Medicare Advantage plans in Franklin, AL, 2027
Franklin, Alabama has 30 Medicare Advantage plans open to everyone for 2027 (29 in 2026) and 26 special needs plans, according to the CMS landscape files; 20 of the open plans have a $0 premium. 6 plans that served the county in 2026 end or leave it, with 176 members living here in September 2026.
What changes in Franklin for 2027?
| In the county | 2026 | 2027 | Change |
|---|---|---|---|
| Plans open to everyone | 29 | 30 | ▲up 1 |
| Special needs plans | 18 | 26 | ▲up 8 |
| Plans with a $0 premium | 16 | 20 | ▲up 4 |
| Plans that lower the Part B premium | 10 | 8 | ▼down 2 |
| Median out-of-pocket limit | $5,900 | $6,330 | ▲up $430 |
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision); CMS plan benefit package files, 2027 and 2026.
Which plans can anyone in Franklin join?
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| Humana USAA Honor GivebackH4461-075 · HMO | $0 | $4,150 | $135 | 4 of 5 |
| Humana USAA Honor GivebackH5216-236 · PPO | $0 | $4,150 | $102 | 3.5 of 5 |
| HumanaChoiceH5216-269 · PPO | $0 | $4,450 | none | 3.5 of 5 |
| HumanaChoiceH7617-091 · PPO | $0 | $4,450 | none | 4.5 of 5 |
| HumanaChoiceR0110-017 · Regional PPO | $0 | $4,650 | none | 3.5 of 5 |
| Devoted Choice 008 ALH7028-008 · PPO | $0 | $5,600 | none | 4.5 of 5 |
| Humana Value PlusH5216-179 · PPO | $0 | $6,200 | none | 3.5 of 5 |
| AARP Medicare Advantage Essentials from UHC AL-3H2802-041 · HMO-POS | $0 | $6,300 | none | 4 of 5 |
| Humana Gold PlusH4461-078 · HMO | $0 | $6,360 | none | 4 of 5 |
| Aetna Medicare Signature CareH3239-020 · HMO | $0 | $6,750 | none | 3.5 of 5 |
| Blue Advantage ChoiceH0104-016 · PPO | $0 | $7,150 | none | 4 of 5 |
| AARP Medicare Advantage from UHC AL-0001H0432-003 · HMO-POS | $0 | $7,150 | none | 4 of 5 |
| AARP Medicare Advantage Patriot No Rx AL-MA01H0432-012 · HMO-POS | $0 | $7,150 | $190 | 4 of 5 |
| AARP Medicare Advantage Patriot No Rx AL-MA2H2802-086 · HMO-POS | $0 | $7,150 | $170 | 4 of 5 |
| AARP Medicare Advantage Extras from UHC AL-7H2802-087 · HMO-POS | $0 | $7,150 | none | 4 of 5 |
| Humana Gold PlusH5619-089 · HMO | $0 | $7,150 | none | 3 of 5 |
| Devoted Choice Giveback Extras 039 ALH7028-039 · PPO | $0 | $7,700 | $70 | 4.5 of 5 |
| VIVA Medicare SelectH0154-008 · HMO | $0 | $9,250 | $100 | 4.5 of 5 |
| VIVA Medicare PlusH0154-015 · HMO | $0 | $9,250 | $9 | 4.5 of 5 |
| Devoted Choice Giveback 010 ALH7028-010 · PPO | $0 | $9,850 | $132 | 4.5 of 5 |
Show the other 10 plans, by premium
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| Humana Value PlusH7617-089 · PPO | $0.50 | $6,200 | none | 4.5 of 5 |
| AARP Medicare Advantage from UHC AL-0004H1889-015 · PPO | $10 | $7,150 | none | 4 of 5 |
| HumanaChoiceH5216-368 · PPO | $27.50 | $3,250 | none | 3.5 of 5 |
| HumanaChoiceH7617-090 · PPO | $34 | $3,250 | none | 4.5 of 5 |
| Humana Gold PlusH4461-079 · HMO | $36 | $4,900 | none | 4 of 5 |
| Blue Advantage CompleteH0104-012 · PPO | $39.50 | $6,000 | none | 4 of 5 |
| AARP Medicare Advantage from UHC AL-6H2802-079 · HMO-POS | $43 | $5,400 | none | 4 of 5 |
| AARP Medicare Advantage from UHC AL-0002H0432-004 · HMO-POS | $45 | $5,400 | none | 4 of 5 |
| VIVA Medicare PremierH0154-011 · HMO | $99 | $6,500 | none | 4.5 of 5 |
| HumanaChoiceR0110-018 · Regional PPO | $124 | $7,000 | none | 3.5 of 5 |
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision); CMS plan benefit package files, 2027 and 2026. Stars are the contract's 2026 rating. confirm on Medicare Plan Finder.
Which plans leave Franklin in 2027?
Members of these plans here choose a 2027 plan during open enrollment, October 15 to December 7, 2026; choosing by December 31 means no gap; because their plan is leaving the county, they can still join until the end of February 2027, with coverage from the first of the next month. Each plan's page says what happens to its members.
| 2026 plan | Members here, Sept. 2026 | For 2027 |
|---|---|---|
| Aetna Medicare Signature PlusH5521-227 | 117 | Leaves the county |
| Aetna Medicare Value PlusH5521-467 | 30 | Leaves the county |
| Blue Advantage PremierH0104-015 | 15 | Not offered |
| UHC Dual Complete AL-V001H0432-013 | 14 | Not offered |
| HumanaChoiceH5216-448 | fewer than 11 | Not offered |
| Aetna Medicare Eagle PlusH5521-229 | fewer than 11 | Leaves the county |
Source: CMS plan crosswalk from 2026 to 2027 (Oct. 1, 2026); CMS monthly enrollment by plan and by county, September 2026 (CMS hides counts under 11); CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).
Which special needs plans are sold here?
Open only to people with Medicaid as well as Medicare, with certain chronic conditions, or living in an institution.
| Plan | Who can join | Premium |
|---|---|---|
| Devoted Dual 007 ALH3080-007 | Dual-Eligible | $0 |
| Devoted C-SNP Choice Enhanced 014 ALH7028-014 | Chronic or Disabling Condition | $0 |
| Devoted C-SNP Choice 010 ALH9888-010 | Chronic or Disabling Condition | $0 |
| UHC Complete Care AL-8H2802-088 | Chronic or Disabling Condition | $0 |
| UHC Complete Care AL-5H0432-017 | Chronic or Disabling Condition | $0 |
| Devoted C-SNP Choice Giveback Extras 018 ALH7028-018 | Chronic or Disabling Condition | $0 |
| UHC Dual Complete AL-Q1H0432-009 | Dual-Eligible | $0 |
| UHC Dual Complete AL-Q2H1889-009 | Dual-Eligible | $0 |
| UHC Dual Complete AL-S1H2802-064 | Dual-Eligible | $0 |
| Devoted Dual Plus 006 ALH3080-006 | Dual-Eligible | $0 |
| Aetna Medicare Dual Extra CareH3239-002 | Dual-Eligible | $0 |
| Aetna Medicare Dual CareH3239-010 | Dual-Eligible | $0 |
| Aetna Medicare Full Dual CareH3239-026 | Dual-Eligible | $0 |
| Humana Dual QMB OnlyH4461-074 | Dual-Eligible | $0 |
| Humana Gold Plus SNP-DEH4461-076 | Dual-Eligible | $0 |
| Humana Dual SelectH4461-077 | Dual-Eligible | $0 |
| HumanaChoice SNP-DEH5216-370 | Dual-Eligible | $0 |
| Humana Dual SelectH5619-093 | Dual-Eligible | $0 |
| Devoted Dual Choice Full 012 ALH7028-012 | Dual-Eligible | $0 |
| Devoted C-SNP Choice Plus 016 ALH7028-016 | Chronic or Disabling Condition | $0 |
Show the other 6 special needs plans
| Plan | Who can join | Premium |
|---|---|---|
| UHC Dual Advantage AL-V2H2802-044 | Dual-Eligible | $3.90 |
| VIVA Medicare Extra ValueH0154-012 | Dual-Eligible | $13.70 |
| UHC Dual Complete AL-Q3H2802-090 | Dual-Eligible | $13.70 |
| Simpra Advantage Nursing Home PlanH4091-001 | Institutional | $13.70 |
| Simpra Advantage Dual CareH4091-002 | Dual-Eligible | $13.70 |
| Simpra Advantage AssistH4091-003 | Institutional | $90 |
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).
How many people in Franklin use Medicare Advantage?
3,587 of the county's 6,583 people with Medicare were in a Medicare Advantage plan in September 2026, 54.5%; in Alabama as a whole the share is 61.5%.
Source: CMS Medicare Advantage state and county penetration, September 2026.
What else should you check?
- Medicare Advantage in AlabamaEvery county of the state
- 11 stand-alone drug plans in AlabamaIf you keep Original Medicare
- Is your plan ending?Every plan not offered in 2027