Medicare Advantage plans in Gem, ID, 2027
Gem, Idaho has 14 Medicare Advantage plans open to everyone for 2027 (21 in 2026) and 8 special needs plans, according to the CMS landscape files; 8 of the open plans have a $0 premium. 9 plans that served the county in 2026 end or leave it, with 1,231 members living here in September 2026.
What changes in Gem for 2027?
| In the county | 2026 | 2027 | Change |
|---|---|---|---|
| Plans open to everyone | 21 | 14 | ▼down 7 |
| Special needs plans | 9 | 8 | ▼down 1 |
| Plans with a $0 premium | 14 | 8 | ▼down 6 |
| Plans that lower the Part B premium | 11 | 4 | ▼down 7 |
| Median out-of-pocket limit | $6,400 | $6,410 | ▲up $10 |
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 Gem join?
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| Humana USAA Honor GivebackH5216-455 · PPO | $0 | $5,100 | $43 | 3.5 of 5 |
| Secure Blue CourageH1302-004 · PPO | $0 | $5,200 | $45 | not rated (too little data) |
| Humana Gold PlusH2486-005 · HMO | $0 | $6,520 | none | 3.5 of 5 |
| Humana Total CompleteH5619-177 · HMO | $0 | $6,660 | none | 3 of 5 |
| AARP Medicare Advantage Patriot No Rx ID-MA01H4604-019 · HMO-POS | $0 | $6,700 | $165 | 4 of 5 |
| Humana Value ChoiceH5216-132 · PPO | $0 | $7,000 | none | 3.5 of 5 |
| Humana Value ChoiceH7617-031 · PPO | $0 | $7,150 | none | 4.5 of 5 |
| Humana USAA Honor GivebackH5216-427 · PPO | $0 | $9,150 | $150 | 3.5 of 5 |
| True Blue Rx 32PSPH1350-032 · HMO | $24 | $5,900 | none | 3.5 of 5 |
| Humana Full AccessH7617-028 · PPO | $30 | $5,900 | none | 4.5 of 5 |
| True Blue ValorH1350-006 · HMO | $34 | $3,000 | none | 3.5 of 5 |
| True Blue Rx 33H1350-033 · HMO | $64 | $5,900 | none | 3.5 of 5 |
| AARP Medicare Advantage from UHC ID-0005H4604-012 · HMO-POS | $65 | $6,300 | none | 4 of 5 |
| HumanaChoiceH5216-048 · PPO | $97 | $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 Gem 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 |
|---|---|---|
| Saint Alphonsus Health Plan No PremiumH6910-001 | 452 | Not offered |
| Saint Alphonsus Health Plan Cash BackH6910-005 | 423 | Not offered |
| PacificSource Medicare MyCare Choice Rx 24H3864-024 | 117 | Not offered |
| HumanaChoice: Diabetes and HeartH7617-034 | 81 | Not offered |
| Humana Essentials Plus GivebackH5216-429 | 44 | Not offered |
| Molina Medicare Complete Care SelectH5628-014 | 36 | Not offered |
| Saint Alphonsus Health Plan ChoiceH3828-001 | 31 | Not offered |
| PacificSource Medicare Explorer 6H4754-006 | 28 | Not offered |
| Saint Alphonsus Health Plan Glory No RXH6910-004 | 19 | 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 |
|---|---|---|
| UHC Complete Care ID-12H4604-024 | Chronic or Disabling Condition | $0 |
| UHC Dual Complete ID-QV1H4032-002 | Dual-Eligible | $0 |
| HumanaChoice: Diabetes and HeartH7617-033 | Chronic or Disabling Condition | $0 |
| UHC Dual Complete ID-YLH4032-003 | Dual-Eligible | $21.20 |
| UHC Dual Complete ID-Y1H4032-001 | Dual-Eligible | $26.40 |
| UHC Complete Care Support ID-1AH2001-050 | Chronic or Disabling Condition | $45.40 |
| American Health Advantage of IdahoH4232-003 | Institutional | $45.50 |
| Molina Medicare Complete CareH5628-013 | Dual-Eligible | $45.50 |
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 Gem use Medicare Advantage?
3,619 of the county's 5,954 people with Medicare were in a Medicare Advantage plan in September 2026, 60.8%; in Idaho as a whole the share is 45.8%.
Source: CMS Medicare Advantage state and county penetration, September 2026.
What else should you check?
- Medicare Advantage in IdahoEvery county of the state
- 8 stand-alone drug plans in IdahoIf you keep Original Medicare
- Is your plan ending?Every plan not offered in 2027