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Medicare Advantage Plans 2027: Costs, Benefits and How to Compare

Reviewed by Russell Noga, Licensed Medicare Insurance Broker (all 50 states) — Last updated September 17, 2026

Choosing among Medicare Advantage plans for 2027 means weighing coverage, network rules, extra benefits, and cost against your own health needs and budget.

This guide walks through everything that goes into that decision — how Medicare Advantage works, what’s changing for 2027, the four main plan types, what plans typically cost, how star ratings work, and exactly when you can enroll.

If you already know what you’re looking for, you can jump straight to compare 2027 Medicare Advantage plans in your area by ZIP code. Otherwise, read on — this guide covers the full picture.

If you’re comparing insurers rather than researching the program itself, see which carriers have the best Medicare Advantage plans for 2027, compared side by side on cost, star ratings and availability.

And before you compare plans at all, make sure Medicare Advantage is the right path for you. Our side-by-side on Medigap vs Medicare Advantage walks through how the costs, doctor networks and switching rules differ, including the enrollment window that does not come back.

Not sure Medicare Advantage is the right structure for you in the first place? Start with Original Medicare vs Medicare Advantage — it covers what each one costs, how doctor access differs, and the out-of-pocket gap that decides it for most people.

View Medicare Advantage Plans for 2027

What Is Medicare Advantage? (Medicare Part C Explained)

Medicare Advantage, also called Medicare Part C, is an alternative way to receive your Medicare benefits. Instead of getting coverage directly through the federal government (Original Medicare), you enroll in a plan offered by a private insurance company that’s approved by and contracts with Medicare.

Every Medicare Advantage plan is required to cover everything Original Medicare Part A (hospital coverage) and Part B (medical services) cover. Some plans in 2027 may go further, bundling in additional benefits Original Medicare doesn’t include on its own — these may include:

  • Prescription drug coverage (Part D), bundled into the plan
  • Dental, vision, and hearing coverage
  • Over-the-counter (OTC) allowances for health items
  • Fitness program memberships and transportation to medical appointments

In exchange for these added benefits, most Medicare Advantage plans use a provider network — meaning your choice of doctors and hospitals may be more limited than with Original Medicare, depending on the plan type you choose.

What Publishes on October 1, 2026

Everything written about 2027 plans before October 1 is either program-level rules or estimates. The plan-level detail that decides what you actually pay lands on a single day, two weeks before enrollment opens.

On October 1, 2026, these become public for every plan in your county:

  • The monthly premium and medical deductible for each 2027 plan
  • The maximum out-of-pocket limit, which caps what you can be charged for covered medical care
  • Provider networks, so you can check whether your own doctors and hospitals are in network for 2027
  • Drug formularies and tier placement, so you can check your specific prescriptions rather than guessing
  • Supplemental benefits such as dental, vision, hearing and over-the-counter allowances, with their actual dollar amounts
  • Which plans are being discontinued in your area, and what your carrier is moving you into if you do nothing

CMS publishes the 2027 Star Ratings in the same window, in early October. Together those two releases give you two full weeks to compare before enrollment opens on October 15.

Use the first two weeks of October, not the last two of November

Most people wait until enrollment opens and then rush. The people who choose well use the October 1 release to check three things before the window even starts: whether their doctors are still in network, whether their prescriptions are still covered at the same tier, and whether their current plan still exists in 2027. If any of those three has changed, you have a decision to make and two extra weeks to make it.

What's New for Medicare Advantage Plans in 2027

Every fall, the Centers for Medicare & Medicaid Services (CMS) finalizes updated premiums, star ratings, and supplemental benefits for the coming plan year. Here’s what to watch for as 2027 Medicare Advantage plans are finalized:

  • Premium trends — average national Medicare Advantage premium direction compared to 2026, published in CMS’s annual Landscape File
  • 2027 Star Ratings — CMS’s annual 1-to-5-star quality scores, which determine which plans qualify for special enrollment opportunities (see the Star Ratings section below)
  • Supplemental benefit trends — shifts in dental, vision, hearing, OTC allowance, and flex card benefit amounts
  • Carrier and network changes — insurers entering or exiting specific counties and service areas for 2027

That list is the short version. For the full breakdown of every Medicare Advantage plan change for 2027 — what carriers are cutting, what is being added, how benefits and costs move, and which changes are already confirmed — see our dedicated guide.

One carrier change is already confirmed and it is the largest of them. Humana is discontinuing plans covering roughly 600,000 members, with non-renewal letters dated October 2, 2026 and affected coverage ending December 31. If you hold a Humana plan, our page on which Humana plans are ending covers how to confirm whether yours is one of them and what your options are.

Plan premiums are only half the picture. Whichever 2027 plan you choose, you still pay the standard Medicare Part B premium on top of it, and that amount is set by CMS rather than by any insurer. For the projected figures, the income-related surcharges that hit higher earners, and the announcement timeline, see the 2027 Medicare Part B premium.

Not every carrier is pulling back. Kaiser Medicare Advantage plans 2027 covers the one major carrier that has announced no exits, sells in eight states plus DC, and rates 4 stars or higher on every plan it offers.

2027 Medicare Advantage plan details become public during the Medicare Annual Enrollment Period, October 15 – December 7, 2026, for coverage effective January 1, 2027.

CMS has already finalized the 2027 rules

Plans are being paid 2.48% more next year, chronic-illness benefit rules are tightening, and debit card disclosures are changing. Those are on the books now, separate from whatever carriers announce on October 1.

See the full breakdown of Medicare Advantage plan changes for 2027, including what is confirmed and what is still speculation.

Compare Medicare Advantage plans for 2027; plans, benefits, rates

How Medicare Advantage Star Ratings Work

Each fall, CMS scores every Medicare Advantage plan on a scale of 1 to 5 stars based on quality and performance measures, including member satisfaction, customer service, chronic condition management, and preventive care outcomes. These ratings matter for a few reasons:

  • Quality signal — a higher star rating generally reflects stronger member experience and care coordination
  • 5-Star Special Enrollment Period — if a 5-star plan is available in your area, you can switch into it once during a special enrollment window outside the standard Annual Enrollment Period
  • Bonus payments — plans with 4+ stars receive bonus payments from CMS, which many carriers reinvest into richer supplemental benefits

2027 Star Ratings are released by CMS each October, ahead of the Annual Enrollment Period — worth checking before you enroll or switch plans.

Medicare Advantage Plan Types for 2027: A Deep Dive

There are four main types of Medicare Advantage plans, each offered by different insurance companies such as Aetna and Humana, each with different network rules, costs, and flexibility. Here’s how each one actually works, plus the trade-offs of each.

Four types of Advantage plans

Health Maintenance Organization (HMO) Plans

HMO plans generally require you to choose a primary care physician and get care from doctors and hospitals within the plan’s network, except for emergency or urgent care. Many HMOs bundle in Part D prescription drug coverage — if your HMO includes it, you can’t also enroll in a stand-alone Part D plan.

⭐ Best For: people who want lower costs and don’t mind coordinating care through a primary doctor and staying in-network.

Preferred Provider Organization (PPO) Plans

PPO plans also use a network, but you can see out-of-network providers at a higher cost. Most PPO plans include prescription drug coverage — check your specific medications’ cost tier and confirm your doctors accept the plan. No primary care referral is required, and costs are typically lower when you stay in-network.

⭐ Best For: people who want more flexibility to see specialists without referrals or who split time between two locations (like snowbirds).

Private Fee-for-Service (PFFS) Plans

With a PFFS plan, the plan — not a network — sets how much it pays providers, and the provider must agree to those terms for each visit. You can see any Medicare-approved provider who accepts the plan’s terms, but visiting a non-participating provider can mean significantly higher costs. Some PFFS plans include Part D coverage; if not, you can enroll in a stand-alone Part D plan.

⭐ Best For: people in rural areas with fewer network-based plan options available.

Special Needs Plans (SNPs)

SNPs restrict enrollment to people who meet specific eligibility criteria — a qualifying chronic condition, dual eligibility for Medicare and Medicaid, or residence in an institution. Most operate like an HMO with a defined network and a care coordinator, and every SNP is required to include Part D prescription coverage. Benefits and provider networks are built around the condition or population the plan serves.

⭐ Best For: people managing a qualifying chronic condition (like diabetes or heart failure) or who are dual-eligible for Medicare and Medicaid.

 

2027 Medicare Advantage Plans Comparison Chart

The four plan types side by side on the rules that actually change what you pay and who you can see.

Plan type Network rules Referral needed Out-of-network care Part D included
HMO Must use the plan’s network; primary care physician generally required Usually yes, for specialists Emergency and urgent care only Usually — if it is, you cannot add a separate Part D plan
PPO Network preferred, but you may go outside it No Covered, at a higher cost share Usually — verify your drugs and their tiers
PFFS No network in most cases; the plan sets payment terms No Any Medicare provider who accepts the plan’s terms, checked visit by visit Sometimes — if not, you can add a stand-alone Part D plan
SNP Network-based, usually HMO-style, with a care coordinator Usually yes Emergency and urgent care only Always — required for every SNP

These are the general rules for each type. Individual plans vary, so confirm network, referral and drug coverage details in the specific plan’s 2027 Summary of Benefits before enrolling. Plan-level details for 2027 publish October 1, 2026.

Medicare Advantage Carriers Compared by Star Rating

CMS scores every Medicare Advantage contract from 1 to 5 stars on clinical quality, member experience and customer service. These are the 2026 Star Ratings, the most recent published set and the ones in effect while you shop for 2027 coverage.

Carrier Members in 4+ star plans Weighted average rating 5-star contracts What it means for you
Kaiser Permanente 100% 4.42 0 The highest rated carrier in the country, but it only sells in eight states plus the District of Columbia
Aetna (CVS Health) 81% 4.19 0 Strong ratings across a wide national footprint of 43 states plus DC, though down from 2025
UnitedHealthcare 78% 4.10 2 The largest carrier by enrollment and the only major one whose ratings improved this year
Elevance Health (Anthem) 55% 3.86 3 A large year over year gain, though two of its three 5-star contracts are in Puerto Rico
Humana 20% 3.61 0 The second largest carrier by enrollment and the one with the sharpest ratings problem going into 2027
HealthSpring 47% 3.58 0 The former Cigna Healthcare Medicare plans, renamed HealthSpring for 2026 after the business moved to Health Care Service Corporation
Wellcare (Centene) 20% 3.39 0 Recovering from a near total ratings collapse in 2025, but still the lowest of the national carriers

Only 21 contracts nationwide earned 5 stars for 2026, 18 of them Medicare Advantage with drug coverage. The organizations holding the most are Devoted Health and Elevance with three each, then Alignment Health and UnitedHealthcare with two each. The national enrollment weighted average across all Medicare Advantage drug plans is 3.98, and roughly 64 percent of members are in plans rated 4 stars or higher.

A carrier average is not your plan rating

Star ratings are assigned to individual contracts, not to companies, so the same carrier can hold 4.5 stars in one state and 3.5 in the next. Use the figures above to see which carriers are trending well nationally, then check the rating on the specific plans offered in your own county. CMS publishes the 2027 Star Ratings in early October 2026, just before enrollment opens.

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What to Compare in a 2027 Medicare Advantage Plan

Medicare Advantage Plans 2027 Comparison

Comparing 2027 Medicare Advantage plans side by side is the only way to see which one actually fits your doctors, your prescriptions, and your budget – because two plans in the very same ZIP code can differ by thousands of dollars a year.

Here’s exactly what to compare, and how to line the plans up so the right one is easy to spot.

These are the factors that decide your real cost and quality of care. Weigh every plan against all of them – not just the premium:

  • Monthly premium – many Medicare Advantage plans are $0, but $0 doesn’t always mean the lowest total cost.
  • Maximum out-of-pocket (MOOP) – the yearly cap that protects you if you get sick. Lower is better.
  • Provider network – confirm your doctors and hospitals are in-network. HMO vs PPO makes a big difference here.
  • Prescription drug coverage (Part D) – check each plan’s formulary for your specific medications and their tiers.
  • Extra benefits – dental, vision, hearing, OTC allowance, fitness, and transportation vary widely from plan to plan.
  • CMS Star Rating – Medicare’s 1–5 quality score. A 4+ rating signals a well-run plan.
  • Plan type & rules – HMO, PPO, PFFS, or a Special Needs Plan (SNP), and whether referrals or prior authorization are required (see the chart below).

How to Compare Medicare Advantage Plans 2027 Side by Side

  1. Enter your ZIP code on this page to show 2027 plans available in your county.
  2. Filter by what matters most to you – $0 premium, a specific carrier, or plan type.
  3. Line the plans up on the factors above: premium, MOOP, network, drugs, extras, and star rating.
  4. Confirm your doctors are in-network and your prescriptions are on the formulary.
  5. Compare the total estimated yearly cost – not just the monthly premium – then check the star rating.

Availability and cost vary enormously by state and county, which is why a national comparison only takes you so far. Florida is the clearest example, with one of the largest and most competitive markets in the country — our guide to Medicare Advantage plans in Florida covers which carriers compete there and how coverage differs between the metros and the rural counties.

California is the other end of the same lesson. It has more Medicare Advantage members than any state in the country, about 3.68 million, yet it sits almost exactly at the national median on how often people choose Advantage over Original Medicare. Our guide to Medicare Advantage plans in California covers the carriers competing there, the two separate Blue plans that confuse people every year, and why plan counts swing from more than a hundred in Los Angeles County down to zero in two counties.

Some states are shaped by history rather than size. Medicare Advantage plans in Minnesota show how far a single state can diverge — Minnesota runs ahead of the national enrollment average, has its own Medicare Supplement rules under a federal waiver, and is the one state where Medicare Cost plans were a dominant product before they were largely eliminated in 2018.

Ohio is the case for the opposite problem. The average Ohio beneficiary can choose from around 62 Medicare Advantage plans, one of the highest figures in the country, which turns the exercise from finding a plan into filtering out 61 of them. Our guide to Medicare Advantage plans in Ohio covers the regional carriers tied to each metro health system, and a gap in Ohio law that leaves 270,000 beneficiaries without any Medicare Supplement option at all.

Pennsylvania is the clearest example of a state that behaves like three separate markets. Roughly 1.6 million Pennsylvanians are in an Advantage plan, close to 58 percent, but which carriers compete for you depends entirely on where you live — western counties are dominated by health systems that own both the hospitals and the insurance plan, the Philadelphia region is a separate competitive market, and the central and northern tiers have noticeably thinner choices. Our guide to Medicare Advantage plans in Pennsylvania covers all three and why hospital affiliation matters more than premium there.

Carrier names change too. Cigna no longer sells Medicare plans under its own name — if you held a Cigna plan or are seeing the HealthSpring name for the first time, here is what happened to Cigna Medicare and who runs those plans now.

Use the quick reference below to see how the 2027 plan types stack up, then compare the plans in your area by ZIP code or call a licensed insurance agent at 1-855-454-9051 (TTY 711).

2027 Medicare Advantage Plan Comparison at a Glance

Plan Type Network Rule See Any Doctor? Rx Included? Referral Needed?
HMO In-network only (except emergencies) No Usually yes Often, for specialists
PPO In-network preferred, out-of-network allowed at higher cost Yes, at higher cost out-of-network Usually yes No
PFFS Plan sets payment terms; provider must accept Any Medicare-approved provider who accepts plan terms Sometimes No
SNP Tailored network for qualifying condition/status No Usually yes Often

Medicare Advantage vs. Original Medicare vs. Medicare Supplement

One of the most common points of confusion is how Medicare Advantage differs from Original Medicare and from Medicare Supplement (Medigap) insurance. Here’s the short version:

  • Original Medicare (Parts A & B) is run directly by the federal government. You can see almost any doctor who accepts Medicare nationwide, but it doesn’t cap your out-of-pocket costs and doesn’t include prescription drug, dental, vision, or hearing coverage on its own.
  • Medicare Advantage (Part C) replaces Original Medicare with a private plan that typically uses a network, caps your annual out-of-pocket spending, and often bundles in drug coverage and extra benefits.
  • Medicare Supplement (Medigap) works alongside Original Medicare — not instead of it — to help cover the out-of-pocket costs Original Medicare leaves behind, like copays and coinsurance. Medigap generally doesn’t use networks and doesn’t include extra benefits or drug coverage; you’d need a separate Part D plan.
Medicare advantage vs original Medicare

What Do 2027 Medicare Advantage Plans Cost?

  • Monthly premium: many 2027 Medicare Advantage plans offer $0 premiums, but availability depends on your area and carrier — you’ll still pay your Medicare Part B premium
  • Deductibles & copays: vary by plan; always confirm against the plan’s Summary of Benefits before enrolling
  • Out-of-pocket maximum: all Medicare Advantage plans are required to cap your annual out-of-pocket costs, unlike Original Medicare alone
  • Extra benefits: dental, vision, hearing, OTC allowances, and fitness benefits vary widely by plan and ZIP code

A simple way to think about it: a low or $0 premium plan isn’t automatically the cheapest option overall. Look at the total picture — premium, deductible, copays, and your specific prescriptions — before comparing plans on price alone.

 

Costs also swing hard by state and county. Georgia is a good example: more than half its Medicare population is already on Advantage, yet plan counts run from around 20 in some counties to more than 50 in others. Our guide to Medicare Advantage plans in Georgia breaks down the carriers, the star ratings and the metro versus rural gap.

View plans & benefits for your zip code

Medicare Advantage Enrollment Periods for 2027

Ready to act? Medicare open enrollment 2027 runs October 15 to December 7, 2026 — see the full calendar, what you are allowed to change, and the five things to check before the window opens.

New to Medicare?

The best time to enroll in a 2027 Medicare Advantage plan is during your Initial Enrollment Period (IEP) — the 3 months before your 65th birthday month, your birthday month, and the 3 months after.

December 7 is not the last window of the year. If you are already in a Medicare Advantage plan, the Medicare Advantage Open Enrollment Period runs January 1 through March 31 and gives you one more chance — switch plans or return to Original Medicare. That page covers every enrollment window and exactly what each one allows.

Coverage begins the first of the month after you enroll.

Already Enrolled in Medicare?

You can switch to or enroll in a Medicare Advantage plan during the Annual Enrollment Period (AEP), which runs October 15 – December 7, 2026, for coverage effective January 1, 2027.

Already in a Medicare Advantage Plan?

Current MA enrollees also get the Medicare Advantage Open Enrollment Period, January 1 – March 31, to switch to a different MA plan or return to Original Medicare — once per year.

Medicare advantage plans enrollment period 2027

Who Should Consider a Medicare Advantage Plan?

Medicare Advantage tends to be a good fit if you:

  • Want dental, vision, hearing, or OTC benefits bundled into one plan (*not available in all plans)
  • Are comfortable using a network of doctors and hospitals
  • Want a cap on your annual out-of-pocket medical costs
  • Prefer a single monthly premium instead of separate Medigap and Part D premiums

Original Medicare plus a Medicare Supplement may be a better fit if you:

  • Travel frequently or split time between multiple states
  • Want the widest possible choice of doctors and specialists nationwide with minimal network restrictions
  • Prefer more predictable, capped out-of-pocket costs per service over bundled extra benefits

Quality is the one dimension Medicare scores for you. Only eighteen contracts nationwide currently hold five stars, and our guide to top rated Medicare Advantage plans lists every one of them, explains what the ratings measure, and covers the enrollment rule that applies only to 5-star plans.

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Medicare Advantage Plans 2027 — Frequently Asked Questions

➤What’s new for Medicare Advantage plans in 2027?

Each fall, CMS finalizes updated premiums, star ratings, and supplemental benefits for the coming plan year. 2027 plan details are released to the public during the Medicare Annual Enrollment Period, October 15–December 7, 2026, with coverage starting January 1, 2027.

➤How much do Medicare Advantage plans cost in 2027?

Many Medicare Advantage plans offer $0 monthly premiums, though availability depends on your ZIP code and the carriers in your area. You’ll still need to pay your Medicare Part B premium regardless of which plan you choose.

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

The Medicare Annual Enrollment Period (AEP) runs October 15 through December 7, 2026, for coverage effective January 1, 2027. If you’re new to Medicare, you can also enroll during your Initial Enrollment Period.

➤What’s the difference between Medicare Advantage and Medicare Supplement plans?

Medicare Advantage (Part C) plans bundle Part A, Part B, and often Part D and extra benefits into one plan, typically using a provider network. Medicare Supplement plans work alongside Original Medicare and generally don’t use networks, but don’t include extra benefits or drug coverage.

➤Can I switch Medicare Advantage plans every year?

Yes. You can switch during AEP (October 15–December 7). There’s also a Medicare Advantage Open Enrollment Period from January 1 to March 31 for current MA enrollees to make one additional switch.

➤Do all Medicare Advantage plans include prescription drug coverage?

Most do, but not all. If a plan doesn’t include Part D drug coverage, you can typically enroll in a stand-alone Part D plan separately — but if your Medicare Advantage plan already includes drug coverage, you generally can’t also enroll in a separate Part D plan.

➤What happens if I move to a different state or county?

Moving outside your plan’s service area typically triggers a Special Enrollment Period, allowing you to choose a new Medicare Advantage plan or switch back to Original Medicare outside of the standard enrollment windows.

➤Are Medicare Advantage star ratings the same every year?

No. CMS recalculates star ratings annually based on the most recent performance and satisfaction data, so a plan’s rating for 2027 may differ from its 2026 rating — it’s worth checking each year even if you’re happy with your current plan.

➤What should you compare when choosing a 2027 Medicare Advantage plan?

Focus on the factors that drive your real cost and care: the monthly premium and maximum out-of-pocket, whether your doctors are in-network, whether your medications are covered, the extra benefits included (dental, vision, hearing, and more), and the plan’s star rating.

➤How do I compare Medicare Advantage plans for 2027?

Enter your ZIP code below on this page to see plans available in your county, then compare them by premium, maximum out-of-pocket, provider network, drug coverage, extra benefits, and CMS star rating.

Before you choose, confirm your doctors are in-network and your prescriptions are on the plan’s formulary.

➤Is there a tool to compare 2027 Medicare Advantage plans side by side?

Yes – right on this website! Just enter your ZIP code above to line up the 2027 Medicare Advantage plans available in your area side by side, or call one of our licensed insurance agents at 1-855-454-9051 (TTY 711) to walk through the comparison with you.

➤What company has the highest rated Medicare Advantage plan?

CMS rates every Medicare Advantage plan on a 1 to 5 star scale and republishes those ratings each October. Kaiser Permanente has consistently held the highest ratings of any carrier, and every plan it offers for 2027 carries 4 stars or higher. The catch is availability: Kaiser only sells in eight states plus the District of Columbia.

Among the national carriers, star ratings move by plan and by county rather than by company, so a carrier can hold 4.5 stars in one state and 3.5 in the next. A 5 star plan you cannot buy where you live is worth nothing to you. Check the rating attached to the specific plans offered in your own county, not the carrier’s national reputation.

One practical benefit worth knowing: if a 5 star plan is available in your area, you can switch into it once between December 8 and November 30 using a special enrollment period, outside the regular fall window.

➤What are the Medicare Advantage rates for seniors in 2027?

Plan level premiums for 2027 are not public until October 1, 2026. Anything quoted before that date is an estimate. Many Medicare Advantage plans carry a $0 monthly premium, and that is likely to remain common in 2027, but the figure that matters more is the one underneath it.

You pay the Medicare Part B premium regardless of which plan you choose. It is projected at $209.50 a month for 2027, up from $202.90. A $0 premium plan means $0 to the insurer, not $0 for Medicare.

The drug cost figures for 2027 are already final. The Part D standard deductible rises to $700 from $615, and the annual out of pocket cap on prescriptions rises to $2,400 from $2,100. Those apply to the drug coverage built into a Medicare Advantage plan as well as to standalone drug plans. Everything else, including copays, provider networks and extra benefits, varies by county and will not be confirmed until October 1.

➤Which Medicare Advantage plan denies the most claims?

Medicare Advantage insurers made 52.8 million prior authorization determinations in 2024 and denied 4.1 million of them in full or in part, an overall denial rate of 7.7 percent. Across the largest firms the rate ranged from 4.2 percent at the low end to 12.8 percent at the high end.

Those numbers are less comparable than they look. Insurers decide for themselves which services need prior authorization at all, so a company that reviews far more requests will usually show a lower denial percentage simply because more of what it reviews is routine. The firm with the highest denial rate in 2024 required only one prior authorization per enrollee, while the firm with the lowest required three. Judging a carrier on denial rate alone rewards the companies that ask for approval on everything.

The more useful number is what happens afterward. Only 11.5 percent of denied requests were appealed in 2024, and more than 80 percent of those appeals were overturned in the patient’s favor. That pattern has held every year since 2019. If your plan denies something your doctor says you need, appealing it is far more likely to work than most people assume.

➤What does Dave Ramsey say about Medicare Advantage plans?

Ramsey Solutions has generally favored Original Medicare paired with a Medicare Supplement policy over Medicare Advantage for people who can comfortably afford the additional monthly premium. The reasoning centers on provider freedom and cost predictability: a supplement lets you use any doctor who accepts Medicare, and your costs are largely fixed in advance.

It is a fair argument, and it is also not the right answer for everyone. That approach costs meaningfully more each month and requires a separate drug plan on top. Medicare Advantage suits people who want a lower monthly outlay, drug coverage bundled in, a hard annual cap on medical spending, and extras like dental or vision. The honest version is that the two are different trades rather than a right and a wrong choice, and the deciding factors are usually your budget, whether your doctors are in network, and how much you travel.

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This website and Medicare Advantage plans are not affiliated or connected with the Federal Medicare program or any other government agency. We do not offer every plan available in your area. Currently we represent 193 organizations which offer 4,624 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. Data represented is for the plan year 2027. CompareMedicareAdvantage.org is a Website owned and operated by ZRN Health & Financial Services, LLC, a Texas limited liability company. *You must continue to pay your Medicare Part B premium. $0 premium plans may not be available in all areas. Not all plans offer all benefits mentioned. By submitting your information in the form and clicking ‘Find Plans’, you agree to this site’s privacy policy and expressly consent to be contacted at the number entered in the form, (including a wireless number if provided) by insurance professionals or other partners offering related offers that might be of interest to me by phone or email. You understand that these calls may be generated using an automatic telephone dialing system, a pre-recorded message or artificial voice, or by sending SMS messages. Your telephone company may impose additional charges on the subscriber for such messages. You understand that you are not required to provide this authorization to purchase goods or services. Receiving quotes through our website is always free and you are under no obligation to purchase any goods or services as a result of this request. The Medicare plans represented are PDP, HMO, PPO or PFFS plans with a Medicare contract. Enrollment in plans depends on contract renewal. Enrollment in a plan may be limited to certain times of the year unless you qualify for a special period or you are in your Medicare Initial Election Period. Deductibles, copay and coinsurance may apply. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY users should call 1-877-486-2048) 24 hours a day/7 days a week to get information on all of your options.