Medicare Advantage

Henderson County KY Medicare Options 2027

Medicare in Henderson: how many plan options were available in Henderson County for 2026, and how to check the 2027 lineup.

HENDERSON, Ky. — If you're sorting through Medicare choices this fall for 2027 coverage, you have plenty to look at. Henderson is in Henderson County, where 57 Medicare Advantage plans were available for the 2026 plan year, according to the CMS Medicare Plan Finder and the annual MA/Part D Landscape data. The 2027 lineup is detailed in each plan's Annual Notice of Change and on Medicare.gov's Plan Finder. That's a lot of options for the roughly 8,484 residents age 65 and older who call the county home.

Here's a plain-English look at what's on the menu locally, and the program-wide rules that apply no matter which path you take.

What "57 plans" actually means

The 57 figure counts Medicare Advantage plans (Part C) offered in Henderson County for 2026; the 2027 count will appear on Medicare.gov's Plan Finder. Medicare Advantage is the private-plan alternative to Original Medicare, and most of these plans also include prescription drug coverage (MA-PD).

Six carriers are offering MA-PD coverage in the area. That means the 57 options aren't 57 different companies — it's a smaller group of insurers, each with several plan designs (for example, HMO vs. PPO, or different drug formularies).

Plan availability is set at the county level by CMS, so every person with a Henderson mailing address in Henderson County sees the same menu.

What about stand-alone drug plans?

The 2026 landscape file showed 0 stand-alone Part D prescription drug plans (PDPs) listed for the county. That's unusual and worth double-checking on medicare.gov's Plan Finder before you make any decisions for 2027, because PDP availability is normally set at the regional level and Kentucky sits in a multi-state PDP region.

If you keep Original Medicare (Part A and Part B) and want drug coverage, a stand-alone PDP is normally how you get it. If Plan Finder shows options for your ZIP code that this file doesn't, trust Plan Finder — it's the live source.

Program-wide rules for 2026 and 2027

Some things don't depend on where you live:

• Part D out-of-pocket cap: Once your covered drug spending hits the annual cap, you pay nothing more for the rest of the year on covered drugs. The cap is $2,100 in 2026 and $2,400 in 2027.
• Part D deductible: No plan can charge more than $615 as its drug deductible in 2026, or more than $700 in 2027.
• No more "donut hole": Since 2025, Part D has three simpler phases — deductible, initial coverage, and catastrophic — instead of the old coverage gap.
• Medicare Prescription Payment Plan: You can ask to spread your yearly drug costs into level monthly payments instead of paying big amounts at the pharmacy counter.
• IRMAA: Higher-income enrollees pay an extra Part B and Part D surcharge. For 2026, it starts above $109,000 in income for a single filer (based on your 2024 tax return).

About Star Ratings in this area

CMS publishes Star Ratings each fall to measure plan quality on things like customer service and care management. For the 2026 rating cycle, 0 contracts serving this area came in at 4 stars or higher. CMS publishes the 2027 Star Ratings later this fall. Ratings can shift year to year, and a rating attaches to a contract — which may cover several plans — so use stars as one input, not the whole decision.

Dates to circle

• Oct. 15 – Dec. 7: Medicare Annual Enrollment Period. You can join, switch, or drop a Medicare Advantage or Part D plan. Changes take effect Jan. 1.
• Jan. 1 – March 31: Medicare Advantage Open Enrollment. If you're already in a Medicare Advantage plan, you get one chance to switch to another MA plan or go back to Original Medicare (and add a PDP).

Missing these windows usually means waiting a full year unless you qualify for a Special Enrollment Period.

Where to get unbiased help

Comparing 57 plans on your own is a lot. A few places to turn for free, unbiased guidance:

• Medicare.gov Plan Finder — enter your ZIP code and your prescriptions to see current options and estimated yearly costs.
• 1-800-MEDICARE (1-800-633-4227), 24/7.
• Kentucky SHIP (State Health Insurance Assistance Program) — free one-on-one counseling for Kentuckians on Medicare. Call 1-877-293-7447 to find a local counselor.