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Devoted Medicare Advantage 2027

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

Devoted Health is adding 342 counties for 2027 and entering Connecticut, Michigan, New Hampshire, New Jersey and New York, one of the few insurers growing while several large companies cut back.

Devoted Health was founded in 2017 and offers only Medicare Advantage plans. Its pitch is a simpler member experience, with a single team that helps members with benefits, claims and care, and its plans include HMOs and PPOs depending on the area.

The timing matters. With Humana, Aetna, UnitedHealthcare, HCSC and others pulling out of counties for 2027, Devoted is one of the options some people will see for the first time this fall. This page covers where Devoted is expanding, what its plans may include, and how to compare. See compare Devoted plans and Devoted Health Medicare Advantage 2027.

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

Key Highlights

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Devoted is adding 342 counties for 2027.

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Devoted is entering Connecticut, Michigan, New Hampshire, New Jersey and New York.

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Devoted offers only Medicare Advantage, with HMO and PPO plans depending on county.

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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

Devoted Plan Types

HMO Plans

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Usually lower premiums and copays

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Use in-network doctors except emergencies

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May need referrals for specialists

PPO Plans

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See out-of-network doctors at a higher cost

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Usually no referrals needed

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More flexibility if you travel

Devoted’s lineup varies by county. Premiums, plan types and benefits differ from one area to the next, and some areas may also have plans designed for people with both Medicare and Medicaid. Check the exact plans in your ZIP code, because a plan available in one county may not be offered in the next.

Benefits Devoted Plans May Offer

Devoted 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.

Medicare Advantage Explained

What Changed for 2027

342 Counties

New Devoted counties for 2027.

5 New States

CT, MI, NH, NJ and NY.

Devoted’s expansion lands in several areas where other insurers are pulling back. HCSC is leaving Connecticut and New York, and Aetna is leaving New Hampshire, so people in those states may see Devoted among their 2027 options.

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.

Find & Compare Plans Online

Speak with a licensed insurance agent

1-855-398-0716TTY 711

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Is a Newer Insurer Right for You?

Devoted is younger and smaller than the national insurers. That is not good or bad by itself, but it changes what you should check:

Questions to Answer

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Is your primary care doctor in Devoted’s 2027 network?

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Are your specialists and preferred hospital in network?

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Are all your drugs on the formulary, at what tier?

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What is the plan’s star rating, or is it too new to be rated?

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How does the out-of-pocket maximum compare with other plans in your county?

If your current plan is ending for 2027 and Devoted is new in your area, compare it side by side with the other plans available. The best choice is the plan that covers your doctors and drugs at the lowest total cost, whichever company offers it.

How Medicare Advantage Works

Medicare Advantage, also called Part C, is a way to get your Medicare benefits through a private insurance company approved by Medicare. The plan covers everything Original Medicare Part A and Part B cover, except hospice care, which Original Medicare still pays. Most plans also include Part D drug coverage, and many may add extras such as routine dental, vision and hearing benefits.

In exchange, Devoted plans generally use networks of doctors and hospitals, and may require referrals or prior authorization for some services. Every Medicare Advantage plan has a yearly out-of-pocket maximum for covered medical care, which Original Medicare does not have. You keep paying your Part B premium, plus your plan’s premium if it has one.

Feature HMO PPO
Out-of-network care Not covered except emergencies and urgent care Covered at a higher cost
Referrals for specialists Usually required Usually not required
Premiums Usually lower Usually higher
Out-of-pocket maximum In-network limit In-network limit plus a higher combined limit
Best for Lower costs, local care Flexibility, travel, keeping specific doctors

How Devoted Medicare Advantage Handles Prescription Drugs

If Your Plan Is Ending

If your Devoted 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.

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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.

How to Compare Devoted Plans for 2027

How to Compare

1

Read your Annual Notice of Change. It lists every change to your current plan for 2027.

2

Check your doctors and hospitals. Confirm each provider is in the 2027 network, not just the 2026 one.

3

Check your prescriptions. Confirm each drug, its tier and any prior authorization or step therapy rules.

4

Compare total yearly cost. Add the premium, typical copays and drug costs, and look at the out-of-pocket maximum.

5

Check star ratings. Medicare rates plans from 1 to 5 stars on quality and service.

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Enroll by December 7. Your new coverage starts January 1, 2027.

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.

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

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.

Help Paying Medicare Costs

If your income and savings are limited, two programs can cut your Medicare costs sharply:

Medicare Savings Programs

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Run by your state Medicaid office

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Can pay your Part B premium, and sometimes deductibles and coinsurance

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Income and asset limits vary by state

Extra Help (Part D)

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Run by Social Security

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Lowers Part D premiums, deductibles and copays

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People in a Medicare Savings Program qualify automatically

If you qualify for both Medicare and full Medicaid, you may also be able to join a Dual Special Needs Plan. See help for low-income Part D beneficiaries.

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

Devoted Health is expanding into 342 new counties and five new states for 2027. If it serves your county, compare it with other plans by doctors, drugs and total cost during Annual Enrollment, October 15 to December 7, 2026.

Compare plans and enroll online

Frequently Asked Questions

➤ Is Devoted expanding for 2027?

Yes. Devoted Health is adding 342 counties for 2027 and entering Connecticut, Michigan, New Hampshire, New Jersey and New York. Availability still depends on your county, so search your ZIP code on Medicare Plan Finder to see whether a Devoted plan is offered where you live.

➤ What is Devoted Health?

Devoted Health is a Medicare Advantage-only insurance company founded in 2017. It offers HMO and PPO plans, depending on the county. Because it focuses only on Medicare Advantage, it does not sell Medigap policies, so compare its plans with other Medicare Advantage options in your area.

➤ Is Devoted a good Medicare Advantage plan?

It depends on your area and needs. Confirm your doctors and drugs are covered, check the plan’s star rating, and compare its total costs with other plans in your county.

➤ Does Devoted offer $0 premium plans?

Some Devoted plans may have a $0 premium, but premiums and availability vary by county. You still pay your Part B premium with any Medicare Advantage plan. A low premium does not always mean low total cost, so also compare the out-of-pocket maximum, copays and drug costs.

➤ Do Devoted plans include dental and vision?

Many Devoted plans may include routine dental, vision and hearing benefits, but not all plans offer all benefits, and amounts vary by plan and county. Check the plan’s 2027 Summary of Benefits for annual limits, networks and what services count before you enroll.

➤ When can I enroll in a Devoted Medicare Advantage plan for 2027?

Annual Enrollment runs October 15 to December 7, 2026, with coverage starting January 1, 2027. If you are already in Medicare Advantage, you can also make one change from January 1 to March 31, 2027.

➤ 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

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