Medicare Advantage plans in Cumberland, PA, 2027
Cumberland, Pennsylvania has 71 Medicare Advantage plans open to everyone for 2027 (79 in 2026) and 26 special needs plans, according to the CMS landscape files; 37 of the open plans have a $0 premium. 12 plans that served the county in 2026 end or leave it, with 2,769 members living here in September 2026.
What changes in Cumberland for 2027?
| In the county | 2026 | 2027 | Change |
|---|---|---|---|
| Plans open to everyone | 79 | 71 | ▼down 8 |
| Special needs plans | 24 | 26 | ▲up 2 |
| Plans with a $0 premium | 42 | 37 | ▼down 5 |
| Plans that lower the Part B premium | 29 | 21 | ▼down 8 |
| 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 Cumberland join?
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| HumanaChoice GivebackH5216-116 · PPO | $0 | $4,150 | $69 | 3.5 of 5 |
| HumanaChoiceR0110-007 · Regional PPO | $0 | $4,750 | none | 3.5 of 5 |
| Aetna Medicare Advantra Eagle PlusH3959-041 · HMO-POS | $0 | $5,500 | $135 | 4 of 5 |
| Freedom Blue PPO ValorH3916-043 · PPO | $0 | $6,000 | $125 | 4.5 of 5 |
| UPMC for Life HMO No RxH3907-002 · HMO | $0 | $6,500 | $140 | 4.5 of 5 |
| Geisinger Gold HeritageH3954-162 · HMO | $0 | $6,700 | $70 | 4.5 of 5 |
| Humana USAA Honor GivebackH5216-221 · PPO | $0 | $6,700 | $145 | 3.5 of 5 |
| UPMC for Life HMO Premier RxH3907-059 · HMO | $0 | $7,000 | $0.50 | 4.5 of 5 |
| Capital Blue Cross EssentialH3962-022 · HMO | $0 | $7,100 | none | 4.5 of 5 |
| AARP Medicare Advantage from UHC PA-0011H2406-072 · PPO | $0 | $7,150 | none | 4 of 5 |
| Community Blue Medicare PPO SignatureH3916-037 · PPO | $0 | $7,150 | $5 | 4.5 of 5 |
| Geisinger Gold Classic Essential RxH3954-161 · HMO | $0 | $7,150 | none | 4.5 of 5 |
| Community Blue Medicare HMO SignatureH3957-042 · HMO | $0 | $7,150 | $15 | 4.5 of 5 |
| Aetna Medicare PinnacleHealth PrimeH3959-093 · HMO-POS | $0 | $7,150 | none | 4 of 5 |
| AARP Medicare Advantage from UHC PA-0002H5253-146 · HMO-POS | $0 | $7,150 | none | 4 of 5 |
| AARP Medicare Advantage Patriot No Rx PA-MA01H5253-152 · HMO-POS | $0 | $7,150 | $200 | 4 of 5 |
| Aetna Medicare Signature ExtraH5521-263 · PPO | $0 | $7,150 | none | 4.5 of 5 |
| Aetna Medicare Signature GivebackH5522-022 · PPO | $0 | $7,150 | $26 | 4.5 of 5 |
| Humana USAA Honor Giveback with RxH5525-059 · PPO | $0 | $7,350 | $84 | 3.5 of 5 |
| Jefferson Health Plans CompleteH9207-012 · HMO | $0 | $7,500 | none | 3.5 of 5 |
Show the other 51 plans, by premium
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| HealthSpring PreferredH3949-035 · HMO | $0 | $7,900 | none | 3 of 5 |
| Jefferson Health Plans FlexH1619-001 · PPO | $0 | $8,000 | none | not rated (too little data) |
| Humana Value ChoiceH5525-051 · PPO | $0 | $8,000 | none | 3.5 of 5 |
| UPMC for Life Essential RxH5533-017 · PPO | $0 | $8,000 | $100 | 4.5 of 5 |
| Humana Essentials Plus GivebackH5525-085 · PPO | $0 | $8,250 | $110 | 3.5 of 5 |
| Complete Blue PPO MeritH3916-069 · PPO | $0 | $8,300 | $77 | 4.5 of 5 |
| Humana Gold PlusH6622-035 · HMO | $0 | $8,300 | none | 3.5 of 5 |
| AARP Medicare Advantage Giveback from UHC PA-12H2406-101 · PPO | $0 | $9,200 | $55 | 4 of 5 |
| Aetna Medicare Advantra SignatureH5522-004 · PPO | $0 | $9,250 | none | 4.5 of 5 |
| Capital Blue Cross ValueH3923-045 · PPO | $0 | $9,800 | $25 | 4.5 of 5 |
| Wellcare SimpleH2915-003 · HMO-POS | $0 | $9,850 | none | 3.5 of 5 |
| Capital Blue Cross SelectH3923-044 · PPO | $0 | $9,850 | none | 4.5 of 5 |
| Geisinger Gold Preferred Complete RxH3924-065 · PPO | $0 | $9,850 | none | 4.5 of 5 |
| Aetna Medicare Advantra Signature GivebackH5522-017 · PPO | $0 | $9,850 | $42 | 4.5 of 5 |
| UPMC for Life PPO SaluteH5533-016 · PPO | $0 | $9,850 | $50 | 4.5 of 5 |
| Humana Gold ChoiceH8145-052 · PFFS | $0 | $9,850 | none | 3.5 of 5 |
| Jefferson Health Plans GivebackH9207-015 · HMO | $0 | $9,850 | $132 | 3.5 of 5 |
| Freedom Blue PPO BasicH3916-012 · PPO | $5 | $5,900 | $19 | 4.5 of 5 |
| HealthSpring True ChoiceH7849-106 · PPO | $7 | $7,500 | none | 3 of 5 |
| Jefferson Health Plans PrimeH9207-002 · HMO | $12.80 | $6,500 | none | 3.5 of 5 |
| Capital Blue Cross BasicH3923-049 · PPO | $28 | $9,800 | none | 4.5 of 5 |
| Geisinger Gold Value RxH3954-163 · HMO | $29 | $9,000 | none | 4.5 of 5 |
| Geisinger Gold Preferred Balance RxH3924-067 · PPO | $29 | $9,850 | none | 4.5 of 5 |
| Capital Blue Cross EnhancedH3923-046 · PPO | $35 | $7,150 | none | 4.5 of 5 |
| Aetna Medicare Value PlusH5522-013 · PPO | $35 | $7,500 | none | 4.5 of 5 |
| HumanaChoiceH5525-086 · PPO | $38 | $6,050 | none | 3.5 of 5 |
| UPMC for Life HMO Rx ChoiceH3907-057 · HMO | $40 | $6,000 | none | 4.5 of 5 |
| Jefferson Health Plans PreferredH1619-004 · PPO | $40 | $6,500 | none | not rated (too little data) |
| Community Blue Medicare HMO DistinctH3957-049 · HMO | $47 | $6,500 | none | 4.5 of 5 |
| HumanaChoiceH5525-006 · PPO | $50 | $6,700 | none | 3.5 of 5 |
| Capital Blue Cross CompleteH3923-047 · PPO | $54 | $7,100 | none | 4.5 of 5 |
| AARP Medicare Advantage from UHC PA-0007H2406-046 · PPO | $57 | $6,300 | none | 4 of 5 |
| Geisinger Gold Classic Complete RxH3954-158 · HMO | $58 | $5,700 | none | 4.5 of 5 |
| Aetna Medicare Advantra EnhancedH3959-039 · HMO-POS | $58 | $7,500 | none | 4 of 5 |
| AARP Medicare Advantage from UHC PA-0008H2406-047 · PPO | $60 | $5,900 | none | 4 of 5 |
| Capital Blue Cross ValueH3962-023 · HMO | $60 | $7,000 | none | 4.5 of 5 |
| UPMC for Life PPO Rx EnhancedH5533-008 · PPO | $60 | $7,550 | none | 4.5 of 5 |
| HumanaChoiceR0110-008 · Regional PPO | $75 | $7,150 | none | 3.5 of 5 |
| Complete Blue PPO DistinctH3916-060 · PPO | $76 | $7,150 | none | 4.5 of 5 |
| Capital Blue Cross ClassicH3923-013 · PPO | $77 | $6,700 | none | 4.5 of 5 |
| Freedom Blue PPO ValueRxH3916-018 · PPO | $84 | $5,500 | none | 4.5 of 5 |
| UPMC for Life HMO RxH3907-058 · HMO | $90 | $4,500 | none | 4.5 of 5 |
| Capital Blue Cross PremierH3962-001 · HMO | $90 | $5,000 | none | 4.5 of 5 |
| Aetna Medicare Advantra PremierH5522-002 · PPO | $99 | $5,900 | none | 4.5 of 5 |
| Geisinger Gold Preferred Advantage RxH3924-059 · PPO | $104 | $4,450 | none | 4.5 of 5 |
| HumanaChoiceH5216-120 · PPO | $107 | $7,600 | none | 3.5 of 5 |
| Geisinger Gold Classic Advantage RxH3954-157 · HMO | $135 | $3,450 | none | 4.5 of 5 |
| Freedom Blue PPO StandardH3916-015 · PPO | $135 | $5,000 | none | 4.5 of 5 |
| Capital Blue Cross PrimeH3923-017 · PPO | $184 | $6,700 | none | 4.5 of 5 |
| Freedom Blue PPO DeluxeH3916-005 · PPO | $239 | $4,500 | none | 4.5 of 5 |
| UPMC for Life HMO Rx EnhancedH3907-006 · HMO | $295 | $7,550 | 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 Cumberland 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 |
|---|---|---|
| UPMC for Life PPO Premier RxH5533-011 | 1,971 | Not offered |
| UPMC for Life PPO Rx ChoiceH5533-015 | 422 | Leaves the county |
| Aetna Medicare PinnacleHealth PrimeH3931-091 | 227 | Not offered |
| Aetna Medicare PinnacleHealth PrimeH5522-029 | 121 | Not offered |
| Jefferson Health Plans Flex ProH1619-003 | 17 | Not offered |
| UPMC for Life HMO Deductible RxH3907-037 | 11 | Leaves the county |
| Jefferson Health Plans Flex PlusH1619-002 | fewer than 11 | Not offered |
| Wellcare Patriot GivebackH2915-013 | fewer than 11 | Not offered |
| Aetna Community HealthChoicesH3959-073 | fewer than 11 | Not offered |
| Aetna Medicare EnhancedH5521-122 | fewer than 11 | Not offered |
| Humana Gold ChoiceH8145-055 | fewer than 11 | Not offered |
| Humana Gold ChoiceH8145-163 | 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 |
|---|---|---|
| Wellcare PA Health & Wellness Dual SelectH2915-018 | Dual-Eligible | $0 |
| UHC Complete Care PA-17H5253-192 | Chronic or Disabling Condition | $0 |
| Humana Dual SelectH6622-103 | Dual-Eligible | $0 |
| Wellcare PA Health & Wellness Dual Liberty SyncH2915-002 | Dual-Eligible | $0 |
| UHC Dual Complete PA-S002H3113-009 | Dual-Eligible | $0 |
| UHC Dual Complete PA-S3H3113-016 | Dual-Eligible | $0 |
| Aetna Medicare DualH3959-036 | Dual-Eligible | $0 |
| Aetna Medicare LongevityH3959-066 | Institutional | $0 |
| Aetna Medicare Full Dual ExtraH3959-092 | Dual-Eligible | $0 |
| UPMC for Life Complete CareH4279-007 | Dual-Eligible | $0 |
| UHC Complete Care Support PA-1AH5253-234 | Chronic or Disabling Condition | $0 |
| Humana Gold Plus SNP-DEH5377-003 | Dual-Eligible | $0 |
| Humana Gold Plus SNP-DEH6622-078 | Dual-Eligible | $0 |
| Aetna Medicare Chronic Care ValueH3959-085 | Chronic or Disabling Condition | $0.50 |
| Geisinger Gold Secure RxH3954-097 | Dual-Eligible | $1 |
| Amerihealth Caritas VIP CareH4227-002 | Dual-Eligible | $9 |
| UHC Dual Complete PA-S001H1889-007 | Dual-Eligible | $11.70 |
| UHC Nursing Home Plan EX-F002H0710-017 | Institutional | $12.50 |
| Highmark Wholecare Medicare Assured RubyH5932-009 | Dual-Eligible | $12.80 |
| UHC Dual Advantage PA-V1H3113-014 | Dual-Eligible | $12.80 |
Show the other 6 special needs plans
| Plan | Who can join | Premium |
|---|---|---|
| HealthSpring TotalCare PlusH3949-009 | Dual-Eligible | $12.80 |
| Highmark Wholecare Medicare Assured DiamondH5932-001 | Dual-Eligible | $12.80 |
| Jefferson Health Plans SpecialH9207-004 | Dual-Eligible | $12.80 |
| Jefferson Health Plans Dual PearlH9207-016 | Dual-Eligible | $12.80 |
| Jefferson Health Plans SelectH9207-017 | Dual-Eligible | $12.80 |
| American Health Advantage of PennsylvaniaH9968-001 | Institutional | $12.80 |
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 Cumberland use Medicare Advantage?
33,649 of the county's 62,306 people with Medicare were in a Medicare Advantage plan in September 2026, 54.0%; in Pennsylvania as a whole the share is 54.5%.
Source: CMS Medicare Advantage state and county penetration, September 2026.
What else should you check?
- Medicare Advantage in PennsylvaniaEvery county of the state
- 8 stand-alone drug plans in PennsylvaniaIf you keep Original Medicare
- Is your plan ending?Every plan not offered in 2027