Medicare Advantage plans in Pennsylvania for 2027
The largest plan count in this part of the country, shaped by Blue Cross companies and by hospital systems that run their own insurance.
Allegheny, Pennsylvania: plans open to everyone on Parts A and B
60 plans
25 with a $0 premium and drug coverage · out-of-pocket limits $4,150 to $9,850 · best rating 4.5★ · 5 plan IDs of 2026 not renewed here
60 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 |
|---|---|---|---|---|
| HumanaChoice Giveback H5216-116 (PPO)Humana · PPO · H5216-116-0 | $0 | no drugs | $4,150 | 4.0★ |
| Perennial Advantage Freedom (HMO)Perennial Advantage · HMO · H3419-006-0 | $0 | $400 | $4,500 | too few data |
| HumanaChoice R0110-007 (Regional PPO)Humana · Regional PPO · R0110-007-0 | $0 | no drugs | $4,750 | 3.5★ |
| Aetna Medicare Advantra Eagle Plus (HMO-POS)Aetna Medicare · HMO-POS · H3959-041-0 | $0 | no drugs | $5,500 | 3.5★ |
| Aetna Medicare Advantra Signature Plus (HMO-POS)Aetna Medicare · HMO-POS · H3959-010-0 | $0 | $400 | $5,500 | 3.5★ |
| Aetna Medicare Signature (PPO)Aetna Medicare · PPO · H5521-261-0 | $0 | $700 | $5,500 | 4.0★ |
| Freedom Blue PPO Valor (PPO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · PPO · H3916-067-0 | $0 | no drugs | $6,000 | 4.5★ |
| Together Blue Medicare HMO with AHN Signature (HMO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · HMO · H3957-048-0 | $0 | $700 | $6,250 | 4.5★ |
| UPMC for Life HMO No Rx (HMO)UPMC for Life · HMO · H3907-002-0 | $0 | no drugs | $6,500 | 4.5★ |
| UPMC for Life HMO Premier Rx (HMO)UPMC for Life · HMO · H3907-059-1 | $0 | $700 | $6,500 | 4.5★ |
| DEVOTED CORE 014 PA (HMO)Devoted Health · HMO · H6852-014-0 | $0 | $650 | $6,550 | 3.5★ |
| DEVOTED CHOICE 010 PA (PPO)Devoted Health · PPO · H6018-010-0 | $0 | $461 | $6,600 | 3.0★ |
| Geisinger Gold Heritage (HMO)Geisinger Gold · HMO · H3954-162-0 | $0 | no drugs | $6,700 | 4.0★ |
| Humana USAA Honor Giveback (PPO)Humana · PPO · H5216-221-0 | $0 | no drugs | $6,700 | 4.0★ |
| Community Blue Medicare HMO Signature (HMO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · HMO · H3957-047-1 | $0 | $700 | $6,950 | 4.5★ |
| AARP Medicare Advantage from UHC PA-0002 (HMO-POS)UnitedHealthcare · HMO-POS · H5253-146-0 | $0 | $685 | $7,150 | 4.0★ |
| AARP Medicare Advantage from UHC PA-0011 (PPO)UnitedHealthcare · PPO · H2406-072-0 | $0 | $685 | $7,150 | 4.0★ |
| AARP Medicare Advantage Patriot No Rx PA-MA01 (HMO-POS)UnitedHealthcare · HMO-POS · H5253-152-0 | $0 | no drugs | $7,150 | 3.5★ |
| Complete Blue PPO Signature (PPO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · PPO · H3916-041-1 | $0 | $700 | $7,150 | 4.5★ |
| HealthSpring Preferred (HMO)HealthSpring · HMO · H3949-047-0 | $0 | $500 | $7,150 | 3.0★ |
| UPMC for Life PPO Premier Rx (PPO)UPMC for Life · PPO · H5533-013-0 | $0 | $700 | $7,150 | 4.5★ |
| Humana USAA Honor Giveback with Rx (PPO)Humana · PPO · H5525-059-0 | $0 | $700 | $7,350 | 4.0★ |
| DEVOTED GIVEBACK EXTRAS 035 PA (HMO)Devoted Health · HMO · H6852-035-0 | $0 | $700 | $7,950 | 3.5★ |
| Humana Essentials Plus Giveback (PPO)Humana · PPO · H5525-085-1 | $0 | $700 | $8,000 | 4.0★ |
| Humana Value Choice (PPO)Humana · PPO · H5525-051-1 | $0 | $700 | $8,000 | 4.0★ |
| UPMC for Life Essential Rx (PPO)UPMC for Life · PPO · H5533-017-1 | $0 | $700 | $8,000 | 4.5★ |
| Humana Gold Plus H6622-054 (HMO)Humana · HMO · H6622-054-0 | $0 | $700 | $8,260 | 4.0★ |
| Complete Blue PPO Merit (PPO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · PPO · H3916-057-0 | $0 | $700 | $8,300 | 4.5★ |
| AARP Medicare Advantage Giveback from UHC PA-12 (PPO)UnitedHealthcare · PPO · H2406-101-0 | $0 | $685 | $9,200 | 4.0★ |
| Aetna Medicare Advantra Signature Giveback (PPO)Aetna Medicare · PPO · H5522-017-0 | $0 | $700 | $9,850 | 4.5★ |
| DEVOTED CHOICE GIVEBACK 011 PA (PPO)Devoted Health · PPO · H6018-011-0 | $0 | $461 | $9,850 | 3.0★ |
| DEVOTED GIVEBACK 015 PA (HMO)Devoted Health · HMO · H6852-015-0 | $0 | $461 | $9,850 | 3.5★ |
| UPMC for Life PPO Salute (PPO)UPMC for Life · PPO · H5533-016-1 | $0 | no drugs | $9,850 | 4.0★ |
| Wellcare Simple (HMO-POS)Wellcare · HMO-POS · H2915-003-0 | $0 | $700 | $9,850 | 3.5★ |
| Security Blue HMO-POS Basic (HMO-POS)Highmark Blue Cross Blue Shield or Highmark Blue Shield · HMO-POS · H3957-043-1 · was $20 in 2026 | $7 | no drugs | $5,900 | 4.0★ |
| HealthSpring True Choice (PPO)HealthSpring · PPO · H7849-106-0 · was $0 in 2026 | $7 | $700 | $7,500 | 3.0★ |
| UPMC for Life HMO Deductible Rx (HMO)UPMC for Life · HMO · H3907-037-0 · was $22 in 2026 | $25 | $700 | $6,000 | 4.5★ |
| UPMC for Life HMO Rx Choice (HMO)UPMC for Life · HMO · H3907-057-1 · was $30 in 2026 | $25 | $700 | $6,000 | 4.5★ |
| Geisinger Gold Value Rx (HMO)Geisinger Gold · HMO · H3954-163-0 · was $23 in 2026 | $29 | $0 | $9,000 | 4.0★ |
| HealthSpring Preferred Plus (HMO)HealthSpring · HMO · H3949-048-0 · was $21 in 2026 | $32 | $500 | $5,700 | 3.0★ |
| UPMC for Life PPO Rx Choice (PPO)UPMC for Life · PPO · H5533-019-0 | $33 | $700 | $5,500 | 4.5★ |
| UPMC for Life PPO High Deductible Rx (PPO)UPMC for Life · PPO · H5533-003-0 | $33 | $700 | $7,550 | 4.5★ |
| Aetna Medicare Advantra Enhanced (HMO-POS)Aetna Medicare · HMO-POS · H3959-001-0 · was $24 in 2026 | $34 | $400 | $5,500 | 3.5★ |
| HumanaChoice H5525-086 (PPO)Humana · PPO · H5525-086-1 · was $26 in 2026 | $39 | $700 | $5,800 | 4.0★ |
| Complete Blue HMO Distinct (HMO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · HMO · H3957-050-1 · was $20 in 2026 | $40 | $700 | $6,450 | 4.5★ |
| Complete Blue PPO Distinct (PPO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · PPO · H3916-035-1 · was $23 in 2026 | $43 | $700 | $6,950 | 4.5★ |
| Aetna Medicare Premier Plus (PPO)Aetna Medicare · PPO · H5522-001-0 · was $29 in 2026 | $49 | $700 | $5,500 | 4.5★ |
| Security Blue HMO-POS ValueRx (HMO-POS)Highmark Blue Cross Blue Shield or Highmark Blue Shield · HMO-POS · H3957-031-0 · was $35 in 2026 | $53 | $700 | $5,500 | 4.5★ |
| AARP Medicare Advantage from UHC PA-0003 (HMO-POS)UnitedHealthcare · HMO-POS · H5253-147-0 · was $39 in 2026 | $54 | $685 | $6,700 | 4.0★ |
| AARP Medicare Advantage from UHC PA-0008 (PPO)UnitedHealthcare · PPO · H2406-047-0 | $60 | $685 | $5,900 | 4.0★ |
| HumanaChoice R0110-008 (Regional PPO)Humana · Regional PPO · R0110-008-0 · was $52 in 2026 | $75 | $700 | $7,150 | 3.5★ |
| UPMC for Life HMO Rx (HMO)UPMC for Life · HMO · H3907-058-1 | $90 | $0 | $4,500 | 4.5★ |
| Freedom Blue PPO ValueRx (PPO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · PPO · H3916-032-0 · was $79 in 2026 | $97 | $700 | $5,500 | 4.5★ |
| HumanaChoice H5216-120 (PPO)Humana · PPO · H5216-120-0 · was $94 in 2026 | $107 | $700 | $7,600 | 4.0★ |
| Security Blue HMO-POS Standard (HMO-POS)Highmark Blue Cross Blue Shield or Highmark Blue Shield · HMO-POS · H3957-045-1 · was $122 in 2026 | $132 | $0 | $5,000 | 4.5★ |
| UPMC for Life PPO Rx Enhanced (PPO)UPMC for Life · PPO · H5533-005-0 · was $140 in 2026 | $155 | $0 | $7,550 | 4.5★ |
| Freedom Blue PPO Select (PPO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · PPO · H3916-022-0 · was $139 in 2026 | $157 | $0 | $5,000 | 4.5★ |
| Security Blue HMO-POS Deluxe (HMO-POS)Highmark Blue Cross Blue Shield or Highmark Blue Shield · HMO-POS · H3957-046-1 · was $179 in 2026 | $188 | $0 | $4,500 | 4.5★ |
| Freedom Blue PPO Classic (PPO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · PPO · H3916-001-0 · was $248 in 2026 | $266 | $0 | $4,500 | 4.5★ |
| UPMC for Life HMO Rx Enhanced (HMO)UPMC for Life · HMO · H3907-006-0 | $295 | $0 | $7,550 | 4.5★ |
Compiled by Radif Partners from the CMS landscape file of September 2026 · How the data is read
Pennsylvania has 267 Medicare Advantage plans open to anyone with Parts A and B for 2027, one of the biggest menus in the United States, and every one of its 67 counties has at least 32. The deepest choice is not in Philadelphia or Pittsburgh but in the south-central counties: Lancaster (76), Berks (75), Perry (75). Philadelphia has 63, Allegheny 60. 118 drug-covering plans have a $0 premium, and 214 of the open plans rate four stars or more, the top at 5. The median in-network cap is $7,100, the lowest $3,450. Highmark files 75 plans, Capital Blue Cross 35, and UPMC 28. Stand-alone drug plans fell from 12 to 8, and they are listed below with the 71 special needs plans.
When the hospital system is also the insurer
Pennsylvania is the clearest example of provider-owned Medicare Advantage. UPMC sells plans built around its own hospitals in the west, and Geisinger, now part of a larger group, sells Geisinger Gold in the center and northeast. Geisinger Gold Classic Advantage Rx (HMO) has the state's lowest cap, $3,450, at $129 a month. The appeal of these plans is coordination inside one system. The limit is the same: outside that system's network, an HMO pays only for emergencies and urgent care, so the doctors you see matter more than the brand.
A Blue map cut into regions
Blue Cross coverage in Pennsylvania is split by region: Highmark in the west and parts of the center, Capital Blue Cross around Harrisburg and the Lehigh Valley, Independence Blue Cross in the Philadelphia area. In Philadelphia County the leading filer is Independence Health Group, Inc.; in Allegheny it is Highmark Health. A Blue card from one region does not mean the same plan is sold a county away.
Central Pennsylvania's crowded field
Lancaster 76, Berks 75, Perry 75, Lebanon 74, Lehigh 74, Northampton 73: these counties sit where Highmark, Capital Blue Cross, UPMC, Geisinger and the national carriers all overlap. At the other end, Pike (32), Indiana (40), Elk (42) still offer a broad choice, with caps from $3,450 in Pike County. The state went from 273 open plans in 2026 to 267.
Fewer stand-alone drug plans
For people who keep Original Medicare, the 2027 drug plan list shrank to 8 from 12. The cheapest premium is $5.30 a month and the median $65.05. Whatever the plan, the 2027 standard benefit caps what you pay for covered drugs at $2,400.
Your 2027 pharmacy bill under the standard benefit
You pay in 2027
$2,025
| Deductible | $700 |
| Coinsurance | $1,325 |
| Cap reached | no |
Every county of Pennsylvania, 2027
| County | Plans open to all | $0 with drugs | Lowest max out of pocket | Rated 4★ or more | vs 2026 |
|---|---|---|---|---|---|
| Adams | 63 | 27 | $3,450 | 45 | -7 |
| Allegheny | 60 | 25 | $4,150 | 44 | -3 |
| Armstrong | 58 | 22 | $4,150 | 43 | -3 |
| Beaver | 58 | 23 | $4,150 | 43 | -3 |
| Bedford | 50 | 19 | $4,150 | 37 | -3 |
| Berks | 75 | 32 | $3,450 | 57 | -2 |
| Blair | 58 | 21 | $3,450 | 48 | -5 |
| Bradford | 62 | 28 | $3,450 | 45 | -2 |
| Bucks | 68 | 31 | $3,450 | 45 | -5 |
| Butler | 52 | 21 | $4,150 | 37 | -10 |
| Cambria | 45 | 17 | $3,450 | 34 | -12 |
| Cameron | 48 | 19 | $3,450 | 36 | -10 |
| Carbon | 61 | 28 | $3,450 | 45 | -6 |
| Centre | 54 | 20 | $3,450 | 47 | -2 |
| Chester | 65 | 28 | $3,450 | 44 | -4 |
| Clarion | 50 | 19 | $4,150 | 35 | -11 |
| Clearfield | 50 | 21 | $3,450 | 38 | -14 |
| Clinton | 51 | 22 | $3,450 | 39 | -4 |
| Columbia | 49 | 16 | $3,450 | 43 | +2 |
| Crawford | 52 | 20 | $4,150 | 40 | -10 |
| Cumberland | 71 | 28 | $3,450 | 57 | -8 |
| Dauphin | 71 | 28 | $3,450 | 57 | -8 |
| Delaware | 59 | 27 | $4,150 | 37 | -7 |
| Elk | 42 | 17 | $4,150 | 30 | -6 |
| Erie | 57 | 25 | $4,150 | 44 | -5 |
| Fayette | 52 | 18 | $4,150 | 45 | -4 |
| Forest | 43 | 18 | $4,150 | 30 | -5 |
| Franklin | 54 | 24 | $3,450 | 37 | -3 |
| Fulton | 56 | 22 | $3,450 | 45 | same |
| Greene | 56 | 22 | $4,150 | 44 | -4 |
| Huntingdon | 60 | 25 | $3,450 | 49 | -6 |
| Indiana | 40 | 16 | $4,500 | 28 | -8 |
| Jefferson | 51 | 20 | $3,450 | 39 | -3 |
| Juniata | 65 | 29 | $3,450 | 52 | -3 |
| Lackawanna | 52 | 25 | $3,450 | 40 | -3 |
| Lancaster | 76 | 33 | $3,450 | 57 | -6 |
| Lawrence | 59 | 24 | $4,150 | 43 | -3 |
| Lebanon | 74 | 32 | $3,450 | 55 | -6 |
| Lehigh | 74 | 32 | $3,450 | 56 | -2 |
| Luzerne | 54 | 25 | $3,450 | 42 | -3 |
| Lycoming | 56 | 22 | $3,450 | 49 | -7 |
| McKean | 46 | 15 | $4,150 | 38 | -8 |
| Mercer | 55 | 23 | $4,150 | 42 | -7 |
| Mifflin | 61 | 26 | $3,450 | 50 | -2 |
| Monroe | 54 | 25 | $3,450 | 38 | -1 |
| Montgomery | 58 | 26 | $4,150 | 36 | -3 |
| Montour | 67 | 27 | $3,450 | 55 | +1 |
| Northampton | 73 | 32 | $3,450 | 55 | -3 |
| Northumberland | 44 | 13 | $3,450 | 38 | +1 |
| Perry | 75 | 33 | $3,450 | 58 | -6 |
| Philadelphia | 63 | 29 | $4,150 | 39 | -3 |
| Pike | 32 | 11 | $3,450 | 26 | -2 |
| Potter | 51 | 16 | $3,450 | 44 | -7 |
| Schuylkill | 59 | 26 | $3,450 | 44 | -3 |
| Snyder | 61 | 25 | $3,450 | 49 | -3 |
| Somerset | 57 | 21 | $3,450 | 45 | -4 |
| Sullivan | 53 | 24 | $3,450 | 41 | -2 |
| Susquehanna | 54 | 23 | $3,450 | 42 | -6 |
| Tioga | 46 | 18 | $3,450 | 35 | -2 |
| Union | 66 | 26 | $3,450 | 54 | -3 |
| Venango | 51 | 20 | $4,150 | 38 | -9 |
| Warren | 51 | 19 | $4,150 | 38 | -5 |
| Washington | 59 | 24 | $4,150 | 43 | -4 |
| Wayne | 59 | 26 | $3,450 | 47 | -2 |
| Westmoreland | 53 | 22 | $4,150 | 38 | -9 |
| Wyoming | 59 | 26 | $3,450 | 47 | -4 |
| York | 72 | 32 | $3,450 | 52 | -6 |
Stand-alone Part D plans in Pennsylvania
| Plan | Monthly premium | With full Extra Help | Deductible | 2026 premium | 2027 Part D stars |
|---|---|---|---|---|---|
| Wellcare Value Script (PDP)Wellcare · S4802-141-0 | $5.30 | $5.30 | $700 | $8.20 | 3.0 |
| Wellcare Classic (PDP)Wellcare · S4802-080-0 · Extra Help benchmark | $7.30 | $0 | $700 | $14.70 | 3.0 |
| Humana Basic Rx Plan (PDP)Humana · S5884-104-0 | $16.30 | $3.50 | $700 | $6.60 | 4.5 |
| Humana Value Rx Plan (PDP)Humana · S5884-185-0 | $31.70 | $18.90 | $687 | $19.40 | 4.5 |
| HealthSpring Assurance Rx (PDP)Blue Cross and Blue Shield of IL, NM, OK, TX · S5715-027-0 | $98.40 | $85.60 | $700 | new | 2.5 |
| AARP Medicare Rx Saver from UHC (PDP)UnitedHealthcare · S5921-351-0 | $140.60 | $127.80 | $700 | $43.50 | 3.0 |
| Humana Premier Rx Plan (PDP)Humana · S5884-152-0 | $142.80 | $130 | $350 | $123.60 | 4.5 |
| AARP Medicare Rx Preferred from UHC (PDP)UnitedHealthcare · S5921-388-0 | $184.40 | $171.60 | $300 | $121.90 | 3.0 |