Medicare Advantage
HealthSpring Medicare Advantage in Alabama for 2027: 18 Plans, County by County
MONTGOMERY, Ala. — For the 2027 plan year, HealthSpring Medicare Advantage will offer 18 plans across Alabama, according to the Centers for Medicare & Medicaid Services (CMS) Landscape Source Files. The lineup includes a mix of HMO and PPO options and several Special Needs Plans, with every plan sold county by county — so a plan listed statewide may not be sold in the county where a reader actually lives. This article is published by an independent Medicare education site; it is privately owned, not the government, and not affiliated with any insurance carrier.
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Key takeaways
- HealthSpring lists 18 Medicare Advantage plans statewide in Alabama for 2027, including 17 HMOs and 1 PPO.
- Six of HealthSpring's 2027 Alabama plans are Special Needs Plans — 4 D-SNPs and 2 C-SNPs — and 17 of the 18 include drug coverage.
- Five HealthSpring plans are new for 2027 in Alabama; the count of plans not returning is not available from CMS, so none is stated here.
- The Annual Enrollment Period runs October 15 – December 7, 2026, and the choice you make takes effect January 1, 2027.
| 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.
What does HealthSpring Medicare Advantage offer in Alabama for 2027?
HealthSpring Medicare Advantage lists 18 plans across Alabama for 2027: 17 HMO plans and 1 PPO plan, per the CMS MA Landscape Source File. Of those 18, 17 include Part D prescription drug coverage and one does not. CMS lists these plans under the parent organization Health Care Service Corporation (HCSC), but they are marketed as HealthSpring plans.
Among the 18, there are 6 Special Needs Plans designed for people who meet specific eligibility rules: 4 Dual Eligible Special Needs Plans (D-SNPs) for people who have both Medicare and Medicaid, and 2 Chronic Condition Special Needs Plans (C-SNPs) for people with qualifying chronic conditions. HealthSpring lists no Institutional SNPs (I-SNPs) in Alabama for 2027.
HealthSpring is one of 8 carriers offering Medicare Advantage in Alabama for 2027; across all carriers, there are 113 MA plans statewide. The full plan-by-plan list on this page shows each HealthSpring plan and how many counties it reaches.
Which HealthSpring plans reach the most Alabama counties in 2027?
In Alabama for 2027, the HealthSpring plan listed in the most counties is HealthSpring Courage (HMO), offered in 29 counties, followed by HealthSpring True Choice (PPO) in 27 counties, per the CMS MA Landscape Source File.
Also with broad county reach: HealthSpring TotalCare (HMO D-SNP) and HealthSpring TotalCare Plus (HMO D-SNP) are each listed in 24 counties. The HealthSpring Achieve (HMO C-SNP) is listed in 12 counties, and several HealthSpring Preferred (HMO) and Preferred Plus (HMO) variants are listed in service areas ranging from 2 to 13 counties. The table on this page shows the exact county count beside each plan name. Because availability is set county by county, the only way to confirm a specific plan is sold where you live is to check your county.
What is new or not returning for HealthSpring in Alabama for 2027?
HealthSpring lists 5 new plans for 2027 in Alabama, according to CMS Landscape files. The count of HealthSpring plans not returning for 2027 is not available in the files used here, so none is stated.
The new-for-2027 plans are HealthSpring Achieve Savings (HMO C-SNP) and four HealthSpring TotalCare and TotalCare Plus (HMO D-SNP) entries. CMS also flags renames: the plans now called HealthSpring Preferred Extra Savings (HMO) were previously listed as HealthSpring Preferred Full Savings (HMO). A rename is a paperwork change; it is not a statement about what the plan covers. If you are already in a HealthSpring plan, read the Annual Notice of Change (ANOC) your plan mails each fall to see what, if anything, is changing for you in 2027.
How do I check whether a HealthSpring plan is offered in my Alabama county and covers my doctor and prescriptions?
To confirm whether a specific HealthSpring plan is sold in your Alabama county for 2027 and whether it covers your doctors and medications, use the Medicare Plan Finder at medicare.gov or call 1-800-MEDICARE (TTY 1-877-486-2048), which is open 24 hours a day, 7 days a week.
Enter your ZIP code and county, then enter each prescription (name, dose, how often) and your preferred pharmacy. Medicare's tool will show you which HealthSpring plans serve that county, whether each one includes drug coverage, and the plan documents to review. For in-network doctors, hospitals and specialists, check the plan's own provider directory and Evidence of Coverage, since networks are set by the plan, not by CMS or by this site. If you take a specific medication, confirm it appears on that plan's formulary before you enroll.
What should Alabama Medicare beneficiaries do before December 7, 2026?
Before December 7, 2026, Alabama beneficiaries should decide whether to keep their current Medicare coverage or switch, because that is the last day of the Annual Enrollment Period for coverage starting January 1, 2027.
A short checklist:
- Read the ANOC your current plan sent in September 2026.
- Make a list of your doctors, hospitals and prescriptions.
- Use the Medicare Plan Finder at medicare.gov to compare plans offered in your county.
- If you qualify based on Medicaid or a chronic condition, look at whether a D-SNP or C-SNP fits your situation.
- Confirm enrollment directly with Medicare or the plan, and keep the confirmation number.
The date is the date; there is no reason to rush past your own questions to beat it.
Where can Alabama residents get free help with Medicare questions for 2027?
Alabama residents can get free, official Medicare help by calling 1-800-MEDICARE (TTY 1-877-486-2048), available 24/7, or by using the tools at medicare.gov, including the Medicare Plan Finder and plan comparison features.
The Social Security Administration (ssa.gov or 1-800-772-1213) handles Medicare enrollment and the Extra Help program for prescription costs. For plan-specific questions — what a plan covers, who is in network, what a drug will cost — the plan's own member services line and Evidence of Coverage are the authoritative sources.
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.
2027 plan lineup
HealthSpring Medicare Advantage plans in Alabama for 2027
CMS lists 18 HealthSpring Medicare Advantage plans across Alabama for 2027, alphabetically by carrier, widest county reach first. 7 other carriers also offer plans there.
| Plan | Type | Drug coverage | Counties |
|---|---|---|---|
| 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 |
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.
The 2027 choices, by type
How HealthSpring Medicare Advantage plans across Alabama break down for 2027
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.
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Frequently asked questions
How many HealthSpring Medicare Advantage plans are offered in Alabama for 2027?
Does being listed statewide mean a plan is sold in my county?
When do I need to make a decision for 2027 coverage?
Is this website HealthSpring or Medicare?
- 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 — MA Landscape Source File (CY2027): HealthSpring's Alabama plan list, plan types, SNP designations, drug-coverage flags and county counts.
- CMS — MA Landscape Source Files (CY2026 and CY2027): year-over-year comparison, including new-for-2027 plans and renames.
- Medicare.gov — Medicare enrollment periods: the Annual Enrollment Period dates (October 15 – December 7, 2026) and January 1, 2027 effective date.
- Medicare.gov — Medicare Plan Finder: county-level availability, formulary and provider lookups.
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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- No invented figures. Program-level numbers come from CMS / Medicare.gov; we never use placeholder data.
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This page was last updated: October 2026.