Plan year 2027 · Medicare AdvantageCMS files of Sept. 22 and Oct. 1, 2026
UHC Dual Complete VA-YL, 2027
H2445Contract001Plan
HMO-POS D-SNP · special needs plan, dual-eligible · 133 counties in Virginia
Run by UnitedHealthcare of the Mid-Atlantic, Inc. (contract H2445), sold as UnitedHealthcare, owned by UnitedHealth Group, Inc.
UHC Dual Complete VA-YL (H2445-001) costs $0 a month in 2027, down $10.60 from 2026, with an in-network out-of-pocket limit of $9,850 ($9,250 in 2026). In 2026 it was called UHC Dual Complete VA-Y001. It takes in the members of H2445-003, H2445-005.
What changes from 2026 to 2027?
| What you pay or get | 2026 | 2027 | Change |
|---|---|---|---|
| Plan name | UHC Dual Complete VA-Y001 | UHC Dual Complete VA-YL | renamed |
| Monthly premium | $10.60 | $0 | ▼down $10.60 |
| In-network out-of-pocket limit | $9,250 | $9,850 | ▲up $600 |
| Drug deductible | $615 | $700 | ▲up $85 |
| Part B premium reduction, monthly | $0.40 | none | ▼dropped |
| Primary care visit | 0% of the cost | $0 copay | changed |
| Specialist visit | 0% of the cost | $0 copay | changed |
| Hospital stay, in network | $1,780 a stay | $150 a stay | ▼down $1,630for a 5-day stay |
| Hearing aids, yearly limit for both ears | $1,600 a year | $1,100 a year | ▼down $500 |
| Counties served | 132 | 133 | ▲up 1 |
| Drug tier 2, generic | 25% of the cost | $2 | changed |
| 11 lines do not change | |||
| Emergency room | $115 copay | $115 copay | no change |
| Medical deductible, in network | none | none | no change |
| Skilled nursing facility, in network | not filed | not filed | no change |
| Ground ambulance, in network | 20% of the cost | 20% of the cost | no change |
| Comprehensive dental, yearly limit | not offered | not offered | no change |
| Eyewear, yearly limit | $300 a year | $300 a year | no change |
| Over-the-counter items, yearly | not offered | not offered | no change |
| Drug tier 1, preferred generic | $0 | $0 | no change |
| Drug tier 3, preferred brand | 25% of the cost | 25% of the cost | no change |
| Drug tier 4, non-preferred drug | 25% of the cost | 25% of the cost | no change |
| Drug tier 5, specialty tier | 25% of the cost | 25% of the cost | no change |
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; CMS plan crosswalk from 2026 to 2027 (Oct. 1, 2026). Plan details can change during the year; confirm on Medicare Plan Finder.
What will prescriptions cost?
| Tier | What the tier holds | 2026 | 2027 |
|---|---|---|---|
| Tier 1 | Preferred Generic | $0 | $0 |
| Tier 2 | Generic | 25% of the cost | $2 |
| Tier 3 | Preferred Brand | 25% of the cost | 25% of the cost |
| Tier 4 | Non-Preferred Drug | 25% of the cost | 25% of the cost |
| Tier 5 | Specialty Tier | 25% of the cost | 25% of the cost |
Source: CMS plan benefit package files, 2027 and 2026. Insulin is capped at $35 a month by law. A drug's tier is set by the plan's formulary.
How does it compare with plans sold where it is?
In the counties it serves, 18 dual-eligible special needs plans are sold for 2027, this one included. Against the others, 1 plan has a lower out-of-pocket limit, 16 the same. On the premium, 14 the same, 3 a higher one.
Out-of-pocket limits of the 18 dual-eligible special needs plans
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).
Where is it sold, and what does it cost there?
The premium and the out-of-pocket limit are the same in all 133 counties: $0 a month and $9,850.
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).
Which 2026 plans move into it, and what changes for their members?
For 2027 this plan takes in the members of 2 other plans, beside its own 3,525 members. In 2027 it costs $0 a month with a $9,850 limit; each row compares that with the plan its members had in 2026.
| 2026 plan | Members, Sept. 2026 | Members who move | Premium 2026 | Premium change | Limit 2026 | Limit change |
|---|---|---|---|---|---|---|
| UHC Dual Complete VA-Y002H2445-003 | 21,171 | 21,110 | $24.60 | ▼down $24.60 | $9,250 | ▲up $600 |
| UHC Dual Complete VA-Y3H2445-005 | 3,753 | 3,504 | $3.80 | ▼down $3.80 | $9,250 | ▲up $600 |
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). Each moving plan's own page lists every line that changes for its members.
Who runs this plan?
- Plan ID
- H2445-001
- Legal name of the contract
- UnitedHealthcare of the Mid-Atlantic, Inc.
- Sold as
- UnitedHealthcare
- Parent company
- UnitedHealth Group, Inc.
- Plan type
- HMO-POS D-SNP
- 2026 star rating of the contract
- not rated (too new) overall; health plan not rated, drug plan not rated
- Members, September 2026
- 3,525
- Plan website, as filed with CMS
- UHC.com/CommunityPlan
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision); CMS 2026 Star Ratings (October 2025); CMS monthly enrollment by plan and by county, September 2026 (CMS hides counts under 11). CMS publishes the 2027 Star Ratings in October 2026.
What else should you check?
- Other 2027 plans in Fairfax, VAWhere most of its members live; premiums and limits side by side
- Every UnitedHealthcare plan for 2027Its contracts, counties and plans that end
- The other 3 plans of contract H2445Same company, same contract
- Is your prescription covered?Coverage share and tier for 2,259 drugs
Data, not advice. These are the plan's filed amounts, not a quote for you; confirm on Medicare Plan Finder or call the plan before you enroll.