Medicare Advantage
Before Dec 7: how to weigh 79 Indianapolis plans
For 2027, Indianapolis is looking at 79 Medicare Advantage plans: 15 new, 14 gone since 2026, and 29 still here but changed on premium, deductible, plan type or name, 7 of them under a new name. Below, how the lineup shifted in Marion County and what to compare, with no plan ranked or recommended.
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Key takeaways
- The deadline to change your Medicare Advantage plan for 2027 coverage is December 7, 2026.
- Marion County has 79 Medicare Advantage plans from 11 carriers for 2027, including 15 new plans and 14 that are not returning.
- Compare on four things that affect you: doctors and hospitals, your prescriptions, your pharmacy, and total yearly cost — not just the monthly premium.
- Start with your ANOC (mailed in September) and then verify details on medicare.gov's Plan Finder or by calling 1-800-MEDICARE.
Indianapolis — Fall 2026. Open enrollment is here, and the window to pick a 2027 Medicare Advantage plan runs from October 15 through December 7, 2026. Whatever you choose takes effect January 1, 2027. If you do nothing, your current plan simply renews into next year — if it is still offered — with any changes spelled out in its Annual Notice of Change (ANOC).
Indianapolis sits in Marion County, where plan availability is set. For 2027, Marion County has 79 Medicare Advantage plans from 11 carriers, up slightly from 78 plans in 2026. That is a lot to sort through, but a careful side-by-side comparison in the Medicare Plan Finder makes it manageable.
What is on offer in Marion County for 2027
The 79 Medicare Advantage plans available in the county for 2027 break down this way: 22 HMO plans, 15 HMO-POS plans, and 42 PPO plans. All 79 include prescription drug coverage.
There are also Special Needs Plans (SNPs) for people who qualify: 12 Dual-Eligible SNPs (D-SNPs) for people with both Medicare and Medicaid, 13 Chronic Condition SNPs (C-SNPs) for people with qualifying conditions like diabetes, heart disease or kidney disease, and 9 Institutional SNPs (I-SNPs).
The 11 carriers offering plans in Marion County for 2027, in alphabetical order, are: Aetna (CVS Health) with 5 plans; American Health Advantage of Indiana with 1 plan; Centene (WellCare) with 3 plans; Communicare Advantage with 1 plan; Devoted Health with 6 plans; Elevance Health (Anthem) with 16 plans; Humana with 20 plans; MyTruAdvantage with 4 plans; Provider Partners Health Plans with 3 plans; UnitedHealthcare with 11 plans; and Zing Health with 9 plans. The table below lists every plan.
What's new for 2027
Fifteen plans are new in Marion County for 2027, and fourteen plans will not be returning. Some existing plans have also been renamed. If your plan is one that is leaving, you will get a non-renewal letter from your insurer — read it carefully, because it includes your options and your special enrollment rights.
Program-wide changes also matter in 2027. The Part D out-of-pocket cap rises to $2,400 (up from $2,100 in 2026), and the Part D maximum deductible rises to $700 (up from $615 in 2026). The 2027 Part B premium and deductible, and the IRMAA income brackets, have not been announced yet — CMS typically releases those figures later in the fall.
Step 1: Read your Annual Notice of Change
Your plan mailed your ANOC in September. It compares your 2026 coverage to your 2027 coverage: premium, deductible, copays, drug tier placement, the network, and extra benefits. Flag anything that changed. If a drug you take moved to a higher tier, or if your primary care doctor is no longer in-network, that is your signal to shop.
Step 2: Check doctors and hospitals
Before anything else, make a list of the providers you want to keep — your primary care doctor, specialists, and your preferred hospital system (in Indianapolis, that often means Community Health Network, IU Health, Ascension St. Vincent, Franciscan Health or Eskenazi Health). Then confirm each one is in the plan's network. The Plan Finder links to each plan's provider directory, but it is worth calling the doctor's office directly to confirm — networks can change mid-year.
HMO plans generally require you to stay in-network except for emergencies. PPO plans let you go out-of-network, usually at a higher cost. HMO-POS plans sit in between.
Step 3: Enter your prescriptions and pharmacy
This is where the Plan Finder earns its keep. Go to medicare.gov, create or sign in to your account, and enter every drug you take, with the dose and quantity. Then add your preferred pharmacy — a CVS, Walgreens, Kroger, or Meijer near you, or a mail-order option. The tool will show your estimated yearly drug cost under each plan, not just the premium.
Pharmacies matter because a "preferred" pharmacy inside a plan's network usually has lower cost-sharing than a "standard" one. The same drug, at the same chain, can cost different amounts depending on which plan you pick.
Step 4: Add it all up
Compare total estimated yearly cost — premiums plus drug costs plus expected medical copays — rather than just the sticker premium. A plan with a $0 premium can cost more over a year if your drugs are on expensive tiers or your specialist copays are high. Also look at the maximum out-of-pocket limit for medical costs; that is your worst-case ceiling.
If drug costs are a concern, ask your plan about the Medicare Prescription Payment Plan, which lets you spread Part D out-of-pocket costs across the year in monthly installments.
Step 5: Decide, enroll, and keep your paperwork
Once you have a plan in mind, enroll through medicare.gov, by calling 1-800-MEDICARE, or directly with the insurer. Save the confirmation number. If you change your mind, you have the Medicare Advantage Open Enrollment Period from January 1 through March 31, 2027, to switch to a different Advantage plan or return to Original Medicare one time.
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.
By the numbers
How people get Medicare in Marion County
(MA penetration in Marion County)
MA penetration from CMS enrollment data; Medigap share is an estimate. U.S. average is about 54% Medicare Advantage. These are area-level figures, not plan-specific.
2027 plan lineup
Medicare Advantage plans in Marion County for 2027
CMS lists 79 Medicare Advantage plans in Marion County for 2027 from 11 carriers, alphabetically by carrier.
| Plan | Type | Drug coverage | For 2027 |
|---|---|---|---|
| Aetna (CVS Health) 5 plans | |||
| Aetna Medicare Chronic Care (HMO C-SNP) | HMO C-SNP | Yes | New |
| Aetna Medicare Chronic Care Total (HMO C-SNP) | HMO C-SNP | Yes | Returning |
| Aetna Medicare Eagle (PPO) | PPO | Yes | Returning |
| Aetna Medicare Signature (PPO) | PPO | Yes | Returning |
| Aetna Medicare Value Care (PPO) | PPO | Yes | Returning |
| American Health Advantage of Indiana 1 plan | |||
| American Health Advantage of Indiana (HMO I-SNP) | HMO I-SNP | Yes | Returning |
| Centene (WellCare) 3 plans | |||
| Wellcare Giveback Open (PPO) | PPO | Yes | Returning |
| Wellcare Simple (HMO-POS) | HMO-POS | Yes | Returning |
| Wellcare Simple Open (PPO) | PPO | Yes | Returning |
| Communicare Advantage 1 plan | |||
| CommuniCare Advantage ISNP (HMO I-SNP) | HMO I-SNP | Yes | Returning |
| Devoted Health 6 plans | |||
| DEVOTED C-SNP CHOICE ENHANCED 014 IN (PPO C-SNP) | PPO C-SNP | Yes | Renamed |
| DEVOTED C-SNP CHOICE GIVEBACK EXTRAS 022 IN (PPO C-SNP) | PPO C-SNP | Yes | New |
| DEVOTED C-SNP CHOICE PLUS 013 IN (PPO C-SNP) | PPO C-SNP | Yes | Returning |
| DEVOTED CHOICE 011 IN (PPO) | PPO | Yes | Returning |
| DEVOTED CHOICE GIVEBACK 012 IN (PPO) | PPO | Yes | Returning |
| DEVOTED CHOICE GIVEBACK EXTRAS 023 IN (PPO) | PPO | Yes | New |
| Elevance Health (Anthem) 16 plans | |||
| Anthem Dual Advantage (HMO D-SNP) | HMO D-SNP | Yes | Returning |
| Anthem Extra Help (HMO-POS) | HMO-POS | Yes | Returning |
| Anthem Full Dual Advantage (HMO D-SNP) | HMO D-SNP | Yes | Returning |
| Anthem I PathWays Dual Care Advantage (HMO D-SNP) | HMO D-SNP | Yes | Returning |
| Anthem I PathWays Dual Care Advantage NFLOC (HMO D-SNP) | HMO D-SNP | Yes | Returning |
| Anthem Medicare Advantage (HMO-POS) | HMO-POS | Yes | Returning |
| Anthem Medicare Advantage (PPO) | PPO | Yes | Returning |
| Anthem Medicare Advantage (Regional PPO) | PPO | Yes | Returning |
| Anthem Medicare Advantage 2 (HMO-POS) | HMO-POS | Yes | Returning |
| Anthem Medicare Advantage 2 (PPO) | PPO | Yes | Returning |
| Anthem Medicare Advantage 3 (HMO-POS) | HMO | Yes | Renamed |
| Anthem Medicare Advantage 3 (PPO) | PPO | Yes | Returning |
| Anthem Medicare Advantage 4 (HMO-POS) | HMO | Yes | Renamed |
| Anthem Medicare Advantage 6 (HMO-POS) | HMO-POS | Yes | New |
| Anthem Medicare Advantage 7 (HMO-POS) | HMO-POS | Yes | New |
| Anthem Veteran (PPO) | PPO | Yes | Returning |
| Humana 20 plans | |||
| Humana Dual Select H4939-002 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | Returning |
| Humana Essentials Plus Giveback (PPO) | PPO | Yes | New |
| Humana Full Access (PPO) | PPO | Yes | Renamed |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) | HMO C-SNP | Yes | Returning |
| Humana Gold Plus H5619-189 (HMO-POS) | HMO-POS | Yes | New |
| Humana Gold Plus SNP-DE H4939-003 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | Returning |
| Humana PathWays Dual Care (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | Returning |
| Humana PathWays Dual Care NFLOC (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | New |
| Humana Senior Living Plan (PPO I-SNP) | PPO I-SNP | Yes | New |
| Humana Together in Health (PPO I-SNP) | PPO I-SNP | Yes | New |
| Humana Together in Health (PPO I-SNP) | PPO I-SNP | Yes | New |
| Humana USAA Honor Giveback (PPO) | PPO | Yes | Returning |
| Humana USAA Honor Giveback (PPO) | PPO | Yes | Returning |
| Humana USAA Honor Giveback (PPO) | PPO | Yes | Returning |
| Humana Value Choice (PPO) | PPO | Yes | New |
| HumanaChoice Giveback H5216-481 (PPO) | PPO | Yes | New |
| HumanaChoice H5216-053 (PPO) | PPO | Yes | Returning |
| HumanaChoice H5216-463 (PPO) | PPO | Yes | Returning |
| HumanaChoice R0110-011 (Regional PPO) | PPO | Yes | Returning |
| HumanaChoice R0110-012 (Regional PPO) | PPO | Yes | Returning |
| MyTruAdvantage 4 plans | |||
| MyTruAdvantage Choice Complete (PPO) | PPO | Yes | Returning |
| MyTruAdvantage Choice Plus (PPO) | PPO | Yes | Returning |
| MyTruAdvantage Select (HMO) | HMO | Yes | Returning |
| Red, White and Tru (PPO) | PPO | Yes | Returning |
| Provider Partners Health Plans 3 plans | |||
| Provider Partners Indiana Advantage Plan (HMO I-SNP) | HMO I-SNP | Yes | Returning |
| Provider Partners Indiana Community Plan (HMO I-SNP) | HMO I-SNP | Yes | New |
| Provider Partners Indiana Essential Plan (HMO I-SNP) | HMO I-SNP | Yes | Returning |
| UnitedHealthcare 11 plans | |||
| AARP Medicare Advantage Essentials from UHC IN-12 (HMO-POS) | HMO-POS | Yes | Returning |
| AARP Medicare Advantage Extras from UHC IN-17 (HMO-POS) | HMO-POS | Yes | Returning |
| AARP Medicare Advantage from UHC IN-0002 (PPO) | PPO | Yes | Returning |
| AARP Medicare Advantage Giveback from UHC IN-20 (HMO-POS) | HMO-POS | Yes | Returning |
| AARP Medicare Advantage Patriot No Rx IN-MA01 (PPO) | PPO | Yes | Returning |
| UHC Complete Care IN-21 (HMO-POS C-SNP) | HMO-POS C-SNP | Yes | Returning |
| UHC Dual Complete IN-Q1 (PPO D-SNP) | PPO D-SNP | Yes | Renamed |
| UHC Dual Complete IN-S002 (PPO D-SNP) | PPO D-SNP | Yes | Returning |
| UHC Nursing Home Plan IN-F001 (PPO I-SNP) | PPO I-SNP | Yes | Returning |
| UHC PathWays Dual Care IN-Y1 (PPO D-SNP) | PPO D-SNP | Yes | Renamed |
| UHC PathWays Dual Care IN-YL (PPO D-SNP) | PPO D-SNP | Yes | Renamed |
| Zing Health 9 plans | |||
| Zing Elite Balance IN-MI (HMO C-SNP) | HMO C-SNP | Yes | New |
| Zing Elite Diabetes & Heart IN (HMO C-SNP) | HMO C-SNP | Yes | Returning |
| Zing Elite Essentials Diabetes & Heart IL-IN (HMO C-SNP) | HMO C-SNP | Yes | Returning |
| Zing Elite Select IL-IN (HMO) | HMO | Yes | Returning |
| Zing Open Choice Diabetes & Heart IN (PPO C-SNP) | PPO C-SNP | Yes | Returning |
| Zing Open Choice IN (PPO) | PPO | Yes | Returning |
| Zing Select Care IN (HMO) | HMO | Yes | Returning |
| Zing Select Diabetes & Heart IN (HMO C-SNP) | HMO C-SNP | Yes | Returning |
| Zing Select Dialysis IN (HMO C-SNP) | HMO C-SNP | Yes | Returning |
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plan availability is set at the county level. 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 in Marion County for 2027
- Aetna (CVS Health) 5 plans: HMO, PPO
- American Health Advantage of Indiana 1 plan: HMO
- Centene (WellCare) 3 plans: HMO-POS, PPO
- Communicare Advantage 1 plan: HMO
- Devoted Health 6 plans: PPO
- Elevance Health (Anthem) 16 plans: HMO, HMO-POS, PPO
- Humana 20 plans: HMO, HMO-POS, PPO
- MyTruAdvantage 4 plans: HMO, PPO
- Provider Partners Health Plans 3 plans: HMO
- UnitedHealthcare 11 plans: HMO-POS, PPO
- Zing Health 9 plans: HMO, 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. Plan availability is set at the county level. 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.
Key dates
Medicare enrollment periods at a glance
- Around your 65thInitial Enrollment PeriodA 7-month window around the month you turn 65 — your first chance to sign up.
- October 15 – December 7Annual Enrollment PeriodAnyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan.
- January 1 – March 31Medicare Advantage Open EnrollmentIf you're already in a Medicare Advantage plan, you can make one change.
- January 1 – March 31General Enrollment PeriodFor people who missed their first chance to sign up for Part B.
- VariesSpecial Enrollment PeriodTriggered by life events like moving or losing other coverage.
Dates are set by Medicare and apply nationwide. Confirm your personal windows at Medicare.gov or 1-800-MEDICARE.
Explore
When can you enroll? An interactive year
Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.
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The parts of Medicare
Good to know
Frequently asked questions
What happens if I miss the December 7 deadline?
My plan is not returning in 2027. What do I do?
Do I need to re-enroll each year if I like my plan?
How do Special Needs Plans work?
- 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.
Also for Indianapolis
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This page was last updated: October 2026.