Medicare Advantage plans in Allegheny County, Pennsylvania (2027)
Pittsburgh's market is a duel between Highmark and UPMC, both insurer and hospital system, with the national carriers around them.
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 · all Pennsylvania counties and drug plans
Allegheny County, which includes Pittsburgh, has 60 Medicare Advantage plans open to anyone with Parts A and B for 2027, against 63 in 2026, one of the steadiest lists among large counties: only 5 plan IDs are not filed again and 2 are new. 25 drug-covering plans charge a $0 premium, as many as last year. The lowest in-network cap is $4,150, for HumanaChoice Giveback H5216-116 (PPO), and the median $6,700. Quality is high: 44 of the 60 open plans carry four stars or more, led by Complete Blue PPO Merit (PPO) at 4.5 stars. PPOs edge out HMOs, 31 to 29. Highmark Health (14), UPMC Health System (12), Humana Inc. (10), UnitedHealth Group, Inc. (6) file the most plans. The county lists 35 special needs plans, 20 of them for people with Medicaid.
Highmark or UPMC
Highmark Health and UPMC each run hospitals and sell health plans in western Pennsylvania, and the two have long contracted with each other only in limited ways. For a Medicare beneficiary, the practical rule is simple: a plan from one of them, or a plan whose network leans on one of them, may restrict access to the other's hospitals and doctors. The national carriers on the list contract with both systems to varying degrees. Look up your specialists and your preferred hospital in each plan's 2027 directory before choosing.
What an out-of-pocket cap is worth in a bad year
The cap saves
$7,322
| Original Medicare alone (20%, 1 admission) | $14,022 |
| With the plan’s cap | $6,700 |
The few plans that left
Among the 5 missing IDs are two Wellcare HMO-POS plans, an Aetna Enhanced PPO, a UPMC for Life PPO and a Humana private fee-for-service plan. Members were notified by September 30 and choose by December 7. With so few departures, most Pittsburgh members simply stay in their plan; the review that matters is the new premium, cap and network of that same plan.
Westmoreland and Butler
Westmoreland County lists 53 open plans and Butler County 52, with mostly the same insurers, and the Highmark and UPMC question applies there as well. The Pennsylvania page lists every county, and Philadelphia County has the other large list in the state.
2026 plans not filed again here for 2027
These plan IDs were offered in Allegheny 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 Assist (HMO-POS) (Wellcare, H2915-011-0, insurer still present)
- Wellcare Patriot Giveback (HMO-POS) (Wellcare, H2915-013-0, insurer still present)
- Aetna Medicare Enhanced (PPO) (Aetna Medicare, H5521-122-0, insurer still present)
- UPMC for Life PPO Rx Choice (PPO) (UPMC for Life, H5533-015-1, insurer still present)
- Humana Gold Choice H8145-163 (PFFS) (Humana, H8145-163-0)