Medicare Advantage plans in Culpeper, VA, 2027
Culpeper, Virginia has 21 Medicare Advantage plans open to everyone for 2027 (20 in 2026) and 24 special needs plans, according to the CMS landscape files; 18 of the open plans have a $0 premium. Every plan that served the county in 2026 is still sold here in 2027.
What changes in Culpeper for 2027?
| In the county | 2026 | 2027 | Change |
|---|---|---|---|
| Plans open to everyone | 20 | 21 | ▲up 1 |
| Special needs plans | 23 | 24 | ▲up 1 |
| Plans with a $0 premium | 16 | 18 | ▲up 2 |
| Plans that lower the Part B premium | 11 | 7 | ▼down 4 |
| Median out-of-pocket limit | $8,875 | $9,850 | ▲up $975 |
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 Culpeper join?
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| Humana Value ChoiceH5216-266 · PPO | $0 | $7,150 | none | 3.5 of 5 |
| Humana Value ChoiceH7617-098 · PPO | $0 | $7,150 | none | 4.5 of 5 |
| AARP Medicare Advantage Essentials from UHC VA-6H2001-098 · PPO | $0 | $8,900 | none | 4.5 of 5 |
| AARP Medicare Advantage Patriot No Rx VA-MA01H2001-099 · PPO | $0 | $8,900 | $165 | 4.5 of 5 |
| AARP Medicare Advantage Extras from UHC VA-18H2406-125 · PPO | $0 | $9,300 | none | 4 of 5 |
| Humana Essentials Plus GivebackH5216-308 · PPO | $0 | $9,850 | $119 | 3.5 of 5 |
| Humana USAA Honor GivebackH5216-310 · PPO | $0 | $9,850 | $162 | 3.5 of 5 |
| HumanaChoiceH5216-363 · PPO | $0 | $9,850 | none | 3.5 of 5 |
| Humana Direct Choice GivebackH5216-406 · PPO | $0 | $9,850 | $126 | 3.5 of 5 |
| HumanaChoiceH5216-408 · PPO | $0 | $9,850 | none | 3.5 of 5 |
| Humana Gold PlusH5619-047 · HMO | $0 | $9,850 | none | 3 of 5 |
| Humana Total CompleteH6622-083 · HMO | $0 | $9,850 | none | 3.5 of 5 |
| Humana Gold PlusH6622-085 · HMO | $0 | $9,850 | none | 3.5 of 5 |
| Humana Total CompleteH6622-091 · HMO | $0 | $9,850 | none | 3.5 of 5 |
| Humana Essentials Plus GivebackH7617-100 · PPO | $0 | $9,850 | $119 | 4.5 of 5 |
| Humana USAA Honor GivebackH7617-101 · PPO | $0 | $9,850 | $162 | 4.5 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 |
| Anthem Medicare Advantage 3H3447-051 · HMO-POS | $29 | $6,300 | none | 3.5 of 5 |
| HumanaChoiceH7617-125 · PPO | $58 | $9,850 | 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 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 |
|---|---|---|
| UHC Dual Advantage VA-V1H2445-004 | Dual-Eligible | $0 |
| Premier CareH2185-003 | Institutional | $0 |
| Anthem Kidney CareH3447-033 | Chronic or Disabling Condition | $0 |
| Humana DaVita Kidney CareH7617-133 | Chronic or Disabling Condition | $0 |
| Aetna Medicare FIDEH1610-001 | Dual-Eligible | $0 |
| Anthem Dual Advantage PlusH2441-001 | Dual-Eligible | $0 |
| UHC Dual Complete VA-YLH2445-001 | Dual-Eligible | $0 |
| UHC Dual Complete VA-Q001H2445-002 | Dual-Eligible | $0 |
| UHC Dual Complete VA-Y002H2445-003 | Dual-Eligible | $0 |
| Humana Dual Fully IntegratedH2875-001 | Dual-Eligible | $0 |
| Humana Dual QMB OnlyH2875-002 | Dual-Eligible | $0 |
| Humana Dual SelectH2875-006 | Dual-Eligible | $0 |
| Anthem Dual Advantage PlusH4694-002 | Dual-Eligible | $0 |
| Anthem Full Dual Advantage SupportH4694-003 | Dual-Eligible | $0 |
| Anthem Full Dual AdvantageH4694-004 | Dual-Eligible | $0 |
| Humana Together in HealthH5216-362 | Institutional | $0 |
| Humana Together in HealthH7617-131 | Institutional | $0 |
| Humana DaVita Kidney CareH7617-134 | Chronic or Disabling Condition | $0 |
| UHC Dual Complete VA-Y4H0421-001 | Dual-Eligible | $6.30 |
| Senior CareH2185-001 | Institutional | $6.30 |
| Sentara Community Complete SelectH2563-020 | Dual-Eligible | $6.30 |
| Sentara Community CompleteH4499-001 | Dual-Eligible | $6.30 |
| Humana Gold Plus: Diabetes and HeartH6622-084 | Chronic or Disabling Condition | $13 |
| Humana Gold Plus: Diabetes and HeartH5619-145 | Chronic or Disabling Condition | $31 |
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 Culpeper use Medicare Advantage?
3,907 of the county's 11,911 people with Medicare were in a Medicare Advantage plan in September 2026, 32.8%; in Virginia as a whole the share is 39.6%.
Source: CMS Medicare Advantage state and county penetration, September 2026.
What else should you check?
- Medicare Advantage in VirginiaEvery county of the state
- 9 stand-alone drug plans in VirginiaIf you keep Original Medicare
- Is your plan ending?Every plan not offered in 2027