Updated November 2026 for the 2027 plan year. Medicare Advantage (MA) plan choices are shrinking in much of the country for 2027. Of the 51 states and territories where Medicare Advantage plans are sold, 29 will have fewer plans in 2027 than in 2026, 21 will have more and 1 are unchanged, according to state fact sheets the Centers for Medicare & Medicaid Services (CMS) released in September 2026.
The table below shows, for every state, the number of Medicare Advantage plans for 2027 and 2026, the average monthly MA premium, the share of people with Medicare who can get a $0-premium MA plan, and the number of stand-alone Part D prescription drug plans. Medicare Open Enrollment runs from October 15 through December 7, 2026, and new coverage starts January 1, 2027.
Key Findings for 2027
- Biggest percentage cuts: Wyoming (14 to 8), Montana (32 to 23), Maryland (63 to 47), District of Columbia (20 to 15), Minnesota (68 to 53).
- Biggest gains: Tennessee (132 to 155), Missouri (157 to 174), Alabama (98 to 113), Arizona (133 to 148), Indiana (127 to 140).
- Most choices: Florida (560 plans), Texas (421 plans), California (394 plans), Pennsylvania (338 plans), New York (227 plans).
- Premiums: the average monthly MA premium rises in 19 states, though $0-premium plans remain available to nearly everyone with Medicare in most states.
- Quality: about 71% of Medicare Advantage drug plan enrollees are in contracts rated 4 stars or higher for 2027, and 15 contracts earned 5 stars (CMS 2027 Star Ratings fact sheet).
- Part D: the 2027 Part D base beneficiary premium is $41.33, up 6% from $38.99, the maximum increase allowed by law (CMS).
Medicare Advantage and Part D Plans by State, 2027
Plan counts are CMS figures for each state and include plans offered statewide or in part of the state. A plan sold in several states is counted in each one. Premiums are averages across MA plans and are not enrollment-weighted.
| State | People With Medicare | MA Plans 2027 | MA Plans 2026 | Change | Avg. MA Premium 2026 | Avg. MA Premium 2027 | Access to $0 MA Plan | Stand-Alone Part D Plans | Lowest Part D Premium |
|---|---|---|---|---|---|---|---|---|---|
| Alabama | 1,142,885 | 113 | 98 | +15 | $11.25 | $7.76 | 100% | 11 | $5.30 |
| Alaska | 124,028 | None listed | None listed | 9 | $5.30 | ||||
| Arizona | 1,560,534 | 148 | 133 | +15 | $4.47 | $2.81 | 100% | 9 | $5.30 |
| Arkansas | 692,771 | 84 | 91 | -7 | $2.12 | $1.47 | 100% | 11 | $5.30 |
| California | 7,243,867 | 394 | 402 | -8 | $13.77 | $14.12 | 99.64% | 10 | $5.30 |
| Colorado | 1,089,448 | 104 | 107 | -3 | $11.67 | $9.10 | 96.50% | 8 | $5.30 |
| Connecticut | 783,973 | 48 | 47 | +1 | $16.89 | $25.31 | 100% | 10 | $13.30 |
| Delaware | 258,215 | 38 | 37 | +1 | $15.69 | $14.33 | 100% | 9 | $5.30 |
| District of Columbia | 97,782 | 15 | 20 | -5 | $26.28 | $16.91 | 100% | 9 | $5.30 |
| Florida | 5,334,437 | 560 | 611 | -51 | $1.83 | $2.13 | 100% | 11 | $5.30 |
| Georgia | 2,029,629 | 161 | 166 | -5 | $6.55 | $2.99 | 100% | 9 | $5.30 |
| Hawaii | 316,532 | 46 | 44 | +2 | $53.44 | $53.04 | 100% | 8 | $10.30 |
| Idaho | 416,679 | 44 | 48 | -4 | $27.81 | $37.93 | 100% | 8 | $5.30 |
| Illinois | 2,487,731 | 136 | 157 | -21 | $8.49 | $7.11 | 100% | 10 | $5.30 |
| Indiana | 1,426,351 | 140 | 127 | +13 | $13.22 | $9.27 | 100% | 8 | $5.30 |
| Iowa | 709,170 | 64 | 63 | +1 | $13.20 | $11.21 | 100% | 9 | $5.30 |
| Kansas | 609,353 | 80 | 87 | -7 | $9.78 | $5.90 | 100% | 12 | $5.30 |
| Kentucky | 1,010,021 | 123 | 114 | +9 | $10.02 | $4.90 | 100% | 8 | $5.30 |
| Louisiana | 966,602 | 124 | 111 | +13 | $12.51 | $6.71 | 100% | 8 | $5.30 |
| Maine | 390,974 | 50 | 52 | -2 | $18.16 | $22.07 | 100% | 8 | $5.30 |
| Maryland | 1,199,172 | 47 | 63 | -16 | $23.39 | $23.82 | 100% | 9 | $5.30 |
| Massachusetts | 1,516,549 | 97 | 103 | -6 | $36.19 | $37.80 | 100% | 10 | $13.30 |
| Michigan | 2,324,309 | 181 | 192 | -11 | $14.88 | $16.21 | 100% | 11 | $5.30 |
| Minnesota | 1,206,148 | 53 | 68 | -15 | $69.11 | $59.40 | 96.58% | 9 | $5.30 |
| Mississippi | 657,224 | 102 | 93 | +9 | $11.18 | $4.08 | 100% | 9 | $5.30 |
| Missouri | 1,371,496 | 174 | 157 | +17 | $8.19 | $4.24 | 100% | 9 | $5.30 |
| Montana | 272,554 | 23 | 32 | -9 | $18.48 | $16.12 | 94.80% | 9 | $5.30 |
| Nebraska | 398,932 | 48 | 50 | -2 | $20.65 | $14.14 | 97.69% | 9 | $5.30 |
| Nevada | 629,551 | 98 | 105 | -7 | $1.09 | $0.56 | 99.08% | 9 | $5.30 |
| New Hampshire | 361,149 | 20 | 19 | +1 | $13.79 | $17.18 | 91.62% | 8 | $5.30 |
| New Jersey | 1,842,581 | 72 | 85 | -13 | $23.37 | $20.09 | 100% | 11 | $5.30 |
| New Mexico | 476,263 | 61 | 73 | -12 | $3.41 | $4.58 | 100% | 10 | $5.30 |
| New York | 4,054,716 | 227 | 218 | +9 | $36.19 | $30.79 | 100% | 9 | $37.30 |
| North Carolina | 2,322,851 | 179 | 175 | +4 | $12.49 | $6.19 | 100% | 11 | $5.30 |
| North Dakota | 154,162 | 17 | 21 | -4 | $46.26 | $41.44 | 72.81% | 9 | $5.30 |
| Ohio | 2,630,753 | 180 | 212 | -32 | $12.12 | $9.00 | 100% | 9 | $5.30 |
| Oklahoma | 829,592 | 81 | 82 | -1 | $11.75 | $8.06 | 100% | 9 | $5.30 |
| Oregon | 972,585 | 100 | 101 | -1 | $25.15 | $26.30 | 94.63% | 8 | $5.30 |
| Pennsylvania | 3,037,586 | 338 | 332 | +6 | $21.75 | $20.07 | 100% | 8 | $5.30 |
| Puerto Rico | 784,978 | 63 | 63 | 0 | $0.02 | $0 | 100% | 3 | $9.30 |
| Rhode Island | 252,591 | 22 | 23 | -1 | $34.50 | $37.64 | 100% | 10 | $13.30 |
| South Carolina | 1,285,904 | 97 | 95 | +2 | $9.39 | $3.98 | 100% | 8 | $5.30 |
| South Dakota | 206,509 | 22 | 19 | +3 | $54.87 | $56.04 | 90.09% | 9 | $5.30 |
| Tennessee | 1,528,522 | 155 | 132 | +23 | $12.52 | $11.73 | 100% | 11 | $5.30 |
| Texas | 5,017,127 | 421 | 423 | -2 | $3.94 | $4.27 | 100% | 10 | $5.30 |
| Utah | 490,235 | 51 | 55 | -4 | $9.59 | $9.16 | 99.79% | 8 | $5.30 |
| Vermont | 170,636 | 5 | 3 | +2 | $0 | $7.79 | 35.63% | 10 | $13.30 |
| Virginia | 1,756,307 | 148 | 143 | +5 | $8.80 | $6.67 | 100% | 9 | $5.30 |
| Washington | 1,583,566 | 120 | 126 | -6 | $17.39 | $22.75 | 100% | 8 | $5.30 |
| West Virginia | 457,400 | 70 | 69 | +1 | $13.21 | $15.36 | 100% | 8 | $5.30 |
| Wisconsin | 1,373,621 | 103 | 107 | -4 | $19.38 | $19.67 | 100% | 8 | $5.30 |
| Wyoming | 133,246 | 8 | 14 | -6 | $45.91 | $69.23 | 100% | 9 | $5.30 |
Alaska has no Medicare Advantage plans listed in the CMS fact sheet, so people with Medicare there rely on Original Medicare, Medigap and stand-alone Part D plans.
Why Plan Counts Are Falling
Insurers have pulled back on Medicare Advantage after several years of higher-than-expected medical costs. Some have left counties or whole states, and others have cut back on PPO plans or extra benefits. The Medicare Payment Advisory Commission (MedPAC) estimates Medicare will spend 14% more on Medicare Advantage enrollees in 2026 than it would if they were in traditional Medicare, about $76 billion, largely because of favorable selection and coding intensity (MedPAC, March 2026). Those payment debates shape what insurers are willing to offer. For carrier announcements, see our Medicare hub.
What To Do Before December 7
- Read your plan’s Annual Notice of Change, which lists 2027 changes to premiums, networks and drug coverage.
- If your plan is leaving your area, you have a special enrollment period to choose new coverage, and in many cases a guaranteed right to buy certain Medigap policies.
- Compare plans on the Medicare Plan Finder at Medicare.gov, entering your actual drugs and pharmacies.
- Check each plan’s star rating and its prior authorization rules; see our Prior Authorization Report Card.
- Get free, unbiased help from your State Health Insurance Assistance Program (SHIP).
Source
CMS, 2027 Medicare Advantage and Part D Landscape state fact sheets (September 28, 2026). Change and ranking figures are Health Plan News calculations from those fact sheets.