Medicare Advantage

UnitedHealthcare Medicare Advantage in Indiana for 2027: 22 Plans, County by County

INDIANAPOLIS — For the 2027 plan year, UnitedHealthcare is offering 22 Medicare Advantage plans across Indiana, according to the Centers for Medicare & Medicaid Services (CMS) Landscape Source Files. The lineup includes a mix of HMO-POS and PPO plans, several Special Needs Plans, and one plan from last year that is not returning. This explainer, published by an independent Medicare education site that is not the government and not affiliated with UnitedHealthcare or any insurance carrier, walks through what the CMS files show for Indiana — and how to check whether any given plan is actually offered in your county.

What does UnitedHealthcare offer across Indiana for 2027?

UnitedHealthcare lists 22 Medicare Advantage plans in Indiana for the 2027 plan year, per the CMS Landscape Source File. Of those, 9 are HMO-POS plans and 13 are PPO plans. Twenty-one of the 22 include Part D prescription drug coverage; one is offered without drug coverage.

Six of the 22 are Special Needs Plans: 4 Dual Eligible Special Needs Plans (D-SNPs) for people with both Medicare and Medicaid, 1 Chronic Condition Special Needs Plan (C-SNP), and 1 Institutional Special Needs Plan (I-SNP) for people living in a qualifying long-term care setting. Special Needs Plans have eligibility rules beyond ordinary Medicare Advantage enrollment.

For statewide context, CMS lists 12 carriers offering Medicare Advantage plans in Indiana for 2027, with 140 plans in total across all carriers. UnitedHealthcare is one of those 12 carriers.

Which UnitedHealthcare plans reach the most Indiana counties for 2027?

The widest-reaching UnitedHealthcare plans in Indiana for 2027, by county count in the CMS file, are the two D-SNPs branded UHC PathWays Dual Care (IN-Y1 and IN-YL) and UHC Dual Complete (IN-Q1 and IN-S002), each offered in 92 counties. The AARP Medicare Advantage Giveback from UHC IN-20 (HMO-POS) and the UHC Complete Care IN-21 (HMO-POS C-SNP) are each listed in 68 counties, and the AARP Medicare Advantage Patriot No Rx IN-MA01 (PPO), a plan without drug coverage, is listed in 63 counties.

Other plans in the lineup — including several AARP Medicare Advantage HMO-POS and PPO plans — reach smaller sets of counties, from a handful up to the 30s. The full plan-by-plan county counts are shown in the table on this page; because availability is set county by county, a plan listed statewide may not be sold where you live.

What is new or not returning from UnitedHealthcare in Indiana for 2027?

For 2027 in Indiana, UnitedHealthcare has no new Medicare Advantage plans and 1 plan from 2026 that is not returning, according to the CMS year-over-year Landscape files. Members in a plan that is not returning will receive a non-renewal notice from the carrier and have options during the Annual Enrollment Period and, in many cases, a Special Enrollment Period.

The CMS files also show four plans renamed from 2026 to 2027: UHC Dual Complete IN-Q1 (previously IN-D001), UHC PathWays Dual Care IN-Y1 (previously IN-S1), and UHC PathWays Dual Care IN-YL (previously IN-S3). A rename is a labeling change in the CMS file; whether anything else about the plan changed is spelled out in the plan's Annual Notice of Change.

How do I check whether a UnitedHealthcare plan is offered in my Indiana county and covers my doctors and prescriptions?

To check whether a specific UnitedHealthcare plan is offered in your Indiana county for 2027 and whether it covers your doctors and prescriptions, use the Medicare Plan Finder at medicare.gov, call 1-800-MEDICARE (1-800-633-4227, TTY 711), or read the plan's Evidence of Coverage and provider and pharmacy directories.

Three things are worth confirming before enrolling:

1. County availability — type in your ZIP code and county on medicare.gov to see which of the 22 UnitedHealthcare plans are actually offered where you live. 2. Providers — check the plan's current provider directory for your primary care doctor, specialists, and preferred hospital. 3. Prescriptions — enter each medication (name, dose, frequency) into Plan Finder to see how it is handled under a given plan's formulary.

Costs, benefits, networks, formularies, and star ratings vary by plan and can change year to year. This article does not list those details for any plan.

What should Indiana Medicare beneficiaries do before December 7, 2026?

Before December 7, 2026, Indiana Medicare beneficiaries should review the Annual Notice of Change from their current plan and compare it with other options on medicare.gov. The Annual Enrollment Period runs October 15 – December 7, 2026, and any choice made in that window takes effect January 1, 2027.

A simple checklist:

• Read the Annual Notice of Change your plan mailed in late September.
• Make a current list of your doctors, hospitals, and prescriptions.
• Run that list through the Medicare Plan Finder at medicare.gov to compare any plans available in your county.
• If a plan is leaving your county or you are enrolled in the one UnitedHealthcare plan not returning for 2027, note the enrollment windows that apply to you.

Special Needs Plan eligibility (D-SNP, C-SNP, I-SNP) has its own rules; medicare.gov and 1-800-MEDICARE can confirm whether you qualify.

Where can Indiana residents get free help comparing Medicare plans for 2027?

Indiana residents can get free, unbiased help comparing 2027 Medicare plans from medicare.gov and from 1-800-MEDICARE (TTY 711), which are available 24 hours a day, seven days a week. Both are run by the federal Medicare program and can walk through plan options, Special Needs Plan eligibility, Extra Help with drug costs, and enrollment windows.

You can also contact UnitedHealthcare directly for plan-specific documents such as the Summary of Benefits, Evidence of Coverage, provider directory, and formulary.