Plan year 2027 · Medicare AdvantageCMS files of Sept. 22 and Oct. 1, 2026

Alignment Health Smart 006, 2027

H5296Contract006Plan

HMO · 16 counties in North Carolina

Run by Alignment Health Plan of North Carolina, Inc. (contract H5296), sold as Alignment Health Plan, owned by Alignment Healthcare USA, LLC

Renews for 2027

2026 star rating, contract H5296: 5 of 5

Alignment Health Smart 006 (H5296-006) costs $0 a month in 2027, the same as in 2026, with an in-network out-of-pocket limit of $3,400. In 2026 it was called Alignment Health smartHMO.

What changes from 2026 to 2027?

The changed lines are marked and come first. In-network amounts; members keep paying the Part B premium unless the plan reduces it.
What you pay or get	2026	2027	Change
Plan name	Alignment Health smartHMO	Alignment Health Smart 006	renamed
Drug deductible	$615	$700	up $85
Part B premium reduction, monthly	$142	$119	down $23
20 lines do not change
Monthly premium	$0	$0	no change
In-network out-of-pocket limit	$3,400	$3,400	no change
Primary care visit	$0 copay	$0 copay	no change
Specialist visit	$30 copay	$30 copay	no change
Emergency room	$120 copay	$120 copay	no change
Medical deductible, in network	none	none	no change
Hospital stay, in network	$275 a day for days 1–6, then $0 a day for days 7–90	$275 a day for days 1–6, then $0 a day for days 7–90	no change
Skilled nursing facility, in network	$20 a day for days 1–20, then $100 a day for days 21–100	$20 a day for days 1–20, then $100 a day for days 21–100	no change
Ground ambulance, in network	$200 copay	$200 copay	no change
Comprehensive dental, yearly limit	not offered	not offered	no change
Eyewear, yearly limit	$50 a year	$50 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
Counties served	16	16	no change
Drug tier 1, preferred generic	$0	$0	no change
Drug tier 2, generic	$3	$3	no change
Drug tier 3, preferred brand	$45	$45	no change
Drug tier 4, non-preferred drug	40% of the cost	40% of the cost	no change
Drug tier 5, specialty tier	25% of the cost	25% of the cost	no change
Drug tier 6, select care drugs	$5	$5	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?

Your share for a 30-day supply at a retail pharmacy, as filed with CMS; tiers whose share changes are marked
Tier	What the tier holds	2026	2027
Tier 1	Preferred Generic	$0	$0
Tier 2	Generic	$3	$3
Tier 3	Preferred Brand	$45	$45
Tier 4	Non-Preferred Drug	40% of the cost	40% of the cost
Tier 5	Specialty Tier	25% of the cost	25% of the cost
Tier 6	Select Care Drugs	$5	$5

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, 84 plans open to everyone are sold for 2027, this one included. Against the others, 83 a higher one. On the premium, 66 the same, 17 a higher one.

Out-of-pocket limits of the 84 plans open to everyone

$0 to under $2,0000 plans

$2,000 to under $4,000 (this plan)4 plans

$4,000 to under $6,00029 plans

$6,000 to under $8,00017 plans

$8,000 to $10,00034 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 16 counties: $0 a month and $3,400.

North Carolina

Avery Buncombe Chatham Davidson Davie Forsyth Guilford Henderson Johnston Madison McDowell Mitchell Orange Transylvania Wake Wilkes

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: H5296-006
Legal name of the contract: Alignment Health Plan of North Carolina, Inc.
Sold as: Alignment Health Plan
Parent company: Alignment Healthcare USA, LLC
Plan type: HMO
2026 star rating of the contract: 5 of 5 overall; health plan 4.5 of 5, drug plan 4.5 of 5
Members, September 2026: 4,614
Plan website, as filed with CMS: www.alignmenthealthplan.com

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 Wake, NCWhere most of its members live; premiums and limits side by side
Every Alignment Health Plan plan for 2027Its contracts, counties and plans that end
The other 8 plans of contract H5296Same 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.