Medicare Advantage
10 New Medicare Advantage Plans in Idaho for 2027: The List
BOISE — Ten Medicare Advantage plans that were not offered to Idahoans for 2026 are entering the state for 2027, according to the Centers for Medicare & Medicaid Services (CMS) Landscape Source Files. They come from four carriers and account for 10 of the 44 Medicare Advantage plans Idaho residents can consider during Medicare Open Enrollment 2027.
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Key takeaways
- Ten Medicare Advantage plans are new in Idaho for 2027, offered by PacificSource Medicare, Range Health, St. Luke's Health Plan, and UnitedHealthcare.
- A plan listed statewide may not be sold in your county, so check availability in your ZIP code on Medicare.gov.
- Annual Enrollment runs October 15 – December 7, 2026, and choices made in that window take effect January 1, 2027.
- Free, unbiased help is available year-round through Medicare.gov and 1-800-MEDICARE (TTY 1-877-486-2048).
| 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.
Because every Medicare Advantage plan is sold county by county, a plan on this statewide list may or may not be available where you live. Use it as a starting point, then confirm the details on Medicare.gov or by calling 1-800-MEDICARE before December 7, 2026.
How many new Medicare Advantage plans are offered in Idaho for 2027, and which carriers added them?
Idaho has 10 new Medicare Advantage plans for 2027 out of the 44 total plans available statewide, per the CMS Landscape Source Files. Four carriers brought them to market: PacificSource Medicare added 2, Range Health added 3, St. Luke's Health Plan added 3, and UnitedHealthcare added 2.
The full plan-by-plan list, including county reach, is rendered as a table elsewhere on this page. The counts above are statewide; whether any single plan reaches your mailbox depends on the county you live in.
Which new Idaho Medicare Advantage plans for 2027 cover the most counties?
Among the 10 new Idaho plans for 2027, UnitedHealthcare's UHC Dual Complete ID-YL (HMO-POS D-SNP) has the widest reach, listed in 44 counties. PacificSource Medicare's two new entries — PacificSource Medicare Idaho Basic (HMO-POS) and PacificSource Medicare River Select Rx (HMO-POS) — are each offered in 8 counties.
Range Health's True West No Rx 3 (PPO) is offered in 4 counties, True West Rx 5 (PPO) in 3 counties, and True West Rx 4 (PPO) in 1 county. St. Luke's Advantage Rx 01 (HMO) is in 3 counties, and St. Luke's Advantage Rx 02 (HMO) and St. Luke's Advantage Rx 03 (HMO) are each in 2 counties. UnitedHealthcare's UHC Nursing Home Plan ID-F1 (PPO I-SNP) — a specialty institutional plan — is offered in 1 county.
Two of the new plans are Special Needs Plans. UHC Dual Complete ID-YL is a Dual-eligible Special Needs Plan (D-SNP), designed for people who have both Medicare and Medicaid. UHC Nursing Home Plan ID-F1 is an Institutional Special Needs Plan (I-SNP) for people who meet nursing-home-level-of-care requirements. Eligibility rules apply in addition to living in a covered county.
What does it mean when a Medicare Advantage plan is 'new' in Idaho for 2027?
A "new" plan in Idaho for 2027 is a contract/plan ID that CMS did not list in the state for 2026. In practical terms, a brand-new plan does not yet have its own Medicare Star Rating and has no multi-year track record in the state, because star ratings and historical performance data are built up over time from an existing plan's experience. That is a fact about the data, not a judgment of quality.
What it means for shoppers: you cannot look up a star history for these 10 plans, so your comparison will lean more heavily on the Evidence of Coverage, Summary of Benefits, provider directory, and formulary that each carrier publishes.
How do I check whether a new 2027 plan is offered in my Idaho county and covers my doctors and prescriptions?
To check availability in your Idaho county for 2027, enter your ZIP code into the Medicare Plan Finder at Medicare.gov, or call 1-800-MEDICARE (TTY 1-877-486-2048), available 24 hours a day, 7 days a week. The Plan Finder will show only the plans sold where you live and let you add your prescriptions and pharmacies.
Three checks are worth doing for any plan — new or returning — before you enroll:
1. Service area. Confirm the plan is offered in your county. A statewide list like this one includes plans you may not be able to join. 2. Providers. Look up your primary care doctor, specialists, and preferred hospital in the plan's current provider directory, and ask the office to confirm they will be in-network for 2027. 3. Prescriptions. Enter each medication, dose, and pharmacy into the Plan Finder, or check the plan's 2027 formulary directly, to see how each drug is covered.
HMO, HMO-POS, PPO, D-SNP and I-SNP plans each have different rules for referrals, out-of-network care, and eligibility. The plan's Evidence of Coverage spells those rules out.
What should Idaho Medicare beneficiaries do before December 7, 2026?
Before December 7, 2026, review your current coverage against your 2027 options so any change you choose takes effect January 1, 2027. Medicare's Annual Enrollment Period runs October 15 – December 7, 2026, and it is the main annual window to join, switch, or drop a Medicare Advantage plan for the 2027 plan year.
A simple checklist:
- Read the Annual Notice of Change (ANOC) your current plan mailed in September 2026. It explains what is changing for 2027.
- Make a short list of must-haves: your doctors, your hospitals, your medications, and the counties where you spend time.
- Run your list through the Medicare Plan Finder at Medicare.gov for your ZIP code.
- If you are considering one of the 10 new 2027 plans — from PacificSource Medicare, Range Health, St. Luke's Health Plan, or UnitedHealthcare — request the Summary of Benefits and formulary directly from the carrier.
- Enroll by December 7, 2026, if you decide to change.
If you keep your current plan and it is still offered, you do not need to do anything to stay enrolled.
Where can Idahoans get free help comparing Medicare plans for 2027?
Free, unbiased help is available directly from Medicare. Call 1-800-MEDICARE (TTY 1-877-486-2048), 24 hours a day, 7 days a week, or use the Plan Finder and plan-comparison tools at Medicare.gov. Both can walk you through what is offered in your Idaho county for 2027 without steering you to any carrier.
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.
New for 2027
Medicare Advantage plans new across Idaho for 2027
CMS lists 10 Medicare Advantage plans across Idaho for 2027 that were not offered for 2026, alphabetically by carrier.
| Plan | Type | Drug coverage | Counties |
|---|---|---|---|
| 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 2 plans | |||
| UHC Dual Complete ID-YL (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | 44 |
| 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.
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.
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Frequently asked questions
How many Medicare Advantage plans are new in Idaho for 2027?
Which carriers added new Medicare Advantage plans in Idaho for 2027?
If a new plan is on the Idaho statewide list, can I join it?
When do I need to decide for 2027 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 — Medicare Advantage Landscape Source Files, CY2026 and CY2027: the count of new Idaho plans for 2027, the carriers that added them, the plan names, and the county reach of each new plan.
- Medicare.gov — Medicare enrollment periods: the Annual Enrollment Period dates (October 15 – December 7, 2026) and the January 1, 2027 effective date.
- Medicare.gov — Medicare Plan Finder and 1-800-MEDICARE: county-level availability, provider directories, formularies, and plan documents.
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.