Medicare Advantage
Indianapolis Medicare Advantage for 2027: how HMO, HMO-POS and PPO plans stack up
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
- Marion County's 2027 Medicare Advantage lineup is 79 plans from 11 carriers, split into 22 HMOs, 15 HMO-POS and 42 PPOs.
- HMOs usually keep care inside a network; PPOs let you go out of network at a higher cost; HMO-POS adds a limited out-of-network option to an HMO.
- The right plan type depends on your own doctors, hospitals and travel habits — no type is "better" or cheaper on its own.
- The Annual Enrollment Period runs Oct. 15 – Dec. 7, 2026; changes you make take effect Jan. 1, 2027.
INDIANAPOLIS — As the Annual Enrollment Period opens for 2027 coverage, Marion County shoppers will see a Medicare Advantage menu that leans heavily toward one plan type. Of the 79 Medicare Advantage plans offered in the county for 2027, 42 are PPOs, 22 are HMOs and 15 are HMO-POS, according to the CMS Medicare Advantage Landscape Source Files. No PFFS plans are on the 2027 lineup for Marion County — a shift from the current plan year.
That split matters because the letters after a plan name are a shortcut for how it handles doctors, referrals and care you get outside the network. Here is what each one means, and which carriers are offering which type next year.
How the 2027 plans split by type
Here is the Marion County picture for plan year 2027, straight from the CMS Landscape file:
- PPO: 42 plans
- HMO: 22 plans
- HMO-POS: 15 plans
- PFFS: 0 plans
Combined, HMO-style plans (HMO plus HMO-POS) come to 37, so PPOs make up a slim majority of the lineup. The table on this page lists every plan by carrier.
What each plan type actually means
Plan type is a program-level rule set, not a brand. These descriptions apply to Medicare Advantage anywhere, not to any specific plan sold here.
HMO (Health Maintenance Organization). You pick a primary care doctor and generally use providers in the plan's network. Many HMOs require a referral to see a specialist. Care outside the network is typically not covered except for emergencies, urgent care and out-of-area dialysis.
HMO-POS (HMO with a Point-of-Service option). It is an HMO with a limited out-of-network door. The plan decides which services you can get out of network and at what cost share. Referral rules still vary by plan.
PPO (Preferred Provider Organization). You can see any Medicare-approved provider who will take the plan. In-network care usually costs less than out-of-network care, and most PPOs do not require referrals to see a specialist.
PFFS (Private Fee-for-Service). These plans set the terms providers must accept to see you. Any provider who agrees to those terms at the time of your visit can treat you. No PFFS plans are being offered in Marion County for 2027.
Which type fits best depends on who your doctors are, which hospitals you use, whether you travel or live part of the year elsewhere, and whether you want the flexibility to go out of network without preapproval. For your prescriptions, check each plan's own drug list; all 79 plans in Marion County for 2027 include drug coverage.
Which carriers offer which type for 2027
From the CMS Landscape file for Marion County, plan year 2027:
Carriers offering HMO plans: Aetna (CVS Health), American Health Advantage of Indiana, Communicare Advantage, Elevance Health (Anthem), Humana, MyTruAdvantage, Provider Partners Health Plans, Zing Health.
Carriers offering HMO-POS plans: Centene (WellCare), Elevance Health (Anthem), Humana, UnitedHealthcare.
Carriers offering PPO plans: Aetna (CVS Health), Centene (WellCare), Devoted Health, Elevance Health (Anthem), Humana, MyTruAdvantage, UnitedHealthcare, Zing Health.
A few carriers offer more than one plan type, so if you want a specific company you may still have a choice of structure. The full roster — every plan, its type and whether it includes drug coverage — is in the table below.
What is changing in Marion County for 2027
Compared with the current plan year, the 2027 lineup has 15 new plans, 14 plans not returning and 7 renamed. The total goes from 78 plans this year to 79 next year, and the carrier count stays at 11.
If you already have a Medicare Advantage plan, read the Annual Notice of Change (ANOC) your insurer mails in late September. It spells out what is different about your plan for 2027 — the network, the drug list, the cost shares and any benefit changes. If your plan is one that is not returning, you will get a non-renewal notice and a Special Enrollment Period to pick something else.
If you do nothing and your plan is being offered again, it rolls over on Jan. 1, 2027, with the changes in the ANOC.
Timeline and figures to keep in mind
- Annual Enrollment Period: Oct. 15 – Dec. 7, 2026. Changes take effect Jan. 1, 2027.
- Medicare Advantage Open Enrollment: Jan. 1 – March 31, 2027. If you are in a Medicare Advantage plan on Jan. 1, you get one chance to switch to a different Advantage plan or return to Original Medicare.
- Part D out-of-pocket cap: $2,100 in 2026, rising to $2,400 in 2027.
- Part D maximum deductible: $615 in 2026, rising to $700 in 2027.
- Part B premium and deductible for 2027, and the 2027 IRMAA income brackets: CMS publishes these later in the fall, usually in November.
How to check a specific plan
Compliance rules keep us from publishing any plan's premium, copays, network, drug list or star rating. Those details live in official sources that are updated for 2027:
- The Medicare Plan Finder at medicare.gov lets you enter your ZIP code, your doctors and your drugs and see what each plan would cost you.
- 1-800-MEDICARE (TTY 1-877-486-2048) is open 24 hours a day, seven days a week.
- Each plan's Evidence of Coverage and provider and pharmacy directories are on the carrier's website.
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.
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.
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.
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.
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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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Good to know
Frequently asked questions
Do I need a referral to see a specialist in a Medicare Advantage PPO?
What is the difference between HMO and HMO-POS?
My plan is not on the 2027 list — what happens next?
Can I switch plan types after Jan. 1?
- 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.