Medicare Advantage plans in Lorain, OH, 2027
Lorain, Ohio has 62 Medicare Advantage plans open to everyone for 2027 (69 in 2026) and 31 special needs plans, according to the CMS landscape files; 37 of the open plans have a $0 premium. 23 plans that served the county in 2026 end or leave it, with 4,035 members living here in September 2026.
What changes in Lorain for 2027?
| In the county | 2026 | 2027 | Change |
|---|---|---|---|
| Plans open to everyone | 69 | 62 | ▼down 7 |
| Special needs plans | 38 | 31 | ▼down 7 |
| Plans with a $0 premium | 43 | 37 | ▼down 6 |
| Plans that lower the Part B premium | 17 | 15 | ▼down 2 |
| Median out-of-pocket limit | $5,500 | $5,950 | ▲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 Lorain join?
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| SummaCare Medicare AmberH3660-058 · HMO | $0 | $3,450 | none | 4.5 of 5 |
| Humana Gold PlusH0292-004 · HMO-POS | $0 | $4,200 | none | 4 of 5 |
| Aetna Medicare Advantra Signature ClassicH1608-029 · PPO | $0 | $4,500 | none | 4 of 5 |
| Devoted Core 022 OHH2697-022 · HMO | $0 | $4,750 | none | 4 of 5 |
| Anthem Medicare AdvantageH3655-045 · HMO-POS | $0 | $4,750 | none | 4 of 5 |
| Aetna Medicare Signature CareH0628-005 · HMO-POS | $0 | $4,900 | none | 4 of 5 |
| Devoted Core 001 OHH2697-001 · HMO | $0 | $4,900 | none | 4 of 5 |
| Perennial Advantage FreedomH8797-003 · HMO-POS | $0 | $4,900 | none | not rated (too little data) |
| SummaCare Medicare QuartzH3660-057 · HMO | $0 | $5,200 | none | 4.5 of 5 |
| Devoted Choice 001 OHH2526-001 · PPO | $0 | $5,300 | none | 4 of 5 |
| Devoted Choice 003 OHH2526-003 · PPO | $0 | $5,300 | none | 4 of 5 |
| Zing Select Care OHH4624-038 · HMO | $0 | $5,500 | none | 2.5 of 5 |
| Humana Gold PlusH6622-022 · HMO-POS | $0 | $5,500 | none | 3.5 of 5 |
| MedMutual Advantage ClassicH6723-001 · HMO-POS | $0 | $5,500 | none | 4 of 5 |
| HumanaChoiceR0110-015 · Regional PPO | $0 | $5,700 | $46 | 3.5 of 5 |
| Anthem VeteranH4036-022 · PPO | $0 | $5,900 | $184 | 4 of 5 |
| AARP Medicare Advantage Essentials from UHC OH-5H5253-144 · HMO-POS | $0 | $5,900 | none | 4 of 5 |
| Aetna Medicare SignatureH5521-088 · PPO | $0 | $5,900 | none | 4.5 of 5 |
| Anthem VeteranR5941-013 · Regional PPO | $0 | $6,100 | none | 3.5 of 5 |
| Devoted Giveback Extras 026 OHH2697-026 · HMO | $0 | $6,350 | $90 | 4 of 5 |
Show the other 42 plans, by premium
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| HealthSpring Preferred SavingsH0672-016 · HMO | $0 | $6,500 | $102 | 3 of 5 |
| HealthSpring PreferredH0672-006 · HMO | $0 | $6,750 | none | 3 of 5 |
| HumanaChoiceH5216-285 · PPO | $0 | $6,750 | none | 3.5 of 5 |
| HumanaChoiceH7617-004 · PPO | $0 | $6,750 | none | 4.5 of 5 |
| Aetna Medicare Eagle GivebackH5521-487 · PPO | $0 | $6,900 | $105 | 4.5 of 5 |
| AARP Medicare Advantage Extras from UHC OH-10H5253-131 · HMO-POS | $0 | $7,150 | none | 4 of 5 |
| Anthem Extra HelpH3655-041 · HMO-POS | $0 | $7,350 | none | 4 of 5 |
| The Health Plan SecureCare Integrity Plan 3H3672-014 · HMO | $0 | $7,500 | $30 | 3.5 of 5 |
| Humana USAA Honor GivebackH5216-218 · PPO | $0 | $7,900 | $110 | 3.5 of 5 |
| Humana USAA Honor GivebackH5216-441 · PPO | $0 | $7,900 | $185 | 3.5 of 5 |
| Humana USAA Honor GivebackH7617-073 · PPO | $0 | $7,900 | $185 | 4.5 of 5 |
| Devoted Giveback 003 OHH2697-003 · HMO | $0 | $8,000 | $184.70 | 4 of 5 |
| AARP Medicare Advantage Giveback from UHC OH-17H5253-135 · HMO-POS | $0 | $8,500 | $58 | 4 of 5 |
| AARP Medicare Advantage Patriot No Rx OH-MA2H5253-244 · HMO-POS | $0 | $8,900 | $200 | 4 of 5 |
| Devoted Choice MA Only 002 OHH2526-002 · PPO | $0 | $9,250 | $184.70 | 4 of 5 |
| HumanaChoice GivebackH5216-481 · PPO | $0 | $9,850 | $123 | 3.5 of 5 |
| Humana Essentials Plus GivebackH7617-144 · PPO | $0 | $9,850 | $124 | 4.5 of 5 |
| HumanaChoiceH5216-106 · PPO | $15 | $5,300 | none | 3.5 of 5 |
| HealthSpring True ChoiceH7849-015 · PPO | $15 | $8,850 | none | 3 of 5 |
| SummaCare Medicare TopazH3660-050 · HMO | $17 | $4,650 | none | 4.5 of 5 |
| Humana Gold PlusH6622-055 · HMO | $27 | $6,550 | none | 3.5 of 5 |
| Devoted Premium 002 OHH2697-002 · HMO | $31 | $6,500 | none | 4 of 5 |
| The Health Plan SecureCare: Option IIH3672-013 · HMO | $33 | $7,500 | none | 3.5 of 5 |
| HumanaChoiceH5216-023 · PPO | $44 | $6,000 | none | 3.5 of 5 |
| The Health Plan SecureChoice OptimumH8604-014 · PPO | $45 | $7,000 | none | 3.5 of 5 |
| AARP Medicare Advantage Essentials from UHC OH-6H5253-124 · HMO-POS | $49 | $4,450 | none | 4 of 5 |
| Humana Full AccessH5525-042 · PPO | $53 | $9,850 | none | 3.5 of 5 |
| SummaCare Medicare RubyH3660-044 · HMO | $55 | $4,200 | none | 4.5 of 5 |
| MedMutual Advantage SelectH4497-001 · PPO | $55 | $6,900 | none | 4.5 of 5 |
| MedMutual Advantage ChoiceH6723-002 · HMO | $57 | $4,450 | none | 4 of 5 |
| AARP Medicare Advantage Extras from UHC OH-8H5253-126 · HMO-POS | $59 | $4,900 | none | 4 of 5 |
| Anthem Medicare Advantage 3H4036-025 · PPO | $59 | $7,150 | none | 4 of 5 |
| Anthem Medicare Advantage 4H4036-017 · PPO | $65 | $7,150 | none | 4 of 5 |
| SummaCare Medicare SapphireH3660-029 · HMO-POS | $85 | $3,800 | none | 4.5 of 5 |
| AARP Medicare Advantage from UHC OH-0001H5253-051 · HMO-POS | $85 | $4,200 | none | 4 of 5 |
| HumanaChoiceH5525-030 · PPO | $86 | $4,450 | none | 3.5 of 5 |
| MedMutual Advantage PreferredH4497-002 · PPO | $89 | $5,900 | none | 4.5 of 5 |
| MedMutual Advantage PlusH6723-003 · HMO | $92 | $4,450 | none | 4 of 5 |
| Anthem Medicare AdvantageR5941-014 · Regional PPO | $106 | $6,750 | none | 3.5 of 5 |
| HumanaChoiceR0110-016 · Regional PPO | $121 | $7,150 | none | 3.5 of 5 |
| SummaCare Medicare EmeraldH3660-028 · HMO-POS | $159 | $3,000 | none | 4.5 of 5 |
| MedMutual Advantage PremiumH4497-003 · PPO | $168 | $3,450 | none | 4.5 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 Lorain 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 |
|---|---|---|
| UHC Dual Complete OH-D002H5322-028 | 838 | Not offered |
| UHC Dual Complete OH-S3H1285-002 | 688 | Not offered |
| MedMutual Advantage AccessH4497-005 | 387 | Not offered |
| Devoted Dual Plus 010 OHH2697-010 | 358 | Not offered |
| Humana Gold Plus SNP-DEH6622-087 | 315 | Not offered |
| Aetna Medicare Dual CareH0628-013 | 237 | Not offered |
| Humana Gold Plus SNP-DEH6622-015 | 223 | Not offered |
| Aetna Medicare SignatureH3931-107 | 199 | Not offered |
| Aetna Medicare Partial DualH0628-041 | 132 | Not offered |
| Devoted Dual 011 OHH2697-011 | 115 | Not offered |
| Wellcare SimpleH0908-003 | 114 | Not offered |
| UHC Dual Complete OH-D1H2001-058 | 112 | Not offered |
| UHC Dual Complete OH-V002H5322-034 | 100 | Not offered |
| Humana Dual SelectH5525-046 | 72 | Not offered |
| Wellcare Dual ReserveH0908-006 | 51 | Not offered |
| Wellcare AssistH0908-004 | 34 | Not offered |
| SummaCare Medicare GarnetH3660-053 | 33 | Not offered |
| Wellcare Dual AccessH0908-001 | 27 | Not offered |
| HealthSpring TotalCareH0672-015 | fewer than 11 | Not offered |
| HealthSpring TotalCare PlusH0672-018 | fewer than 11 | Not offered |
| The Health Plan SecureCare SNPH3672-019 | fewer than 11 | Leaves the county |
| CommuniCare Advantage CSNPH3727-001 | fewer than 11 | Not offered |
| Humana Together in Health SelectH5216-453 | 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 |
|---|---|---|
| Perennial Advantage PremierH8797-004 | Institutional | $0 |
| Devoted C-SNP Enhanced 017 OHH2697-017 | Chronic or Disabling Condition | $0 |
| Humana Senior Living PlanH7617-142 | Institutional | $0 |
| Devoted C-SNP Giveback Extras 024 OHH2697-024 | Chronic or Disabling Condition | $0 |
| Wellcare Buckeye Health Dual ReserveH4158-003 | Dual-Eligible | $0 |
| Zing Select Diabetes & Heart OHH4624-034 | Chronic or Disabling Condition | $0 |
| Zing Select Dialysis OHH4624-036 | Chronic or Disabling Condition | $0 |
| UHC Complete Care OH-18H5253-190 | Chronic or Disabling Condition | $0 |
| Anthem Dual AdvantageH2628-005 | Dual-Eligible | $0 |
| Aetna Medicare Chronic CareH0628-036 | Chronic or Disabling Condition | $0 |
| Humana Gold Plus: Diabetes and HeartH6622-017 | Chronic or Disabling Condition | $0 |
| Aetna Medicare Chronic Care TotalH0628-031 | Chronic or Disabling Condition | $0 |
| Anthem I MyCare Ohio Full Dual SupportH2628-001 | Dual-Eligible | $0 |
| Anthem Dual Advantage PlusH2628-006 | Dual-Eligible | $0 |
| Anthem I MyCare Ohio Full Dual AdvantageH2628-007 | Dual-Eligible | $0 |
| Devoted C-SNP Plus 016 OHH2697-016 | Chronic or Disabling Condition | $0 |
| CommuniCare Advantage CSNPH3727-006 | Chronic or Disabling Condition | $0 |
| Wellcare Buckeye MyCare Ohio Dual Align UnityH4158-001 | Dual-Eligible | $0 |
| Wellcare Buckeye Health Dual AccessH4158-002 | Dual-Eligible | $0 |
| Humana Together in HealthH5216-401 | Institutional | $0 |
Show the other 11 special needs plans
| Plan | Who can join | Premium |
|---|---|---|
| UHC Complete Care Support OH-2AH5253-264 | Chronic or Disabling Condition | $0 |
| Humana Together in HealthH7617-140 | Institutional | $0 |
| Wellcare Buckeye MyCare Ohio Dual AlignH4158-004 | Dual-Eligible | $10.30 |
| UHC Nursing Home Plan OH-F001H0710-027 | Institutional | $12.70 |
| UHC Care Advantage OH-E001H0710-057 | Institutional | $21.10 |
| CareSource MyCare OhioH6396-017 | Dual-Eligible | $21.10 |
| Valor Health PlanH1119-001 | Institutional | $21.10 |
| CommuniCare Advantage ISNPH3727-002 | Institutional | $21.10 |
| Perennial Advantage StriveH8797-001 | Institutional | $21.10 |
| Molina Complete Care for MyCare OhioH9955-008 | Dual-Eligible | $21.10 |
| Molina Complete Care Connect for MyCare OhioH9955-009 | Dual-Eligible | $21.10 |
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 Lorain use Medicare Advantage?
46,021 of the county's 79,340 people with Medicare were in a Medicare Advantage plan in September 2026, 58.0%; in Ohio as a whole the share is 56.7%.
Source: CMS Medicare Advantage state and county penetration, September 2026.
What else should you check?
- Medicare Advantage in OhioEvery county of the state
- 9 stand-alone drug plans in OhioIf you keep Original Medicare
- Is your plan ending?Every plan not offered in 2027