Medicare Advantage plans in Fluvanna, VA, 2027
Fluvanna, Virginia has 22 Medicare Advantage plans open to everyone for 2027 (26 in 2026) and 22 special needs plans, according to the CMS landscape files; 17 of the open plans have a $0 premium. 6 plans that served the county in 2026 end or leave it, with 506 members living here in September 2026.
What changes in Fluvanna for 2027?
| In the county | 2026 | 2027 | Change |
|---|---|---|---|
| Plans open to everyone | 26 | 22 | ▼down 4 |
| Special needs plans | 21 | 22 | ▲up 1 |
| Plans with a $0 premium | 20 | 17 | ▼down 3 |
| Plans that lower the Part B premium | 11 | 7 | ▼down 4 |
| Median out-of-pocket limit | $8,700 | $9,575 | ▲up $875 |
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 Fluvanna join?
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| Anthem Medicare Advantage 3H3447-050 · HMO-POS | $0 | $5,850 | none | 3.5 of 5 |
| Aetna Medicare Eagle GivebackH5521-322 · PPO | $0 | $6,750 | $100 | 4.5 of 5 |
| Anthem VeteranH4909-020 · PPO | $0 | $6,800 | $80 | 3.5 of 5 |
| Humana Value ChoiceH7617-098 · PPO | $0 | $7,150 | none | 4.5 of 5 |
| Aetna Medicare SignatureH3931-101 · HMO-POS | $0 | $7,500 | none | 3 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 |
| Anthem Medicare Advantage 2H3447-025 · HMO-POS | $0 | $9,850 | none | 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 |
| HumanaChoiceH5216-408 · PPO | $0 | $9,850 | none | 3.5 of 5 |
| Humana Gold PlusH6622-085 · 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 AdvantageH4909-014 · PPO | $30 | $8,950 | none | 3.5 of 5 |
| Aetna Medicare Enhanced PlusH5521-721 · PPO | $48 | $7,500 | none | 4.5 of 5 |
| HumanaChoiceH7617-125 · PPO | $58 | $9,850 | none | 4.5 of 5 |
| Aetna Medicare PremierH5521-652 · PPO | $79 | $6,750 | 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 plans leave Fluvanna 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 |
|---|---|---|
| Humana Value ChoiceH5216-266 | 262 | Leaves the county |
| Humana Gold PlusH6622-083 | 82 | Leaves the county |
| Humana Essentials Plus GivebackH5216-308 | 80 | Leaves the county |
| Aetna Medicare Enhanced PlusH5521-084 | 37 | Leaves the county |
| Humana Total CompleteH6622-091 | 27 | Leaves the county |
| Aetna Medicare SignatureH5521-484 | 18 | 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 |
|---|---|---|
| UHC Dual Advantage VA-V1H2445-004 | Dual-Eligible | $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 |
| 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 Fluvanna use Medicare Advantage?
2,346 of the county's 7,411 people with Medicare were in a Medicare Advantage plan in September 2026, 31.7%; 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