Medicare Advantage

Before You Pick a Phoenix MA Plan, See All 88

For 2027, Phoenix is looking at 92 Medicare Advantage plans: 17 new, 13 gone since 2026, and 33 still here but changed on premium, deductible, plan type or name, 13 of them under a new name. Below, how the lineup shifted in Maricopa County and what to compare, with no plan ranked or recommended.

Medicare AdvantagePhoenix, AZ

PHOENIX — If you live in Phoenix and shop for a Medicare Advantage plan this fall, you are choosing from a long list. For plan year 2027, 16 carriers are selling Medicare Advantage in Maricopa County, the county that includes Phoenix, and every one of their plans includes prescription drug coverage. The table below lists every plan, carrier by carrier, with its plan type and whether it comes with Part D built in.

What is on offer in Phoenix for 2027

Medicare Advantage availability is set at the county level, so plans listed for Maricopa County are the plans a Phoenix resident can choose from. For 2027, that comes to 79 plans from 16 carriers. Of the 79, 62 are continuing from 2026, 17 are new, and 13 are renamed; 13 plans offered in 2026 are not returning. Twenty continuing plans change something in their terms for 2027 — the details are in each plan's Annual Notice of Change.

Every one of the 79 plans comes with Part D prescription drug coverage attached. That is why the county has no stand-alone Part D plans in the 2027 file — if you enroll in a Medicare Advantage plan here, drug coverage is part of it.

The carriers selling MA plans in Maricopa County

Here are the 16 carriers, in alphabetical order, and how many plans each is offering in the county for 2027:

• Aetna (CVS Health): 9 plans (HMO, PPO; 1 SNP)
• Alignment Health Plan: 5 plans (HMO; 3 SNP)
• Banner Medicare Advantage: 3 plans (HMO; 2 SNP)
• Blue Cross Blue Shield (HCSC): 6 plans (HMO, PPO; 1 SNP)
• Blue Cross Blue Shield of Arizona: 3 plans (HMO; 1 SNP)
• Centene (WellCare): 6 plans (HMO; 3 SNP)
• Devoted Health: 10 plans (HMO, PPO; 3 SNP)
• Elevance Health (Anthem, sold under Wellpoint): 5 plans (HMO, HMO-POS; 4 SNP)
• eternalHealth: 4 plans (HMO, HMO-POS)
• Gold Kidney Health Plan: 3 plans (HMO-POS; 3 SNP)
• Humana: 14 plans (HMO, PPO; 2 SNP)
• Mercy Care Advantage: 3 plans (HMO; 3 SNP)
• Molina Healthcare of Arizona: 1 plan (HMO; 1 SNP)
• SCAN Health Plan: 6 plans (HMO, HMO-POS; 4 SNP)
• UnitedHealthcare: 8 plans (HMO-POS, PPO; 4 SNP)
• Verda Health Plan of Arizona: 2 plans (HMO; 1 SNP)

The individual plan names — for example the Aetna Medicare Prime and Signature plans, Humana's Gold Plus and HumanaChoice lineup, UnitedHealthcare's AARP-branded and Dual Complete plans, Devoted's CORE and CHOICE plans, WellCare's Giveback and Simple plans, Wellpoint's CareMore and Chronic Care plans, and SCAN's Classic, MyChoice, Balance, Strive and Embrace plans — are all listed in the table below with the exact plan type and drug coverage marker for each.

How to read the plan types

You will see a mix of plan types in the roster:

• HMO plans generally ask you to use a set network of doctors and hospitals and to pick a primary care doctor.
• HMO-POS plans are HMOs with a "point of service" option that lets you go outside the network for some services, usually at a higher cost share.
• PPO plans let you see in-network and out-of-network providers, generally with different cost shares. One PPO in the roster (HumanaChoice R7220-001 and R7220-002) is a Regional PPO, which covers a wider service area.
• SNPs — you will see labels like C-SNP (chronic condition), D-SNP (dual-eligible with Medicaid), and I-SNP (institutional). You have to qualify to enroll.

For any specific plan on the list, its premium, deductible, copays, provider network, drug formulary and Star Rating live in the plan's own documents and in the Medicare Plan Finder at medicare.gov.

Program facts that apply no matter which plan you pick

A few 2027 program rules will affect every Phoenix enrollee with Part D coverage — and again, every MA plan on this list has Part D built in:

• The Part D out-of-pocket cap is $2,100 in 2026 and $2,400 in 2027. Once your covered drug spending hits that amount, you pay nothing for covered drugs the rest of the year.
• The Part D maximum deductible is $615 in 2026 and $700 in 2027 (plans can set a lower one).
• The old coverage gap, or "donut hole," is gone. Part D now has three phases: deductible, initial coverage and catastrophic.
• The Medicare Prescription Payment Plan lets you spread your yearly drug costs into monthly payments. It's optional and free to opt into through your plan.
• IRMAA — the income-related surcharge for Part B and Part D — starts above $109,000 in income for a single filer in 2026.

Dates to keep in mind

• Annual Enrollment Period (AEP): Oct. 15 – Dec. 7, 2026. This is when most people join, switch or drop a Medicare Advantage or Part D plan for 2027.
• Medicare Advantage Open Enrollment Period: Jan. 1 – March 31. If you are already in an MA plan on Jan. 1, you can switch to a different MA plan or go back to Original Medicare once during this window.