Medicare Advantage plans in Tennessee for 2027
One of the few states where the plan count grew for 2027, with Knoxville holding the lowest out-of-pocket cap in the state.
Shelby, Tennessee: plans open to everyone on Parts A and B
42 plans
21 with a $0 premium and drug coverage · out-of-pocket limits $3,400 to $9,850 · best rating 4.5★ · 7 plan IDs of 2026 not renewed here
42 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 |
|---|---|---|---|---|
| Humana USAA Honor Giveback (PPO)Humana · PPO · H5216-235-0 | $0 | no drugs | $3,400 | 4.0★ |
| Humana USAA Honor Giveback (HMO)Humana · HMO · H4461-004-0 | $0 | no drugs | $3,750 | 4.5★ |
| HealthSpring Courage (HMO)HealthSpring · HMO · H4513-033-0 | $0 | no drugs | $3,900 | 3.5★ |
| AARP Medicare Advantage Patriot No Rx TC-MA01 (HMO-POS)UnitedHealthcare · HMO-POS · H5253-113-0 | $0 | no drugs | $4,450 | 3.5★ |
| BlueAdvantage Freedom (PPO)BlueCross BlueShield of Tennessee · PPO · H7917-039-0 | $0 | no drugs | $4,450 | 3.5★ |
| HumanaChoice R0110-017 (Regional PPO)Humana · Regional PPO · R0110-017-0 | $0 | no drugs | $4,650 | 3.5★ |
| DEVOTED CORE 004 TN (HMO)Devoted Health · HMO · H7605-004-0 | $0 | $650 | $4,900 | 3.5★ |
| HealthSpring Preferred (HMO)HealthSpring · HMO · H4513-049-4 | $0 | $500 | $5,100 | 3.5★ |
| DEVOTED CHOICE 024 TN (PPO)Devoted Health · PPO · H7028-024-0 | $0 | $650 | $5,650 | 4.5★ |
| BlueAdvantage Garnet (PPO)BlueCross BlueShield of Tennessee · PPO · H7917-033-0 | $0 | $700 | $5,900 | 3.5★ |
| Wellpoint Medicare Advantage 2 (HMO-POS)Wellpoint · HMO-POS · H5828-014-0 | $0 | $0 | $5,900 | 3.0★ |
| AARP Medicare Advantage Direct Plus from UHC TN-8 (HMO-POS)UnitedHealthcare · HMO-POS · H5253-249-0 | $0 | $505 | $6,400 | 4.0★ |
| AARP Medicare Advantage from UHC TN-0003 (HMO-POS)UnitedHealthcare · HMO-POS · H5253-081-0 | $0 | $685 | $6,400 | 4.0★ |
| Zing Elite Select TN-MS (HMO)Zing Health · HMO · H4624-043-0 | $0 | $350 | $6,400 | 3.5★ |
| Zing Select Care TN-MS (HMO)Zing Health · HMO · H4624-044-0 | $0 | $500 | $6,400 | 3.5★ |
| AARP Medicare Advantage from UHC TN-0002 (PPO)UnitedHealthcare · PPO · H2001-094-0 | $0 | $685 | $6,700 | 4.5★ |
| Zing Open Choice TN (PPO)Zing Health · PPO · H6876-009-0 | $0 | $450 | $6,700 | 3.5★ |
| Aetna Medicare Value Plus (HMO)Aetna Medicare · HMO · H3146-012-0 · was $15.10 in 2026 | $0 | $400 | $6,750 | 3.5★ |
| DEVOTED CHOICE GIVEBACK EXTRAS 044 TN (PPO)Devoted Health · PPO · H7028-044-0 | $0 | $700 | $6,900 | 4.5★ |
| HealthSpring Preferred Savings (HMO)HealthSpring · HMO · H4513-068-2 | $0 | $700 | $6,950 | 3.5★ |
| AARP Medicare Advantage Giveback from UHC TC-4 (HMO-POS)UnitedHealthcare · HMO-POS · H5253-121-0 | $0 | $685 | $7,150 | 4.0★ |
| Humana Gold Plus H4461-025 (HMO)Humana · HMO · H4461-025-0 | $0 | $395 | $7,150 | 4.5★ |
| DEVOTED GIVEBACK 005 TN (HMO)Devoted Health · HMO · H7605-005-0 | $0 | $461 | $7,700 | 3.5★ |
| DEVOTED CHOICE GIVEBACK 025 TN (PPO)Devoted Health · PPO · H7028-025-0 | $0 | $650 | $8,700 | 4.5★ |
| DEVOTED CHOICE GIVEBACK 012 TN (PPO)Devoted Health · PPO · H9231-012-0 | $0 | $461 | $9,300 | 3.5★ |
| Aetna Medicare Eagle (PPO)Aetna Medicare · PPO · H5521-279-0 | $0 | no drugs | $9,850 | 4.5★ |
| Aetna Medicare Signature (PPO)Aetna Medicare · PPO · H5521-502-0 | $0 | $700 | $9,850 | 4.0★ |
| HealthSpring True Choice (PPO)HealthSpring · PPO · H7849-153-0 | $0 | $700 | $9,850 | 3.0★ |
| BlueAdvantage Extra (PPO)BlueCross BlueShield of Tennessee · PPO · H7917-041-0 · was $27.60 in 2026 | $13 | $700 | $7,150 | 3.5★ |
| HealthSpring Primary (HMO)HealthSpring · HMO · H4513-053-0 · was $17.70 in 2026 | $13.70 | $700 | $5,400 | 3.5★ |
| Humana Value Plus H5216-180 (PPO)Humana · PPO · H5216-180-0 · was $27.70 in 2026 | $13.70 | $700 | $5,400 | 4.0★ |
| Humana Value Plus H7617-088 (PPO)Humana · PPO · H7617-088-0 · was $27.70 in 2026 | $13.70 | $700 | $5,400 | 4.5★ |
| Wellpoint Extra Help (HMO-POS)Wellpoint · HMO-POS · H5828-008-0 · was $0 in 2026 | $13.70 | $700 | $9,000 | 3.0★ |
| AARP Medicare Advantage from UHC TN-0004 (HMO-POS)UnitedHealthcare · HMO-POS · H5253-082-0 · was $19 in 2026 | $22 | $495 | $4,450 | 4.0★ |
| BlueAdvantage Emerald (PPO)BlueCross BlueShield of Tennessee · PPO · H7917-047-0 | $25 | $700 | $5,900 | 3.5★ |
| Aetna Medicare Signature Extra (PPO)Aetna Medicare · PPO · H5521-501-0 · was $27.70 in 2026 | $29 | $700 | $9,850 | 4.0★ |
| Wellpoint Medicare Advantage (HMO-POS)Wellpoint · HMO-POS · H5828-013-0 · was $19 in 2026 | $40 | $475 | $6,750 | 3.0★ |
| HealthSpring Premier (HMO-POS)HealthSpring · HMO-POS · H4513-036-0 · was $45 in 2026 | $50 | $500 | $6,150 | 3.5★ |
| HumanaChoice H5216-097 (PPO)Humana · PPO · H5216-097-0 · was $55 in 2026 | $85 | $400 | $9,100 | 4.0★ |
| BlueAdvantage Ruby (PPO)BlueCross BlueShield of Tennessee · PPO · H7917-012-0 · was $89 in 2026 | $95 | $700 | $4,450 | 3.5★ |
| HumanaChoice R0110-018 (Regional PPO)Humana · Regional PPO · R0110-018-0 · was $86 in 2026 | $124 | $700 | $7,000 | 3.5★ |
| BlueAdvantage Diamond (PPO)BlueCross BlueShield of Tennessee · PPO · H7917-009-0 · was $157 in 2026 | $161 | $700 | $4,450 | 3.5★ |
Compiled by Radif Partners from the CMS landscape file of September 2026 · How the data is read
Tennessee bucks the 2027 trend: while the national count of open plans fell from 3,790 to 3,589, the state gained, from 93 open-to-all plans in 2026 to 105. The other standout is the floor on out-of-pocket costs. Humana Gold Plus H4461-081 (HMO) caps in-network spending at $1,900 for $90 a month, and Humana Gold Plus H4461-080 (HMO) offers $3,800 at $0 with 4.5 stars. The statewide median cap is $6,200, under the national $6,550. 66 drug-covering plans charge no premium. Shelby County (Memphis) has the most open plans, 42; Davidson (Nashville) has 37 and Knox (Knoxville) 38, while Bedford County has 19. Devoted Health, Inc. files 25 plans, ahead of BlueCross BlueShield of Tennessee and Humana with 17 each. 50 special needs plans, 27 of them for chronic conditions, and 11 drug plans are listed below.
East Tennessee's low ceilings
Knox County received 11 new plan IDs for 2027, more than any of the big Tennessee counties, and its lowest cap is $1,900. Chattanooga's Hamilton County reaches $2,900. In Memphis and Nashville the lowest cap is $3,400. A low cap is most valuable to someone who expects a surgery or a hospital admission, and that is where Tennessee plans differ most from Original Medicare.
What Original Medicare charges for a stay
Without a plan or supplement, a 2026 admission costs the Part A deductible of $1,736, then daily coinsurance once the stay passes 60 days. Medicare Advantage plans replace that with their own daily copays, which count toward the cap. Compare a plan's hospital copay in its Summary of Benefits with the figure below.
A hospital stay under Part A in 2026
Your share
$1,736
| Deductible | $1,736 |
| Daily from day 61 | $434 |
Growth in the suburbs, cuts in the middle
The gain is not everywhere. Davidson County went from 44 to 37, and Bedford County, south of Nashville, from 25 to 19. The counties with the longest lists are Shelby (42), Fayette (40), Williamson (40), Wilson (40). 57 HMOs and 48 PPOs make up the field.
Who files the plans
Devoted Health, Inc. (25), BlueCross BlueShield of Tennessee (17), Humana Inc. (17), Health Care Service Corporation (14), CVS Health Corporation (12), UnitedHealth Group, Inc. (11): 8 parent companies in all. The state's Blue Cross plan competes county by county with national carriers, and a newer entrant now files the most plans. A long filing list does not mean a large membership; it often means one company split a county into several premium and network variants.
Chronic-condition plans
Tennessee has 27 C-SNPs, special needs plans limited to people with conditions such as diabetes or chronic heart failure. They tailor drug lists and care coordination to that condition. You need a qualifying diagnosis to join, and they are listed apart from the open plans in each county.
Every county of Tennessee, 2027
| County | Plans open to all | $0 with drugs | Lowest max out of pocket | Rated 4★ or more | vs 2026 |
|---|---|---|---|---|---|
| Anderson | 38 | 16 | $1,900 | 17 | +2 |
| Bedford | 19 | 6 | $3,900 | 5 | -6 |
| Benton | 37 | 16 | $3,400 | 16 | -1 |
| Bledsoe | 28 | 14 | $3,500 | 10 | -3 |
| Blount | 38 | 16 | $1,900 | 17 | +2 |
| Bradley | 37 | 15 | $2,900 | 18 | -3 |
| Campbell | 37 | 16 | $1,900 | 17 | +2 |
| Cannon | 34 | 15 | $3,400 | 14 | -6 |
| Carroll | 28 | 12 | $3,900 | 10 | same |
| Carter | 30 | 11 | $1,900 | 16 | +3 |
| Cheatham | 35 | 17 | $3,400 | 12 | -5 |
| Chester | 30 | 9 | $3,400 | 13 | -3 |
| Claiborne | 37 | 16 | $1,900 | 17 | +2 |
| Clay | 35 | 16 | $3,400 | 16 | -3 |
| Cocke | 38 | 16 | $1,900 | 17 | +2 |
| Coffee | 25 | 8 | $3,400 | 9 | -7 |
| Crockett | 30 | 9 | $3,400 | 13 | -3 |
| Cumberland | 38 | 17 | $1,900 | 19 | -2 |
| Davidson | 37 | 19 | $3,400 | 12 | -7 |
| Decatur | 31 | 10 | $3,400 | 13 | -3 |
| DeKalb | 30 | 11 | $3,400 | 14 | -6 |
| Dickson | 25 | 8 | $3,400 | 9 | -8 |
| Dyer | 25 | 8 | $3,400 | 12 | -3 |
| Fayette | 40 | 19 | $3,400 | 16 | -1 |
| Fentress | 37 | 18 | $3,400 | 17 | -1 |
| Franklin | 29 | 9 | $2,900 | 15 | -5 |
| Gibson | 29 | 9 | $3,400 | 12 | -2 |
| Giles | 35 | 16 | $3,400 | 15 | -5 |
| Grainger | 38 | 16 | $1,900 | 17 | +2 |
| Greene | 27 | 8 | $1,900 | 13 | same |
| Grundy | 36 | 15 | $2,900 | 19 | -4 |
| Hamblen | 38 | 16 | $1,900 | 17 | +2 |
| Hamilton | 36 | 15 | $2,900 | 17 | -3 |
| Hancock | 35 | 15 | $1,900 | 16 | +2 |
| Hardeman | 37 | 16 | $3,400 | 16 | -1 |
| Hardin | 31 | 10 | $3,400 | 13 | -3 |
| Hawkins | 29 | 10 | $1,900 | 13 | -1 |
| Haywood | 35 | 16 | $3,400 | 15 | -1 |
| Henderson | 27 | 9 | $3,400 | 10 | -3 |
| Henry | 30 | 11 | $3,400 | 14 | -6 |
| Hickman | 32 | 15 | $3,400 | 12 | -5 |
| Houston | 33 | 14 | $3,400 | 14 | -3 |
| Humphreys | 31 | 13 | $3,400 | 11 | -3 |
| Jackson | 33 | 14 | $3,400 | 13 | -2 |
| Jefferson | 38 | 16 | $1,900 | 17 | +2 |
| Johnson | 32 | 13 | $1,900 | 16 | +2 |
| Knox | 38 | 16 | $1,900 | 17 | +2 |
| Lake | 29 | 11 | $3,400 | 16 | -1 |
| Lauderdale | 33 | 13 | $3,400 | 15 | -1 |
| Lawrence | 33 | 14 | $3,400 | 13 | -2 |
| Lewis | 33 | 14 | $3,400 | 13 | -3 |
| Lincoln | 27 | 13 | $3,900 | 7 | -2 |
| Loudon | 38 | 16 | $1,900 | 17 | +2 |
| Macon | 34 | 15 | $3,400 | 14 | -2 |
| Madison | 27 | 9 | $3,400 | 10 | -3 |
| Marion | 37 | 15 | $2,900 | 18 | -3 |
| Marshall | 33 | 16 | $3,400 | 13 | -4 |
| Maury | 27 | 8 | $3,400 | 11 | -9 |
| McMinn | 27 | 8 | $2,900 | 14 | -1 |
| McNairy | 31 | 10 | $3,400 | 13 | -3 |
| Meigs | 35 | 15 | $2,900 | 18 | -2 |
| Monroe | 36 | 15 | $1,900 | 17 | +1 |
| Montgomery | 28 | 10 | $3,400 | 9 | -7 |
| Moore | 32 | 14 | $3,400 | 12 | -2 |
| Morgan | 38 | 16 | $1,900 | 17 | +2 |
| Obion | 25 | 10 | $3,400 | 13 | same |
| Overton | 32 | 13 | $3,400 | 16 | -2 |
| Perry | 33 | 14 | $3,400 | 13 | -2 |
| Pickett | 32 | 14 | $3,400 | 16 | -1 |
| Polk | 36 | 15 | $2,900 | 18 | -3 |
| Putnam | 31 | 10 | $1,900 | 15 | -4 |
| Rhea | 35 | 15 | $2,900 | 18 | -2 |
| Roane | 34 | 14 | $1,900 | 17 | +2 |
| Robertson | 36 | 19 | $3,400 | 11 | -4 |
| Rutherford | 34 | 14 | $3,400 | 11 | -10 |
| Scott | 36 | 16 | $1,900 | 16 | +4 |
| Sequatchie | 37 | 15 | $2,900 | 18 | -3 |
| Sevier | 38 | 16 | $1,900 | 17 | +2 |
| Shelby | 42 | 21 | $3,400 | 17 | -2 |
| Smith | 33 | 14 | $3,400 | 14 | -3 |
| Stewart | 34 | 15 | $3,400 | 14 | -2 |
| Sullivan | 32 | 13 | $1,900 | 16 | +2 |
| Sumner | 37 | 20 | $3,400 | 11 | -4 |
| Tipton | 32 | 12 | $3,400 | 11 | -3 |
| Trousdale | 35 | 15 | $3,400 | 13 | -4 |
| Unicoi | 32 | 13 | $1,900 | 16 | +2 |
| Union | 38 | 16 | $1,900 | 17 | +2 |
| Van Buren | 37 | 18 | $3,400 | 17 | -1 |
| Warren | 37 | 18 | $3,400 | 17 | -5 |
| Washington | 32 | 13 | $1,900 | 16 | +2 |
| Wayne | 27 | 13 | $3,900 | 7 | -2 |
| Weakley | 28 | 10 | $3,400 | 12 | -3 |
| White | 34 | 15 | $3,400 | 18 | -4 |
| Williamson | 40 | 20 | $3,400 | 14 | -5 |
| Wilson | 40 | 20 | $3,400 | 15 | -5 |
Stand-alone Part D plans in Tennessee
| Plan | Monthly premium | With full Extra Help | Deductible | 2026 premium | 2027 Part D stars |
|---|---|---|---|---|---|
| Wellcare Value Script (PDP)Wellcare · S4802-147-0 | $5.30 | $5.30 | $700 | $3.60 | 3.0 |
| Humana Basic Rx Plan (PDP)Humana · S5884-106-0 · Extra Help benchmark | $6.30 | $0 | $700 | $0 | 4.5 |
| Wellcare Classic (PDP)Wellcare · S4802-071-0 · Extra Help benchmark | $7.30 | $0 | $700 | $3.70 | 3.0 |
| Humana Value Rx Plan (PDP)Humana · S5884-191-0 | $60 | $46.30 | $687 | $37.70 | 4.5 |
| BlueRx Essential (PDP)BlueRx (PDP) · S1030-006-0 | $61.10 | $47.40 | $700 | $76.20 | 3.0 |
| HealthSpring Assurance Rx (PDP)Blue Cross and Blue Shield of IL, NM, OK, TX · S5715-033-0 | $110.40 | $96.70 | $700 | new | 2.5 |
| AARP Medicare Rx Saver from UHC (PDP)UnitedHealthcare · S5921-357-0 | $126.40 | $112.70 | $700 | $63.20 | 3.0 |
| Humana Premier Rx Plan (PDP)Humana · S5884-158-0 | $127.90 | $114.20 | $350 | $108.60 | 4.5 |
| SilverScript Choice (PDP)Aetna Medicare · S5601-024-0 | $148.80 | $135.10 | $700 | $97.30 | 2.5 |
| BlueRx Enhanced Plus (PDP)BlueRx (PDP) · S1030-001-0 | $157.60 | $143.90 | $250 | $129.50 | 3.0 |
| AARP Medicare Rx Preferred from UHC (PDP)UnitedHealthcare · S5921-393-0 | $204.60 | $190.90 | $300 | $119.30 | 3.0 |