Plan year 2027 · Medicare AdvantageCMS files of Sept. 22 and Oct. 1, 2026
UPMC for Life HMO No Rx, 2027
H3907Contract002Plan
HMO · 65 counties in Ohio, Pennsylvania
Run by UPMC Health Plan, Inc. (contract H3907), sold as UPMC for Life, owned by UPMC Health System
UPMC for Life HMO No Rx (H3907-002) costs $0 a month in 2027, the same as in 2026, with an in-network out-of-pocket limit of $6,500 ($6,000 in 2026).
What changes from 2026 to 2027?
| What you pay or get | 2026 | 2027 | Change |
|---|---|---|---|
| In-network out-of-pocket limit | $6,000 | $6,500 | ▲up $500 |
| Part B premium reduction, monthly | $125 | $140 | ▲up $15 |
| Specialist visit | $25 copay | $40 copay | ▲up $15 |
| Counties served | 58 | 65 | ▲up 7 |
| 11 lines do not change | |||
| Monthly premium | $0 | $0 | no change |
| Primary care visit | $0 copay | $0 copay | no change |
| Emergency room | $130 copay | $130 copay | no change |
| Medical deductible, in network | none | none | no change |
| Hospital stay, in network | $495 a stay | $495 a stay | no change |
| Skilled nursing facility, in network | $0 a day for days 1–20, then $80 a day for days 21–100 | $0 a day for days 1–20, then $80 a day for days 21–100 | no change |
| Ground ambulance, in network | $50 copay | $50 copay | no change |
| Comprehensive dental, yearly limit | $3,000 a year | $3,000 a year | no change |
| Eyewear, yearly limit | $200 a year | $200 a year | no change |
| Hearing aids, yearly limit for both ears | not offered | not offered | no change |
| Over-the-counter items, yearly | not offered | not offered | 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.
How does it compare with plans sold where it is?
In the counties it serves, 238 plans open to everyone are sold for 2027, this one included. Against the others, 84 plans have a lower out-of-pocket limit, 8 the same, 145 a higher one. On the premium, 133 the same, 104 a higher one.
Out-of-pocket limits of the 238 plans open to everyone
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 65 counties: $0 a month and $6,500.
Ohio
Pennsylvania
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).
Who runs this plan?
- Plan ID
- H3907-002
- Legal name of the contract
- UPMC Health Plan, Inc.
- Sold as
- UPMC for Life
- Parent company
- UPMC Health System
- Plan type
- HMO
- 2026 star rating of the contract
- 4.5 of 5 overall; health plan 4.5 of 5, drug plan 5 of 5
- Members, September 2026
- 7,401
- Plan website, as filed with CMS
- https://www.upmchealthplan.com/medicare/
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 Allegheny, PAWhere most of its members live; premiums and limits side by side
- Every UPMC for Life plan for 2027Its contracts, counties and plans that end
- The other 9 plans of contract H3907Same 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.