About PlainMedicare
PlainMedicare puts the Medicare Advantage and Part D plan files of the Centers for Medicare & Medicaid Services (CMS) on plain pages: what each plan costs in 2027, what changed from 2026, and whether it renews, folds into another plan or ends. It covers 5,089 Medicare Advantage plans and 323 stand-alone drug plans for 2027, every individual plan of 2026, and 3,238 counties.
Who publishes PlainMedicare?
PlainMedicare is operated by Kiznis Studio, an independent data-engineering studio in Lithuania. The studio is solo-operated: one person builds and runs it, working with AI tools, and PlainMedicare is one of its reference sites, each with its own subject and its own sources. Kiznis Studio answers for everything published here: the figures, the wording and the corrections.
Messages to hello@plainmedicare.com are read by that person, who checks every reported error against the CMS file it came from.
What can you find here?
A page for every Medicare Advantage and Part D plan in the CMS files for 2026 and 2027, with its premium, out-of-pocket limit, extra benefits, drug tiers and what changes between the two years; a page for each contract and each insurer brand; a page for every county and state with the plans sold there; and a page for each of 2,259 drugs showing how many plans cover it and on which tier. The 2027 changes analyses count the plans that are not offered next year, the plans that fold into others, the Part B giveback and $0-premium plans, and how costs and benefits move. Guides explain open enrollment, what to do if a plan ends, and how Medicare Advantage differs from Original Medicare, citing the Medicare.gov pages they rely on.
Employer and union group plans, which are not sold to individuals, appear on their contract's page with their members and their 2027 status only, because CMS publishes no premiums or benefits for them.
What can you check yourself?
Every section that shows figures ends with a source line naming the CMS file and its date. Plan pages also link Medicare Plan Finder, where you can confirm a plan's premium and benefits before you enroll. The methodology page lists each file, how it is joined to the others and what it cannot tell you.
How is it made?
A scripted pipeline loads the CMS files into one database, matches every plan to its counties and to its 2026 or 2027 counterpart, and writes each page from that plan's, county's or drug's own numbers. Kiznis Studio uses AI tools to write the code, the page designs and the explanatory text of the guides, and reads that text against the files; the figures come from database queries, not from a model.
What is PlainMedicare not? (disclaimer)
PlainMedicare is not a government site and is not affiliated with CMS, Medicare or any insurer. It sells no plans, is not a broker or agent, and takes no payment for placement; its ads are sold through Journey by Mediavine, may come from insurers or brokers, and do not change what a page says. The information is for general reference and is not medical, legal or financial advice: before you enroll, confirm a plan's details with the plan, on Medicare.gov or by calling 1-800-MEDICARE.
Who pays for it?
The site is paid for by advertising served by Journey by Mediavine. Advertisers have no say over what the pages show, and no plan is ranked for money. The privacy page lists every tool that runs on the site and what it stores.
How do you reach us or report an error?
Write to hello@plainmedicare.com with a question or an error. Fixed errors are listed with their dates on the corrections page, and the editorial policy says how they are handled.