Medicare Advantage
How many UnitedHealthcare plans will Gilbert see in 2027?
GILBERT, Ariz. — As the Annual Enrollment Period for 2027 coverage opens Oct. 15, 2026 and closes Dec. 7, 2026, UnitedHealthcare's Medicare Advantage lineup in Maricopa County — the county Gilbert sits in — will look a little different next year. The carrier is offering nine Medicare Advantage plans here for 2027, including one brand-new plan and one that has been renamed. The table below lists every plan in the lineup.
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Key takeaways
- UnitedHealthcare is offering 9 Medicare Advantage plans in Maricopa County for 2027: 8 HMO-POS and 1 PPO.
- One plan is new for 2027 (AARP Medicare Advantage Patriot No Rx AZ-MA2) and one has been renamed (UHC Dual Complete AZ-YL, previously AZ-Y001); no UnitedHealthcare plans are leaving the county.
- Four of the nine plans are Special Needs Plans: 2 D-SNPs, 1 C-SNP and 1 I-SNP.
- The window to change coverage runs Oct. 15 through Dec. 7, 2026; if you do nothing, your current plan renews with the changes listed in its Annual Notice of Change.
| Fact | Figure | Source |
|---|---|---|
| Medicare Advantage plans offered in Maricopa County (2026) | 88 | CMS |
| Medicare Advantage plans offered in Maricopa County (2027) | 92 | CMS |
| Plans not returning for 2027 / new for 2027 | 13 / 17 | CMS |
| Organizations offering Medicare Advantage in Maricopa County (2026) | 16 | CMS |
| Share of eligible beneficiaries in Medicare Advantage, Maricopa County | 52% | CMS |
| Residents age 65 and older, Maricopa County | 742,814 | U.S. Census Bureau |
| 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.
MyMedicarePlans.org is an independent consumer news and education site. We are not UnitedHealthcare, and 15 other carriers also offer Medicare Advantage plans in Maricopa County for 2027 — 92 plans in all.
How many UnitedHealthcare Medicare Advantage plans will be offered in Gilbert for 2027?
UnitedHealthcare has 9 Medicare Advantage plans available in Maricopa County — the county that includes Gilbert — for the 2027 plan year. By type, that is 8 HMO-POS plans and 1 PPO. Eight of the nine include Part D prescription drug coverage; one does not.
Medicare Advantage availability is set at the county level by CMS, so the same lineup is available anywhere in Maricopa County, not just in Gilbert itself.
What is new or changing in UnitedHealthcare's 2027 Gilbert lineup?
One UnitedHealthcare plan is new for 2027: AARP Medicare Advantage Patriot No Rx AZ-MA2 (HMO-POS), which does not include drug coverage. One plan has been renamed — UHC Dual Complete AZ-YL (HMO-POS D-SNP) was called UHC Dual Complete AZ-Y001 last year. No UnitedHealthcare plans are leaving Maricopa County for 2027.
If you are already enrolled in a UnitedHealthcare plan, your Annual Notice of Change (ANOC) — the packet that arrived in September — spells out exactly what is different for your plan in 2027, from the drug list to the provider network to cost sharing.
Which UnitedHealthcare Special Needs Plans are available in Maricopa County for 2027?
UnitedHealthcare is offering four Special Needs Plans here next year: two Dual Eligible SNPs (D-SNPs) for people with both Medicare and Medicaid, one Chronic Condition SNP (C-SNP), and one Institutional SNP (I-SNP) for people living in a nursing home. The D-SNPs and C-SNP are HMO-POS; the I-SNP is a PPO. All four include prescription drug coverage.
Special Needs Plans have eligibility rules. To enroll, you have to meet the plan's specific criteria — for example, qualifying for Medicaid, having a qualifying chronic condition, or meeting the institutional level-of-care requirement.
How do I check a UnitedHealthcare plan against my doctors and prescriptions before Dec. 7?
The most reliable way is the Medicare Plan Finder at medicare.gov. You enter your ZIP code and your prescription drugs, and the tool shows each plan's drug list (formulary), estimated yearly drug cost, and a link to look up providers. You can also call 1-800-MEDICARE (TTY 1-877-486-2048) 24 hours a day, seven days a week.
Three things worth confirming before you enroll:
- Each of your doctors and preferred hospitals is in-network for the plan year 2027, not just today.
- Every prescription you take is on the plan's 2027 formulary, at a tier you can afford.
- Any pharmacy you rely on is a preferred network pharmacy for that plan.
Networks and drug lists can change from one year to the next, which is why checking during Annual Enrollment matters even if you plan to keep the same coverage.
What are the Medicare dates and dollar figures to know for 2027?
Annual Enrollment runs Oct. 15 through Dec. 7, 2026, and any change you make takes effect Jan. 1, 2027. If you do nothing, your current plan simply renews for 2027 (assuming it is being offered) with the updates in your ANOC. There is also a Medicare Advantage Open Enrollment Period from Jan. 1 through March 31, 2027, when people already in a Medicare Advantage plan can switch once.
CMS has confirmed a few 2027 Part D figures: the out-of-pocket drug cap rises to $2,400 (up from $2,100 in 2026), the maximum Part D deductible rises to $700 (up from $615 in 2026), and the Part D national base beneficiary premium — a formula input, not what any specific plan charges — is $41.33 for 2027. The 2027 Part B standard premium and deductible and the 2027 IRMAA income brackets have not yet been announced; CMS typically publishes those in the fall.
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.
By the numbers
How people get Medicare in Maricopa County
(MA penetration in Maricopa County)
MA penetration from CMS enrollment data; Medigap share is an estimate. U.S. average is about 54% Medicare Advantage. These are area-level figures, not plan-specific.
2027 plan lineup
UnitedHealthcare Medicare Advantage plans in Maricopa County for 2027
CMS lists 9 UnitedHealthcare Medicare Advantage plans in Maricopa County for 2027, alphabetically by carrier. 15 other carriers also offer plans there.
| Plan | Type | Drug coverage | For 2027 |
|---|---|---|---|
| UnitedHealthcare 9 plans | |||
| AARP Medicare Advantage Essentials from UHC AZ-2 (HMO-POS) | HMO-POS | Yes | Returning |
| AARP Medicare Advantage Extras from UHC AZ-5 (HMO-POS) | HMO-POS | Yes | Returning |
| AARP Medicare Advantage from UHC AZ-0003 (HMO-POS) | HMO-POS | Yes | Returning |
| AARP Medicare Advantage from UHC AZ-002P (HMO-POS) | HMO-POS | Yes | Returning |
| AARP Medicare Advantage Patriot No Rx AZ-MA2 (HMO-POS) | HMO-POS | No | New |
| UHC Complete Care AZ-1P (HMO-POS C-SNP) | HMO-POS C-SNP | Yes | Returning |
| UHC Dual Complete AZ-S001 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | Returning |
| UHC Dual Complete AZ-YL (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | Renamed |
| UHC Nursing Home Plan AZ-F001 (PPO I-SNP) | PPO I-SNP | Yes | Returning |
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plan availability is set at the county level. 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 UnitedHealthcare Medicare Advantage plans in Maricopa County 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. Plan availability is set at the county level. 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.
Key dates
Medicare enrollment periods at a glance
- Around your 65thInitial Enrollment PeriodA 7-month window around the month you turn 65 — your first chance to sign up.
- October 15 – December 7Annual Enrollment Period (Open Enrollment)Anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan.
- January 1 – March 31Medicare Advantage Open EnrollmentIf you're already in a Medicare Advantage plan, you can make one change.
- January 1 – March 31General Enrollment PeriodFor people who missed their first chance to sign up for Part B.
- VariesSpecial Enrollment PeriodTriggered by life events like moving or losing other coverage.
Dates are set by Medicare and apply nationwide. Confirm your personal windows at Medicare.gov or 1-800-MEDICARE.
Explore
When can you enroll? An interactive year
Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.
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The parts of Medicare
Good to know
Frequently asked questions
What happens if I don't do anything by Dec. 7, 2026?
Is UnitedHealthcare the only Medicare Advantage carrier in Gilbert for 2027?
How do I know if I qualify for a Special Needs Plan?
Where can I get help comparing plans one-on-one?
Watch
The Medicare Advantage changes for 2027 in every state, in 30 seconds
- 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.
Also for Gilbert
Sources and methodology
- CMS, Medicare Advantage and Part D Landscape Source Files
- CMS, Medicare Advantage state/county penetration and enrollment files
- U.S. Census Bureau, American Community Survey (table B01001, age 65 and older)
- 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
Figures cited in this article
- CMS Medicare Advantage Landscape Source Files (2026 and 2027): UnitedHealthcare's plan counts, plan types, Special Needs Plan counts, drug-coverage counts, and the new and renamed plans for Maricopa County.
- Medicare.gov: Annual Enrollment Period and Medicare Advantage Open Enrollment Period dates; Medicare Plan Finder for personalized plan, provider and drug lookups.
- CMS Part D program parameters for 2026 and 2027: the out-of-pocket cap, maximum deductible and national base beneficiary premium figures.
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.
Content Integrity Standards
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This page was last updated: October 2026.