Medicare Advantage plans in McDowell, WV, 2027
McDowell, West Virginia has 36 Medicare Advantage plans open to everyone for 2027 (36 in 2026) and 15 special needs plans, according to the CMS landscape files; 22 of the open plans have a $0 premium. 2 plans that served the county in 2026 end or leave it, each with fewer than 11 members living here (CMS hides smaller counts).
What changes in McDowell for 2027?
| In the county | 2026 | 2027 | Change |
|---|---|---|---|
| Plans open to everyone | 36 | 36 | no change |
| Special needs plans | 11 | 15 | ▲up 4 |
| Plans with a $0 premium | 25 | 22 | ▼down 3 |
| Plans that lower the Part B premium | 15 | 11 | ▼down 4 |
| Median out-of-pocket limit | $6,900 | $7,150 | ▲up $250 |
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 McDowell join?
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| HumanaChoiceR0110-007 · Regional PPO | $0 | $4,750 | none | 3.5 of 5 |
| Freedom Blue PPO ValorH5106-038 · PPO | $0 | $6,000 | $75 | 3.5 of 5 |
| Humana USAA Honor GivebackH5216-225 · PPO | $0 | $6,500 | $110 | 3.5 of 5 |
| Aetna Medicare Advantra Eagle PlusH1692-006 · HMO | $0 | $6,900 | $150 | 3.5 of 5 |
| The Health Plan SecureChoice OptimumH8604-014 · PPO | $0 | $7,000 | none | 3.5 of 5 |
| Aetna Medicare Advantra SignatureH1692-002 · HMO | $0 | $7,150 | none | 3.5 of 5 |
| AARP Medicare Advantage from UHC WV-5H4604-033 · HMO-POS | $0 | $7,150 | none | 4 of 5 |
| Complete Blue PPO SignatureH5106-030 · PPO | $0 | $7,150 | none | 3.5 of 5 |
| AARP Medicare Advantage from UHC WV-0003H8211-006 · PPO | $0 | $7,150 | none | 3 of 5 |
| The Health Plan SecureCare Integrity Plan 1H3672-021 · HMO | $0 | $7,500 | $15 | 3.5 of 5 |
| Peak Advantage VistaH8947-001 · PPO | $0 | $7,500 | none | 4.5 of 5 |
| Humana USAA Honor GivebackH5216-442 · PPO | $0 | $9,150 | $170 | 3.5 of 5 |
| Wellpoint Medicare AdvantageH1212-003 · HMO-POS | $0 | $9,250 | none | not rated (too new) |
| Aetna Medicare Advantra Classic GivebackH1608-031 · PPO | $0 | $9,250 | $33 | 4 of 5 |
| Aetna Medicare Advantra Signature GivebackH5521-729 · PPO | $0 | $9,250 | $33 | 4.5 of 5 |
| AARP Medicare Advantage Patriot No Rx WV-MA2H4604-036 · HMO-POS | $0 | $9,300 | $170 | 4 of 5 |
| Aetna Medicare Advantra Signature ClassicH1608-040 · PPO | $0 | $9,850 | none | 4 of 5 |
| Humana Value ChoiceH5216-327 · PPO | $0 | $9,850 | none | 3.5 of 5 |
| HumanaChoice GivebackH5216-328 · PPO | $0 | $9,850 | $115 | 3.5 of 5 |
| Humana Essentials Plus GivebackH7617-065 · PPO | $0 | $9,850 | $115 | 4.5 of 5 |
Show the other 16 plans, by premium
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| Humana Gold ChoiceH8145-052 · PFFS | $0 | $9,850 | none | 3.5 of 5 |
| AARP Medicare Advantage Patriot No Rx WV-MA01H8211-005 · PPO | $0 | $9,850 | $110 | 3 of 5 |
| The Health Plan SecureCare: Option IIH3672-020 · HMO | $13 | $7,500 | none | 3.5 of 5 |
| Peak Advantage SummitH8947-002 · PPO | $25 | $6,750 | none | 4.5 of 5 |
| HumanaChoiceH5216-425 · PPO | $29 | $7,600 | none | 3.5 of 5 |
| Aetna Medicare Advantra Enhanced ClassicH1608-027 · PPO | $31 | $7,150 | none | 4 of 5 |
| Aetna Medicare Advantra EnhancedH5521-727 · PPO | $31 | $7,150 | none | 4.5 of 5 |
| AARP Medicare Advantage from UHC WV-0004H8211-011 · PPO | $51 | $7,150 | none | 3 of 5 |
| Complete Blue PPO DistinctH5106-029 · PPO | $60 | $6,750 | none | 3.5 of 5 |
| The Health Plan SecureChoice RelianceH8604-015 · PPO | $67 | $7,000 | none | 3.5 of 5 |
| HumanaChoiceR0110-008 · Regional PPO | $75 | $7,150 | none | 3.5 of 5 |
| AARP Medicare Advantage from UHC WV-0001H8211-001 · PPO | $85 | $7,150 | none | 3 of 5 |
| Aetna Medicare Premier ClassicH1608-085 · PPO | $109 | $9,850 | none | 4 of 5 |
| Aetna Medicare PremierH5521-728 · PPO | $109 | $9,850 | none | 4.5 of 5 |
| Humana Full AccessH5216-124 · PPO | $121 | $7,150 | none | 3.5 of 5 |
| Freedom Blue PPO StandardH5106-034 · PPO | $152 | $6,500 | 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 McDowell 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 |
|---|---|---|
| Complete Blue PPO MeritH5106-037 | fewer than 11 | Not offered |
| Humana Together in HealthH5216-447 | 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 |
|---|---|---|
| Wellpoint Dual AdvantageH1212-002 | Dual-Eligible | $0 |
| UHC Complete Care WV-7H4604-037 | Chronic or Disabling Condition | $0 |
| Wellpoint Full Dual AdvantageH1212-001 | Dual-Eligible | $0 |
| Aetna Medicare Full DualH1692-005 | Dual-Eligible | $0 |
| Aetna Medicare Partial DualH1692-010 | Dual-Eligible | $0 |
| Aetna Medicare Full Dual ExtraH1692-011 | Dual-Eligible | $0 |
| UHC Dual Complete WV-Q1H2001-030 | Dual-Eligible | $0 |
| UHC Dual Complete WV-S2H2001-082 | Dual-Eligible | $0 |
| HumanaChoice SNP-DEH5216-220 | Dual-Eligible | $0 |
| Humana Together in HealthH7617-139 | Institutional | $0 |
| UHC Dual Advantage WV-V1H2001-061 | Dual-Eligible | $12.80 |
| The Health Plan SecureCare SNPH3672-019 | Dual-Eligible | $12.80 |
| CommuniCare Advantage ISNPH3727-007 | Institutional | $12.80 |
| Highmark Health Options DualsH6224-001 | Dual-Eligible | $12.80 |
| WV Senior AdvantageH9153-001 | Institutional | $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 McDowell use Medicare Advantage?
3,492 of the county's 5,194 people with Medicare were in a Medicare Advantage plan in September 2026, 67.2%; in West Virginia as a whole the share is 56.6%.
Source: CMS Medicare Advantage state and county penetration, September 2026.
What else should you check?
- Medicare Advantage in West VirginiaEvery county of the state
- 8 stand-alone drug plans in West VirginiaIf you keep Original Medicare
- Is your plan ending?Every plan not offered in 2027