Medicare Advantage plans in Navajo, AZ, 2027
Navajo, Arizona has 8 Medicare Advantage plans open to everyone for 2027 (11 in 2026) and 8 special needs plans, according to the CMS landscape files; 5 of the open plans have a $0 premium. 4 plans that served the county in 2026 end or leave it, with 187 members living here in September 2026.
What changes in Navajo for 2027?
| In the county | 2026 | 2027 | Change |
|---|---|---|---|
| Plans open to everyone | 11 | 8 | ▼down 3 |
| Special needs plans | 9 | 8 | ▼down 1 |
| Plans with a $0 premium | 7 | 5 | ▼down 2 |
| Plans that lower the Part B premium | 4 | 2 | ▼down 2 |
| Median out-of-pocket limit | $6,000 | $6,575 | ▲up $575 |
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 Navajo join?
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| Humana USAA Honor GivebackH5216-436 · PPO | $0 | $5,150 | $135 | 3.5 of 5 |
| HumanaChoiceH5216-263 · PPO | $0 | $5,999 | none | 3.5 of 5 |
| HumanaChoiceR7220-001 · Regional PPO | $0 | $6,000 | none | 2.5 of 5 |
| AARP Medicare Advantage from UHC AZ-0010H2406-076 · PPO | $0 | $7,150 | none | 4 of 5 |
| AARP Medicare Advantage Patriot No Rx AZ-MA01H2406-077 · PPO | $0 | $7,150 | $105 | 4 of 5 |
| HumanaChoiceH5216-224 · PPO | $16.80 | $4,150 | none | 3.5 of 5 |
| AARP Medicare Advantage from UHC AZ-0008H2406-063 · PPO | $64 | $7,150 | none | 4 of 5 |
| HumanaChoiceR7220-002 · Regional PPO | $110 | $7,150 | none | 2.5 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 Navajo 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 |
|---|---|---|
| Wellcare SimpleH0351-053 | 126 | Not offered |
| Wellcare GivebackH0351-054 | 38 | Not offered |
| AARP Medicare Advantage Access from UHC AZ-15H2406-129 | 23 | Not offered |
| Wellcare Arizona Complete Health Dual AlignH5590-010 | fewer than 11 | 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 |
|---|---|---|
| Gold Dialysis & KidneyH4869-013 | Chronic or Disabling Condition | $0 |
| Gold Heart & DiabetesH4869-011 | Chronic or Disabling Condition | $0 |
| UHC Dual Complete AZ-S001H0321-002 | Dual-Eligible | $0 |
| Health Choice PathwayH5587-002 | Dual-Eligible | $0 |
| Wellcare Arizona Complete Health Dual Liberty SyncH5590-012 | Dual-Eligible | $0 |
| Mercy Care AdvantageH5580-005 | Dual-Eligible | $16.10 |
| Gold Dialysis & Kidney CompleteH4869-014 | Chronic or Disabling Condition | $16.80 |
| UHC Dual Complete AZ-YLH0321-004 | Dual-Eligible | $16.80 |
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 Navajo use Medicare Advantage?
10,806 of the county's 28,978 people with Medicare were in a Medicare Advantage plan in September 2026, 37.3%; in Arizona as a whole the share is 51.6%.
Source: CMS Medicare Advantage state and county penetration, September 2026.
What else should you check?
- Medicare Advantage in ArizonaEvery county of the state
- 9 stand-alone drug plans in ArizonaIf you keep Original Medicare
- Is your plan ending?Every plan not offered in 2027