Medicare Advantage plans in Cabarrus, NC, 2027
Cabarrus, North Carolina has 43 Medicare Advantage plans open to everyone for 2027 (44 in 2026) and 41 special needs plans, according to the CMS landscape files; 35 of the open plans have a $0 premium. 11 plans that served the county in 2026 end or leave it, with 4,899 members living here in September 2026.
What changes in Cabarrus for 2027?
| In the county | 2026 | 2027 | Change |
|---|---|---|---|
| Plans open to everyone | 44 | 43 | ▼down 1 |
| Special needs plans | 37 | 41 | ▲up 4 |
| Plans with a $0 premium | 35 | 35 | no change |
| Plans that lower the Part B premium | 23 | 20 | ▼down 3 |
| Median out-of-pocket limit | $6,750 | $7,150 | ▲up $400 |
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 Cabarrus join?
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| Alignment Health Platinum 012H5296-012 · HMO | $0 | $3,500 | none | 5 of 5 |
| Blue Medicare Medical OnlyH3449-012 · HMO-POS | $0 | $3,900 | $35 | 4 of 5 |
| HealthSpring PreferredH9725-009 · HMO | $0 | $3,900 | $5 | 4 of 5 |
| AARP Medicare Advantage from UHC NC-15H5253-117 · HMO-POS | $0 | $4,450 | none | 4 of 5 |
| Devoted Core 037 NCH5299-037 · HMO | $0 | $4,950 | none | 5 of 5 |
| HealthTeam Advantage Vitality PlanH9808-010 · PPO | $0 | $5,200 | none | 4.5 of 5 |
| Aetna Medicare SignatureH3146-001 · HMO | $0 | $5,500 | none | 4.5 of 5 |
| AARP Medicare Advantage from UHC NC-0022H5253-038 · HMO-POS | $0 | $5,900 | none | 4 of 5 |
| Aetna Medicare SignatureH5521-081 · PPO | $0 | $5,900 | none | 4.5 of 5 |
| Devoted Choice 001 NCH9700-001 · PPO | $0 | $6,150 | none | not rated (too new) |
| Wellcare Assist OpenH1914-009 · PPO | $0 | $6,500 | none | 3.5 of 5 |
| Alignment Health Smart 013H5296-013 · HMO | $0 | $6,500 | $175 | 5 of 5 |
| Wellcare SimpleH4073-001 · HMO-POS | $0 | $6,700 | none | 3.5 of 5 |
| HealthSpring CourageH9725-005 · HMO | $0 | $6,750 | $115 | 4 of 5 |
| HealthSpring Preferred SavingsH9725-015 · HMO | $0 | $6,750 | $179 | 4 of 5 |
| Devoted Giveback Extras 039 NCH5299-039 · HMO | $0 | $7,050 | $70 | 5 of 5 |
| HealthSpring True ChoiceH7849-113 · PPO | $0 | $7,100 | none | 3 of 5 |
| Wellcare Simple OpenH1914-007 · PPO | $0 | $7,150 | none | 3.5 of 5 |
| AARP Medicare Advantage from UHC NC-0017H2406-098 · PPO | $0 | $7,150 | none | 4 of 5 |
| Aetna Medicare EagleH5521-241 · PPO | $0 | $7,150 | $120 | 4.5 of 5 |
Show the other 23 plans, by premium
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| Aetna Medicare Signature GivebackH5521-348 · PPO | $0 | $7,500 | $30 | 4.5 of 5 |
| Blue Medicare Essential PlusH3449-023 · HMO-POS | $0 | $8,400 | none | 4 of 5 |
| HealthTeam Advantage Eagle PlanH9808-009 · PPO | $0 | $8,500 | $150 | 4.5 of 5 |
| Wellcare Patriot Giveback OpenH1914-011 · PPO | $0 | $8,850 | $175 | 3.5 of 5 |
| Devoted Choice Giveback 002 NCH9700-002 · PPO | $0 | $9,250 | $184.70 | not rated (too new) |
| Devoted Choice MA Only 007 NCH9700-007 · PPO | $0 | $9,250 | $184.70 | not rated (too new) |
| AARP Medicare Advantage Patriot No Rx NC-MA02H5253-040 · HMO-POS | $0 | $9,300 | $190 | 4 of 5 |
| Humana Gold Plus GivebackH1036-318 · HMO-POS | $0 | $9,850 | $118 | 4.5 of 5 |
| Humana Gold Plus GivebackH1036-343 · HMO-POS | $0 | $9,850 | $67 | 4.5 of 5 |
| Blue Medicare Freedom+H3404-004 · PPO | $0 | $9,850 | $76 | 4.5 of 5 |
| Blue Medicare EssentialH3449-027 · HMO | $0 | $9,850 | $51 | 4 of 5 |
| Devoted Giveback 012 NCH5299-012 · HMO | $0 | $9,850 | $195 | 5 of 5 |
| Humana USAA Honor GivebackH5525-065 · PPO | $0 | $9,850 | $165 | 3.5 of 5 |
| HumanaChoiceR0110-004 · Regional PPO | $0 | $9,850 | none | 3.5 of 5 |
| Humana USAA Honor GivebackR0110-006 · Regional PPO | $0 | $9,850 | $52 | 3.5 of 5 |
| HumanaChoiceH7617-122 · PPO | $13 | $9,850 | none | 4.5 of 5 |
| HumanaChoiceH5525-070 · PPO | $13.30 | $9,850 | none | 3.5 of 5 |
| AARP Medicare Advantage from UHC NC-0021H5253-037 · HMO-POS | $42 | $4,900 | none | 4 of 5 |
| AARP Medicare Advantage from UHC NC-0016H2406-034 · PPO | $53 | $4,450 | none | 4 of 5 |
| Blue Medicare EnhancedH3449-024 · HMO-POS | $57 | $4,900 | none | 4 of 5 |
| HumanaChoiceH5216-211 · PPO | $67 | $9,850 | none | 3.5 of 5 |
| Blue Medicare PPO EnhancedH3404-003 · PPO | $70 | $6,900 | none | 4.5 of 5 |
| Humana Full AccessR0110-005 · Regional PPO | $158 | $9,850 | 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 Cabarrus 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 Gold PlusH1036-335 | 3,627 | Leaves the county |
| Humana Gold PlusH1036-137 | 804 | Leaves the county |
| HumanaChoice GivebackH5525-035 | 206 | Leaves the county |
| HealthSpring Preferred PlusH9725-017 | 136 | Not offered |
| HumanaChoiceH5525-050 | 38 | Not offered |
| AARP Medicare Advantage Access from UHC NC-23H2001-084 | 27 | Not offered |
| HumanaChoiceH5525-083 | 18 | Not offered |
| Aetna Medicare Signature CareH3146-021 | 17 | Leaves the county |
| Wellcare Giveback OpenH1914-010 | 15 | Not offered |
| Provider Partners North Carolina Essential PlanH4439-003 | 11 | Not offered |
| Provider Partners North Carolina Community PlanH4439-002 | 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 |
|---|---|---|
| Alignment Health Heart & Diabetes 011H5296-011 | Chronic or Disabling Condition | $0 |
| Provider Partners North Carolina Community PlanH4439-004 | Institutional | $0 |
| Liberty Medicare AdvantageH6351-004 | Chronic or Disabling Condition | $0 |
| UHC Complete Care NC-28H5253-189 | Chronic or Disabling Condition | $0 |
| Devoted C-SNP Enhanced 016 NCH5299-016 | Chronic or Disabling Condition | $0 |
| PruittHealth PremierH6345-003 | Institutional | $0 |
| Aetna Medicare Chronic CareH3146-037 | Chronic or Disabling Condition | $0 |
| Devoted Dual 009 NCH5299-009 | Dual-Eligible | $0 |
| Devoted C-SNP Giveback Extras 031 NCH5299-031 | Chronic or Disabling Condition | $0 |
| Aetna Medicare Chronic Care ValueH3146-044 | Chronic or Disabling Condition | $0 |
| UHC Nursing Home Plan NC-F001H0710-034 | Institutional | $0 |
| Humana Gold Plus SNP-DEH1036-167 | Dual-Eligible | $0 |
| Humana Dual SelectH1036-307 | Dual-Eligible | $0 |
| Humana Gold Plus: Diabetes and HeartH1036-308 | Chronic or Disabling Condition | $0 |
| Humana Gold Plus SNP-DEH1036-331 | Dual-Eligible | $0 |
| UHC Dual Complete NC-Q1H1889-005 | Dual-Eligible | $0 |
| UHC Dual Complete NC-S2H1889-034 | Dual-Eligible | $0 |
| Wellcare Carolina Complete Dual Liberty OpenH1914-008 | Dual-Eligible | $0 |
| Aetna Medicare Full DualH3146-002 | Dual-Eligible | $0 |
| Aetna Medicare Full Dual CareH3146-022 | Dual-Eligible | $0 |
Show the other 21 special needs plans
| Plan | Who can join | Premium |
|---|---|---|
| Wellcare Carolina Complete Dual LibertyH4073-004 | Dual-Eligible | $0 |
| UHC Dual Complete NC-Q2H5253-217 | Dual-Eligible | $0 |
| Devoted Dual Plus 006 NCH5299-006 | Dual-Eligible | $0 |
| Devoted Dual Full 013 NCH5299-013 | Dual-Eligible | $0 |
| Devoted C-SNP Plus 015 NCH5299-015 | Chronic or Disabling Condition | $0 |
| HumanaChoice SNP-DEH5525-036 | Dual-Eligible | $0 |
| UHC Dual Complete NC-S3H5253-216 | Dual-Eligible | $3.80 |
| Alignment Health Heart & Diabetes Plus 009H5296-009 | Chronic or Disabling Condition | $4.80 |
| Healthy Blue + MedicareH9147-001 | Dual-Eligible | $13.20 |
| UHC Dual Advantage NC-V1H5253-116 | Dual-Eligible | $13.30 |
| Liberty Medicare Advantage Nursing Home PlanH6351-001 | Institutional | $13.30 |
| Wellcare Carolina Complete Dual ReserveH4073-003 | Dual-Eligible | $13.30 |
| Provider Partners North Carolina Advantage PlanH4439-001 | Institutional | $13.30 |
| Provider Partners North Carolina Essential PlanH4439-005 | Institutional | $13.30 |
| Alignment Health Duals+ 004H5296-004 | Dual-Eligible | $13.30 |
| Longevity Health PlanH5374-001 | Institutional | $13.30 |
| Humana Dual SelectH5525-072 | Dual-Eligible | $13.30 |
| PruittHealth PremierH6345-001 | Institutional | $13.30 |
| HealthSpring TotalCareH9725-003 | Dual-Eligible | $13.30 |
| HealthSpring TotalCare PlusH9725-013 | Dual-Eligible | $13.30 |
| Liberty Medicare Dual PlanH6351-005 | Dual-Eligible | $17.50 |
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 Cabarrus use Medicare Advantage?
25,355 of the county's 40,202 people with Medicare were in a Medicare Advantage plan in September 2026, 63.1%; in North Carolina as a whole the share is 57.9%.
Source: CMS Medicare Advantage state and county penetration, September 2026.
What else should you check?
- Medicare Advantage in North CarolinaEvery county of the state
- 11 stand-alone drug plans in North CarolinaIf you keep Original Medicare
- Is your plan ending?Every plan not offered in 2027