Medicare Advantage plans in Montgomery, PA, 2027
Montgomery, Pennsylvania has 58 Medicare Advantage plans open to everyone for 2027 (61 in 2026) and 36 special needs plans, according to the CMS landscape files; 37 of the open plans have a $0 premium. 11 plans that served the county in 2026 end or leave it, with 3,021 members living here in September 2026.
What changes in Montgomery for 2027?
| In the county | 2026 | 2027 | Change |
|---|---|---|---|
| Plans open to everyone | 61 | 58 | ▼down 3 |
| Special needs plans | 30 | 36 | ▲up 6 |
| Plans with a $0 premium | 34 | 37 | ▲up 3 |
| Plans that lower the Part B premium | 18 | 17 | ▼down 1 |
| 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 Montgomery join?
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| HumanaChoice GivebackH5216-116 · PPO | $0 | $4,150 | $69 | 3.5 of 5 |
| Perennial Advantage FreedomH3419-006 · HMO | $0 | $4,500 | none | not rated (too little data) |
| HumanaChoiceR0110-007 · Regional PPO | $0 | $4,750 | none | 3.5 of 5 |
| Freedom Blue PPO ValorH3916-056 · 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 |
| AARP Medicare Advantage Essentials from UHC PA-5H5253-154 · HMO-POS | $0 | $6,700 | none | 4 of 5 |
| Keystone 65 Select Medical OnlyH3952-050 · HMO | $0 | $6,750 | none | 4 of 5 |
| Devoted Choice 007 PAH6018-007 · PPO | $0 | $7,100 | none | 3.5 of 5 |
| AARP Medicare Advantage from UHC PA-0010H2406-071 · PPO | $0 | $7,150 | none | 4 of 5 |
| Keystone 65 Liberty Medical OnlyH3952-059 · HMO | $0 | $7,150 | $120 | 4 of 5 |
| Aetna Medicare Advantra EagleH3959-094 · HMO-POS | $0 | $7,150 | $45 | 4 of 5 |
| AARP Medicare Advantage Patriot No Rx PA-MA01H5253-152 · HMO-POS | $0 | $7,150 | $200 | 4 of 5 |
| AARP Medicare Advantage Extras from UHC PA-18H5253-203 · HMO-POS | $0 | $7,150 | none | 4 of 5 |
| Aetna Medicare Signature ExtraH5521-263 · PPO | $0 | $7,150 | none | 4.5 of 5 |
| Humana USAA Honor Giveback with RxH5525-059 · PPO | $0 | $7,350 | $84 | 3.5 of 5 |
| Devoted Core 023 PAH6852-023 · HMO | $0 | $7,500 | none | not rated (too little data) |
| Jefferson Health Plans CompleteH9207-012 · HMO | $0 | $7,500 | none | 3.5 of 5 |
| HealthSpring PreferredH3949-052 · HMO | $0 | $7,700 | none | 3 of 5 |
Show the other 38 plans, by premium
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| Humana Value ChoiceH5525-051 · PPO | $0 | $7,750 | none | 3.5 of 5 |
| Jefferson Health Plans FlexH1619-001 · PPO | $0 | $8,000 | none | not rated (too little data) |
| Humana Total CompleteH6622-037 · HMO | $0 | $8,200 | none | 3.5 of 5 |
| Humana Essentials Plus GivebackH5525-085 · PPO | $0 | $8,250 | $110 | 3.5 of 5 |
| Devoted Giveback Extras 036 PAH6852-036 · HMO | $0 | $8,400 | $70 | not rated (too little data) |
| HealthSpring Preferred PAH3949-031 · HMO | $0 | $8,700 | none | 3 of 5 |
| AARP Medicare Advantage Giveback from UHC PA-12H2406-101 · PPO | $0 | $9,200 | $55 | 4 of 5 |
| HealthSpring Preferred SavingsH3949-053 · HMO | $0 | $9,250 | $165 | 3 of 5 |
| Wellcare SimpleH2915-003 · HMO-POS | $0 | $9,850 | none | 3.5 of 5 |
| Personal Choice 65 Achieve RxH3909-020 · PPO | $0 | $9,850 | none | 4 of 5 |
| Keystone 65 Assured RxH3952-062 · HMO | $0 | $9,850 | none | 4 of 5 |
| Aetna Medicare Advantra SignatureH3959-052 · HMO-POS | $0 | $9,850 | none | 4 of 5 |
| Aetna Medicare Advantra Signature GivebackH5522-017 · PPO | $0 | $9,850 | $42 | 4.5 of 5 |
| Aetna Medicare EliteH5522-028 · PPO | $0 | $9,850 | none | 4.5 of 5 |
| UPMC for Life PPO SaluteH5533-016 · PPO | $0 | $9,850 | $50 | 4.5 of 5 |
| Devoted Choice Giveback 003 PAH6018-003 · PPO | $0 | $9,850 | $184.70 | 3.5 of 5 |
| Jefferson Health Plans GivebackH9207-015 · HMO | $0 | $9,850 | $132 | 3.5 of 5 |
| HealthSpring True ChoiceH7849-151 · PPO | $9 | $7,900 | none | 3 of 5 |
| Jefferson Health Plans PrimeH9207-002 · HMO | $12.80 | $6,500 | none | 3.5 of 5 |
| Keystone 65 Focus RxH3952-054 · HMO-POS | $15 | $7,150 | none | 4 of 5 |
| Keystone 65 Basic RxH3952-055 · HMO | $15 | $9,500 | none | 4 of 5 |
| Geisinger Gold Value RxH3954-163 · HMO | $29 | $9,000 | none | 4.5 of 5 |
| HumanaChoiceH5525-005 · PPO | $39 | $8,300 | none | 3.5 of 5 |
| Jefferson Health Plans PreferredH1619-004 · PPO | $40 | $6,500 | none | not rated (too little data) |
| Aetna Medicare Value CareH3959-033 · HMO-POS | $43 | $9,850 | none | 4 of 5 |
| HealthSpring Preferred PlusH3949-030 · HMO | $44 | $7,150 | none | 3 of 5 |
| Keystone 65 Essential RxH3952-060 · HMO-POS | $45 | $9,000 | none | 4 of 5 |
| AARP Medicare Advantage from UHC PA-0008H2406-047 · PPO | $60 | $5,900 | none | 4 of 5 |
| AARP Medicare Advantage from UHC PA-0001H5253-145 · HMO-POS | $63 | $6,700 | none | 4 of 5 |
| HumanaChoiceR0110-008 · Regional PPO | $75 | $7,150 | none | 3.5 of 5 |
| AARP Medicare Advantage from UHC PA-0009H2406-048 · PPO | $81 | $7,150 | none | 4 of 5 |
| Keystone 65 Select RxH3952-051 · HMO | $94 | $6,750 | none | 4 of 5 |
| Keystone 65 Preferred Medical OnlyH3952-008 · HMO | $105 | $4,450 | none | 4 of 5 |
| HumanaChoiceH5216-120 · PPO | $107 | $7,600 | none | 3.5 of 5 |
| Aetna Medicare Advantra PremierH5522-014 · PPO | $128 | $7,150 | none | 4.5 of 5 |
| Complete Blue PPO DistinctH3916-062 · PPO | $137 | $6,750 | none | 4.5 of 5 |
| Keystone 65 Preferred RxH3952-045 · HMO | $178 | $4,450 | none | 4 of 5 |
| Personal Choice 65 RxH3909-009 · PPO | $207 | $5,950 | none | 4 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 Montgomery 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 |
|---|---|---|
| HumanaChoiceH5525-086 | 1,305 | Leaves the county |
| Personal Choice 65 Plus RxH3909-018 | 564 | Not offered |
| Jefferson Health Plans Flex ProH1619-003 | 449 | Not offered |
| Aetna Medicare PremierH3931-004 | 343 | Not offered |
| Aetna Medicare EnhancedH5521-122 | 281 | Not offered |
| Jefferson Health Plans Flex PlusH1619-002 | 42 | Not offered |
| Humana Gold ChoiceH8145-163 | 25 | Not offered |
| Wellcare Patriot GivebackH2915-013 | 12 | Not offered |
| Aetna Community HealthChoicesH3959-070 | fewer than 11 | Not offered |
| Provider Partners Pennsylvania Community PlanH4093-004 | fewer than 11 | Not offered |
| Provider Partners Pennsylvania Essential PlanH4093-008 | 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 |
|---|---|---|
| Provider Partners Pennsylvania Community PlanH4093-009 | Institutional | $0 |
| Perennial Advantage PremierH3419-007 | Institutional | $0 |
| Wellcare PA Health & Wellness Dual SelectH2915-018 | Dual-Eligible | $0 |
| HealthSpring AchieveH3949-024 | Chronic or Disabling Condition | $0 |
| UHC Complete Care PA-17H5253-192 | Chronic or Disabling Condition | $0 |
| HumanaChoice: Diabetes and HeartH7617-116 | Chronic or Disabling Condition | $0 |
| Devoted C-SNP Enhanced 016 PAH6852-016 | Chronic or Disabling Condition | $0 |
| Devoted C-SNP Giveback Extras 027 PAH6852-027 | 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 Dual CareH3959-035 | Dual-Eligible | $0 |
| Aetna Medicare LongevityH3959-066 | Institutional | $0 |
| Aetna Medicare Full Dual CareH3959-089 | Dual-Eligible | $0 |
| UHC Complete Care Support PA-1AH5253-234 | Chronic or Disabling Condition | $0 |
| Highmark Wholecare Medicare Assured DiamondH5932-012 | Dual-Eligible | $0 |
| Humana Gold Plus SNP-DEH6622-078 | Dual-Eligible | $0 |
| Devoted Dual Plus 007 PAH6852-007 | Dual-Eligible | $0 |
| Devoted C-SNP Plus 021 PAH6852-021 | Chronic or Disabling Condition | $0 |
Show the other 16 special needs plans
| Plan | Who can join | Premium |
|---|---|---|
| Devoted Dual Full 026 PAH6852-026 | Dual-Eligible | $0 |
| UPMC for Life Complete CareH7123-001 | Dual-Eligible | $0 |
| Geisinger Gold Secure RxH3954-097 | Dual-Eligible | $1 |
| UHC Dual Complete PA-S001H1889-007 | Dual-Eligible | $11.70 |
| UHC Nursing Home Plan EX-F002H0710-017 | Institutional | $12.50 |
| Highmark Wholecare Medicare Assured RubyH5932-013 | Dual-Eligible | $12.80 |
| UHC Dual Advantage PA-V1H3113-014 | Dual-Eligible | $12.80 |
| Perennial Advantage StriveH3419-005 | Institutional | $12.80 |
| HealthSpring TotalCare PlusH3949-009 | Dual-Eligible | $12.80 |
| Aetna Medicare Chronic Care ValueH3959-074 | Chronic or Disabling Condition | $12.80 |
| Provider Partners Pennsylvania Advantage PlanH4093-001 | Institutional | $12.80 |
| Provider Partners Pennsylvania Essential PlanH4093-010 | Institutional | $12.80 |
| Keystone First VIP ChoiceH4227-001 | 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 |
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 Montgomery use Medicare Advantage?
71,241 of the county's 193,843 people with Medicare were in a Medicare Advantage plan in September 2026, 36.8%; 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