Medicare Advantage plans in Madison, AL, 2027
Madison, Alabama has 43 Medicare Advantage plans open to everyone for 2027 (40 in 2026) and 33 special needs plans, according to the CMS landscape files; 29 of the open plans have a $0 premium. 2 plans that served the county in 2026 end or leave it, with 691 members living here in September 2026.
What changes in Madison for 2027?
| In the county | 2026 | 2027 | Change |
|---|---|---|---|
| Plans open to everyone | 40 | 43 | ▲up 3 |
| Special needs plans | 26 | 33 | ▲up 7 |
| Plans with a $0 premium | 26 | 29 | ▲up 3 |
| Plans that lower the Part B premium | 15 | 12 | ▼down 3 |
| Median out-of-pocket limit | $5,900 | $6,500 | ▲up $600 |
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 Madison 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 |
| HealthSpring CourageH4513-045 · HMO | $0 | $5,750 | $75 | 4.5 of 5 |
| Devoted Choice 002 ALH9888-002 · PPO | $0 | $5,900 | none | 3.5 of 5 |
| HealthSpring PreferredH4513-077 · HMO | $0 | $6,200 | 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 |
| Aetna Medicare Signature PlusH5521-227 · PPO | $0 | $7,150 | none | 4.5 of 5 |
| Humana Gold PlusH5619-089 · HMO | $0 | $7,150 | none | 3 of 5 |
Show the other 23 plans, by premium
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| Devoted Choice Giveback Extras 039 ALH7028-039 · PPO | $0 | $7,700 | $70 | 4.5 of 5 |
| Aetna Medicare Eagle PlusH5521-229 · PPO | $0 | $7,900 | none | 4.5 of 5 |
| Devoted Choice MA Only 007 ALH9888-007 · PPO | $0 | $7,900 | $184.70 | 3.5 of 5 |
| VIVA Medicare SelectH0154-008 · HMO | $0 | $9,250 | $100 | 4.5 of 5 |
| VIVA Medicare ClassicH0154-017 · HMO | $0 | $9,250 | none | 4.5 of 5 |
| Aetna Medicare Signature GivebackH5521-475 · PPO | $0 | $9,250 | $103 | 4.5 of 5 |
| Devoted Giveback 002 ALH3080-002 · HMO | $0 | $9,850 | $135.50 | 3.5 of 5 |
| Devoted Choice Giveback 010 ALH7028-010 · PPO | $0 | $9,850 | $132 | 4.5 of 5 |
| Devoted Choice Giveback 006 ALH9888-006 · PPO | $0 | $9,850 | $134 | 3.5 of 5 |
| 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 |
| HealthSpring True ChoiceH7849-143 · PPO | $15 | $7,500 | none | 3 of 5 |
| Aetna Medicare Signature Extra CareH3239-031 · HMO | $23 | $5,900 | none | 3.5 of 5 |
| Aetna Medicare Value PlusH5521-467 · PPO | $23.30 | $9,850 | none | 4.5 of 5 |
| HumanaChoiceH5216-368 · PPO | $27.50 | $3,250 | none | 3.5 of 5 |
| HealthSpring Preferred PlusH4513-087 · HMO | $30 | $5,700 | none | 4.5 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 Madison 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 |
|---|---|---|
| Blue Advantage PremierH0104-015 | 671 | Not offered |
| HumanaChoiceH5216-448 | 20 | Not offered |
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 |
| Devoted C-SNP Choice Enhanced 011 ALH9888-011 | 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 |
| VIVA Medicare Healthy LifestylesH0154-021 | Chronic or Disabling Condition | $0 |
| UHC Dual Complete AL-Q1H0432-009 | Dual-Eligible | $0 |
| UHC Nursing Home Plan EX-F001H0710-004 | Institutional | $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 |
Show the other 13 special needs plans
| Plan | Who can join | Premium |
|---|---|---|
| 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 |
| Devoted Dual Choice Full 014 ALH9888-014 | Dual-Eligible | $0 |
| Devoted C-SNP Choice Plus 015 ALH9888-015 | Chronic or Disabling Condition | $0 |
| UHC Dual Advantage AL-V2H2802-044 | Dual-Eligible | $3.90 |
| HealthSpring TotalCareH4513-109 | Dual-Eligible | $13.40 |
| VIVA Medicare Extra CareH0154-019 | 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 |
| HealthSpring TotalCare PlusH4513-110 | 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 Madison use Medicare Advantage?
37,879 of the county's 81,674 people with Medicare were in a Medicare Advantage plan in September 2026, 46.4%; 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