Medicare Advantage plans in Laurel, KY, 2027
Laurel, Kentucky has 20 Medicare Advantage plans open to everyone for 2027 (20 in 2026) and 20 special needs plans, according to the CMS landscape files; 13 of the open plans have a $0 premium. 4 plans that served the county in 2026 end or leave it, with 489 members living here in September 2026.
What changes in Laurel for 2027?
| In the county | 2026 | 2027 | Change |
|---|---|---|---|
| Plans open to everyone | 20 | 20 | no change |
| Special needs plans | 16 | 20 | ▲up 4 |
| Plans with a $0 premium | 14 | 13 | ▼down 1 |
| Plans that lower the Part B premium | 10 | 6 | ▼down 4 |
| Median out-of-pocket limit | $6,850 | $7,150 | ▲up $300 |
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 Laurel join?
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| HumanaChoiceR0110-011 · Regional PPO | $0 | $5,400 | none | 3.5 of 5 |
| Aetna Medicare SignatureH0628-008 · HMO-POS | $0 | $6,500 | none | 4 of 5 |
| Humana USAA Honor GivebackH5216-225 · PPO | $0 | $6,500 | $110 | 3.5 of 5 |
| Wellcare SimpleH9730-009 · HMO-POS | $0 | $7,000 | none | 3.5 of 5 |
| HumanaChoiceH5216-317 · PPO | $0 | $7,150 | none | 3.5 of 5 |
| Humana Value ChoiceH7617-050 · PPO | $0 | $7,150 | none | 4.5 of 5 |
| AARP Medicare Advantage Patriot No Rx KY-MA01H8768-020 · PPO | $0 | $7,150 | $190 | 3.5 of 5 |
| Anthem Medicare AdvantageH9525-013 · HMO-POS | $0 | $7,150 | none | 3.5 of 5 |
| Wellcare Simple OpenH3975-001 · PPO | $0 | $7,500 | none | 3 of 5 |
| Humana USAA Honor GivebackH5216-442 · PPO | $0 | $9,150 | $170 | 3.5 of 5 |
| Anthem VeteranH4909-023 · PPO | $0 | $9,250 | $115 | 3.5 of 5 |
| Humana Essentials Plus GivebackH7617-049 · PPO | $0 | $9,850 | $126 | 4.5 of 5 |
| Wellcare GivebackH9730-007 · HMO-POS | $0 | $9,850 | $65 | 3.5 of 5 |
| Anthem Medicare Advantage 2H9525-021 · HMO-POS | $35 | $4,450 | none | 3.5 of 5 |
| Anthem Medicare AdvantageH4036-036 · PPO | $41 | $9,250 | none | 4 of 5 |
| HumanaChoiceH5216-188 · PPO | $45 | $7,150 | none | 3.5 of 5 |
| AARP Medicare Advantage from UHC KY-0003H8768-013 · PPO | $57 | $7,150 | none | 3.5 of 5 |
| HumanaChoiceR0110-012 · Regional PPO | $68 | $9,850 | none | 3.5 of 5 |
| Anthem Medicare Advantage 3H4036-034 · PPO | $70 | $5,900 | none | 4 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 Laurel 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 USAA Honor Giveback with RxH5216-396 | 489 | Leaves the county |
| Wellcare Patriot Giveback OpenH3975-002 | fewer than 11 | Not offered |
| Humana Together in Health SelectH5216-453 | fewer than 11 | Not offered |
| Humana Gold Plus Chronic Kidney DiseaseH5619-170 | 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 |
|---|---|---|
| Anthem Kidney CareH9525-011 | Chronic or Disabling Condition | $0 |
| Humana Senior Living PlanH7617-142 | Institutional | $0 |
| Wellcare Dual ReserveH9730-011 | Dual-Eligible | $0 |
| Aetna Medicare Chronic CareH0628-044 | Chronic or Disabling Condition | $0 |
| Aetna Medicare HIDEH0628-012 | Dual-Eligible | $0 |
| Aetna Medicare Partial DualH0628-040 | Dual-Eligible | $0 |
| Wellcare Dual Access Sync OpenH3975-004 | Dual-Eligible | $0 |
| Humana Together in HealthH5216-446 | Institutional | $0 |
| Humana Dual SelectH5619-075 | Dual-Eligible | $0 |
| Humana Gold Plus SNP-DEH5619-163 | Dual-Eligible | $0 |
| Humana Dual QMB OnlyH5619-190 | Dual-Eligible | $0 |
| UHC Dual Complete KY-Q2H6595-007 | Dual-Eligible | $0 |
| Humana Together in HealthH7617-143 | Institutional | $0 |
| Anthem Chronic Care AdvantageH9525-022 | Chronic or Disabling Condition | $0 |
| Wellcare Dual AccessH9730-003 | Dual-Eligible | $0 |
| Wellcare Dual Liberty SyncH9730-004 | Dual-Eligible | $0 |
| UHC Dual Complete KY-S4H6595-006 | Dual-Eligible | $0.90 |
| UHC Dual Advantage KY-V1H6595-003 | Dual-Eligible | $17 |
| UHC Dual Complete KY-Q1H1889-008 | Dual-Eligible | $17 |
| UHC Dual Complete KY-S3H1889-030 | 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 Laurel use Medicare Advantage?
8,904 of the county's 15,023 people with Medicare were in a Medicare Advantage plan in September 2026, 59.3%; in Kentucky as a whole the share is 55.5%.
Source: CMS Medicare Advantage state and county penetration, September 2026.
What else should you check?
- Medicare Advantage in KentuckyEvery county of the state
- 8 stand-alone drug plans in KentuckyIf you keep Original Medicare
- Is your plan ending?Every plan not offered in 2027