Medicare Advantage plans in Mecklenburg County, North Carolina (2027)
In Charlotte, the plan with the lowest cap is also the best rated, and it costs nothing a month.
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 · all North Carolina counties and drug plans
Mecklenburg County, home of Charlotte, has 50 Medicare Advantage plans open to anyone with Parts A and B for 2027, against 56 in 2026: 12 plan IDs are not filed again and 6 new ones appear. 29 of the drug-covering plans charge no premium, the same number as a year earlier. The standout is Alignment Health Platinum 012 (HMO), from Alignment Health Plan: a $0 plan with the county's lowest in-network cap, $3,500, and its best 2027 rating, 4.5 stars. The median cap is $7,150, and the highest $9,850. PPOs (26) slightly outnumber HMOs (23). Humana Inc. (15), UnitedHealth Group, Inc. (7), Devoted Health, Inc. (6), CuraCor Solutions Corp. (6) file the most plans. The county also lists 39 special needs plans, 23 of them for people with Medicaid. Every open plan is in the list above.
The plans that left Charlotte
Among the 12 2026 IDs missing for 2027 are a Wellcare giveback PPO, an AARP UnitedHealthcare PPO, an Aetna Signature Care HMO, a Blue Medicare Choice HMO and two HumanaChoice PPOs. Some members were moved by their insurer to a successor plan; others must choose by December 7. The list at the bottom of this page gives every ID.
Two health systems, one county
Charlotte's care is split largely between two large hospital systems, and plans differ on which one they contract with. Before choosing even the best-rated plan, check that your primary care doctor and the hospital you would use are in its network for 2027; an HMO pays nothing for routine care outside it. A PPO is the safer pick if your doctors work in both systems, at the cost of a higher cap in most cases on this list.
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 |
Union and Gaston next door
Union County lists 47 open plans and Gaston County 47. Residents just across the line in South Carolina choose among plans filed for their own county, even when they use Charlotte hospitals. The North Carolina page lists every county, and the comparator puts two Mecklenburg plans side by side.
2026 plans not filed again here for 2027
These plan IDs were offered in Mecklenburg 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 Giveback Open (PPO) (Wellcare, H1914-010-0, insurer still present)
- AARP Medicare Advantage Access from UHC NC-23 (PPO) (UnitedHealthcare, H2001-084-0)
- Aetna Medicare Signature Care (HMO) (Aetna Medicare, H3146-021-0, insurer still present)
- Blue Medicare Choice (HMO) (Blue Cross and Blue Shield of North Carolina, H3449-026-0, insurer still present)
- HumanaChoice H5525-050 (PPO) (Humana, H5525-050-0, insurer still present)
- HumanaChoice H5525-083 (PPO) (Humana, H5525-083-0, insurer still present)
- Erickson Advantage Signature (HMO-POS) (UnitedHealthcare, H5652-001-0)
- Erickson Advantage Liberty no Rx (HMO-POS) (UnitedHealthcare, H5652-002-0)
- Erickson Advantage Freedom (HMO-POS) (UnitedHealthcare, H5652-006-0)
- Erickson Advantage Liberty (HMO-POS) (UnitedHealthcare, H5652-008-0)
- HealthSpring Preferred Select (HMO) (HealthSpring, H9725-014-0, insurer still present)
- HealthSpring Preferred Plus (HMO) (HealthSpring, H9725-017-1, insurer still present)