Medicare Advantage plans in Spencer, IN, 2027
Spencer, Indiana has 33 Medicare Advantage plans open to everyone for 2027 (39 in 2026) and 20 special needs plans, according to the CMS landscape files; 23 of the open plans have a $0 premium. 2 plans that served the county in 2026 end or leave it, each with fewer than 11 members living here (CMS hides smaller counts).
What changes in Spencer for 2027?
| In the county | 2026 | 2027 | Change |
|---|---|---|---|
| Plans open to everyone | 39 | 33 | ▼down 6 |
| Special needs plans | 15 | 20 | ▲up 5 |
| Plans with a $0 premium | 27 | 23 | ▼down 4 |
| Plans that lower the Part B premium | 20 | 11 | ▼down 9 |
| Median out-of-pocket limit | $6,350 | $6,750 | ▲up $400 |
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 Spencer join?
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| MyTruAdvantage SelectH6529-004 · HMO | $0 | $3,900 | none | 4 of 5 |
| Humana Gold PlusH5619-189 · HMO-POS | $0 | $4,350 | none | 3 of 5 |
| AARP Medicare Advantage from UHC IN-13H2802-012 · HMO-POS | $0 | $4,450 | none | 4 of 5 |
| MyTruAdvantage Choice PlusH9042-007 · PPO | $0 | $4,700 | none | 3.5 of 5 |
| Aetna Medicare SignatureH5521-211 · PPO | $0 | $5,200 | none | 4.5 of 5 |
| 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 |
| Red, White and TruH9042-008 · PPO | $0 | $5,500 | $125 | 3.5 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 SignatureH3192-020 · HMO-POS | $0 | $6,500 | none | 3 of 5 |
| Humana Value ChoiceH5216-229 · PPO | $0 | $7,000 | none | 3.5 of 5 |
| AARP Medicare Advantage from UHC IN-0009H2406-087 · PPO | $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 |
| Humana Full AccessH5216-192 · PPO | $0 | $7,150 | none | 3.5 of 5 |
| 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 |
| AARP Medicare Advantage Patriot No Rx IN-MA01H2406-074 · PPO | $0 | $9,850 | $190 | 4 of 5 |
Show the other 13 plans, by premium
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| 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 |
| Humana Essentials Plus GivebackH7617-144 · PPO | $0 | $9,850 | $124 | 4.5 of 5 |
| MyTruAdvantage Choice CompleteH9042-004 · PPO | $17 | $4,460 | none | 3.5 of 5 |
| 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 |
| HumanaChoiceH5216-463 · PPO | $43 | $6,350 | none | 3.5 of 5 |
| AARP Medicare Advantage from UHC IN-0003H2406-038 · PPO | $44 | $5,900 | none | 4 of 5 |
| Anthem Medicare AdvantageH7093-002 · PPO | $45 | $6,750 | none | 3.5 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 Spencer 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 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.
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 Spencer use Medicare Advantage?
2,277 of the county's 5,183 people with Medicare were in a Medicare Advantage plan in September 2026, 43.9%; 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