Medicare Advantage

How Many Medicare Plans Serve the Eagle Area in 2026?

Ada County has 22 Medicare Advantage plans for 2027. Compared with 2026, 9 plans are not coming back, 4 are new, and 10 continuing plans changed in some way you should check before December 7, 5 of them under a new name. This guide covers what those numbers mean for Eagle, not which plan to pick.

How Many Medicare Plans Serve the Eagle Area in 2027? — plain-language Medicare information for Eagle, Idaho.

EAGLE, Idaho — If you live in Eagle and are shopping for Medicare coverage this fall, you may be wondering how your area compares with the rest of the Treasure Valley. The short answer: the metro is well-covered, but the exact number of plans you can pick from depends on which county you call home.

Because Medicare Advantage and Part D plans are sold county by county, your ZIP code — not your city name — decides your menu. Eagle sits in Ada County, so the county-level counts below are what apply to Eagle residents.

What "plan availability" really means

Medicare plan availability is set at the county level by the Centers for Medicare & Medicaid Services (CMS). When you use the Plan Finder at medicare.gov, it asks for your ZIP code so it can pull the list for your specific county. Eagle is in Ada County, where 22 Medicare Advantage plans are on the 2027 landscape, offered by 7 different carriers with drug coverage built in. Compared with 2026, 9 plans are not returning, 4 are new, and 5 have been renamed; 10 continuing plans change something in their terms — check your ANOC for details.

That's a fairly wide field. But "more plans" doesn't automatically mean "better fit." What matters is whether your doctors, hospitals, and prescriptions are covered under a given plan's network and formulary.

A snapshot of the broader metro

Ada County is the population center of the Boise metro area, and it's home to roughly 84,270 residents age 65 and older. Neighboring counties in the metro — like Canyon, Gem, and Boise counties — have their own separate plan lists set by CMS. If you have family members nearby in a different county, their choices may look different from yours, even if you share the same doctor.

This is a common source of confusion. A plan advertised on TV in the Boise media market may not be offered in every county the ad reaches. Always confirm by ZIP code before making a decision.

Stand-alone Part D in the area

For 2027, Idaho has 8 stand-alone Part D plans for 2027, sold statewide, so Eagle residents with Original Medicare can choose from that same list. Many Eagle-area residents instead get their drug coverage bundled inside a Medicare Advantage plan (an MA-PD). If you have Original Medicare and need drug coverage, call 1-800-MEDICARE or check medicare.gov to see the full Part D options that apply to your ZIP code — the Plan Finder is the official source.

Star Ratings in context

CMS rates Medicare Advantage and Part D contracts on a 1-to-5 scale each year, based on things like customer service, member complaints, and preventive care. Under CMS's 2027 Star Ratings, 14 Medicare Advantage contracts offer plans in Ada County, 11 of them carry a 2027 Star Rating, and 7 of those are rated 4 stars or higher. Ratings can shift year to year, and they cover a contract as a whole rather than any single plan benefit. Use them as one piece of information — not the only one.

Program-level changes to know for 2027

No matter which county you're shopping in, some Medicare rules are the same everywhere:

• Part D out-of-pocket cap: $2,100 in 2026 and $2,400 in 2027. Once you hit that in covered drug costs, you pay nothing more for the rest of the year on covered medications.
• Part D deductible: No plan can charge more than $615 in 2026 or $700 in 2027.
• No more donut hole: The coverage gap was eliminated in 2025. Part D now has three phases instead of four.
• Medicare Prescription Payment Plan: You can opt in to spread your yearly drug costs across monthly payments instead of paying at the pharmacy counter.
• IRMAA: Higher-income beneficiaries pay a surcharge; for single filers in 2026, that begins above $109,000 in income.

Key dates for Eagle residents

• October 15 – December 7: Annual Enrollment Period. You can join, switch, or drop a Medicare Advantage or Part D plan. Changes take effect January 1.
• January 1 – March 31: Medicare Advantage Open Enrollment Period. If you're already in a Medicare Advantage plan, you can switch to another one or go back to Original Medicare (and add a Part D plan).

Where to get personal help

• medicare.gov — the official Plan Finder, searchable by your Eagle ZIP code.
• 1-800-MEDICARE — available 24/7.
• Idaho SHIBA — Idaho's State Health Insurance Assistance Program (SHIP) offers free, unbiased counseling to Medicare beneficiaries and their families.