Medicare Advantage
Compare 113 Alabama Medicare Advantage Plans for 2027 From 8 Carriers
MONTGOMERY, Ala. — Alabamians who want to review their Medicare Advantage coverage for 2027 have a defined window and a defined menu. According to the CMS Medicare Advantage Landscape Source Files for CY2027, 113 Medicare Advantage plans will be offered somewhere in Alabama next year, spread across 8 carriers. The Annual Enrollment Period runs October 15 through December 7, 2026, and a choice made during that window takes effect January 1, 2027.
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Key takeaways
- Alabama will have 113 Medicare Advantage plans for 2027 from 8 carriers, with 25 new plans and 10 not returning.
- Of the 113 plans, 104 include drug coverage, and the Special Needs lineup includes 28 D-SNP, 17 C-SNP, and 3 I-SNP plans.
- The Annual Enrollment Period runs October 15 through December 7, 2026, for coverage that begins January 1, 2027.
- Compare the plans offered in your own county using the Medicare Plan Finder and your plan's Annual Notice of Change.
| Fact | Figure | Source |
|---|---|---|
| Part B standard monthly premium (2026) | $202.90 | Medicare.gov |
| Part D out-of-pocket cap (2026) | $2,100 | CMS |
| Part D out-of-pocket cap (2027) | $2,400 | CMS |
| Annual Enrollment Period (for 2027 coverage) | October 15 – December 7, 2026 | Medicare.gov |
| Medicare Advantage Open Enrollment Period | January 1 – March 31 | Medicare.gov |
Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.
Availability in Alabama is set county by county. A plan listed on the statewide roster may or may not be sold in your ZIP code, which is why the comparison that matters is the one you do for your own address on the Medicare Plan Finder at medicare.gov.
How many Medicare Advantage plans are offered in Alabama for 2027?
Alabama will have 113 Medicare Advantage plans available somewhere in the state for 2027, drawn from 8 carriers, per the CMS MA Landscape Source Files for CY2027. Of those 113, 104 include Part D prescription drug coverage. The 2027 lineup also reflects turnover from the 2026 lineup: 25 plans are new for 2027, and 10 plans from 2026 are not returning.
Because Medicare Advantage is sold county by county, the statewide total is the ceiling, not the choice set for any one household. A resident of Mobile County, Madison County, or Jefferson County will see a different list than the statewide 113. The exact plans available at a given address appear on the Medicare Plan Finder.
What plan types and Special Needs Plans are available in Alabama for 2027?
The 113 Alabama plans for 2027 break down by type as 46 HMO, 13 HMO-POS, and 54 PPO. On the Special Needs Plan side, Alabama's 2027 lineup includes 28 Dual Eligible Special Needs Plans (D-SNP), 17 Chronic Condition Special Needs Plans (C-SNP), and 3 Institutional Special Needs Plans (I-SNP).
Plan type matters because it shapes how you use the plan. HMO plans generally expect you to use an in-network provider; PPO plans typically allow out-of-network care at a different cost share; HMO-POS plans allow limited out-of-network use. Special Needs Plans are limited to people who meet specific eligibility rules — for example, having both Medicare and Medicaid (D-SNP), living with a qualifying chronic condition (C-SNP), or meeting an institutional level of care (I-SNP). Eligibility and rules for each plan are set in that plan's Evidence of Coverage.
Which carriers offer Medicare Advantage plans in Alabama for 2027?
Eight carriers are offering Medicare Advantage plans in Alabama for 2027. In alphabetical order with their statewide plan counts: Aetna (CVS Health) with 11 plans; Blue Cross and Blue Shield of Alabama with 3 plans; Devoted Health with 33 plans; HealthSpring with 18 plans; Humana with 20 plans; Simpra Advantage with 3 plans; UnitedHealthcare with 16 plans; and VIVA Medicare with 9 plans.
A carrier appearing on the statewide list does not guarantee the carrier sells a plan in your county. Blue Cross and Blue Shield of Alabama offers PPO plans; VIVA Medicare offers HMO plans; UnitedHealthcare offers HMO-POS and PPO plans; the others mix HMO and PPO. The full carrier and plan tables are rendered on this page from the CMS data.
How do I compare the Medicare Advantage plans in my own Alabama county for 2027?
The practical comparison for a 2027 plan happens in your county on the Medicare Plan Finder at medicare.gov, using your own doctors, hospitals, prescriptions and pharmacies. Here is a step-by-step way to do it before December 7, 2026:
1. Read your Annual Notice of Change (ANOC). If you are already in a Medicare Advantage or Part D plan, the carrier mails the ANOC in the fall. It spells out what is changing for 2027 — premium, deductible, copays, drug tier placement, network and extra benefits. 2. Make three lists: your doctors and hospitals; your prescriptions with exact dose and frequency; and the pharmacies you actually use. 3. Go to medicare.gov and open the Plan Finder. Enter your ZIP code and county. The tool will show only the 2027 plans available at your address. 4. Enter your drugs and preferred pharmacies. The Plan Finder will show estimated yearly drug costs by plan. 5. For each plan you shortlist, check the carrier's provider directory to confirm your doctors and hospitals are in-network for that specific plan — not just for the carrier in general. 6. Open the plan's Summary of Benefits and Evidence of Coverage for details the Plan Finder summarizes: referrals, prior authorization, out-of-network rules, and extra benefits. 7. Call 1-800-MEDICARE or the plan directly with any question you cannot resolve from the written documents.
What should I do before December 7, 2026, if I have Medicare in Alabama?
Before December 7, 2026, Alabamians with Medicare should decide whether to keep current coverage, change Medicare Advantage plans, switch between Original Medicare and Medicare Advantage, or add or change a Part D drug plan — and submit any change through medicare.gov or the plan. A choice made during the October 15 – December 7, 2026 window takes effect January 1, 2027.
If you take no action, your current plan generally rolls over into its 2027 version as described in your ANOC — unless your plan is one of the 10 not returning for 2027, in which case the carrier will send a non-renewal notice with your options.
Where can I get free help comparing Medicare plans in Alabama?
Free, official help is available year-round from Medicare itself. You can call 1-800-MEDICARE (1-800-633-4227), which is staffed 24 hours a day, seven days a week, and you can use the Medicare Plan Finder at medicare.gov to compare the 2027 plans available at your address. Both are run by the federal Medicare program and are not tied to any carrier.
This explainer is published by an independent Medicare education site. It is privately owned and is not the government, not affiliated with the government, and not affiliated with any insurance carrier.
By the numbers
Medicare Part B premium, 2006–2026
The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.
Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.
The 2027 choices, by type
HMO, PPO and Special Needs Plans across Alabama for 2027
- Aetna (CVS Health) 11 plans: HMO, PPO
- Blue Cross and Blue Shield of Alabama 3 plans: PPO
- Devoted Health 33 plans: HMO, PPO
- HealthSpring 18 plans: HMO, PPO
- Humana 20 plans: HMO, PPO
- Simpra Advantage 3 plans: PPO
- UnitedHealthcare 16 plans: HMO-POS, PPO
- VIVA Medicare 9 plans: HMO
HMO plans use a network and usually a primary-care doctor and referrals; HMO-POS plans add some out-of-network coverage; PPO plans also cover out-of-network care, at a higher share; PFFS plans pay any provider that accepts the plan’s terms. Special Needs Plans serve people with Medicare and Medicaid (D-SNP), certain chronic conditions (C-SNP) or living in an institution (I-SNP).
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plans are offered county by county; a plan listed for the state may not be offered in your county. No plan is ranked or recommended; premiums, benefits, networks and star ratings are not shown. Plan details come from the Medicare Plan Finder at medicare.gov or the plan itself.
2027 plan lineup
Medicare Advantage plans in Alabama for 2027
CMS lists 113 Medicare Advantage plans across Alabama for 2027 from 8 carriers, alphabetically by carrier, widest county reach first.
| Plan | Type | Drug coverage | Counties |
|---|---|---|---|
| Aetna (CVS Health) 11 plans | |||
| Aetna Medicare Dual Care (HMO D-SNP) | HMO D-SNP | Yes | 64 |
| Aetna Medicare Dual Extra Care (HMO D-SNP) | HMO D-SNP | Yes | 64 |
| Aetna Medicare Full Dual Care (HMO D-SNP) | HMO D-SNP | Yes | 64 |
| Aetna Medicare Signature Care (HMO) | HMO | Yes | 55 |
| Aetna Medicare Eagle Plus (PPO) | PPO | No | 19 |
| Aetna Medicare Signature Extra Care (HMO) | HMO | Yes | 19 |
| Aetna Medicare Value Plus (PPO) | PPO | Yes | 19 |
| Aetna Medicare Signature Plus (PPO) | PPO | Yes | 7 |
| Aetna Medicare Signature Plus (PPO) | PPO | Yes | 7 |
| Aetna Medicare Signature Giveback (PPO) | PPO | Yes | 5 |
| Aetna Medicare Signature Plus (PPO) | PPO | Yes | 5 |
| Blue Cross and Blue Shield of Alabama 3 plans | |||
| Blue Advantage Choice (PPO) | PPO | Yes | 67 |
| Blue Advantage Complete (PPO) | PPO | Yes | 60 |
| Blue Advantage Core (PPO) | PPO | Yes | 7 |
| Devoted Health 33 plans | |||
| DEVOTED CHOICE MA ONLY 007 AL (PPO) | PPO | No | 43 |
| DEVOTED GIVEBACK 002 AL (HMO) | HMO | Yes | 41 |
| DEVOTED C-SNP CHOICE 008 AL (PPO C-SNP) | PPO C-SNP | Yes | 34 |
| DEVOTED DUAL 004 AL (HMO D-SNP) | HMO D-SNP | Yes | 34 |
| DEVOTED DUAL PLUS 003 AL (HMO D-SNP) | HMO D-SNP | Yes | 34 |
| DEVOTED C-SNP CHOICE ENHANCED 009 AL (PPO C-SNP) | PPO C-SNP | Yes | 32 |
| DEVOTED C-SNP CHOICE PLUS 012 AL (PPO C-SNP) | PPO C-SNP | Yes | 32 |
| DEVOTED CHOICE 001 AL (PPO) | PPO | Yes | 32 |
| DEVOTED CHOICE GIVEBACK 005 AL (PPO) | PPO | Yes | 32 |
| DEVOTED CORE 001 AL (HMO) | HMO | Yes | 32 |
| DEVOTED DUAL CHOICE FULL 013 AL (PPO D-SNP) | PPO D-SNP | Yes | 32 |
| DEVOTED C-SNP CHOICE ENHANCED 013 AL (PPO C-SNP) | PPO C-SNP | Yes | 30 |
| DEVOTED C-SNP CHOICE GIVEBACK EXTRAS 017 AL (PPO C-SNP) | PPO C-SNP | Yes | 30 |
| DEVOTED C-SNP CHOICE PLUS 015 AL (PPO C-SNP) | PPO C-SNP | Yes | 30 |
| DEVOTED CHOICE 007 AL (PPO) | PPO | Yes | 30 |
| DEVOTED CHOICE GIVEBACK 009 AL (PPO) | PPO | Yes | 30 |
| DEVOTED CHOICE GIVEBACK EXTRAS 038 AL (PPO) | PPO | Yes | 30 |
| DEVOTED DUAL CHOICE FULL 011 AL (PPO D-SNP) | PPO D-SNP | Yes | 30 |
| DEVOTED C-SNP CHOICE ENHANCED 014 AL (PPO C-SNP) | PPO C-SNP | Yes | 14 |
| DEVOTED C-SNP CHOICE GIVEBACK EXTRAS 018 AL (PPO C-SNP) | PPO C-SNP | Yes | 14 |
| DEVOTED C-SNP CHOICE PLUS 016 AL (PPO C-SNP) | PPO C-SNP | Yes | 14 |
| DEVOTED CHOICE 008 AL (PPO) | PPO | Yes | 14 |
| DEVOTED CHOICE GIVEBACK 010 AL (PPO) | PPO | Yes | 14 |
| DEVOTED CHOICE GIVEBACK EXTRAS 039 AL (PPO) | PPO | Yes | 14 |
| DEVOTED DUAL CHOICE FULL 012 AL (PPO D-SNP) | PPO D-SNP | Yes | 14 |
| DEVOTED C-SNP CHOICE 010 AL (PPO C-SNP) | PPO C-SNP | Yes | 13 |
| DEVOTED DUAL 007 AL (HMO D-SNP) | HMO D-SNP | Yes | 13 |
| DEVOTED DUAL PLUS 006 AL (HMO D-SNP) | HMO D-SNP | Yes | 13 |
| DEVOTED C-SNP CHOICE ENHANCED 011 AL (PPO C-SNP) | PPO C-SNP | Yes | 11 |
| DEVOTED C-SNP CHOICE PLUS 015 AL (PPO C-SNP) | PPO C-SNP | Yes | 11 |
| DEVOTED CHOICE 002 AL (PPO) | PPO | Yes | 11 |
| DEVOTED CHOICE GIVEBACK 006 AL (PPO) | PPO | Yes | 11 |
| DEVOTED DUAL CHOICE FULL 014 AL (PPO D-SNP) | PPO D-SNP | Yes | 11 |
| HealthSpring 18 plans | |||
| HealthSpring Courage (HMO) | HMO | No | 29 |
| HealthSpring True Choice (PPO) | PPO | Yes | 27 |
| HealthSpring TotalCare (HMO D-SNP) | HMO D-SNP | Yes | 24 |
| HealthSpring TotalCare Plus (HMO D-SNP) | HMO D-SNP | Yes | 24 |
| HealthSpring Preferred (HMO) | HMO | Yes | 13 |
| HealthSpring Preferred Plus (HMO) | HMO | Yes | 13 |
| HealthSpring Achieve (HMO C-SNP) | HMO C-SNP | Yes | 12 |
| HealthSpring Preferred Extra Savings (HMO) | HMO | Yes | 12 |
| HealthSpring Preferred (HMO) | HMO | Yes | 9 |
| HealthSpring Preferred Plus (HMO) | HMO | Yes | 9 |
| HealthSpring Achieve Savings (HMO C-SNP) | HMO C-SNP | Yes | 5 |
| HealthSpring Preferred (HMO) | HMO | Yes | 5 |
| HealthSpring Preferred Plus (HMO) | HMO | Yes | 5 |
| HealthSpring TotalCare (HMO D-SNP) | HMO D-SNP | Yes | 5 |
| HealthSpring TotalCare Plus (HMO D-SNP) | HMO D-SNP | Yes | 5 |
| HealthSpring Preferred (HMO) | HMO | Yes | 2 |
| HealthSpring Preferred Extra Savings (HMO) | HMO | Yes | 2 |
| HealthSpring Preferred Plus (HMO) | HMO | Yes | 2 |
| Humana 20 plans | |||
| Humana Gold Plus H4461-078 (HMO) | HMO | Yes | 67 |
| Humana Gold Plus H4461-079 (HMO) | HMO | Yes | 67 |
| Humana Gold Plus H5619-089 (HMO) | HMO | Yes | 67 |
| Humana USAA Honor Giveback (HMO) | HMO | No | 67 |
| Humana USAA Honor Giveback (PPO) | PPO | No | 67 |
| HumanaChoice H5216-368 (PPO) | PPO | Yes | 67 |
| HumanaChoice H7617-090 (PPO) | PPO | Yes | 67 |
| HumanaChoice R0110-017 (Regional PPO) | PPO | No | 67 |
| HumanaChoice R0110-018 (Regional PPO) | PPO | Yes | 67 |
| HumanaChoice SNP-DE H5216-370 (PPO D-SNP) | PPO D-SNP | Yes | 67 |
| Humana Value Plus H5216-179 (PPO) | PPO | Yes | 65 |
| Humana Value Plus H7617-089 (PPO) | PPO | Yes | 65 |
| Humana Dual QMB Only (HMO D-SNP) | HMO D-SNP | Yes | 63 |
| Humana Dual Select H4461-077 (HMO D-SNP) | HMO D-SNP | Yes | 63 |
| Humana Dual Select H5619-093 (HMO D-SNP) | HMO D-SNP | Yes | 63 |
| Humana Gold Plus SNP-DE H4461-076 (HMO D-SNP) | HMO D-SNP | Yes | 63 |
| HumanaChoice H5216-269 (PPO) | PPO | Yes | 54 |
| HumanaChoice H7617-091 (PPO) | PPO | Yes | 54 |
| HumanaChoice H5216-466 (PPO) | PPO | Yes | 4 |
| Humana Gold Plus H4461-073 (HMO) | HMO | Yes | 1 |
| Simpra Advantage 3 plans | |||
| Simpra Advantage Assist (PPO I-SNP) | PPO I-SNP | Yes | 67 |
| Simpra Advantage Dual Care (PPO D-SNP) | PPO D-SNP | Yes | 67 |
| Simpra Advantage Nursing Home Plan (PPO I-SNP) | PPO I-SNP | Yes | 67 |
| UnitedHealthcare 16 plans | |||
| AARP Medicare Advantage Essentials from UHC AL-3 (HMO-POS) | HMO-POS | Yes | 66 |
| AARP Medicare Advantage Extras from UHC AL-7 (HMO-POS) | HMO-POS | Yes | 66 |
| AARP Medicare Advantage from UHC AL-0001 (HMO-POS) | HMO-POS | Yes | 66 |
| AARP Medicare Advantage from UHC AL-0002 (HMO-POS) | HMO-POS | Yes | 66 |
| AARP Medicare Advantage from UHC AL-6 (HMO-POS) | HMO-POS | Yes | 66 |
| AARP Medicare Advantage Patriot No Rx AL-MA01 (HMO-POS) | HMO-POS | No | 66 |
| AARP Medicare Advantage Patriot No Rx AL-MA2 (HMO-POS) | HMO-POS | No | 66 |
| UHC Complete Care AL-5 (HMO-POS C-SNP) | HMO-POS C-SNP | Yes | 66 |
| UHC Complete Care AL-8 (HMO-POS C-SNP) | HMO-POS C-SNP | Yes | 66 |
| UHC Dual Advantage AL-V2 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | 66 |
| UHC Dual Complete AL-Q1 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | 66 |
| UHC Dual Complete AL-Q2 (PPO D-SNP) | PPO D-SNP | Yes | 66 |
| UHC Dual Complete AL-Q3 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | 66 |
| UHC Dual Complete AL-S1 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | 66 |
| AARP Medicare Advantage from UHC AL-0004 (PPO) | PPO | Yes | 50 |
| UHC Nursing Home Plan EX-F001 (PPO I-SNP) | PPO I-SNP | Yes | 11 |
| VIVA Medicare 9 plans | |||
| VIVA Medicare Premier (HMO) | HMO | Yes | 40 |
| VIVA Medicare Select (HMO) | HMO | No | 40 |
| VIVA Medicare Healthy Lifestyles (HMO C-SNP) | HMO C-SNP | Yes | 34 |
| VIVA Medicare Extra Value (HMO D-SNP) | HMO D-SNP | Yes | 31 |
| VIVA Medicare Plus (HMO) | HMO | Yes | 18 |
| VIVA Medicare Plus (HMO) | HMO | Yes | 17 |
| VIVA Medicare Classic (HMO) | HMO | Yes | 5 |
| VIVA Medicare Extra Care (HMO D-SNP) | HMO D-SNP | Yes | 5 |
| VIVA Medicare Infirmary Health Advantage (HMO) | HMO | Yes | 2 |
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plans are offered county by county; a plan listed for the state may not be offered in your county. No plan is ranked or recommended; premiums, benefits, networks and star ratings are not shown. Plan details come from the Medicare Plan Finder at medicare.gov or the plan itself.
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Good to know
Frequently asked questions
How many Medicare Advantage plans will Alabama have in 2027?
Does every Alabama county get all 113 plans?
When is the Annual Enrollment Period for 2027 coverage?
What happens if my current plan is not returning for 2027?
- CMS — MA Landscape Source File (plan-level availability by county)
- CMS — MA Landscape Source Files, current and coming plan year (year-over-year comparison)
- CMS — Medicare enrollment periods (medicare.gov)
For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
Sources and methodology
- Medicare.gov, Medicare costs (Part B premium)
- CMS, Medicare prescription drug coverage (Part D) program rules
- CMS, Medicare Advantage and Part D plan-year announcements
- Medicare.gov, enrollment periods and plan rules
- CMS, Medicare Advantage and Part D Landscape Source Files
Figures cited in this article
- CMS — Medicare Advantage Landscape Source File (CY2027): Alabama plan counts, plan types, Special Needs Plan counts, drug-coverage count, and carrier plan counts.
- CMS — Medicare Advantage Landscape Source Files (CY2026 and CY2027): the year-over-year count of plans new for 2027 and plans not returning for 2027.
- Medicare.gov (CMS — Medicare enrollment periods): the October 15 – December 7, 2026 Annual Enrollment Period and the January 1, 2027 effective date.
- Medicare.gov — Medicare Plan Finder: the tool used to see which plans are offered in a specific Alabama county and to enter drugs and pharmacies.
How we put this together: area counts come from the CMS files listed above for the county that contains this city, program figures come from CMS, Medicare.gov and the Social Security Administration, and no plan is ranked or recommended.
By The Medicare Desk · Published . For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
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This page was last updated: October 2026.