Medicare Advantage

New Medicare Advantage plans in Indianapolis for 2027: the carrier-by-carrier list

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.

INDIANAPOLIS — This fall, Marion County seniors shopping for 2027 Medicare Advantage coverage will see some names on the list that were not there a year ago. According to the CMS Medicare Advantage Landscape Source Files, 15 of the 79 Medicare Advantage plans offered in Marion County for 2027 are brand new, coming from six carriers. A new plan can look appealing on paper, but it has no local track record yet — so it deserves an extra round of homework before the Annual Enrollment Period closes on December 7, 2026.

What "new for 2027" means in Marion County

Each year CMS publishes a Landscape Source File that lists every Medicare Advantage plan offered in each county for the coming year. Comparing the 2026 and 2027 files for Marion County shows 15 plans that were not sold here last year. All 15 include drug coverage.

Several of the new plans are Special Needs Plans (SNPs) — plans designed for people with specific chronic conditions (C-SNP), people who qualify for both Medicare and Medicaid (D-SNP), or people who live in a nursing-home-level setting (I-SNP). You generally need to meet the SNP's eligibility rules to enroll.

The full roster of plans available in Marion County, including the new ones, appears in the table on this page.

The 15 new plans, by carrier

In alphabetical order by carrier, these are the Medicare Advantage plans new to Marion County for 2027:

• Aetna (CVS Health) — Aetna Medicare Chronic Care (HMO C-SNP), with drug coverage
• Devoted Health — DEVOTED C-SNP CHOICE GIVEBACK EXTRAS 022 IN (PPO C-SNP); DEVOTED CHOICE GIVEBACK EXTRAS 023 IN (PPO) — both with drug coverage
• Elevance Health (Anthem) — Anthem Medicare Advantage 6 (HMO-POS); Anthem Medicare Advantage 7 (HMO-POS) — both with drug coverage
• Humana — Humana Essentials Plus Giveback (PPO); Humana Gold Plus H5619-189 (HMO-POS); Humana PathWays Dual Care NFLOC (HMO-POS D-SNP); Humana Senior Living Plan (PPO I-SNP); Humana Together in Health (PPO I-SNP); Humana Together in Health (PPO I-SNP); Humana Value Choice (PPO); HumanaChoice Giveback H5216-481 (PPO) — all with drug coverage
• Provider Partners Health Plans — Provider Partners Indiana Community Plan (HMO I-SNP), with drug coverage
• Zing Health — Zing Elite Balance IN-MI (HMO C-SNP), with drug coverage

Every one of these plans includes Part D drug coverage.

How a new plan is different from one that is renewing

A renewing plan has a history: CMS Star Ratings, past Annual Notices of Change, and your own experience if you have been in it. A plan appearing for the first time in 2027 does not have that record yet. CMS Star Ratings are based on past performance, so a new plan simply will not have one for its first year. That is neither a red flag nor a selling point — it just means you will need to lean more on the plan documents and the Plan Finder, and less on history, when you compare.

The things you can check for a new plan are the same things you should check for any plan: the monthly premium, the drug deductible, the pharmacy and provider networks, the formulary tier your prescriptions fall into, the out-of-pocket maximum, and any extra benefits.

How to vet any plan — new or renewing — before December 7

Give yourself an unhurried hour and work through this short list:

1. Make a list of every prescription you take (name, dose, how often) and every doctor, specialist, hospital and pharmacy you want to keep using. 2. Open the Medicare Plan Finder at medicare.gov. Sign in so your drugs save, enter your ZIP code, and compare plans side by side. The Plan Finder shows each plan's premium, deductible, estimated yearly drug costs for your medications, and whether your pharmacy is in network. 3. Check the provider directory on the carrier's own website for each doctor and hospital you listed. Networks can change year to year, even in a plan that is renewing. 4. Read the plan's Summary of Benefits for extras you actually use — dental, vision, hearing, over-the-counter allowances, transportation. If a benefit matters to you, confirm it is in the plan documents, not just the ad. 5. If you have a current plan, read the ANOC your insurer mailed in September. It spells out what is changing for 2027. 6. Call 1-800-MEDICARE (24/7) or the plan itself if anything is unclear.

If you do nothing by December 7, 2026, your current plan simply renews for 2027 — as long as it is still being offered — with the changes described in the ANOC.

A few 2027 program facts worth knowing

These apply to all Part D and Medicare Advantage drug plans, including the new ones:

• The Part D out-of-pocket cap rises to $2,400 in 2027 (up from $2,100 in 2026).
• The Part D maximum deductible is $700 in 2027 (up from $615 in 2026).
• The Medicare Prescription Payment Plan — optional monthly smoothing of your drug costs across the year — continues to be available.
• CMS typically announces the 2027 Part B standard premium, Part B deductible and IRMAA income brackets later in the fall; those figures were not yet published when this article was written.