Medicare Advantage
25 New Medicare Advantage Plans in Alabama for 2027: The List
MONTGOMERY, Ala. — Alabama's Medicare Advantage menu grows again for 2027. According to the CMS Medicare Advantage Landscape Source Files for 2026 and 2027, 25 of the 113 Medicare Advantage plans offered in Alabama for 2027 are brand new — meaning they were not offered to Alabama residents for 2026. The new entries come from five carriers and span HMO, HMO-POS, PPO and several Special Needs Plan designs.
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Key takeaways
- 25 of the 113 Medicare Advantage plans offered in Alabama for 2027 are new, from Aetna (CVS Health), Devoted Health, HealthSpring, UnitedHealthcare and VIVA Medicare.
- A plan being new to Alabama does not mean it is sold in every county; availability is set county by county in the CMS Landscape file.
- New plans do not yet have a CMS Star Rating or a track record in Alabama, which is a fact about their age, not a judgment of quality.
- The Annual Enrollment Period runs October 15 – December 7, 2026, and a choice made during it 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.
The list below is statewide. A plan counted here is sold county by county, so a plan that is new to Alabama may or may not reach the county you live in.
How many Medicare Advantage plans are new in Alabama for 2027, and which carriers added them?
Twenty-five of the 113 Medicare Advantage plans offered in Alabama for 2027 are new for the year, according to the CMS Landscape Source Files. Five carriers account for all 25: Aetna (CVS Health) with 1 new plan, Devoted Health with 14, HealthSpring with 5, UnitedHealthcare with 4, and VIVA Medicare with 1.
Devoted Health's 14 new entries are the biggest single-carrier addition and include standard PPO plans, PPO Chronic-Condition SNPs (C-SNPs) and PPO Dual-Eligible SNPs (D-SNPs). HealthSpring's five new plans are HMO C-SNP and HMO D-SNP designs. UnitedHealthcare's four new plans use the HMO-POS structure, including a C-SNP and a D-SNP. Aetna (CVS Health) adds one HMO, and VIVA Medicare adds one HMO C-SNP. The full plan-by-plan list, with county reach for each, is rendered as a table on this page.
Which new Alabama Medicare Advantage plans for 2027 reach the most counties?
The widest county reach among the 25 new Alabama plans for 2027 belongs to four UnitedHealthcare entries — AARP Medicare Advantage Extras from UHC AL-7 (HMO-POS), AARP Medicare Advantage Patriot No Rx AL-MA2 (HMO-POS), UHC Complete Care AL-8 (HMO-POS C-SNP) and UHC Dual Complete AL-Q3 (HMO-POS D-SNP) — each listed in 66 Alabama counties.
VIVA Medicare Healthy Lifestyles (HMO C-SNP) is listed in 34 counties. Several Devoted Health plans — including DEVOTED CHOICE 007 AL (PPO), DEVOTED CHOICE GIVEBACK 009 AL (PPO), DEVOTED CHOICE GIVEBACK EXTRAS 038 AL (PPO), DEVOTED DUAL CHOICE FULL 011 AL (PPO D-SNP) and three Devoted PPO C-SNPs — reach 30 counties, while a parallel set of Devoted plans is listed in 14 counties. HealthSpring TotalCare and TotalCare Plus (HMO D-SNP) are listed in 24 counties, and HealthSpring Achieve Savings (HMO C-SNP) in 5. Aetna Medicare Signature Extra Care (HMO) is listed in 19 counties. County reach is one factor among several; the full set, with suffixes and plan types, appears in the on-page table.
What does it mean that a Medicare Advantage plan in Alabama is 'new' for 2027?
"New for 2027" in Alabama means the contract and plan ID combination appears in the CMS 2027 Landscape file but did not appear in the 2026 file for Alabama. As a factual consequence, a brand-new plan does not yet have a CMS Star Rating assigned to that plan ID, and it does not have a prior year of Alabama claims, formulary history or member experience to point to.
That is a statement about age, not about quality. The same carriers also offer plans that have been in Alabama for years and do carry Star Ratings. Readers comparing a new 2027 plan against a returning plan from the same carrier should treat the lack of a Star Rating as missing data to be filled in with questions, not as a positive or negative signal.
How do I check whether a new 2027 Alabama plan is offered in my county and covers my doctors and prescriptions?
To check county availability, doctors and prescriptions for any Alabama Medicare Advantage plan for 2027, use the Medicare Plan Finder at medicare.gov or call 1-800-MEDICARE (TTY 1-877-486-2048), available 24 hours a day, seven days a week. Enter your ZIP code and county, then your prescriptions and preferred pharmacies.
For each plan you are weighing, confirm three things specifically: that the plan is sold in your county (not just somewhere in Alabama), that each of your regular doctors, specialists and hospitals is in that plan's 2027 network, and that each prescription you take is on the plan's 2027 formulary at a tier you can live with. The plan's own 2027 Evidence of Coverage and provider and pharmacy directories are the authoritative documents. If you qualify for a C-SNP or D-SNP, you also need to confirm you meet that plan's eligibility rules.
What should Alabama Medicare beneficiaries do before December 7, 2026?
Before December 7, 2026, Alabama beneficiaries should review their current coverage against their options for 2027 and, if they want a change, make it during the Annual Enrollment Period that runs October 15 – December 7, 2026. A choice made in that window takes effect January 1, 2027.
A simple sequence works for most people: read the Annual Notice of Change your current plan mails in the fall, list your doctors, hospitals and medications, and run those details through the Medicare Plan Finder for your ZIP code. Compare both returning plans and any of the 25 new 2027 plans that reach your county. If nothing you see is better than what you already have, you can keep your current plan without taking any action.
Where can Alabamians get free help comparing 2027 Medicare Advantage plans?
Free, neutral help for Alabama Medicare questions is available directly from Medicare at 1-800-MEDICARE (TTY 1-877-486-2048), 24 hours a day, seven days a week, and online at medicare.gov. The Plan Finder tool at medicare.gov is the same database carriers and agents use, and it is free to search without creating an account.
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.
New for 2027
Medicare Advantage plans new across Alabama for 2027
CMS lists 25 Medicare Advantage plans across Alabama for 2027 that were not offered for 2026, alphabetically by carrier.
| Plan | Type | Drug coverage | Counties |
|---|---|---|---|
| Aetna (CVS Health) 1 plan | |||
| Aetna Medicare Signature Extra Care (HMO) | HMO | Yes | 19 |
| Devoted Health 14 plans | |||
| 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 |
| HealthSpring 5 plans | |||
| HealthSpring TotalCare (HMO D-SNP) | HMO D-SNP | Yes | 24 |
| HealthSpring TotalCare Plus (HMO D-SNP) | HMO D-SNP | Yes | 24 |
| HealthSpring Achieve Savings (HMO C-SNP) | HMO C-SNP | Yes | 5 |
| HealthSpring TotalCare (HMO D-SNP) | HMO D-SNP | Yes | 5 |
| HealthSpring TotalCare Plus (HMO D-SNP) | HMO D-SNP | Yes | 5 |
| UnitedHealthcare 4 plans | |||
| AARP Medicare Advantage Extras from UHC AL-7 (HMO-POS) | HMO-POS | Yes | 66 |
| AARP Medicare Advantage Patriot No Rx AL-MA2 (HMO-POS) | HMO-POS | No | 66 |
| UHC Complete Care AL-8 (HMO-POS C-SNP) | HMO-POS C-SNP | Yes | 66 |
| UHC Dual Complete AL-Q3 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | 66 |
| VIVA Medicare 1 plan | |||
| VIVA Medicare Healthy Lifestyles (HMO C-SNP) | HMO C-SNP | Yes | 34 |
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
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.
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Good to know
Frequently asked questions
How many Medicare Advantage plans are new in Alabama for 2027?
Does "new in Alabama" mean the plan is sold in my county?
Why don't new 2027 plans have a Star Rating?
When do I need to decide for 2027 coverage?
- 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: the plan-level availability by county for Alabama in 2027.
- CMS — MA Landscape Source Files, 2026 and 2027: the year-over-year comparison used to identify the 25 new plans and the five carriers.
- Medicare.gov — Medicare enrollment periods: the Annual Enrollment Period dates and January 1, 2027 effective date.
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.