Medicare Advantage plans in Clay, MS, 2027
Clay, Mississippi has 16 Medicare Advantage plans open to everyone for 2027 (13 in 2026) and 13 special needs plans, according to the CMS landscape files; 12 of the open plans have a $0 premium. 1 plan that served the county in 2026 ends or leaves it, with 59 members living here in September 2026.
What changes in Clay for 2027?
| In the county | 2026 | 2027 | Change |
|---|---|---|---|
| Plans open to everyone | 13 | 16 | ▲up 3 |
| Special needs plans | 11 | 13 | ▲up 2 |
| Plans with a $0 premium | 10 | 12 | ▲up 2 |
| Plans that lower the Part B premium | 2 | 2 | no change |
| Median out-of-pocket limit | $6,700 | $7,150 | ▲up $450 |
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 Clay join?
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| Healthy Mississippi PreferredH1823-001 · PPO | $0 | $4,200 | none | not rated |
| Healthy Mississippi Premier AdvantageH8879-001 · HMO-POS | $0 | $4,200 | none | not rated (too new) |
| AARP Medicare Advantage Essentials from UHC MS-1H5253-141 · HMO-POS | $0 | $5,900 | none | 4 of 5 |
| AARP Medicare Advantage Direct OTC from UHC MS-8H5253-222 · HMO-POS | $0 | $5,900 | none | 4 of 5 |
| AARP Medicare Advantage Direct Plus from UHC MS-9H5253-223 · HMO-POS | $0 | $5,900 | none | 4 of 5 |
| Aetna Medicare SignatureH3239-014 · HMO | $0 | $7,150 | none | 3.5 of 5 |
| AARP Medicare Advantage Extras from UHC MS-7H5253-221 · HMO-POS | $0 | $7,150 | none | 4 of 5 |
| AARP Medicare Advantage Patriot No Rx MS-MA01H8768-031 · PPO | $0 | $7,150 | $180 | 3.5 of 5 |
| AARP Medicare Advantage Giveback from UHC MS-4H8768-040 · PPO | $0 | $7,150 | $47 | 3.5 of 5 |
| HumanaChoiceR0110-001 · Regional PPO | $0 | $9,000 | none | 3.5 of 5 |
| Aetna Medicare Eagle PlusH5521-324 · PPO | $0 | $9,250 | none | 4.5 of 5 |
| Aetna Medicare Signature PlusH5521-553 · PPO | $0 | $9,850 | none | 4.5 of 5 |
| AARP Medicare Advantage from UHC MS-0003H8768-034 · PPO | $10 | $7,150 | none | 3.5 of 5 |
| Aetna Medicare Value PlusH5521-470 · PPO | $23.80 | $9,850 | none | 4.5 of 5 |
| AARP Medicare Advantage from UHC MS-0002H8768-030 · PPO | $57 | $6,500 | none | 3.5 of 5 |
| Humana Full AccessR0110-003 · Regional PPO | $212 | $3,800 | 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 Clay 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 |
|---|---|---|
| Blue Advantage MagnoliaH1347-003 | 59 | 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 |
|---|---|---|
| UHC Complete Care MS-6H5253-183 | Chronic or Disabling Condition | $0 |
| UHC Dual Complete MS-S3H1889-044 | Dual-Eligible | $0 |
| UHC Dual Complete MS-Q1H1889-045 | Dual-Eligible | $0 |
| Aetna Medicare Dual ExtraH3239-005 | Dual-Eligible | $0 |
| Aetna Medicare Dual CareH3239-012 | Dual-Eligible | $0 |
| Aetna Medicare Full Dual CareH3239-028 | Dual-Eligible | $0 |
| UHC Dual Complete MS-Q2H5008-011 | Dual-Eligible | $0 |
| UHC Dual Complete MS-S4H5008-017 | Dual-Eligible | $0 |
| Aetna Medicare Dual CareH5521-465 | Dual-Eligible | $0 |
| UHC Dual Advantage MS-V1H5008-016 | Dual-Eligible | $6.30 |
| Healthy Mississippi Dual AdvantageH1823-002 | Dual-Eligible | $6.30 |
| Healthy Mississippi InstitutionalH1823-003 | Institutional | $6.30 |
| American Health Advantage of MississippiH9909-001 | Institutional | $6.30 |
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 Clay use Medicare Advantage?
2,356 of the county's 4,889 people with Medicare were in a Medicare Advantage plan in September 2026, 48.2%; in Mississippi as a whole the share is 45.1%.
Source: CMS Medicare Advantage state and county penetration, September 2026.
What else should you check?
- Medicare Advantage in MississippiEvery county of the state
- 9 stand-alone drug plans in MississippiIf you keep Original Medicare
- Is your plan ending?Every plan not offered in 2027