 in 2026 | $43 | $700 | $9,850 | 4.0★ |
| Blue Medicare PPO Enhanced (PPO)Blue Cross and Blue Shield of North Carolina · PPO · H3404-003-1 · was $35 in 2026 | $45 | $700 | $6,900 | 4.5★ |
| AARP Medicare Advantage from UHC NC-0016 (PPO)UnitedHealthcare · PPO · H2406-034-0 | $53 | $595 | $4,450 | 4.0★ |
| HumanaChoice H5216-211 (PPO)Humana · PPO · H5216-211-0 · was $54 in 2026 | $67 | $700 | $9,850 | 4.0★ |
| Humana Full Access (Regional PPO)Humana · Regional PPO · R0110-005-0 · was $117 in 2026 | $158 | $700 | $9,850 | 3.5★ |
Compiled by Radif Partners from the CMS landscape file of September 2026 · How the data is read
North Carolina has 120 Medicare Advantage plans open to anyone with Parts A and B for 2027, and a resident of Greensboro or Winston-Salem sees more of them than anyone else in the state: Davidson, Guilford, Forsyth counties each list 56 or more. Mecklenburg County, with Charlotte, has 50; Wake, with Raleigh, 35. Along the coast the count falls to 11 in Carteret County. 83 drug-covering plans charge no premium, among the largest such groups in the country. Caps on in-network spending run from $3,400 to $9,850, median $6,950. 90 plans earn at least four stars for 2027. Two companies tie for the most filings, Humana Inc. and Devoted Health, Inc., with 24 each. 59 special needs plans and 11 stand-alone drug plans complete the tables below.
Why the Triad outnumbers the big metros
Plan counts follow service areas, and service areas follow hospital networks. The counties between Greensboro, Winston-Salem and High Point sit within reach of several large systems at once, so insurers file overlapping HMOs and PPOs there: Davidson 57, Guilford 57, Forsyth 56, Davie 55, Randolph 54. Charlotte and Raleigh have fewer, though still a wide choice. A plan's name may be identical in two counties while its network differs, which is why the county page, not the state total, is the place to compare.
The coast and the drug-free plans
Carteret (11), Craven (13), Onslow (14) have the thinnest menus, a contrast with the Triad that surprises people who retire to the Outer Banks or Morehead City. Statewide, 13 of the open plans leave out Part D entirely; their names usually say "No Rx" or "MA only". They exist for people who already have drug coverage from another creditable source, and joining one without such coverage can trigger a lifetime late penalty on drug coverage later.
Low caps in the right places
The lowest in-network maximum, $3,400, belongs to Alignment Health Smart 006 (HMO), which also rates 4.5 stars at a $0 premium. Humana Gold Plus H1036-233 (HMO-POS) pairs 4.5 stars with a $9,850 cap. These plans are not sold in every county; the table shows where.
The drug side of a North Carolina plan
Every plan with drug coverage applies the 2027 standard benefit at most: a deductible of up to $700, up from $615, and a yearly cap on drug spending of $2,400, up from $2,100 (CMS 2027 Rate Announcement). Many Advantage plans set a lower deductible; 1 of the stand-alone plans sold in the state has none.
Same drugs, 2026 rules against 2027 rules
Change for 2027
+$300
| 2026 ($615 / $2,100) | $2,100 |
| 2027 ($700 / $2,400) | $2,400 |
Every county of North Carolina, 2027
| County | Plans open to all | $0 with drugs | Lowest max out of pocket | Rated 4★ or more | vs 2026 |
|---|---|---|---|---|---|
| Alamance | 53 | 31 | $3,900 | 35 | -2 |
| Alexander | 48 | 29 | $3,900 | 32 | -1 |
| Alleghany | 38 | 21 | $3,900 | 24 | same |
| Anson | 47 | 27 | $3,900 | 31 | -1 |
| Ashe | 34 | 18 | $3,900 | 25 | +1 |
| Avery | 43 | 22 | $3,400 | 33 | -6 |
| Beaufort | 23 | 9 | $3,900 | 18 | -1 |
| Bertie | 20 | 7 | $3,900 | 15 | -2 |
| Bladen | 39 | 19 | $3,900 | 28 | same |
| Brunswick | 38 | 19 | $3,900 | 31 | +4 |
| Buncombe | 44 | 24 | $3,400 | 33 | -5 |
| Burke | 39 | 23 | $3,900 | 28 | -6 |
| Cabarrus | 43 | 24 | $3,500 | 29 | -1 |
| Caldwell | 42 | 25 | $3,900 | 31 | same |
| Camden | 21 | 7 | $3,900 | 16 | -2 |
| Carteret | 11 | 4 | $3,900 | 8 | -1 |
| Caswell | 46 | 25 | $3,900 | 34 | same |
| Catawba | 49 | 29 | $3,900 | 34 | -1 |
| Chatham | 38 | 20 | $3,400 | 26 | -9 |
| Cherokee | 28 | 13 | $3,900 | 23 | -2 |
| Chowan | 23 | 8 | $3,900 | 18 | same |
| Clay | 36 | 20 | $3,900 | 27 | same |
| Cleveland | 43 | 24 | $3,900 | 29 | -3 |
| Columbus | 40 | 19 | $3,900 | 29 | -1 |
| Craven | 13 | 4 | $3,900 | 9 | -1 |
| Cumberland | 40 | 21 | $3,900 | 30 | +2 |
| Currituck | 27 | 11 | $3,900 | 22 | same |
| Dare | 20 | 6 | $3,900 | 15 | +1 |
| Davidson | 57 | 33 | $3,400 | 38 | -3 |
| Davie | 55 | 32 | $3,400 | 37 | -1 |
| Duplin | 30 | 14 | $3,900 | 21 | -2 |
| Durham | 41 | 23 | $3,900 | 25 | -5 |
| Edgecombe | 26 | 10 | $3,900 | 21 | -1 |
| Forsyth | 56 | 33 | $3,400 | 38 | -4 |
| Franklin | 33 | 17 | $3,900 | 23 | -3 |
| Gaston | 47 | 26 | $3,500 | 33 | same |
| Gates | 27 | 10 | $3,900 | 22 | -1 |
| Graham | 35 | 18 | $3,900 | 26 | -2 |
| Granville | 32 | 16 | $3,900 | 22 | -1 |
| Greene | 29 | 12 | $3,900 | 20 | -4 |
| Guilford | 57 | 34 | $3,400 | 37 | -3 |
| Halifax | 28 | 12 | $3,900 | 23 | -1 |
| Harnett | 35 | 18 | $3,900 | 24 | same |
| Haywood | 40 | 22 | $3,900 | 30 | +1 |
| Henderson | 44 | 24 | $3,400 | 33 | -4 |
| Hertford | 26 | 11 | $3,900 | 21 | -1 |
| Hoke | 36 | 17 | $3,900 | 26 | -1 |
| Hyde | 25 | 11 | $3,900 | 20 | -1 |
| Iredell | 50 | 30 | $3,900 | 34 | -1 |
| Jackson | 37 | 20 | $3,900 | 27 | +1 |
| Johnston | 36 | 18 | $3,400 | 26 | -10 |
| Jones | 27 | 10 | $3,900 | 19 | -4 |
| Lee | 31 | 14 | $3,900 | 23 | -2 |
| Lenoir | 24 | 9 | $3,900 | 19 | -1 |
| Lincoln | 48 | 28 | $3,900 | 33 | -1 |
| Macon | 30 | 14 | $3,900 | 21 | -1 |
| Madison | 42 | 22 | $3,400 | 32 | -5 |
| Martin | 32 | 14 | $3,900 | 24 | -1 |
| McDowell | 44 | 25 | $3,400 | 32 | -5 |
| Mecklenburg | 50 | 29 | $3,500 | 36 | -6 |
| Mitchell | 38 | 20 | $3,400 | 27 | -7 |
| Montgomery | 39 | 19 | $3,900 | 26 | -2 |
| Moore | 39 | 19 | $3,900 | 28 | same |
| Nash | 23 | 10 | $3,900 | 17 | -1 |
| New Hanover | 37 | 19 | $3,900 | 30 | +4 |
| Northampton | 24 | 8 | $3,900 | 19 | -3 |
| Onslow | 14 | 4 | $3,900 | 10 | -1 |
| Orange | 48 | 27 | $3,400 | 29 | -6 |
| Pamlico | 26 | 11 | $3,900 | 21 | same |
| Pasquotank | 25 | 11 | $3,900 | 20 | -1 |
| Pender | 38 | 18 | $3,900 | 31 | +3 |
| Perquimans | 24 | 11 | $3,900 | 19 | -1 |
| Person | 46 | 26 | $3,900 | 33 | -1 |
| Pitt | 21 | 6 | $3,900 | 16 | -1 |
| Polk | 35 | 19 | $3,900 | 25 | -6 |
| Randolph | 54 | 32 | $3,900 | 35 | -1 |
| Richmond | 36 | 18 | $3,900 | 25 | -2 |
| Robeson | 32 | 15 | $3,900 | 22 | -2 |
| Rockingham | 53 | 31 | $3,900 | 35 | same |
| Rowan | 51 | 30 | $3,500 | 36 | +1 |
| Rutherford | 35 | 18 | $3,900 | 27 | -3 |
| Sampson | 30 | 15 | $3,900 | 20 | -1 |
| Scotland | 32 | 12 | $3,900 | 21 | -3 |
| Stanly | 39 | 19 | $3,900 | 29 | -1 |
| Stokes | 51 | 29 | $3,900 | 34 | -1 |
| Surry | 31 | 16 | $3,900 | 25 | +2 |
| Swain | 35 | 17 | $3,900 | 25 | -2 |
| Transylvania | 40 | 22 | $3,400 | 29 | -5 |
| Tyrrell | 28 | 13 | $3,900 | 20 | -2 |
| Union | 47 | 27 | $3,900 | 33 | -3 |
| Vance | 32 | 15 | $3,900 | 22 | -2 |
| Wake | 35 | 20 | $3,400 | 24 | -12 |
| Warren | 33 | 14 | $3,900 | 24 | -1 |
| Washington | 23 | 8 | $3,900 | 18 | -3 |
| Watauga | 30 | 14 | $3,900 | 21 | -3 |
| Wayne | 22 | 9 | $3,900 | 17 | -1 |
| Wilkes | 48 | 27 | $3,400 | 32 | same |
| Wilson | 20 | 7 | $3,900 | 14 | -4 |
| Yadkin | 49 | 28 | $3,900 | 32 | -1 |
| Yancey | 38 | 19 | $3,900 | 28 | -7 |
Stand-alone Part D plans in North Carolina
| Plan | Monthly premium | With full Extra Help | Deductible | 2026 premium | 2027 Part D stars |
|---|---|---|---|---|---|
| Wellcare Value Script (PDP)Wellcare · S4802-143-0 | $5.30 | $5.30 | $700 | $3.60 | 3.0 |
| Wellcare Classic (PDP)Wellcare · S4802-081-0 · Extra Help benchmark | $7.30 | $0 | $700 | $4.70 | 3.0 |
| Humana Basic Rx Plan (PDP)Humana · S5884-133-0 · Extra Help benchmark | $12.30 | $0 | $700 | $6.80 | 4.5 |
| Humana Value Rx Plan (PDP)Humana · S5884-187-0 | $51.30 | $38 | $687 | $32 | 4.5 |
| Blue Medicare Rx Standard (PDP)Blue Cross and Blue Shield of North Carolina · S5540-002-0 | $92.10 | $78.80 | $700 | $83.90 | 2.5 |
| Humana Premier Rx Plan (PDP)Humana · S5884-154-0 | $130.20 | $116.90 | $350 | $110.90 | 4.5 |
| SilverScript Choice (PDP)Aetna Medicare · S5601-016-0 | $143.50 | $130.20 | $700 | $90.20 | 2.5 |
| HealthSpring Assurance Rx (PDP)Blue Cross and Blue Shield of IL, NM, OK, TX · S5715-029-0 | $143.90 | $130.60 | $700 | new | 2.5 |
| AARP Medicare Rx Saver from UHC (PDP)UnitedHealthcare · S5921-353-0 | $150.20 | $136.90 | $700 | $56.90 | 3.0 |
| AARP Medicare Rx Preferred from UHC (PDP)UnitedHealthcare · S5921-390-0 | $203.90 | $190.60 | $300 | $119.80 | 3.0 |
| Blue Medicare Rx Enhanced (PDP)Blue Cross and Blue Shield of North Carolina · S5540-004-0 | $239.20 | $225.90 | $0 | $163.20 | 2.5 |