Medicare Advantage plans in Lake, SD, 2027
Lake, South Dakota has 14 Medicare Advantage plans open to everyone for 2027 (16 in 2026) and 5 special needs plans, according to the CMS landscape files; 4 of the open plans have a $0 premium. 6 plans that served the county in 2026 end or leave it, with 222 members living here in September 2026.
What changes in Lake for 2027?
| In the county | 2026 | 2027 | Change |
|---|---|---|---|
| Plans open to everyone | 16 | 14 | ▼down 2 |
| Special needs plans | 4 | 5 | ▲up 1 |
| Plans with a $0 premium | 5 | 4 | ▼down 1 |
| Plans that lower the Part B premium | 2 | 2 | no change |
| Median out-of-pocket limit | $5,450 | $7,150 | ▲up $1,700 |
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 Lake join?
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| Medica Prime Solution StandardH2450-044 · Cost | not filed | $7,150 | none | 3.5 of 5 |
| Medica Prime Solution Standard w/RxH2450-049 · Cost | not filed | $7,150 | none | 3.5 of 5 |
| Aetna Medicare Eagle ClassicH1608-061 · PPO | $0 | $7,150 | $100 | 4 of 5 |
| Aetna Medicare Signature ClassicH1608-120 · PPO | $0 | $7,150 | none | 4 of 5 |
| AARP Medicare Advantage Patriot No Rx SI-MA2H2001-139 · PPO | $0 | $7,150 | $115 | 4.5 of 5 |
| Aetna Medicare SignatureH5521-756 · PPO | $0 | $7,150 | none | 4.5 of 5 |
| Medica Prime Solution ThriftH2450-030 · Cost | $53 | $7,150 | none | 3.5 of 5 |
| Aetna Medicare Enhanced Classic ExtraH1608-119 · PPO | $60 | $7,150 | none | 4 of 5 |
| Aetna Medicare Enhanced ExtraH5521-757 · PPO | $60 | $7,150 | none | 4.5 of 5 |
| Align SecureChoiceH8385-005 · PPO | $60 | $7,150 | none | 4.5 of 5 |
| Medica Prime Solution Thrift w/RxH2450-007 · Cost | $91 | $7,150 | none | 3.5 of 5 |
| Align SecureChoice GoldH8385-006 · PPO | $100 | $6,500 | none | 4.5 of 5 |
| Medica Prime Solution CoreH2450-034 · Cost | $103 | $4,900 | none | 3.5 of 5 |
| Medica Prime Solution PremierH2450-036 · Cost | $227 | $3,900 | 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 Lake 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 |
|---|---|---|
| Blue Medicare Advantage Enhanced PPOH5900-004 | 151 | Not offered |
| Align ChoicePlusH8385-003 | 46 | Not offered |
| Medica Prime Solution Core w/RxH2450-035 | 14 | Not offered |
| Align ChoiceEliteH8385-001 | 11 | Not offered |
| Medica Prime Solution Premier w/RxH2450-037 | fewer than 11 | Not offered |
| Blue Medicare Advantage Valor PPOH5900-007 | 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 |
|---|---|---|
| Aetna Medicare Dual ClassicH1608-062 | Dual-Eligible | $0 |
| Aetna Medicare Full Dual ClassicH1608-121 | Dual-Eligible | $0 |
| Aetna Medicare Full DualH5521-758 | Dual-Eligible | $0 |
| UHC Dual Complete SD-Q1H2001-046 | Dual-Eligible | $24.60 |
| UHC Dual Complete SD-S2H2001-077 | 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 Lake use Medicare Advantage?
1,003 of the county's 2,915 people with Medicare were in a Medicare Advantage plan in September 2026, 34.4%; in South Dakota as a whole the share is 35.1%.
Source: CMS Medicare Advantage state and county penetration, September 2026.
What else should you check?
- Medicare Advantage in South DakotaEvery county of the state
- 9 stand-alone drug plans in South DakotaIf you keep Original Medicare
- Is your plan ending?Every plan not offered in 2027