Medicare Advantage plans in St. Joseph, IN, 2027
St. Joseph, Indiana has 39 Medicare Advantage plans open to everyone for 2027 (43 in 2026) and 24 special needs plans, according to the CMS landscape files; 28 of the open plans have a $0 premium. 4 plans that served the county in 2026 end or leave it, with 47 members living here in September 2026.
What changes in St. Joseph for 2027?
| In the county | 2026 | 2027 | Change |
|---|---|---|---|
| Plans open to everyone | 43 | 39 | ▼down 4 |
| Special needs plans | 21 | 24 | ▲up 3 |
| Plans with a $0 premium | 29 | 28 | ▼down 1 |
| Plans that lower the Part B premium | 20 | 12 | ▼down 8 |
| Median out-of-pocket limit | $6,550 | $6,750 | ▲up $200 |
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 St. Joseph join?
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| Humana Gold PlusH5619-189 · HMO-POS | $0 | $4,350 | none | 3 of 5 |
| Devoted Choice 005 inH7471-005 · PPO | $0 | $4,800 | 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 |
| AARP Medicare Advantage from UHC IN-0006H2406-066 · PPO | $0 | $5,900 | none | 4 of 5 |
| Wellcare SimpleH3499-002 · HMO-POS | $0 | $5,900 | none | 3 of 5 |
| Wellcare Simple OpenH6348-002 · PPO | $0 | $6,200 | none | 3 of 5 |
| Aetna Medicare SignatureH5521-223 · PPO | $0 | $6,350 | none | 4.5 of 5 |
| Aetna Medicare Signature ExtraH5521-406 · PPO | $0 | $6,350 | none | 4.5 of 5 |
| AARP Medicare Advantage Essentials from UHC IN-11H2802-008 · HMO-POS | $0 | $6,700 | none | 4 of 5 |
| Aetna Medicare SignatureH3192-005 · HMO-POS | $0 | $6,750 | none | 3 of 5 |
| Aetna Medicare Value CareH5521-496 · PPO | $0 | $6,750 | none | 4.5 of 5 |
| Humana Value ChoiceH5216-229 · PPO | $0 | $7,000 | none | 3.5 of 5 |
| AARP Medicare Advantage Extras from UHC IN-16H2802-055 · HMO-POS | $0 | $7,150 | none | 4 of 5 |
| AARP Medicare Advantage Giveback from UHC IN-20H2802-059 · HMO-POS | $0 | $7,150 | $47 | 4 of 5 |
| Anthem Medicare Advantage 7H3529-002 · HMO-POS | $0 | $7,150 | none | not rated |
| Humana Full AccessH5216-192 · PPO | $0 | $7,150 | none | 3.5 of 5 |
| Devoted Choice Giveback Extras 025 inH7471-025 · PPO | $0 | $7,350 | $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 |
Show the other 19 plans, by premium
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| 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 |
| AARP Medicare Advantage Patriot No Rx IN-MA01H2406-074 · PPO | $0 | $9,850 | $190 | 4 of 5 |
| Anthem Medicare AdvantageH3447-042 · HMO-POS | $0 | $9,850 | none | 3.5 of 5 |
| HumanaChoice GivebackH5216-481 · PPO | $0 | $9,850 | $123 | 3.5 of 5 |
| Wellcare Giveback OpenH6348-008 · PPO | $0 | $9,850 | $39.50 | 3 of 5 |
| Devoted Choice Giveback 006 inH7471-006 · PPO | $0 | $9,850 | $174.90 | not rated (too new) |
| Humana Essentials Plus GivebackH7617-144 · PPO | $0 | $9,850 | $124 | 4.5 of 5 |
| Devoted Choice Premium 007 inH7471-007 · PPO | $10 | $5,900 | none | not rated (too new) |
| Anthem Extra HelpH3447-024 · HMO-POS | $17 | $4,900 | none | 3.5 of 5 |
| HumanaChoiceH5216-019 · PPO | $34 | $6,800 | none | 3.5 of 5 |
| Anthem Medicare Advantage 6H3529-001 · HMO-POS | $35 | $4,450 | none | not rated |
| HumanaChoiceH5216-463 · PPO | $43 | $6,350 | none | 3.5 of 5 |
| Anthem Medicare AdvantageH7093-002 · PPO | $45 | $6,750 | none | 3.5 of 5 |
| AARP Medicare Advantage from UHC IN-0001H2406-035 · PPO | $46 | $4,450 | none | 4 of 5 |
| Anthem Medicare Advantage 2H1607-015 · PPO | $50 | $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 St. Joseph 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 |
|---|---|---|
| Humana Gold ChoiceH8145-032 | 35 | Not offered |
| Humana Gold Plus Chronic Kidney DiseaseH5619-170 | 12 | Not offered |
| Provider Partners Indiana Community PlanH4444-002 | 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.
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 St. Joseph use Medicare Advantage?
30,205 of the county's 54,464 people with Medicare were in a Medicare Advantage plan in September 2026, 55.5%; 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