Medicare Advantage plans in St. Charles, LA, 2027
St. Charles, Louisiana has 32 Medicare Advantage plans open to everyone for 2027 (33 in 2026) and 30 special needs plans, according to the CMS landscape files; 23 of the open plans have a $0 premium. 4 plans that served the county in 2026 end or leave it, with 73 members living here in September 2026.
What changes in St. Charles for 2027?
| In the county | 2026 | 2027 | Change |
|---|---|---|---|
| Plans open to everyone | 33 | 32 | ▼down 1 |
| Special needs plans | 27 | 30 | ▲up 3 |
| Plans with a $0 premium | 24 | 23 | ▼down 1 |
| Plans that lower the Part B premium | 18 | 13 | ▼down 5 |
| Median out-of-pocket limit | $6,700 | $6,700 | no change |
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. Charles join?
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| Humana LCMC AdvantageH1951-051 · HMO | $0 | $2,875 | $51 | 4.5 of 5 |
| Humana Select Partner PlanH1951-038 · HMO | $0 | $2,900 | $39 | 4.5 of 5 |
| Peoples Health Choices 65H1961-014 · HMO-POS | $0 | $3,900 | $25 | 4.5 of 5 |
| Devoted Choice 005 laH7766-005 · PPO | $0 | $3,900 | none | not rated (too new) |
| Humana Gold PlusH1951-047 · HMO | $0 | $4,200 | none | 4.5 of 5 |
| Humana USAA Honor GivebackH1951-060 · HMO | $0 | $4,900 | $195 | 4.5 of 5 |
| Humana USAA Honor GivebackH5216-201 · PPO | $0 | $4,900 | $156 | 3.5 of 5 |
| Wellcare AssistH2491-010 · HMO-POS | $0 | $5,400 | none | 3.5 of 5 |
| Blue adVantage ClassicH6453-013 · HMO-POS | $0 | $5,900 | none | 4 of 5 |
| Devoted Choice Giveback Extras 028 laH7766-028 · PPO | $0 | $6,600 | $70 | not rated (too new) |
| Peoples Health Medicare Advantage Patriot No Rx LAH1961-026 · HMO-POS | $0 | $6,700 | $200 | 4.5 of 5 |
| Aetna Medicare Signature CareH3239-022 · HMO | $0 | $6,750 | none | 3.5 of 5 |
| Aetna Medicare Eagle Plus GivebackH5521-235 · PPO | $0 | $6,750 | $100 | 4.5 of 5 |
| Peoples Health Medicare Advantage Giveback LA-4H1961-020 · HMO-POS | $0 | $7,150 | $105 | 4.5 of 5 |
| Aetna Medicare Signature Extra PlusH5521-233 · PPO | $0 | $7,150 | none | 4.5 of 5 |
| Aetna Medicare Signature CareH5521-365 · PPO | $0 | $7,150 | none | 4.5 of 5 |
| Aetna Medicare Signature GivebackH5521-476 · PPO | $0 | $7,150 | $73 | 4.5 of 5 |
| Blue adVantage LibertyH1248-007 · PPO | $0 | $7,151 | none | 4.5 of 5 |
| Wellcare SimpleH2491-028 · HMO-POS | $0 | $7,500 | none | 3.5 of 5 |
| Wellcare Patriot GivebackH2491-030 · HMO-POS | $0 | $7,900 | $125 | 3.5 of 5 |
Show the other 12 plans, by premium
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| HumanaChoiceR0110-001 · Regional PPO | $0 | $9,000 | none | 3.5 of 5 |
| Wellcare GivebackH2491-031 · HMO-POS | $0 | $9,250 | $63 | 3.5 of 5 |
| Devoted Choice Giveback 006 laH7766-006 · PPO | $0 | $9,850 | $184.70 | not rated (too new) |
| Aetna Medicare Value CareH5521-326 · PPO | $6 | $6,750 | none | 4.5 of 5 |
| Blue adVantage RelianceH6453-017 · HMO-POS | $17 | $4,100 | none | 4 of 5 |
| Humana Value PlusH7617-081 · PPO | $17 | $6,850 | none | 4.5 of 5 |
| Humana Gold PlusH1951-059 · HMO | $19.90 | $3,500 | none | 4.5 of 5 |
| Aetna Medicare Value PlusH5521-646 · PPO | $25 | $9,850 | none | 4.5 of 5 |
| HumanaChoiceH5216-064 · PPO | $54 | $6,700 | none | 3.5 of 5 |
| Blue adVantage PremierH1248-004 · PPO | $175 | $4,000 | none | 4.5 of 5 |
| Humana Full AccessR0110-003 · Regional PPO | $212 | $3,800 | none | 3.5 of 5 |
| Blue adVantage PlatinumH6453-018 · HMO-POS | $249 | $3,500 | none | 4 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. Charles 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 |
|---|---|---|
| Peoples Health ChoicesH4544-001 | 34 | Not offered |
| Peoples Health PatriotH4544-002 | 28 | Not offered |
| Blue adVantage GivebackH6453-020 | 11 | Leaves the county |
| Aetna Medicare Dual CareH5521-472 | 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.
Show the other 10 special needs plans
| Plan | Who can join | Premium |
|---|---|---|
| Peoples Health Secure HealthH1961-032 | Dual-Eligible | $17 |
| Healthy Blue Enhanced CareH1947-003 | Dual-Eligible | $17 |
| Healthy Blue Dual AdvantageH1947-004 | Dual-Eligible | $17 |
| Humana Dual QMB OnlyH1951-032 | Dual-Eligible | $17 |
| Peoples Health Complete Care SupportH1961-029 | Chronic or Disabling Condition | $17 |
| Peoples Health Secure CompleteH1961-031 | Dual-Eligible | $17 |
| HumanaChoice SNP-DEH5216-332 | Dual-Eligible | $17 |
| Lagniappe AdvantageH6566-001 | Institutional | $17 |
| American Health Advantage of LouisianaH8492-001 | Institutional | $17 |
| American Health Advantage of Louisiana ChoiceH8492-002 | Institutional | $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 St. Charles use Medicare Advantage?
8,028 of the county's 10,777 people with Medicare were in a Medicare Advantage plan in September 2026, 74.5%; in Louisiana as a whole the share is 57.5%.
Source: CMS Medicare Advantage state and county penetration, September 2026.
What else should you check?
- Medicare Advantage in LouisianaEvery county of the state
- 8 stand-alone drug plans in LouisianaIf you keep Original Medicare
- Is your plan ending?Every plan not offered in 2027