Medicare Advantage plans in Flathead, MT, 2027
Flathead, Montana has 13 Medicare Advantage plans open to everyone for 2027 (21 in 2026) and 4 special needs plans, according to the CMS landscape files; 6 of the open plans have a $0 premium. 10 plans that served the county in 2026 end or leave it, with 2,557 members living here in September 2026.
What changes in Flathead for 2027?
| In the county | 2026 | 2027 | Change |
|---|---|---|---|
| Plans open to everyone | 21 | 13 | ▼down 8 |
| Special needs plans | 4 | 4 | no change |
| Plans with a $0 premium | 12 | 6 | ▼down 6 |
| Plans that lower the Part B premium | 6 | 3 | ▼down 3 |
| Median out-of-pocket limit | $6,500 | $6,750 | ▲up $250 |
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 Flathead join?
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| Humana Total CompleteH6622-097 · HMO | $0 | $6,200 | none | 3.5 of 5 |
| HumanaChoiceH5216-457 · PPO | $0 | $6,550 | none | 3.5 of 5 |
| Humana Value ChoiceH7617-030 · PPO | $0 | $6,550 | none | 4.5 of 5 |
| Humana USAA Honor GivebackH5216-278 · PPO | $0 | $6,750 | $150 | 3.5 of 5 |
| Humana Essentials Plus GivebackH7617-024 · PPO | $0 | $8,400 | $47 | 4.5 of 5 |
| Humana USAA Honor GivebackH5216-427 · PPO | $0 | $9,150 | $150 | 3.5 of 5 |
| HumanaChoiceH5216-089 · PPO | $15 | $5,200 | none | 3.5 of 5 |
| Humana Gold PlusH6622-007 · HMO | $21 | $5,850 | none | 3.5 of 5 |
| Humana Full AccessH7617-026 · PPO | $45 | $6,700 | none | 4.5 of 5 |
| Humana Gold ChoiceH8145-006 · PFFS | $60 | $7,800 | none | 3.5 of 5 |
| HumanaChoiceH5216-048 · PPO | $97 | $7,000 | none | 3.5 of 5 |
| True West Rx 1H8267-001 · PPO | $99.80 | $8,000 | none | not rated |
| True West No Rx 3H8267-003 · PPO | $149 | $6,750 | none | not rated |
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 Flathead 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 |
|---|---|---|
| AARP Medicare Advantage from UHC MT-0002H8211-009 | 743 | Not offered |
| Blue Cross Medicare Advantage ClassicH0107-003 | 594 | Not offered |
| Blue Cross Medicare Advantage Choice PlusH0107-005 | 343 | Not offered |
| AARP Medicare Advantage from UHC MT-0001H8211-007 | 312 | Not offered |
| Blue Cross Medicare Advantage OptimumH0107-004 | 181 | Not offered |
| Blue Cross Medicare Advantage Dental PremierH0107-007 | 178 | Not offered |
| Blue Cross Medicare Advantage Health ChoiceH0107-010 | 108 | Not offered |
| AARP Medicare Advantage Patriot No Rx MT-MA01H8211-010 | 54 | Not offered |
| AARP Medicare Advantage Access from UHC MT-3H8211-012 | 44 | Not offered |
| Blue Cross Medicare Advantage ProtectH0107-011 | 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 |
|---|---|---|
| Humana Gold Plus SNP-DEH6622-008 | Dual-Eligible | $0 |
| HumanaChoice SNP-DEH7617-036 | Dual-Eligible | $0 |
| Humana Dual QMB OnlyH7617-037 | Dual-Eligible | $0 |
| UHC Dual Complete MT-S001H2001-041 | Dual-Eligible | $24.60 |
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 Flathead use Medicare Advantage?
10,147 of the county's 29,342 people with Medicare were in a Medicare Advantage plan in September 2026, 34.6%; in Montana as a whole the share is 29.6%.
Source: CMS Medicare Advantage state and county penetration, September 2026.
What else should you check?
- Medicare Advantage in MontanaEvery county of the state
- 9 stand-alone drug plans in MontanaIf you keep Original Medicare
- Is your plan ending?Every plan not offered in 2027