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Compare 123 Kentucky Medicare Advantage Plans for 2027 From 11 Carriers

FRANKFORT, Ky. — Kentuckians on Medicare have a window from October 15 through December 7, 2026 to look at their options for the next calendar year. According to the CMS Medicare Advantage Landscape Source Files for CY2027, 123 Medicare Advantage plans will be offered somewhere in Kentucky next year, from 11 carriers. Any choice made during that window takes effect January 1, 2027.

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Key takeaways

  • Kentucky will have 123 Medicare Advantage plans for 2027 from 11 carriers, with 30 new plans and 21 plans not returning.
  • Of the 123 plans, 115 include drug coverage, and 43 are Special Needs Plans (22 D-SNP, 15 C-SNP, 6 I-SNP).
  • The Annual Enrollment Period runs October 15 through December 7, 2026, and any choice you make takes effect January 1, 2027.
  • Plan-specific details — premiums, drug lists, provider networks and star ratings — should be checked on the Medicare Plan Finder at medicare.gov or by calling 1-800-MEDICARE.
Compare by Dec. 7Kentucky
Video: 3593622 Video by 3593622 on Pixabay
Key facts: Medicare in Kentucky
FactFigureSource
Part B standard monthly premium (2026)$202.90Medicare.gov
Part D out-of-pocket cap (2026)$2,100CMS
Part D out-of-pocket cap (2027)$2,400CMS
Annual Enrollment Period (for 2027 coverage)October 15 – December 7, 2026Medicare.gov
Medicare Advantage Open Enrollment PeriodJanuary 1 – March 31Medicare.gov

Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.

Availability is county by county, so a plan listed statewide may or may not be sold in the county where a reader actually lives. The comparison that matters is the one done in your own ZIP code.

How many Medicare Advantage plans are offered in Kentucky for 2027?

Kentucky will have 123 Medicare Advantage plans for 2027, offered by 11 carriers, according to the CMS MA Landscape Source File for CY2027. Of those 123 plans, 115 include prescription drug coverage. Compared with the CY2026 file, 30 plans are new for 2027 and 21 plans from 2026 are not returning.

Those are statewide counts. Each plan is sold in a defined service area, so the actual menu in Pike County will not match the menu in Jefferson County or Fayette County. The statewide total is useful as context; the county-level list from medicare.gov is what a person actually chooses from.

What plan types and Special Needs Plans are available in Kentucky for 2027?

Kentucky's 123 Medicare Advantage plans for 2027 break down by type as 31 HMO, 39 HMO-POS, 52 PPO and 1 PFFS. Within that total, 43 are Special Needs Plans: 22 D-SNP (for people with both Medicare and Medicaid), 15 C-SNP (for people with certain chronic conditions) and 6 I-SNP (for people who live in or need the level of care of an institution).

Plan type matters because it describes how you get care. HMO and HMO-POS plans generally expect you to use an in-network primary care doctor and get referrals; PPO plans allow out-of-network care, usually at a higher share of cost; PFFS plans work differently again. Special Needs Plans have eligibility rules — not everyone qualifies, and the plan must verify eligibility.

Which carriers are offering Medicare Advantage plans in Kentucky for 2027?

Eleven carriers will offer Medicare Advantage plans in Kentucky for 2027: Abilis Health, Aetna (CVS Health), American Health Advantage of Indiana, Centene (WellCare), Devoted Health, Elevance Health (Anthem), Essence Healthcare, HealthSpring, Humana, Passport Advantage and UnitedHealthcare. The full carrier-by-carrier plan counts and types are shown in the table on this page.

A few notes from the Landscape file worth calling out: Humana has the largest statewide plan count at 43, followed by UnitedHealthcare at 22 and Elevance Health (Anthem) at 16. Several carriers — Aetna, Centene (WellCare), Humana, Passport Advantage and UnitedHealthcare — offer D-SNP plans in Kentucky for 2027. Being on the list is not an endorsement; it is a factual statement that the carrier filed plans with CMS for the Kentucky market.

How do I compare the Medicare Advantage plans in my own Kentucky county for 2027?

Comparing plans in your own Kentucky county for 2027 is a step-by-step exercise, and the Medicare Plan Finder at medicare.gov is built to do it. The steps:

1. Read your Annual Notice of Change (ANOC). If you are already in a Medicare Advantage plan, your carrier mailed an ANOC in September describing what changes on January 1, 2027 — premium, copays, drug tier placement, extra benefits, service area. 2. List your doctors and hospitals. Write down every provider you want to keep seeing, including specialists. 3. List your prescriptions. Note each drug, the dose and how often you fill it. 4. List your pharmacies. Include mail-order if you use it. 5. Run the Plan Finder at medicare.gov. Enter your ZIP code, your drugs and your pharmacies. The tool returns only the plans actually offered in your county and shows the plan's premium, deductible, drug costs and star rating. 6. Check each plan's provider directory. The Plan Finder does not confirm every doctor; call the plan or check its directory to confirm your providers are in-network for 2027. 7. Read the Evidence of Coverage (EOC) for any plan you are seriously considering. It is the binding document.

If you prefer the phone, 1-800-MEDICARE (TTY 1-877-486-2048) will walk you through the same comparison, 24 hours a day.

What should I do before December 7, 2026, if I have Medicare in Kentucky?

Before December 7, 2026, Kentuckians with Medicare should confirm whether their current plan is returning for 2027 and, if so, whether the 2027 version still fits their doctors, prescriptions and budget. The Annual Enrollment Period runs October 15 through December 7, 2026, and the choice you make — or the choice you leave in place by doing nothing — takes effect January 1, 2027.

Because 21 plans are not returning for 2027, some Kentuckians will get a non-renewal notice from their carrier and will need to pick a different plan or return to Original Medicare. Because 30 plans are new, the menu in some counties will look different than it did last year. Neither fact is a reason to rush; both are reasons to actually open the ANOC and run the Plan Finder.

Where can Kentuckians get free help comparing 2027 Medicare Advantage plans?

Kentuckians can get free, unbiased help comparing 2027 Medicare Advantage plans directly from Medicare. The Medicare Plan Finder at medicare.gov is free to use and shows every plan available in your ZIP code, including premiums, drug costs and star ratings. 1-800-MEDICARE (TTY 1-877-486-2048) is staffed 24 hours a day, seven days a week, and counselors can run the same comparison with you over the phone.

Your plan's member services line, listed on your member ID card, can also confirm whether a specific doctor, hospital, drug or pharmacy is in the 2027 version of your plan.

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.

$0$50$100$150$200200820122016202020242026

Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.

The 2027 choices, by type

HMO, PPO and Special Needs Plans across Kentucky for 2027

123
Medicare Advantage plans
11
Carriers
31
HMO plans
39
HMO-POS plans
52
PPO plans
1
PFFS plans
22
Dual Special Needs (D-SNP)
15
Chronic-condition (C-SNP)
  • Abilis Health (HMO SNP) 2 plans: HMO
  • Aetna (CVS Health) 14 plans: HMO, HMO-POS, PPO
  • American Health Advantage of Indiana 1 plan: HMO
  • Centene (WellCare) 7 plans: HMO-POS, PPO
  • Devoted Health 10 plans: PPO
  • Elevance Health (Anthem) 16 plans: HMO, HMO-POS, PPO
  • Essence Healthcare 2 plans: HMO, PPO
  • HealthSpring 3 plans: HMO, PPO
  • Humana 43 plans: HMO, HMO-POS, PFFS, PPO
  • Passport Advantage 3 plans: HMO
  • UnitedHealthcare 22 plans: HMO-POS, 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. Plans are offered county by county; a plan listed for the state may not be offered in your county. 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 Kentucky for 2027

CMS lists 123 Medicare Advantage plans across Kentucky for 2027 from 11 carriers, alphabetically by carrier, widest county reach first.

PlanTypeDrug coverageCounties
Abilis Health (HMO SNP) 2 plans
Abilis Health (HMO I-SNP)HMO I-SNPYes103
Abilis Health Community (HMO I-SNP)HMO I-SNPYes93
Aetna (CVS Health) 14 plans
Aetna Medicare HIDE (HMO D-SNP)HMO D-SNPYes87
Aetna Medicare Partial Dual (HMO D-SNP)HMO D-SNPYes87
Aetna Medicare Eagle Giveback (PPO)PPONo75
Aetna Medicare Value Plus (PPO)PPOYes75
Aetna Medicare Signature (PPO)PPOYes32
Aetna Medicare Chronic Care (HMO C-SNP)HMO C-SNPYes26
Aetna Medicare Signature Extra (HMO-POS)HMO-POSYes26
Aetna Medicare Signature (HMO-POS)HMO-POSYes23
Aetna Medicare Chronic Care (HMO C-SNP)HMO C-SNPYes18
Aetna Medicare Signature (HMO-POS)HMO-POSYes18
Aetna Medicare Signature (PPO)PPOYes14
Aetna Medicare Chronic Care (HMO C-SNP)HMO C-SNPYes9
Aetna Medicare Signature (HMO-POS)HMO-POSYes9
Aetna Medicare Premier (PPO)PPOYes3
American Health Advantage of Indiana 1 plan
American Health Advantage of Kentucky (HMO I-SNP)HMO I-SNPYes7
Centene (WellCare) 7 plans
Wellcare Dual Access (HMO-POS D-SNP)HMO-POS D-SNPYes120
Wellcare Dual Access Sync Open (PPO D-SNP)PPO D-SNPYes120
Wellcare Dual Liberty Sync (HMO-POS D-SNP)HMO-POS D-SNPYes120
Wellcare Dual Reserve (HMO-POS D-SNP)HMO-POS D-SNPYes120
Wellcare Giveback (HMO-POS)HMO-POSYes120
Wellcare Simple (HMO-POS)HMO-POSYes120
Wellcare Simple Open (PPO)PPOYes120
Devoted Health 10 plans
DEVOTED C-SNP CHOICE PLUS 004 KY (PPO C-SNP)PPO C-SNPYes101
DEVOTED CHOICE GIVEBACK 002 KY (PPO)PPOYes101
DEVOTED C-SNP CHOICE ENHANCED 006 KY (PPO C-SNP)PPO C-SNPYes87
DEVOTED C-SNP CHOICE GIVEBACK EXTRAS 008 KY (PPO C-SNP)PPO C-SNPYes87
DEVOTED CHOICE 001 KY (PPO)PPOYes87
DEVOTED CHOICE GIVEBACK EXTRAS 011 KY (PPO)PPOYes87
DEVOTED C-SNP CHOICE ENHANCED 005 KY (PPO C-SNP)PPO C-SNPYes14
DEVOTED C-SNP CHOICE GIVEBACK EXTRAS 009 KY (PPO C-SNP)PPO C-SNPYes14
DEVOTED CHOICE 003 KY (PPO)PPOYes14
DEVOTED CHOICE GIVEBACK EXTRAS 010 KY (PPO)PPOYes14
Elevance Health (Anthem) 16 plans
Anthem Chronic Care Advantage (HMO C-SNP)HMO C-SNPYes120
Anthem Kidney Care (HMO-POS C-SNP)HMO-POS C-SNPYes120
Anthem Medicare Advantage (PPO)PPOYes120
Anthem Medicare Advantage (Regional PPO)PPOYes120
Anthem Medicare Advantage 3 (PPO)PPOYes120
Anthem Veteran (PPO)PPONo120
Anthem Medicare Advantage (HMO-POS)HMO-POSYes97
Anthem Medicare Advantage 2 (HMO-POS)HMO-POSYes97
Anthem Medicare Advantage (HMO-POS)HMO-POSYes6
Anthem Medicare Advantage 2 (HMO-POS)HMO-POSYes6
Anthem Medicare Advantage (HMO-POS)HMO-POSYes5
Anthem Medicare Advantage 2 (HMO-POS)HMO-POSYes5
Anthem Medicare Advantage (HMO-POS)HMO-POSYes4
Anthem Medicare Advantage (HMO-POS)HMO-POSYes4
Anthem Medicare Advantage 2 (HMO-POS)HMO-POSYes4
Anthem Medicare Advantage 2 (HMO-POS)HMO-POSYes4
Essence Healthcare 2 plans
Essence Advantage (HMO)HMOYes21
Essence Advantage Choice (PPO)PPOYes21
HealthSpring 3 plans
HealthSpring Preferred (HMO)HMOYes5
HealthSpring Preferred Savings (HMO)HMOYes5
HealthSpring True Choice (PPO)PPOYes5
Humana 43 plans
Humana Essentials Plus Giveback (PPO)PPOYes120
Humana Senior Living Plan (PPO I-SNP)PPO I-SNPYes120
Humana Together in Health (PPO I-SNP)PPO I-SNPYes120
Humana Together in Health (PPO I-SNP)PPO I-SNPYes120
Humana USAA Honor Giveback (PPO)PPONo120
Humana USAA Honor Giveback (PPO)PPONo120
HumanaChoice R0110-011 (Regional PPO)PPONo120
HumanaChoice R0110-012 (Regional PPO)PPOYes120
Humana Dual QMB Only (HMO D-SNP)HMO D-SNPYes115
Humana Dual Select H5619-075 (HMO D-SNP)HMO D-SNPYes115
Humana Gold Plus SNP-DE H5619-163 (HMO D-SNP)HMO D-SNPYes115
HumanaChoice H5216-188 (PPO)PPOYes115
HumanaChoice SNP-DE H5525-045 (PPO D-SNP)PPO D-SNPYes103
Humana Value Choice (PPO)PPOYes95
HumanaChoice H5216-317 (PPO)PPOYes95
HumanaChoice Giveback H5216-322 (PPO)PPOYes87
HumanaChoice H5216-226 (PPO)PPOYes83
Humana Gold Plus H5619-188 (HMO)HMOYes50
HumanaChoice H5525-008 (PPO)PPOYes43
Humana Gold Plus H5619-188 (HMO)HMOYes32
HumanaChoice H5216-019 (PPO)PPOYes26
Humana Gold Choice H8145-052 (PFFS)PFFSYes8
Humana Community (HMO)HMOYes5
Humana Dual QMB Only (HMO D-SNP)HMO D-SNPYes5
Humana Essentials Plus Giveback (PPO)PPOYes5
Humana Gold Plus - Diabetes and Heart (HMO C-SNP)HMO C-SNPYes5
Humana Gold Plus H0292-003 (HMO)HMOYes5
Humana Gold Plus H6622-021 (HMO-POS)HMO-POSYes5
Humana Gold Plus H6622-055 (HMO)HMOYes5
Humana Gold Plus SNP-DE H6622-018 (HMO D-SNP)HMO D-SNPYes5
HumanaChoice Giveback H5216-481 (PPO)PPOYes5
Humana Gold Plus H0292-002 (HMO)HMOYes4
HumanaChoice H5216-285 (PPO)PPOYes4
HumanaChoice H7617-004 (PPO)PPOYes4
HumanaChoice H5216-023 (PPO)PPOYes3
HumanaChoice H5525-030 (PPO)PPOYes3
Humana Gold Plus H5619-113 (HMO-POS)HMO-POSYes2
Humana Value Choice (PPO)PPOYes2
Humana Community (HMO)HMOYes1
Humana Community (HMO)HMOYes1
Humana Community HMO Diabetes and Heart (HMO C-SNP)HMO C-SNPYes1
Humana Gold Plus - Diabetes and Heart (HMO C-SNP)HMO C-SNPYes1
Humana Gold Plus H5619-189 (HMO-POS)HMO-POSYes1
Passport Advantage 3 plans
Passport Advantage (HMO D-SNP)HMO D-SNPYes66
Passport Advantage (HMO D-SNP)HMO D-SNPYes8
Passport Advantage (HMO D-SNP)HMO D-SNPYes1
UnitedHealthcare 22 plans
UHC Dual Advantage KY-V1 (HMO-POS D-SNP)HMO-POS D-SNPYes119
UHC Dual Complete KY-Q1 (PPO D-SNP)PPO D-SNPYes118
UHC Dual Complete KY-S3 (PPO D-SNP)PPO D-SNPYes118
AARP Medicare Advantage from UHC KY-0003 (PPO)PPOYes115
AARP Medicare Advantage Giveback from UHC KY-4 (HMO-POS)HMO-POSYes115
AARP Medicare Advantage Patriot No Rx KY-MA01 (PPO)PPONo115
AARP Medicare Advantage from UHC KY-0002 (HMO-POS)HMO-POSYes110
AARP Medicare Advantage from UHC KY-1 (HMO-POS)HMO-POSYes110
AARP Medicare Advantage from UHC KY-5 (HMO-POS)HMO-POSYes110
AARP Medicare Advantage Patriot No Rx KY-MA2 (HMO-POS)HMO-POSNo110
UHC Complete Care KY-6 (HMO-POS C-SNP)HMO-POS C-SNPYes110
UHC Dual Complete KY-Q2 (HMO-POS D-SNP)HMO-POS D-SNPYes87
UHC Dual Complete KY-S4 (HMO-POS D-SNP)HMO-POS D-SNPYes87
UHC Dual Complete KY-Q2 (HMO-POS D-SNP)HMO-POS D-SNPYes32
UHC Dual Complete KY-S4 (HMO-POS D-SNP)HMO-POS D-SNPYes32
AARP Medicare Advantage Essentials from UHC OH-7 (HMO-POS)HMO-POSYes5
AARP Medicare Advantage Extras from UHC OH-13 (HMO-POS)HMO-POSYes5
AARP Medicare Advantage from UHC OH-0001 (HMO-POS)HMO-POSYes5
AARP Medicare Advantage from UHC OH-19 (HMO-POS)HMO-POSYes5
UHC Complete Care OH-18 (HMO-POS C-SNP)HMO-POS C-SNPYes5
AARP Medicare Advantage from UHC OH-23 (PPO)PPOYes3
AARP Medicare Advantage Patriot No Rx OH-MA01 (PPO)PPONo3

Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plans are offered county by county; a plan listed for the state may not be offered in your county. 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.

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When can you enroll? An interactive year

JFMAMJJASOND
October 15 – December 7 — anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan. Changes take effect January 1.

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

Part A covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health care. Most people pay no premium for Part A.

Good to know

Frequently asked questions

How many Medicare Advantage plans will Kentucky have in 2027?
Kentucky will have 123 Medicare Advantage plans in 2027, offered by 11 carriers, according to the CMS MA Landscape Source File for CY2027. Of those, 115 include prescription drug coverage, and 43 are Special Needs Plans. Availability is county by county, so the plans offered in your county will be a subset of the statewide total.
When is the Annual Enrollment Period for 2027 Medicare Advantage plans?
The Annual Enrollment Period runs October 15 through December 7, 2026. A plan choice made during that window takes effect January 1, 2027. If you do nothing and your current plan is returning, you generally stay in it under its 2027 terms.
What happens if my Medicare Advantage plan is not returning for 2027 in Kentucky?
If your plan is one of the 21 Kentucky plans not returning for 2027, your carrier is required to send a non-renewal notice. You can pick a different Medicare Advantage plan during the Annual Enrollment Period, or return to Original Medicare and consider a stand-alone Part D drug plan. A Special Enrollment Period may also apply; 1-800-MEDICARE can confirm the dates for your situation.
Where do I find premiums, drug costs and star ratings for 2027 plans in my county?
Those plan-specific details are on the Medicare Plan Finder at medicare.gov, which shows every plan available in your ZIP code with its premium, deductible, drug costs and star rating. You can also call 1-800-MEDICARE (TTY 1-877-486-2048) or read the Evidence of Coverage posted by each plan.
Sources & further reading
  • 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.

Sources and methodology

Figures cited in this article

  • CMS — Medicare Advantage Landscape Source File (CY2027): the Kentucky 2027 plan counts, carriers, plan types and SNP counts.
  • CMS — Medicare Advantage Landscape Source Files (CY2026 and CY2027): the year-over-year comparison, including new plans and plans not returning.
  • Medicare.gov — Medicare enrollment periods: the Annual Enrollment Period dates and the January 1 effective date.
  • Medicare.gov — Medicare Plan Finder: the tool for comparing plan-specific premiums, drug coverage, networks and star ratings in your own county.

How we put this together: area counts come from the CMS files listed above for the county that contains this city, program figures come from CMS, Medicare.gov and the Social Security Administration, and no plan is ranked or recommended.

By The Medicare Desk · Published . For personalized answers, contact Medicare.gov or 1-800-MEDICARE.

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This page was last updated: October 2026.

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