Medicare Advantage plans in West Virginia for 2027
Every West Virginia county has at least 21 open plans, an even spread for a rural state, and a small local insurer holds the only five-star rating.
Cabell, West Virginia: plans open to everyone on Parts A and B
38 plans
15 with a $0 premium and drug coverage · out-of-pocket limits $4,750 to $9,850 · best rating 5.0★ · 5 plan IDs of 2026 not renewed here
38 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 R0110-007 (Regional PPO)Humana · Regional PPO · R0110-007-0 | $0 | no drugs | $4,750 | 3.5★ |
| Freedom Blue PPO Valor (PPO)Highmark Blue Cross Blue Shield · PPO · H5106-038-0 | $0 | no drugs | $6,000 | 3.5★ |
| Humana USAA Honor Giveback (PPO)Humana · PPO · H5216-225-0 | $0 | no drugs | $6,500 | 4.0★ |
| Aetna Medicare Advantra Eagle Plus (HMO)Aetna Medicare · HMO · H1692-006-0 | $0 | no drugs | $6,900 | 3.5★ |
| The Health Plan SecureChoice Optimum (PPO)The Health Plan · PPO · H8604-014-2 | $0 | $425 | $7,000 | 3.0★ |
| AARP Medicare Advantage from UHC WV-0003 (PPO)UnitedHealthcare · PPO · H8211-006-0 | $0 | $685 | $7,150 | 3.0★ |
| AARP Medicare Advantage from UHC WV-5 (HMO-POS)UnitedHealthcare · HMO-POS · H4604-033-0 | $0 | $685 | $7,150 | 4.0★ |
| Aetna Medicare Advantra Signature (HMO)Aetna Medicare · HMO · H1692-002-0 | $0 | $400 | $7,150 | 3.5★ |
| Complete Blue PPO Signature (PPO)Highmark Blue Cross Blue Shield · PPO · H5106-030-1 | $0 | $700 | $7,150 | 3.5★ |
| Peak Advantage Vista (PPO)Peak Health · PPO · H8947-001-2 | $0 | $0 | $7,500 | 5.0★ |
| The Health Plan SecureCare Integrity Plan 1 (HMO)The Health Plan · HMO · H3672-021-0 | $0 | no drugs | $7,500 | 3.5★ |
| Humana Gold Plus H5619-113 (HMO-POS)Humana · HMO-POS · H5619-113-0 | $0 | $350 | $8,100 | 4.0★ |
| Humana USAA Honor Giveback (PPO)Humana · PPO · H5216-442-0 | $0 | no drugs | $9,150 | 4.0★ |
| Aetna Medicare Advantra Classic Giveback (PPO)Aetna Medicare · PPO · H1608-031-0 | $0 | $400 | $9,250 | 4.0★ |
| Aetna Medicare Advantra Signature Giveback (PPO)Aetna Medicare · PPO · H5521-729-0 | $0 | $400 | $9,250 | 4.0★ |
| Wellpoint Medicare Advantage (HMO-POS)Wellpoint · HMO-POS · H1212-003-0 | $0 | $325 | $9,250 | new |
| AARP Medicare Advantage Patriot No Rx WV-MA2 (HMO-POS)UnitedHealthcare · HMO-POS · H4604-036-0 | $0 | no drugs | $9,300 | 4.0★ |
| AARP Medicare Advantage Patriot No Rx WV-MA01 (PPO)UnitedHealthcare · PPO · H8211-005-0 | $0 | no drugs | $9,850 | 3.0★ |
| Aetna Medicare Advantra Signature Classic (PPO)Aetna Medicare · PPO · H1608-040-0 | $0 | $400 | $9,850 | 4.0★ |
| Humana Essentials Plus Giveback (PPO)Humana · PPO · H7617-065-0 | $0 | $700 | $9,850 | 4.5★ |
| Humana Gold Choice H8145-052 (PFFS)Humana · PFFS · H8145-052-0 | $0 | $700 | $9,850 | 4.0★ |
| Humana Value Choice (PPO)Humana · PPO · H5216-327-0 | $0 | $500 | $9,850 | 4.0★ |
| HumanaChoice Giveback H5216-328 (PPO)Humana · PPO · H5216-328-0 | $0 | $700 | $9,850 | 4.0★ |
| The Health Plan SecureCare - Option II (HMO)The Health Plan · HMO · H3672-020-0 · was $0 in 2026 | $13 | $395 | $7,500 | 3.5★ |
| Peak Advantage Summit (PPO)Peak Health · PPO · H8947-002-2 · was $16 in 2026 | $25 | $0 | $6,750 | 5.0★ |
| HumanaChoice H5216-425 (PPO)Humana · PPO · H5216-425-0 · was $15 in 2026 | $29 | $700 | $7,600 | 4.0★ |
| Aetna Medicare Advantra Enhanced (PPO)Aetna Medicare · PPO · H5521-727-0 | $31 | $700 | $7,150 | 4.0★ |
| Aetna Medicare Advantra Enhanced Classic (PPO)Aetna Medicare · PPO · H1608-027-0 · was $29 in 2026 | $31 | $700 | $7,150 | 4.0★ |
| HumanaChoice H5216-019 (PPO)Humana · PPO · H5216-019-0 · was $24 in 2026 | $34 | $700 | $6,800 | 4.0★ |
| AARP Medicare Advantage from UHC WV-0004 (PPO)UnitedHealthcare · PPO · H8211-011-0 · was $0 in 2026 | $51 | $685 | $7,150 | 3.0★ |
| Complete Blue PPO Distinct (PPO)Highmark Blue Cross Blue Shield · PPO · H5106-029-1 · was $24 in 2026 | $55 | $700 | $6,500 | 3.5★ |
| The Health Plan SecureChoice Reliance (PPO)The Health Plan · PPO · H8604-015-0 · was $43 in 2026 | $67 | $300 | $7,000 | 3.0★ |
| HumanaChoice R0110-008 (Regional PPO)Humana · Regional PPO · R0110-008-0 · was $52 in 2026 | $75 | $700 | $7,150 | 3.5★ |
| AARP Medicare Advantage from UHC WV-0001 (PPO)UnitedHealthcare · PPO · H8211-001-0 · was $57 in 2026 | $85 | $685 | $7,150 | 3.0★ |
| Aetna Medicare Premier (PPO)Aetna Medicare · PPO · H5521-728-0 | $109 | $400 | $9,850 | 4.0★ |
| Aetna Medicare Premier Classic (PPO)Aetna Medicare · PPO · H1608-085-0 · was $101 in 2026 | $109 | $400 | $9,850 | 4.0★ |
| Humana Full Access (PPO)Humana · PPO · H5216-124-0 · was $118 in 2026 | $121 | $700 | $7,150 | 4.0★ |
| Freedom Blue PPO Standard (PPO)Highmark Blue Cross Blue Shield · PPO · H5106-034-1 · was $134 in 2026 | $152 | $700 | $6,500 | 3.5★ |
Compiled by Radif Partners from the CMS landscape file of September 2026 · How the data is read
West Virginia has 51 Medicare Advantage plans open to anyone with Parts A and B for 2027, against 55 in 2026. The list is unusually even for a mountain state: from 38 open plans in Cabell, Kanawha and Mingo counties down to 21 in Mineral, so no county is left with only one or two choices. PPOs dominate, 39 against 11 HMOs. 22 of the 43 drug-covering plans charge no premium, and the lowest cap, $4,750, belongs to HumanaChoice R0110-007 (Regional PPO), a regional PPO at $0. The median cap is $7,150. The only five-star plan in the state is Peak Advantage Vista (PPO), from a local insurer, at $0 with a $7,500 cap. Humana Inc., CVS Health Corporation, Highmark Health file the most plans. 8 stand-alone drug plans are sold for 2027, against 12 in 2026.
A five-star plan from Morgantown
Peak Health, the insurer linked to the WVU Medicine system, files Peak Advantage Vista (PPO), rated 5 stars for 2027. A five-star plan in your county opens a special enrollment period: you can switch into it once between December 8 and November 30 of the plan year, even outside the fall window. As with any plan built around one health system, check that your doctors and the hospital you would use are in its network, particularly in the southern counties far from Morgantown.
Days left in the annual change period
Days left to change for 2027
38
| Last day | December 7, 2026 |
| New plan starts | January 1, 2027 |
PPOs in the hollows
With 39 PPOs among 51 open plans, West Virginia leans toward plans that keep paying out of network, at a higher share. That fits a state where the nearest specialist may be across the line in Ohio, Kentucky, Pennsylvania or Virginia. Kanawha County, around Charleston, lists 38 plans, 15 at $0 with drugs; Cabell, Kanawha, Mingo, Putnam share the longest list, and Mineral (21), Barbour (23), Morgan (23) the shortest.
Regional PPOs
Regional PPOs cover a whole Medicare Advantage region, which can span several states, with a single plan and one set of rules everywhere in it. The state's lowest cap comes from one of them, HumanaChoice R0110-007 (Regional PPO). A regional plan can be the simplest choice for someone who receives care on both sides of a state line, provided the hospitals used are in its network.
Changes for 2027
Open plans fell by 4 and stand-alone drug plans from 12 to 8. West Virginia lists 19 special needs plans, 15 for people with Medicaid. Neighbors: Ohio, Kentucky, Virginia, Pennsylvania.
Every county of West Virginia, 2027
| County | Plans open to all | $0 with drugs | Lowest max out of pocket | Rated 4★ or more | vs 2026 |
|---|---|---|---|---|---|
| Barbour | 23 | 7 | $4,750 | 11 | -6 |
| Berkeley | 35 | 14 | $4,750 | 18 | -1 |
| Boone | 30 | 10 | $4,750 | 16 | -1 |
| Braxton | 36 | 13 | $4,750 | 19 | -1 |
| Brooke | 34 | 13 | $4,750 | 16 | -2 |
| Cabell | 38 | 15 | $4,750 | 21 | same |
| Calhoun | 32 | 11 | $4,750 | 17 | -2 |
| Clay | 30 | 11 | $4,750 | 13 | -7 |
| Doddridge | 26 | 9 | $4,750 | 11 | -9 |
| Fayette | 37 | 14 | $4,750 | 20 | same |
| Gilmer | 33 | 12 | $4,750 | 18 | +2 |
| Grant | 28 | 11 | $4,750 | 11 | -2 |
| Greenbrier | 37 | 15 | $4,750 | 20 | same |
| Hampshire | 30 | 11 | $4,750 | 13 | -1 |
| Hancock | 31 | 11 | $4,750 | 15 | -4 |
| Hardy | 27 | 10 | $4,750 | 12 | -9 |
| Harrison | 33 | 13 | $4,750 | 16 | -3 |
| Jackson | 33 | 12 | $4,750 | 18 | +2 |
| Jefferson | 28 | 10 | $4,750 | 14 | -8 |
| Kanawha | 38 | 15 | $4,750 | 21 | same |
| Lewis | 28 | 10 | $4,750 | 12 | -5 |
| Lincoln | 30 | 11 | $4,750 | 13 | -7 |
| Logan | 26 | 10 | $4,750 | 13 | -3 |
| Marion | 33 | 13 | $4,750 | 16 | -3 |
| Marshall | 32 | 12 | $4,750 | 14 | -3 |
| Mason | 37 | 14 | $4,750 | 20 | same |
| McDowell | 36 | 14 | $4,750 | 19 | same |
| Mercer | 36 | 13 | $4,750 | 20 | +2 |
| Mineral | 21 | 5 | $4,750 | 9 | -5 |
| Mingo | 38 | 15 | $4,750 | 21 | +2 |
| Monongalia | 30 | 10 | $4,750 | 13 | -1 |
| Monroe | 29 | 9 | $4,750 | 15 | -2 |
| Morgan | 23 | 7 | $4,750 | 10 | -9 |
| Nicholas | 28 | 10 | $4,750 | 13 | -9 |
| Ohio | 33 | 13 | $4,750 | 15 | -3 |
| Pendleton | 34 | 12 | $4,750 | 19 | same |
| Pleasants | 33 | 12 | $4,750 | 18 | -1 |
| Pocahontas | 25 | 8 | $4,750 | 12 | -7 |
| Preston | 25 | 8 | $4,750 | 10 | -7 |
| Putnam | 38 | 15 | $4,750 | 21 | same |
| Raleigh | 34 | 12 | $4,750 | 18 | same |
| Randolph | 32 | 12 | $4,750 | 15 | same |
| Ritchie | 27 | 10 | $4,750 | 12 | -7 |
| Roane | 25 | 8 | $4,750 | 12 | -1 |
| Summers | 27 | 8 | $4,750 | 13 | -4 |
| Taylor | 32 | 12 | $4,750 | 17 | -4 |
| Tucker | 24 | 8 | $4,750 | 11 | -12 |
| Tyler | 25 | 9 | $4,750 | 12 | -12 |
| Upshur | 28 | 9 | $4,750 | 15 | same |
| Wayne | 38 | 15 | $4,750 | 21 | same |
| Webster | 26 | 9 | $4,750 | 13 | -12 |
| Wetzel | 24 | 8 | $4,750 | 11 | -9 |
| Wirt | 34 | 12 | $4,750 | 18 | -3 |
| Wood | 27 | 10 | $4,750 | 12 | -10 |
| Wyoming | 26 | 8 | $4,750 | 11 | -4 |
Stand-alone Part D plans in West Virginia
| 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 |