Medicare Advantage
Compare 44 Idaho Medicare Advantage Plans for 2027 From 8 Carriers
BOISE — Idahoans with Medicare have a clear window to look at their 2027 coverage: Annual Enrollment 2027 runs October 15 through December 7, 2026, and whatever a person chooses in that window takes effect January 1, 2027. According to the CMS Medicare Advantage Landscape Source File for CY2027, Idaho residents will have 44 Medicare Advantage plans available statewide from 8 carriers, with each plan offered county by county rather than everywhere in the state.
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Key takeaways
- Idaho has 44 Medicare Advantage plans listed for 2027 from 8 carriers, but availability is county by county, so your personal list will be shorter.
- Annual Enrollment 2027 runs October 15 through December 7, 2026, and the choice you make takes effect January 1, 2027.
- 10 plans are new for 2027 and 14 plans are not returning, so even current enrollees should re-check their coverage.
- The Medicare Plan Finder at medicare.gov and 1-800-MEDICARE are the official places to confirm doctors, hospitals, pharmacies and drug lists for any Idaho plan.
| 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.
This explainer walks through what the 2027 CMS file says for Idaho, how the plan mix has shifted from 2026, and a step-by-step way to compare the plans that actually show up in your own ZIP code before the December 7 deadline.
How many Medicare Advantage plans are offered in Idaho for 2027?
Idaho has 44 Medicare Advantage plans available statewide for 2027, offered by 8 carriers, according to the CMS MA Landscape Source File for CY2027. Of those 44, 37 include prescription drug coverage, 10 are new for 2027, and 14 plans that were offered in 2026 are not returning for 2027.
"Statewide" is a counting method, not a promise of availability. Medicare Advantage plans are approved county by county, so a plan on the Idaho list may be sold in Ada County but not in Bonner County, or in Kootenai County but not in Twin Falls County. The number a reader in Pocatello actually sees on medicare.gov will be smaller than 44.
The year-over-year movement — 10 new plans in, 14 not returning — is the main reason even satisfied enrollees should look again. A plan that leaves your county is one of the few things that can force a change in your coverage on January 1, 2027.
What types of Medicare Advantage plans are available in Idaho for 2027, including Special Needs Plans?
The 44 Idaho plans for 2027 break down by type as 15 HMO plans, 13 HMO-POS plans and 16 PPO plans, according to the CMS CY2027 Landscape file. Within that total, Idaho has 5 Dual Eligible Special Needs Plans (D-SNP), 4 Chronic Condition Special Needs Plans (C-SNP) and 2 Institutional Special Needs Plans (I-SNP).
The plan-type label matters because it shapes how you use the plan. HMOs generally expect you to use an in-network provider; HMO-POS plans add a point-of-service option; PPOs typically allow out-of-network care at a different cost share. Special Needs Plans are limited to people who meet specific eligibility rules — D-SNPs for those with both Medicare and Medicaid, C-SNPs for those with qualifying chronic conditions, and I-SNPs for those who meet an institutional-level-of-care standard.
If a Special Needs Plan looks like a fit, confirm eligibility on medicare.gov or by calling 1-800-MEDICARE before enrolling.
Which carriers offer Medicare Advantage plans in Idaho for 2027?
Eight carriers are listed in the CMS CY2027 Landscape file for Idaho. In alphabetical order, they are American Health Advantage of Utah (1 plan), Blue Cross of Idaho (8 plans), Humana (10 plans), Molina Healthcare of Utah & Idaho (2 plans, including 2 D-SNPs), PacificSource Medicare (2 plans), Range Health (3 plans), St. Luke's Health Plan (3 plans), and UnitedHealthcare (15 plans, including 3 D-SNPs).
Carrier counts are statewide; a carrier with 10 plans on paper may offer only one or two in a given county. The full plan-by-plan table appears elsewhere on this page — use it as a starting list and then let the Medicare Plan Finder narrow it to your address.
How do I compare Medicare Advantage plans in my own Idaho county for 2027?
The fastest way to compare 2027 Medicare Advantage plans in your Idaho county is to run your ZIP code through the Medicare Plan Finder at medicare.gov, which shows only the plans actually sold where you live. A step-by-step approach:
1. Doctors and hospitals. List the providers you want to keep — primary care, specialists, your preferred hospital system — and check each plan's network directory. Confirm by calling the clinic as well as the plan, because directories update at different speeds. 2. Prescriptions. Enter every drug, dose and frequency into the Plan Finder. The tool matches your list against each plan's formulary and shows the tier for each drug. 3. Pharmacies. Add the pharmacy you use. Cost sharing can differ between preferred and standard pharmacies within the same plan. 4. Annual Notice of Change (ANOC). If you already have a Medicare Advantage plan, your carrier mailed an ANOC in September 2026 describing what changes on January 1, 2027. Read it next to the Plan Finder results. 5. Evidence of Coverage (EOC). For the plans still on your shortlist, open the EOC on the carrier's website for the full rules.
Do this once, in one sitting, with your Medicare card, drug list and provider list in front of you.
What should I do before December 7, 2026, for Medicare coverage that starts January 1, 2027?
Before December 7, 2026, confirm whether your current plan is returning for 2027, and if it is not among the 14 plans not returning, decide whether it still fits. If you want a different plan — or if your current plan is leaving — enroll through medicare.gov or 1-800-MEDICARE by December 7, 2026, for a January 1, 2027 start date.
A quick checklist:
- Read your ANOC.
- Update your drug list and provider list.
- Run the Plan Finder for your ZIP code.
- If you decide to switch, enroll in the new plan; the old one ends automatically when the new one begins.
- If your current plan still fits, you do not need to do anything.
Where can Idahoans get free help comparing Medicare Advantage plans for 2027?
Free, official help for Idaho Medicare questions is available 24 hours a day, 7 days a week from 1-800-MEDICARE (1-800-633-4227; TTY 1-877-486-2048), and anytime online at medicare.gov. Both are run by the federal Medicare program and can walk you through plans available at your address, drug coverage, and enrollment.
Carriers can also answer questions about their own plans using the member services number on their website or in the ANOC.
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.
The 2027 choices, by type
HMO, PPO and Special Needs Plans across Idaho for 2027
- American Health Advantage of Utah 1 plan: HMO
- Blue Cross of Idaho 8 plans: HMO, PPO
- Humana 10 plans: HMO, PPO
- Molina Healthcare of Utah & Idaho 2 plans: HMO
- PacificSource Medicare 2 plans: HMO-POS
- Range Health 3 plans: PPO
- St. Luke's Health Plan 3 plans: HMO
- UnitedHealthcare 15 plans: HMO-POS, PPO
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.
2027 plan lineup
Medicare Advantage plans in Idaho for 2027
CMS lists 44 Medicare Advantage plans across Idaho for 2027 from 8 carriers, alphabetically by carrier, widest county reach first.
| Plan | Type | Drug coverage | Counties |
|---|---|---|---|
| American Health Advantage of Utah 1 plan | |||
| American Health Advantage of Idaho (HMO I-SNP) | HMO I-SNP | Yes | 10 |
| Blue Cross of Idaho 8 plans | |||
| Secure Blue Courage (PPO) | PPO | No | 24 |
| True Blue Valor (HMO) | HMO | No | 24 |
| True Blue Rx 37 (HMO) | HMO | Yes | 16 |
| True Blue Rx 32PSP (HMO) | HMO | Yes | 6 |
| True Blue Rx 33 (HMO) | HMO | Yes | 6 |
| True Blue Rx 35PSP (HMO) | HMO | Yes | 3 |
| True Blue Rx 34 (HMO) | HMO | Yes | 1 |
| True Blue Rx 36 (HMO) | HMO | Yes | 1 |
| Humana 10 plans | |||
| Humana USAA Honor Giveback (PPO) | PPO | No | 23 |
| Humana USAA Honor Giveback (PPO) | PPO | No | 23 |
| HumanaChoice H5216-048 (PPO) | PPO | Yes | 23 |
| HumanaChoice H5525-054 (PPO) | PPO | Yes | 13 |
| Humana Gold Plus H2486-005 (HMO) | HMO | Yes | 9 |
| Humana Total Complete (HMO) | HMO | Yes | 9 |
| Humana Full Access (PPO) | PPO | Yes | 7 |
| Humana Value Choice (PPO) | PPO | Yes | 7 |
| Humana Value Choice (PPO) | PPO | Yes | 7 |
| HumanaChoice - Diabetes and Heart (PPO C-SNP) | PPO C-SNP | Yes | 7 |
| Molina Healthcare of Utah & Idaho 2 plans | |||
| Molina Medicare Complete Care (HMO D-SNP) | HMO D-SNP | Yes | 38 |
| Molina Medicare Complete Care (HMO D-SNP) | HMO D-SNP | Yes | 5 |
| PacificSource Medicare 2 plans | |||
| PacificSource Medicare Idaho Basic (HMO-POS) | HMO-POS | No | 8 |
| PacificSource Medicare River Select Rx (HMO-POS) | HMO-POS | Yes | 8 |
| Range Health 3 plans | |||
| True West No Rx 3 (PPO) | PPO | No | 4 |
| True West Rx 5 (PPO) | PPO | Yes | 3 |
| True West Rx 4 (PPO) | PPO | Yes | 1 |
| St. Luke's Health Plan 3 plans | |||
| St. Luke's Advantage Rx 01 (HMO) | HMO | Yes | 3 |
| St. Luke's Advantage Rx 02 (HMO) | HMO | Yes | 2 |
| St. Luke's Advantage Rx 03 (HMO) | HMO | Yes | 2 |
| UnitedHealthcare 15 plans | |||
| UHC Dual Complete ID-QV1 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | 44 |
| UHC Dual Complete ID-Y1 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | 44 |
| UHC Dual Complete ID-YL (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | 44 |
| UHC Complete Care Support ID-1A (PPO C-SNP) | PPO C-SNP | Yes | 42 |
| AARP Medicare Advantage Patriot No Rx ID-MA01 (HMO-POS) | HMO-POS | No | 24 |
| UHC Complete Care ID-13 (HMO-POS C-SNP) | HMO-POS C-SNP | Yes | 17 |
| AARP Medicare Advantage from UHC ID-0007 (HMO-POS) | HMO-POS | Yes | 12 |
| AARP Medicare Advantage from UHC ID-0009 (HMO-POS) | HMO-POS | Yes | 12 |
| AARP Medicare Advantage from UHC ID-0005 (HMO-POS) | HMO-POS | Yes | 7 |
| UHC Complete Care ID-12 (HMO-POS C-SNP) | HMO-POS C-SNP | Yes | 7 |
| AARP Medicare Advantage from UHC ID-0006 (HMO-POS) | HMO-POS | Yes | 5 |
| AARP Medicare Advantage from UHC ID-0008 (HMO-POS) | HMO-POS | Yes | 5 |
| AARP Medicare Advantage from UHC ID-0001 (PPO) | PPO | Yes | 2 |
| AARP Medicare Advantage from UHC ID-0003 (PPO) | PPO | Yes | 2 |
| UHC Nursing Home Plan ID-F1 (PPO I-SNP) | PPO I-SNP | Yes | 1 |
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 will Idaho have in 2027?
When is Annual Enrollment 2027, and when does my choice take effect?
What happens if my Medicare Advantage plan is not returning for 2027 in Idaho?
Do all 44 Idaho Medicare Advantage plans for 2027 include drug coverage?
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.
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): the statewide Idaho plan count, carrier list, plan types and Special Needs Plan counts.
- CMS — MA Landscape Source Files (CY2026 and CY2027): the year-over-year comparison showing 10 new plans and 14 plans not returning.
- Medicare.gov — Medicare enrollment periods: the October 15 – December 7, 2026 Annual Enrollment dates and the January 1, 2027 effective date.
- Medicare.gov — Medicare Plan Finder: the official tool for comparing plans by ZIP code, drug list, pharmacy and provider network.
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.