Medicare Advantage plans in Franklin, IN, 2027
Franklin, Indiana has 23 Medicare Advantage plans open to everyone for 2027 (34 in 2026) and 19 special needs plans, according to the CMS landscape files; 15 of the open plans have a $0 premium. 11 plans that served the county in 2026 end or leave it, with 1,049 members living here in September 2026.
What changes in Franklin for 2027?
| In the county | 2026 | 2027 | Change |
|---|---|---|---|
| Plans open to everyone | 34 | 23 | ▼down 11 |
| Special needs plans | 17 | 19 | ▲up 2 |
| Plans with a $0 premium | 22 | 15 | ▼down 7 |
| Plans that lower the Part B premium | 18 | 9 | ▼down 9 |
| Median out-of-pocket limit | $6,700 | $6,750 | ▲up $50 |
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 |
|---|---|---|---|---|
| Devoted Choice 008 inH7471-008 · PPO | $0 | $4,900 | none | not rated (too new) |
| Aetna Medicare EagleH5521-286 · PPO | $0 | $5,200 | $70 | 4.5 of 5 |
| HumanaChoiceR0110-011 · Regional PPO | $0 | $5,400 | none | 3.5 of 5 |
| Wellcare SimpleH3499-002 · HMO-POS | $0 | $5,900 | none | 3 of 5 |
| Aetna Medicare SignatureH5521-231 · PPO | $0 | $5,900 | none | 4.5 of 5 |
| Wellcare Simple OpenH6348-002 · PPO | $0 | $6,200 | none | 3 of 5 |
| Humana Full AccessH5216-192 · PPO | $0 | $7,150 | none | 3.5 of 5 |
| Devoted Choice Giveback Extras 026 inH7471-026 · PPO | $0 | $7,500 | $90 | not rated (too new) |
| Humana USAA Honor GivebackH5216-218 · PPO | $0 | $7,900 | $110 | 3.5 of 5 |
| Humana USAA Honor GivebackH5216-441 · PPO | $0 | $7,900 | $185 | 3.5 of 5 |
| Humana USAA Honor GivebackH7617-073 · PPO | $0 | $7,900 | $185 | 4.5 of 5 |
| Anthem VeteranH7093-001 · PPO | $0 | $9,250 | $110 | 3.5 of 5 |
| Wellcare Giveback OpenH6348-008 · PPO | $0 | $9,850 | $39.50 | 3 of 5 |
| Devoted Choice Giveback 009 inH7471-009 · PPO | $0 | $9,850 | $158.10 | not rated (too new) |
| Humana Essentials Plus GivebackH7617-144 · PPO | $0 | $9,850 | $124 | 4.5 of 5 |
| Anthem Extra HelpH3447-024 · HMO-POS | $17 | $4,900 | none | 3.5 of 5 |
| Aetna Medicare Value CareH5521-302 · PPO | $17 | $5,200 | none | 4.5 of 5 |
| HumanaChoiceH5216-463 · PPO | $43 | $6,350 | none | 3.5 of 5 |
| HumanaChoiceH5216-023 · PPO | $44 | $6,000 | none | 3.5 of 5 |
| Anthem Medicare AdvantageH7093-002 · PPO | $45 | $6,750 | none | 3.5 of 5 |
| Anthem Medicare Advantage 3H1607-012 · PPO | $68 | $6,750 | none | 3.5 of 5 |
| HumanaChoiceR0110-012 · Regional PPO | $68 | $9,850 | none | 3.5 of 5 |
| Anthem Medicare AdvantageR5941-016 · Regional PPO | $123 | $9,250 | 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 |
|---|---|---|
| AARP Medicare Advantage from UHC IN-13H2802-012 | 532 | Leaves the county |
| AARP Medicare Advantage from UHC IN-0003H2406-038 | 174 | Leaves the county |
| Humana USAA Honor Giveback with RxH5216-307 | 117 | Leaves the county |
| AARP Medicare Advantage from UHC IN-0009H2406-087 | 71 | Leaves the county |
| UHC Complete Care IN-21H2802-068 | 43 | Leaves the county |
| AARP Medicare Advantage Giveback from UHC IN-20H2802-059 | 40 | Leaves the county |
| HumanaChoice GivebackH5216-309 | 37 | Leaves the county |
| AARP Medicare Advantage Patriot No Rx IN-MA01H2406-074 | 20 | Leaves the county |
| Humana Gold ChoiceH8145-032 | 15 | Not offered |
| Humana Gold Plus Chronic Kidney DiseaseH5619-170 | fewer than 11 | Not offered |
| Wellcare Patriot Giveback OpenH6348-005 | 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 |
|---|---|---|
| Devoted C-SNP Choice Enhanced 017 inH7471-017 | Chronic or Disabling Condition | $0 |
| Humana Senior Living PlanH7617-142 | Institutional | $0 |
| Devoted C-SNP Choice Giveback Extras 021 inH7471-021 | Chronic or Disabling Condition | $0 |
| Humana Gold Plus: Diabetes and HeartH5619-055 | Chronic or Disabling Condition | $0 |
| UHC PathWays Dual Care IN-Y1H2385-003 | Dual-Eligible | $0 |
| Humana PathWays Dual CareH4939-001 | Dual-Eligible | $0 |
| Humana Dual SelectH4939-002 | Dual-Eligible | $0 |
| Humana Together in HealthH5216-446 | Institutional | $0 |
| Devoted C-SNP Choice Plus 013 inH7471-013 | Chronic or Disabling Condition | $0 |
| Humana Together in HealthH7617-143 | Institutional | $0 |
| Anthem Full Dual AdvantageH0629-001 | Dual-Eligible | $1.70 |
| Humana Gold Plus SNP-DEH4939-003 | Dual-Eligible | $4.80 |
| Anthem I PathWays Dual Care AdvantageH0629-003 | Dual-Eligible | $9.20 |
| Anthem Dual AdvantageH0629-002 | Dual-Eligible | $14.20 |
| Anthem I PathWays Dual Care Advantage NFLOCH0629-004 | Dual-Eligible | $17 |
| UHC Dual Complete IN-S002H2385-001 | Dual-Eligible | $17 |
| UHC Dual Complete IN-Q1H2385-002 | Dual-Eligible | $17 |
| UHC PathWays Dual Care IN-YLH2385-004 | Dual-Eligible | $17 |
| Humana PathWays Dual Care NFLOCH4939-004 | Dual-Eligible | $17 |
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?
2,622 of the county's 6,622 people with Medicare were in a Medicare Advantage plan in September 2026, 39.6%; in Indiana as a whole the share is 51.1%.
Source: CMS Medicare Advantage state and county penetration, September 2026.
What else should you check?
- Medicare Advantage in IndianaEvery county of the state
- 8 stand-alone drug plans in IndianaIf you keep Original Medicare
- Is your plan ending?Every plan not offered in 2027