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Medicare Advantage Plan Finder 2027

Reviewed by Russell Noga, Licensed Medicare Insurance Broker (all 50 states) — Last updated October 8, 2026

2027 Medicare Advantage plans are searchable now on Medicare Plan Finder: enter your ZIP code, prescriptions and pharmacies, then compare plans by estimated yearly cost, out-of-pocket maximum, network and star rating. 2027 plan details went live October 1, 2026.

The plan finder lists every Medicare Advantage plan in your county side by side, from every insurer. For 2027 that matters more than usual: several large insurers are leaving counties and cutting PPOs, while a few smaller ones are expanding, so the plans on your screen this year may look quite different from last year.

This guide shows how to search, what each result means, and what to check before you enroll. For drug-only plans, see the Part D plan finder 2027, and for an overview of plans, see Medicare Advantage plans 2027.

✔ Licensed in all 50 states
✔ Based on CMS 2027 data
✔ Free plan comparison

Key Highlights

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2027 Medicare Advantage plans went live on Medicare Plan Finder on October 1, 2026.

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Search by ZIP code, then add your prescriptions and pharmacies for accurate cost estimates.

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Compare total yearly cost and the out-of-pocket maximum, not just the premium.

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The national average 2027 Medicare Advantage premium is $12 a month, down from $14.37 (CMS).

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Annual Enrollment runs October 15 to December 7, 2026.

Compare plans and enroll online

Before You Search

Have These Ready

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Your ZIP code and county

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Your doctors, specialists and preferred hospital

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Every prescription with dose and how often you fill it

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Your pharmacies, including mail order

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Your current plan’s Annual Notice of Change or non-renewal letter

If your current plan is ending, keep your non-renewal letter handy. Your plan will not appear in 2027 results, and the letter explains your Special Enrollment Period.

Benefits 2027 Plans May Offer

Medicare Advantage Plans May Include

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Hospital and medical coverage, the same as Original Medicare Part A and B

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Part D prescription drug coverage on most plans

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Routine dental, vision and hearing benefits

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Fitness programs and over-the-counter allowances

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Telehealth visits and care coordination programs

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A yearly out-of-pocket maximum on every plan

Not all plans offer all benefits. Benefits vary by plan and county and can change for 2027. Check each plan’s Evidence of Coverage before you enroll.

What is a Medicare Advantage Plan

How to Search Step by Step

Using the Finder

1

Go to Medicare Plan Finder on Medicare.gov. Log in to save your drug list, or continue without logging in.

2

Choose “Medicare Advantage plan”. This shows plans that combine hospital, medical and usually drug coverage.

3

Enter your ZIP code and county. Plans are offered county by county.

4

Add your drugs and pharmacies. Without them, drug cost estimates are left out.

5

Filter by plan type and insurer. HMO, PPO or Special Needs Plans; filter by star rating if you like.

6

Sort by “Lowest drug + premium cost”. Then compare the out-of-pocket maximum for each plan.

7

Open the plan details. Check copays for doctors, specialists, hospital stays and extras.

8

Confirm your doctors. Use the plan’s 2027 provider directory or call the plan before enrolling.

Find & Compare Plans Online

Speak with a licensed insurance agent

1-855-398-0716TTY 711

Mon-Fri: 8am-9pm ET

What the Results Mean

Result What It Tells You What to Look For
Estimated yearly drug + premium cost Premium plus estimated drug costs for the year The best single number for drug costs
Health plan deductible What you pay before some medical coverage starts Many plans have none for in-network care
Out-of-pocket maximum The most you pay for covered medical care in a year Lower is safer if you have health problems
Copays and coinsurance What you pay per doctor visit, specialist or hospital day Match these to how often you get care
Star rating Medicare’s 1 to 5 star quality score 4 stars or higher is generally a good sign
Extra benefits Dental, vision, hearing, fitness and more Check limits and networks, not just yes or no

The plan finder does not estimate your medical costs the way it estimates drug costs, because it does not know how much care you will use. A simple way to stress-test plans: compare what you would pay with a few doctor visits, and what you would pay in a bad year when you hit the out-of-pocket maximum.

What Changed for 2027

Use the plan finder to see how the 2027 changes affect your county. Nationally, the numbers are steady:

$12 a Month

Average 2027 Medicare Advantage premium, down from $14.37 in 2026 (CMS).

About 34 Million

People CMS projects will be in Medicare Advantage in 2027, about 47% of Medicare.

About 5,532

Medicare Advantage plans nationwide for 2027, nearly flat from 5,553.

8 in 10

Members who can keep their current plan at the same or a lower premium (CMS).

The national numbers look calm, but they hide a lot of movement underneath. Several of the largest insurers are trimming PPO plans and pulling standard plans out of counties where they lost money, while a few smaller companies are growing. That means your own plan can change a great deal even in a year when the national average premium goes down.

Insurer Key 2027 Changes
UnitedHealthcare 852 plans (up from 846); standard plans pulled from about 140 counties; leaving Wyoming; 34 PPOs cut
Humana 861 plans (down from 887); leaving 57 counties and Minnesota; 37 PPOs cut; about 600,000 members’ plans ending
Aetna (CVS Health) 654 plans (up from 642); standard plans pulled from 123 counties; leaving Maryland and New Hampshire; 20 PPOs cut; 29 C-SNPs added
HCSC (including HealthSpring) From 948 counties to about 478; leaving CT, KS, MT, NY, OR, UT and D.C.; 48 PPOs cut
Centene (Wellcare) Standard plans pulled from 344 counties; leaving Hawaii, Oklahoma and Tennessee
Elevance (Anthem) Standard plans pulled from 56 counties; leaving South Carolina
Devoted Health Adding 342 counties; entering CT, MI, NH, NJ and NY

Source: CMS 2027 landscape data as reported by Becker’s, October 1, 2026, and company announcements. Wellmark, Blue Cross Blue Shield of North Dakota and Blue Cross Blue Shield of Mississippi are also exiting Medicare Advantage for 2027.

Comparing Plan Costs and Coverage Options

If Your Plan Is Ending

If your plan will not be offered in your county for 2027, you should have received a non-renewal notice in early October. Your coverage does not stop right away: it continues through December 31, 2026, so you have time to choose.

If Your Plan Is Ending

1

Read the non-renewal letter. It confirms your plan is ending and explains your options.

2

List your doctors and drugs. You will need them to compare replacement plans.

3

Compare plans for 2027. Check networks, drug coverage and the out-of-pocket maximum, not just the premium.

4

Choose by December 31 for no gap. Enrolling during Annual Enrollment by December 7 gives you coverage on January 1, 2027.

5

Use your Special Enrollment Period if needed. People whose plans end generally can still make a choice through the end of February 2027.

If you do nothing: you return to Original Medicare on January 1, 2027, without drug coverage unless you choose a Part D plan. Going without drug coverage can lead to a late enrollment penalty.

Medigap rights: when your Medicare Advantage plan leaves your area, you generally have a guaranteed issue right to buy certain Medicare Supplement plans without health questions, up to 63 days after your coverage ends.

Star Ratings

Medicare rates every Medicare Advantage and Part D plan from 1 to 5 stars each fall, based on things like preventive care, how well the plan manages chronic conditions, member complaints, customer service and drug pricing accuracy. The ratings are shown in Medicare Plan Finder.

Using Star Ratings

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A rating of 4 stars or higher is generally a good sign of quality and service

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Five-star plans have a special enrollment period, so you can switch into one once during the year

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New plans may not have a rating yet, which is not a bad sign by itself

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Ratings measure the plan overall, not how well it covers your specific doctors and drugs

2027 Enrollment Dates

Enrollment Period Dates What You Can Do
Annual Enrollment Period October 15 to December 7, 2026 Join, switch or drop a Medicare Advantage or Part D plan for January 1, 2027
Medicare Advantage Open Enrollment January 1 to March 31, 2027 If you are in Medicare Advantage, switch to another plan or return to Original Medicare once
Initial Enrollment Period 7 months around your 65th birthday month Sign up for Medicare and choose your first plan
Special Enrollment Periods Varies Change plans after events like moving, losing other coverage or your plan leaving your area

Most people make changes during Annual Enrollment. If you are happy with your current plan, you do not have to do anything; it renews automatically. Still, read your Annual Notice of Change, because premiums, copays, networks and drug lists can all change on January 1.

Medicare Advantage or Medigap?

Medicare Advantage Original Medicare + Medigap
Monthly premium Often low or $0 (2027 average $12, CMS) Higher; varies by plan letter, age and ZIP
Doctors Usually a network Any provider in the U.S. that accepts Medicare
Costs when you get care Copays and coinsurance up to a yearly maximum Low and predictable; little or nothing on Plan G after the Part B deductible
Drug coverage Usually included Add a separate Part D plan
Dental, vision, hearing Many plans may include some coverage Not included
Changing later Every year during Annual Enrollment Health questions in most states after your Medigap Open Enrollment Period

Guaranteed issue: if your Medicare Advantage plan leaves your area, you generally can buy certain Medicare Supplement plans without health questions, until 63 days after your coverage ends.

Getting Help

You do not have to compare plans alone, and you should not have to pay for help. These are the free options:

Free Help Comparing Plans

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Medicare Plan Finder on Medicare.gov, available any time

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1-800-MEDICARE (1-800-633-4227), available 24 hours a day, seven days a week

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Your State Health Insurance Assistance Program (SHIP), which offers free, unbiased counseling

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A licensed insurance agent or broker, who can compare plans from several insurers at no cost to you

Before any call, have your Medicare card, your list of drugs and doses, your doctors and your preferred pharmacies ready. It turns a long conversation into a short one.

Bottom Line

The Bottom Line

Use Medicare Plan Finder to search every 2027 Medicare Advantage plan in your county. Add your drugs and pharmacies, compare total yearly cost and the out-of-pocket maximum, confirm your doctors, and enroll between October 15 and December 7, 2026.

Compare plans and enroll online

Frequently Asked Questions

➤ How do I find 2027 Medicare Advantage plans?

Use Medicare Plan Finder on Medicare.gov, enter your ZIP code and choose Medicare Advantage plans. You can also compare plans with a licensed agent or your State Health Insurance Assistance Program at no cost.

➤ When did 2027 plans show up in the plan finder?

2027 plans appeared in Medicare Plan Finder on October 1, 2026. You can review and compare them now, but enrollment opens October 15 and runs through December 7, 2026, for coverage starting January 1, 2027. Using the weeks before enrollment opens to check your doctors and drugs makes the final decision easier.

➤ What should I compare besides the premium?

Look at the out-of-pocket maximum, copays for the care you actually use, whether your doctors and hospitals are in network, your drug costs, and the plan’s star rating. A plan with a low premium can still cost more over a year if its copays and drug costs are higher. Enter your prescriptions in Plan Finder to see an estimated total yearly cost.

➤ Does the plan finder show if my doctor is in network?

Not reliably for every plan, so do not rely on Plan Finder alone to confirm your doctors. Check each plan’s 2027 provider directory or call the plan to confirm your doctors, specialists and hospitals before you enroll. Networks can change from year to year, so confirm even if you are staying with the same insurer.

➤ Why is my current plan not in the plan finder?

If your plan is not offered for 2027 in your county, it will not appear. You should have received a non-renewal letter explaining your options and Special Enrollment Period.

➤ Can I enroll through the plan finder?

Yes. You can enroll online through Medicare Plan Finder, by calling the plan, by calling 1-800-MEDICARE, or with a licensed agent. Enrolling in a new Medicare Advantage plan during Annual Enrollment generally ends your old plan automatically when the new one starts on January 1, 2027. Keep your confirmation number until your new member ID card arrives.

➤ What happens if my Medicare Advantage plan is ending?

You will get a non-renewal notice, and your coverage continues through December 31, 2026. You can choose a new plan during Annual Enrollment or a Special Enrollment Period, and you generally have a guaranteed issue right to buy certain Medigap plans.

Have Questions?

Speak with a licensed insurance agent

1-855-398-0716

TTY users 711

Mon-Fri: 8am-9pm ET

Find & Compare Plans Online

Speak with a licensed insurance agent

1-855-398-0716TTY 711

Mon-Fri: 8am-9pm ET

ZRN Health & Financial Services, LLC, a Texas limited liability company

MedicarePlansGuide.org
1200 Lakeway Drive, Suite 17A
Austin, TX 78734

TERMS & CONDITIONS | PRIVACY POLICY | EDITORIAL POLICY | DISCLOSURE

This website and MedicarePlansGuide.org are privately owned and operated and are not affiliated with, endorsed by, or connected to the Federal Medicare program or any other government agency. We do not offer every plan available in your area. Currently we represent multiple organizations which offer Medicare Advantage, Medicare Supplement Insurance plans, and Medicare Prescription Drug plans. Not all plans offer all benefits mentioned. Benefits, premiums, deductibles, copayments, coinsurance, exclusions, and limitations may vary by plan, carrier, and location and may change over time.

By submitting your information through this website, you agree to the site’s privacy policy and expressly consent to be contacted by a licensed insurance agent or insurance company regarding Medicare insurance plans by phone, email, or text message at the number provided, including a wireless number, using automated technology, prerecorded messages, or artificial voice. Consent is not a condition of purchase. Message and data rates may apply.

Enrollment in a Medicare plan may be limited to certain times of the year unless you qualify for a Special Enrollment Period. Plan availability depends on contract renewal. We do not offer every plan available in your area. Any information provided is limited to the plans we offer in your area.

For complete and official information about Medicare benefits and coverage options, visit Medicare.gov or call 1-800-MEDICARE (TTY users: 1-877-486-2048), 24 hours a day, 7 days a week.

MedicarePlansGuide.org is owned and operated by ZRN Health & Financial Services, LLC, a Texas limited liability company.