Medicare Advantage plans in Whatcom, WA, 2027
Whatcom, Washington has 9 Medicare Advantage plans open to everyone for 2027 (20 in 2026) and 19 special needs plans, according to the CMS landscape files; 6 of the open plans have a $0 premium. 22 plans that served the county in 2026 end or leave it, with 16,435 members living here in September 2026.
What changes in Whatcom for 2027?
| In the county | 2026 | 2027 | Change |
|---|---|---|---|
| Plans open to everyone | 20 | 9 | ▼down 11 |
| Special needs plans | 25 | 19 | ▼down 6 |
| Plans with a $0 premium | 12 | 6 | ▼down 6 |
| Plans that lower the Part B premium | 7 | 5 | ▼down 2 |
| Median out-of-pocket limit | $6,650 | $7,150 | ▲up $500 |
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 Whatcom join?
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| Humana USAA Honor GivebackH5216-455 · PPO | $0 | $5,100 | $43 | 3.5 of 5 |
| Humana Total CompleteH5619-133 · HMO | $0 | $6,310 | none | 3 of 5 |
| AARP Medicare Advantage Patriot No RX WA-MA3H2001-148 · PPO | $0 | $7,150 | $140 | 4.5 of 5 |
| AARP Medicare Advantage Patriot No Rx WA-MA02H3805-035 · HMO-POS | $0 | $7,150 | $135 | 3.5 of 5 |
| Humana USAA Honor GivebackH5216-427 · PPO | $0 | $9,150 | $150 | 3.5 of 5 |
| Humana USAA Honor GivebackH7617-021 · PPO | $0 | $9,150 | $100 | 4.5 of 5 |
| AARP Medicare Advantage from UHC WA-18H2001-146 · PPO | $10 | $7,150 | none | 4.5 of 5 |
| HumanaChoiceH5216-048 · PPO | $97 | $7,000 | none | 3.5 of 5 |
| HumanaChoiceH7617-016 · PPO | $110 | $7,000 | 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 Whatcom 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.
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 |
|---|---|---|
| Humana Gold Plus: Diabetes and HeartH1036-306 | Chronic or Disabling Condition | $0 |
| UHC Dual Advantage WA-V1H5008-015 | Dual-Eligible | $0 |
| Wellcare Coordinated Care Dual Liberty SyncH0029-007 | Dual-Eligible | $0 |
| Wellcare Coordinated Care Dual AccessH0029-008 | Dual-Eligible | $0 |
| UHC Nursing Home Plan WA-F001H0710-031 | Institutional | $0 |
| UHC Dual Complete WA-S5H2001-051 | Dual-Eligible | $0 |
| UHC Dual Complete WA-Q1H2001-079 | Dual-Eligible | $0 |
| UHC Complete Care Support WA-1AH3805-049 | Chronic or Disabling Condition | $0 |
| UHC Dual Complete WA-S6H5008-002 | Dual-Eligible | $0 |
| UHC Dual Complete WA-Q2H5008-019 | Dual-Eligible | $0 |
| Humana Dual SelectH5619-165 | Dual-Eligible | $0 |
| Humana Dual SelectH5619-166 | Dual-Eligible | $0 |
| Humana Gold Plus SNP-DEH5619-167 | Dual-Eligible | $0 |
| UHC Care Advantage WA-E001H0710-030 | Institutional | $6.30 |
| UHC Dual Advantage WA-V2H2001-080 | Dual-Eligible | $6.30 |
| Molina Medicare Complete CareH5823-013 | Dual-Eligible | $6.30 |
| Community Health Plan of WA Dual CompleteH5826-014 | Dual-Eligible | $6.30 |
| Community Health Plan of WA Dual SelectH5826-017 | Dual-Eligible | $6.30 |
| Molina Medicare ElectH5823-015 | Dual-Eligible | $8.10 |
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 Whatcom use Medicare Advantage?
25,376 of the county's 54,441 people with Medicare were in a Medicare Advantage plan in September 2026, 46.6%; in Washington as a whole the share is 49.7%.
Source: CMS Medicare Advantage state and county penetration, September 2026.
What else should you check?
- Medicare Advantage in WashingtonEvery county of the state
- 8 stand-alone drug plans in WashingtonIf you keep Original Medicare
- Is your plan ending?Every plan not offered in 2027