Medicare Advantage plans in St. Clair, MO, 2027
St. Clair, Missouri has 23 Medicare Advantage plans open to everyone for 2027 (26 in 2026) and 15 special needs plans, according to the CMS landscape files; 17 of the open plans have a $0 premium. 7 plans that served the county in 2026 end or leave it, with 218 members living here in September 2026.
What changes in St. Clair for 2027?
| In the county | 2026 | 2027 | Change |
|---|---|---|---|
| Plans open to everyone | 26 | 23 | ▼down 3 |
| Special needs plans | 16 | 15 | ▼down 1 |
| Plans with a $0 premium | 19 | 17 | ▼down 2 |
| Plans that lower the Part B premium | 11 | 9 | ▼down 2 |
| Median out-of-pocket limit | $5,200 | $5,500 | ▲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 St. Clair join?
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| Devoted Core 005 MOH2041-005 · HMO | $0 | $2,900 | none | not rated (too new) |
| Aetna Medicare Signature ExtraH2663-043 · HMO-POS | $0 | $4,200 | none | 4 of 5 |
| Humana USAA Honor GivebackH5216-278 · PPO | $0 | $4,700 | $150 | 3.5 of 5 |
| Humana USAA Honor GivebackH7617-012 · PPO | $0 | $4,700 | $150 | 4.5 of 5 |
| Devoted Giveback Extras 025 MOH2041-025 · HMO | $0 | $5,000 | $80 | not rated (too new) |
| Aetna Medicare Signature ClassicH1608-018 · PPO | $0 | $5,500 | none | 4 of 5 |
| Aetna Medicare EagleH2663-025 · HMO-POS | $0 | $5,500 | $140 | 4 of 5 |
| HumanaChoice GivebackH5216-404 · PPO | $0 | $5,500 | $61 | 3.5 of 5 |
| Aetna Medicare SignatureH5521-744 · PPO | $0 | $5,500 | none | 4.5 of 5 |
| HumanaChoice GivebackH7617-014 · PPO | $0 | $5,500 | $58 | 4.5 of 5 |
| Humana USAA Honor GivebackR1532-001 · Regional PPO | $0 | $5,500 | $37 | 2.5 of 5 |
| AARP Medicare Advantage Patriot No Rx MO-MA01H2802-050 · HMO-POS | $0 | $5,900 | $170 | 4 of 5 |
| Devoted Giveback 006 MOH2041-006 · HMO | $0 | $7,150 | $164.70 | not rated (too new) |
| AARP Medicare Advantage Essentials from UHC MO-4H2802-030 · HMO-POS | $0 | $7,150 | none | 4 of 5 |
| AARP Medicare Advantage Extras from UHC MO-10H2802-072 · HMO-POS | $0 | $7,150 | none | 4 of 5 |
| AARP Medicare Advantage from UHC MO-0009H8768-027 · PPO | $0 | $7,150 | none | 3.5 of 5 |
| Humana Gold ChoiceH8145-126 · PFFS | $0 | $9,850 | none | 3.5 of 5 |
| Aetna Medicare Value PlusH2663-064 · HMO | $1.50 | $5,500 | none | 4 of 5 |
| Humana Gold PlusH0028-016 · HMO-POS | $22 | $7,550 | none | 3.5 of 5 |
| AARP Medicare Advantage from UHC MO-0005H2802-031 · HMO-POS | $25 | $4,450 | none | 4 of 5 |
| Humana Gold ChoiceH8145-006 · PFFS | $60 | $7,800 | none | 3.5 of 5 |
| HumanaChoiceH5216-032 · PPO | $76 | $9,250 | none | 3.5 of 5 |
| HumanaChoiceR1532-002 · Regional PPO | $119 | $7,700 | none | 2.5 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. Clair 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 Value ChoiceH5216-318 | 69 | Leaves the county |
| Humana Value ChoiceH7617-023 | 65 | Leaves the county |
| Humana Gold PlusH4623-001 | 60 | Leaves the county |
| HumanaChoice SNP-DEH5216-164 | 24 | Leaves the county |
| UHC Complete Care Support AM-1AR3444-008 | fewer than 11 | Not offered |
| UHC Complete Care AM-1R3444-009 | fewer than 11 | Not offered |
| UHC Medicare Advantage AM-0002R3444-012 | 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 |
|---|---|---|
| Devoted Dual 008 MOH2041-008 | Dual-Eligible | $0 |
| Devoted C-SNP Enhanced 014 MOH2041-014 | Chronic or Disabling Condition | $0 |
| UHC Complete Care MO-1H2001-055 | Chronic or Disabling Condition | $0 |
| Devoted C-SNP Giveback Extras 018 MOH2041-018 | Chronic or Disabling Condition | $0 |
| UHC Dual Advantage MO-V1H0169-015 | Dual-Eligible | $0 |
| Devoted Dual Plus 007 MOH2041-007 | Dual-Eligible | $0 |
| Devoted Dual Full 011 MOH2041-011 | Dual-Eligible | $0 |
| Devoted C-SNP Plus 016 MOH2041-016 | Chronic or Disabling Condition | $0 |
| Aetna Medicare Full Dual ExtraH2663-110 | Dual-Eligible | $0 |
| Aetna Medicare DualH5325-004 | Dual-Eligible | $0 |
| HumanaChoice SNP-DEH7617-006 | Dual-Eligible | $0 |
| UHC Dual Complete MO-Q1H0169-002 | Dual-Eligible | $2.60 |
| Aetna Medicare Full DualH5325-013 | Dual-Eligible | $2.90 |
| UHC Dual Complete MO-S3H0169-014 | Dual-Eligible | $8.90 |
| UHC Dual Complete MO-Q2H2001-040 | Dual-Eligible | $18.40 |
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. Clair use Medicare Advantage?
1,501 of the county's 2,917 people with Medicare were in a Medicare Advantage plan in September 2026, 51.5%; in Missouri as a whole the share is 54.6%.
Source: CMS Medicare Advantage state and county penetration, September 2026.
What else should you check?
- Medicare Advantage in MissouriEvery county of the state
- 9 stand-alone drug plans in MissouriIf you keep Original Medicare
- Is your plan ending?Every plan not offered in 2027