Medicare Advantage

Medicare and Medicaid together in Boise: a plain guide to the 2027 D-SNP choices in Ada County

For 2027, Boise is looking at 27 Medicare Advantage plans: 4 new, 9 gone since 2026, and 15 still here but changed on premium, deductible, plan type or name, 5 of them under a new name. Below, how the lineup shifted in Ada County and what to compare, with no plan ranked or recommended.

BOISE, Ida. — If you have both Medicare and Medicaid and live in Boise, the fall 2026 enrollment season brings a short, specific lineup to look at for 2027. Ada County will have four Dual Special Needs Plans (D-SNPs) available next year, offered by two carriers, according to the CMS Medicare Advantage Landscape Source File for plan year 2027. One of those plans is new to the county, and one has a new name.

The Annual Enrollment Period runs October 15 through December 7, 2026, and any change you make takes effect January 1, 2027. But if you qualify as "dual eligible," you likely have more chances to switch during the year than most people — more on that below.

What is a Dual Special Needs Plan in Boise?

A Dual Special Needs Plan (D-SNP) is a type of Medicare Advantage plan built for people who have both Medicare and Medicaid. In Idaho, Medicaid is run by the state's Department of Health and Welfare, and your Medicaid category is what sets your D-SNP eligibility. D-SNPs include medical and drug coverage in one plan and work alongside your Medicaid benefits, which may help with costs Medicare does not cover.

D-SNPs are different from the two other kinds of Special Needs Plans you may see in Ada County: C-SNPs (for certain chronic conditions) and I-SNPs (for people in institutional settings like nursing facilities). For 2027, Ada County will also have 3 C-SNPs and 1 I-SNP, but those are not for dual-eligible members as a group.

How many D-SNPs are offered in Ada County for 2027?

Four. Boise is in Ada County, where the CMS Landscape file lists 4 D-SNPs out of 27 Medicare Advantage plans for 2027. Two carriers offer them:

• Molina Healthcare of Utah & Idaho — 1 D-SNP
• UnitedHealthcare — 3 D-SNPs

By plan name, in alphabetical order by carrier:

• Molina Medicare Complete Care (HMO D-SNP) — Molina Healthcare of Utah & Idaho
• UHC Dual Complete ID-QV1 (HMO-POS D-SNP) — UnitedHealthcare (renamed; this was UHC Dual Complete ID-Q1 for 2026)
• UHC Dual Complete ID-Y1 (HMO-POS D-SNP) — UnitedHealthcare
• UHC Dual Complete ID-YL (HMO-POS D-SNP) — UnitedHealthcare (new for 2027)

The table on this page shows the full plan lineup. For the premium, drug list, provider network and extra benefits of any specific plan, use the Medicare Plan Finder at medicare.gov, call 1-800-MEDICARE, or read the plan's Evidence of Coverage.

Who qualifies for a D-SNP — full versus partial dual eligibility?

To join a D-SNP, you need both Medicare (Parts A and B) and some form of Idaho Medicaid assistance. The state confirms which category you fall into, and that category decides which D-SNPs you can enroll in.

In plain terms:

• "Full" dual eligibility usually means you qualify for both Medicare and full Medicaid benefits. Medicaid may help pay your Medicare premiums and cost-sharing, plus cover services Medicare does not, such as long-term supports.
• "Partial" dual eligibility usually means you get help from a Medicare Savings Program (such as QMB, SLMB or QI) that pays certain Medicare costs, but you do not have full Medicaid benefits.

Different D-SNPs are built for different dual categories, so a plan that fits a full-benefit member may not fit a partial-benefit member, and vice versa. To confirm your exact category, contact Idaho Medicaid through the Department of Health and Welfare. To confirm which D-SNPs you can join based on that category, call 1-800-MEDICARE or check medicare.gov.

How often can a dual-eligible person change plans in 2027?

More often than most people. The Annual Enrollment Period (October 15 – December 7, 2026) and the Medicare Advantage Open Enrollment Period (January 1 – March 31, 2027) are open to everyone with Medicare. On top of those, people who have Medicaid or Extra Help have a Special Enrollment Period that generally lets them make one change per calendar quarter in the first three quarters of the year — for example, to join an integrated D-SNP or to return to Original Medicare with a stand-alone Part D plan.

CMS has adjusted these dual/LIS enrollment rules in recent years, so the safest step is to confirm the current rules for your situation with 1-800-MEDICARE before you switch. Changes you make through a Special Enrollment Period usually take effect the first of the next month.

If you do nothing during the fall window, your current plan simply renews for 2027 if it is still offered, with the updates described in its Annual Notice of Change (ANOC). Across Ada County's full Medicare Advantage lineup for 2027, 9 plans are not returning, 4 are new, and 5 have been renamed, so it is worth reading your ANOC when it arrives.

How do I confirm my Medicaid and Medicare eligibility?

Two agencies, two quick calls:

• For Medicaid (and your dual category): contact Idaho Medicaid through the Idaho Department of Health and Welfare. They can tell you whether you are enrolled, which category you are in, and whether anything has changed in your case.
• For Medicare: call 1-800-MEDICARE (1-800-633-4227), TTY 1-877-486-2048, or sign in at medicare.gov to see your Parts A and B status, your current plan, and your enrollment options.

Having both confirmations in hand makes it much easier to compare D-SNPs — or to decide whether a D-SNP is the right fit at all. Some dual-eligible people choose Original Medicare plus a Part D plan instead; the right answer depends on the doctors you see, the drugs you take and the help Medicaid already provides.

What 2027 Medicare numbers are set, and what is still coming?

A few program-wide figures for 2027 have been published by CMS:

• The Part D out-of-pocket cap rises to $2,400 in 2027 (up from $2,100 in 2026).
• The Part D maximum deductible rises to $700 in 2027 (up from $615 in 2026).
• The Part D national base beneficiary premium for 2027 is $41.33 (this is a formula input, not what any individual plan charges).

The 2027 Part B standard premium and deductible, and the 2027 IRMAA income brackets, have not yet been announced. CMS normally publishes those figures later in the fall, usually in November.