Medicare Advantage

The Medicare Advantage plans sold in Indianapolis for 2027, carrier by carrier

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 — If you live in Indianapolis and are sorting through your Medicare choices for 2027, here is a straight look at what is on the shelf. Eleven insurance carriers are selling Medicare Advantage plans in Marion County next year, and the table below lists every plan by carrier, along with its plan type and whether it includes drug coverage.

Indianapolis is in Marion County, and Medicare Advantage availability is set at the county level. That means everyone with a Marion County ZIP code sees the same menu of plans, whether they live downtown, on the north side or out toward Lawrence.

What is available in Marion County for 2027

CMS lists 72 Medicare Advantage plans in Marion County for the 2027 plan year, from 11 carriers. Of those, 57 are continuing from 2026, 15 are new, 14 are not returning, and 7 have been renamed. Twenty-two of the continuing plans change something in their terms for 2027; those changes are spelled out in each plan's Annual Notice of Change.

Every plan on the Marion County menu includes Part D prescription drug coverage. There are no stand-alone Part D drug plans listed for the county in the CMS 2027 data, so people who want Advantage-style coverage will get their drug benefit built in.

The carriers offering plans in Indianapolis

Eleven carriers are competing here in 2027. In alphabetical order, they are:

• Aetna (CVS Health) — 4 plans (HMO, PPO; 1 Special Needs)
• American Health Advantage of Indiana — 1 plan (HMO; 1 Special Needs)
• Centene (WellCare) — 6 plans (HMO-POS, PPO)
• Communicare Advantage — 1 plan (HMO; 1 Special Needs)
• Devoted Health — 4 plans (PPO; 2 Special Needs)
• Elevance Health (Anthem) — 14 plans (HMO, HMO-POS, PPO; 4 Special Needs)
• Humana — 21 plans (HMO, HMO-POS, PFFS, PPO; 6 Special Needs)
• MyTruAdvantage — 4 plans (HMO, PPO)
• Provider Partners Health Plans — 3 plans (HMO; 3 Special Needs)
• UnitedHealthcare — 12 plans (HMO-POS, PPO; 6 Special Needs)
• Zing Health — 8 plans (HMO, PPO; 5 Special Needs)

The table below lists every plan under each carrier, with the plan type and a note that drug coverage is included.

How to read the plan types

Plan type shapes how you use the coverage, so it is worth a quick primer before you scan the list.

• HMO (Health Maintenance Organization): You generally stay in-network and pick a primary care doctor. Referrals are often required to see a specialist.
• HMO-POS (Point of Service): An HMO with a limited option to go out of network for some services.
• PPO (Preferred Provider Organization): More flexibility to see out-of-network providers, usually at a higher cost share.
• PFFS (Private Fee-for-Service): You can generally see any provider who agrees to the plan's terms. PFFS availability in Marion County for 2027 is limited; see the table below for the current listing.
• SNP (Special Needs Plan): Limited to people who meet specific eligibility rules — for example, a D-SNP for people with both Medicare and Medicaid, a C-SNP for a chronic condition like diabetes or heart disease, or an I-SNP for people living in an institutional setting.

Special Needs Plans in the mix

Of the 78 plans available, 29 are Special Needs Plans. In the roster you will see D-SNPs (dual-eligible), C-SNPs (chronic condition), and I-SNPs (institutional) offered by carriers such as Aetna, Anthem, Devoted Health, Humana, UnitedHealthcare, Zing Health, Provider Partners, CommuniCare Advantage and American Health Advantage of Indiana. Because SNPs have eligibility rules, not every Indianapolis resident can join one — but if you qualify, they are worth understanding.

A few 2027 program numbers worth knowing

These are program-wide rules, not plan-specific, and they apply no matter which plan you choose:

• The Part D out-of-pocket cap is $2,100 for 2026. Once you hit it on covered drugs, you pay $0 for the rest of the year.
• The Part D maximum deductible is $615 in 2026 ($700 in 2027).
• The coverage gap (the old "donut hole") was eliminated in 2025. Part D now has three phases.
• The Medicare Prescription Payment Plan lets you spread your drug costs across the year in monthly installments instead of paying big bills at the pharmacy counter. It is optional.
• IRMAA surcharges for higher-income beneficiaries begin above $109,000 in income for a single filer in 2026.

Dates to circle

The Annual Enrollment Period runs Oct. 15 through Dec. 7. This is when most people join, switch or drop a Medicare Advantage or Part D plan for the following year. Coverage you pick starts Jan. 1.

The Medicare Advantage Open Enrollment Period runs Jan. 1 through March 31. If you are already in a Medicare Advantage plan, you get one more chance during those months to change to another Advantage plan or go back to Original Medicare (with a stand-alone Part D plan, where available).

How to compare plans without guessing

Because this article cannot quote premiums, copays, drug tiers, networks or star ratings, the fastest way to see those details for any plan on the list is:

• Go to medicare.gov and use the Plan Finder. Enter your Marion County ZIP code and your prescriptions to see personalized costs.
• Call 1-800-MEDICARE (TTY 1-877-486-2048), open 24 hours a day, seven days a week.
• Contact Indiana SHIP (State Health Insurance Assistance Program) for free, unbiased one-on-one counseling. In Indiana, SHIP is run through the state's Department of Insurance.
• Read the plan's own Summary of Benefits and Evidence of Coverage on the carrier's website before you enroll.