Medicare Advantage
Does your doctor take UnitedHealthcare in Louisville for 2027?
LOUISVILLE, Ky. — As the Annual Enrollment Period runs October 15 through December 7, 2026, UnitedHealthcare's 2027 Medicare Advantage lineup in Jefferson County, where Louisville sits, has shifted: three plans are new, two are not coming back, and four kept their shape but got new names. Any choice made in this window takes effect January 1, 2027.
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Key takeaways
- UnitedHealthcare will offer 13 Medicare Advantage plans in Jefferson County for 2027, all with drug coverage.
- Three plans are new for 2027, two are not returning, and four have been renamed; the Annual Notice of Change explains what shifted.
- The deadline to pick a plan for January 1, 2027 coverage is December 7, 2026; if you do nothing, your current plan renews if it is offered next year.
- Before December 7, confirm your doctors, hospitals and prescriptions against each plan at medicare.gov or by calling 1-800-MEDICARE.
| Fact | Figure | Source |
|---|---|---|
| Medicare Advantage plans offered in Jefferson County (2026) | 67 | CMS |
| Medicare Advantage plans offered in Jefferson County (2027) | 67 | CMS |
| Plans not returning for 2027 / new for 2027 | 13 / 13 | CMS |
| Organizations offering Medicare Advantage in Jefferson County (2026) | 10 | CMS |
| Share of eligible beneficiaries in Medicare Advantage, Jefferson County | 51% | CMS |
| Residents age 65 and older, Jefferson County | 134,317 | U.S. Census Bureau |
| Part B standard monthly premium (2026) | $202.90 | Medicare.gov |
| Part D out-of-pocket cap (2026) | $2,100 | CMS |
| Part D out-of-pocket cap (2027) | $2,400 | CMS |
| Annual Enrollment Period (for 2027 coverage) | October 15 – December 7, 2026 | Medicare.gov |
| Medicare Advantage Open Enrollment Period | January 1 – March 31 | Medicare.gov |
Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.
MyMedicarePlans.org is an independent consumer site, not UnitedHealthcare, and other carriers also sell Medicare Advantage plans in the county. The full list of UnitedHealthcare's 2027 plans is in the table below.
How many UnitedHealthcare Medicare Advantage plans will be offered in Louisville for 2027?
UnitedHealthcare will offer 13 Medicare Advantage plans in Jefferson County, Kentucky — the county Louisville is in — for 2027. By type, that breaks down to 9 HMO-POS plans and 4 PPO plans, and all 13 include Part D drug coverage.
Nine other carriers also sell Medicare Advantage plans in the county for 2027, so UnitedHealthcare is one of ten choices on the overall ballot of 67 plans countywide. This article covers only UnitedHealthcare's lineup; the full plan-by-plan table appears below.
What is new or not returning from UnitedHealthcare in Jefferson County for 2027?
Three UnitedHealthcare plans are new in the county for 2027, two plans sold in 2026 are not returning, and four kept their structure but changed name. The specifics are in the carrier's Annual Notice of Change (ANOC) mailed to current members in September.
The new 2027 names are AARP Medicare Advantage Patriot No Rx KY-MA2 (HMO-POS), UHC Dual Complete KY-Q2 (HMO-POS D-SNP), and UHC Dual Complete KY-S4 (HMO-POS D-SNP). The renamed ones are AARP Medicare Advantage from UHC KY-1 (HMO-POS), which was AARP Medicare Advantage Essentials from UHC KY-1; AARP Medicare Advantage from UHC KY-5 (HMO-POS), which was AARP Medicare Advantage Extras from UHC KY-5; UHC Dual Advantage KY-V1 (HMO-POS D-SNP), which was UHC Dual Complete KY-V001; and UHC Dual Complete KY-Q1 (PPO D-SNP), which was UHC Dual Complete KY-S001. If you are enrolled in a plan that is not returning, Medicare will send a non-renewal notice and you can pick a different plan during AEP or use a Special Enrollment Period.
Which UnitedHealthcare Special Needs Plans are available in Louisville for 2027?
UnitedHealthcare will offer 6 Special Needs Plans in Jefferson County for 2027: 5 Dual Eligible SNPs (D-SNPs) for people who have both Medicare and Medicaid, and 1 Chronic Condition SNP (C-SNP) for people with a qualifying chronic condition. There are no Institutional SNPs on its 2027 lineup here.
SNPs have eligibility rules beyond age and ZIP code. For a D-SNP, you need to qualify for Medicaid in Kentucky; for the C-SNP (UHC Complete Care KY-6), a doctor has to confirm the qualifying condition. If you are not sure whether you qualify, 1-800-MEDICARE or the plan itself can walk you through it.
How do I check a UnitedHealthcare plan against my doctors and prescriptions before December 7?
The cleanest way is the Medicare Plan Finder at medicare.gov: enter your ZIP code, type in your prescriptions and preferred pharmacy, and the tool will show each plan's drug list and estimated yearly cost for you. You can also call 1-800-MEDICARE, which is open 24 hours a day, 7 days a week.
To check doctors and hospitals, use the specific plan's online provider directory or call the plan's member services line — a general carrier search is not enough, because networks differ from plan to plan even within the same carrier. If you already take prescriptions, confirm each one is on the plan's 2027 formulary (drug list), because formularies can change year to year.
What is changing in Medicare itself for 2027 that affects these plans?
Two Part D figures are already set for 2027. The out-of-pocket cap on covered prescriptions will rise to $2,400 (up from $2,100 in 2026), and the maximum Part D deductible a plan may charge will rise to $700 (up from $615 in 2026). The Part D national base beneficiary premium for 2027 is $41.33; that is a formula input CMS uses, not what any single plan charges.
The 2027 Part B standard premium and deductible, and the 2027 IRMAA income brackets, have not been announced yet. CMS usually publishes those figures in the fall, typically in November — until then, treat any 2027 Part B number you see as a projection, not official.
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.
Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.
By the numbers
How people get Medicare in Jefferson County
(MA penetration in Jefferson County)
MA penetration from CMS enrollment data; Medigap share is an estimate. U.S. average is about 54% Medicare Advantage. These are area-level figures, not plan-specific.
2027 plan lineup
UnitedHealthcare Medicare Advantage plans in Jefferson County for 2027
CMS lists 13 UnitedHealthcare Medicare Advantage plans in Jefferson County for 2027, alphabetically by carrier. 9 other carriers also offer plans there.
| Plan | Type | Drug coverage | For 2027 |
|---|---|---|---|
| UnitedHealthcare 13 plans | |||
| AARP Medicare Advantage from UHC KY-0002 (HMO-POS) | HMO-POS | Yes | Returning |
| AARP Medicare Advantage from UHC KY-0003 (PPO) | PPO | Yes | Returning |
| AARP Medicare Advantage from UHC KY-1 (HMO-POS) | HMO-POS | Yes | Renamed |
| AARP Medicare Advantage from UHC KY-5 (HMO-POS) | HMO-POS | Yes | Renamed |
| AARP Medicare Advantage Giveback from UHC KY-4 (HMO-POS) | HMO-POS | Yes | Returning |
| AARP Medicare Advantage Patriot No Rx KY-MA01 (PPO) | PPO | Yes | Returning |
| AARP Medicare Advantage Patriot No Rx KY-MA2 (HMO-POS) | HMO-POS | Yes | New |
| UHC Complete Care KY-6 (HMO-POS C-SNP) | HMO-POS C-SNP | Yes | Returning |
| UHC Dual Advantage KY-V1 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | Renamed |
| UHC Dual Complete KY-Q1 (PPO D-SNP) | PPO D-SNP | Yes | Renamed |
| UHC Dual Complete KY-Q2 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | New |
| UHC Dual Complete KY-S3 (PPO D-SNP) | PPO D-SNP | Yes | Returning |
| UHC Dual Complete KY-S4 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | New |
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plan availability is set at the county level. 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.
The 2027 choices, by type
How UnitedHealthcare Medicare Advantage plans in Jefferson County break down for 2027
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. Plan availability is set at the county level. 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.
Key dates
Medicare enrollment periods at a glance
- Around your 65thInitial Enrollment PeriodA 7-month window around the month you turn 65 — your first chance to sign up.
- October 15 – December 7Annual Enrollment PeriodAnyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan.
- January 1 – March 31Medicare Advantage Open EnrollmentIf you're already in a Medicare Advantage plan, you can make one change.
- January 1 – March 31General Enrollment PeriodFor people who missed their first chance to sign up for Part B.
- VariesSpecial Enrollment PeriodTriggered by life events like moving or losing other coverage.
Dates are set by Medicare and apply nationwide. Confirm your personal windows at Medicare.gov or 1-800-MEDICARE.
Explore
When can you enroll? An interactive year
Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.
Explore
The parts of Medicare
Good to know
Frequently asked questions
What happens if I do nothing by December 7, 2026?
My plan was renamed — is it a different plan?
Can I switch plans after December 7?
How do I know if a D-SNP is right for me?
- 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.
Also for Louisville
Sources and methodology
- CMS, Medicare Advantage and Part D Landscape Source Files
- CMS, Medicare Advantage state/county penetration and enrollment files
- U.S. Census Bureau, American Community Survey (table B01001, age 65 and older)
- Medicare.gov, Medicare costs (Part B premium)
- CMS, Medicare prescription drug coverage (Part D) program rules
- CMS, Medicare Advantage and Part D plan-year announcements
- Medicare.gov, enrollment periods and plan rules
Figures cited in this article
- CMS Medicare Advantage Landscape Source File (plan year 2027): the UnitedHealthcare plan list, counts and new/not-returning/renamed flags for Jefferson County.
- CMS Medicare Advantage Landscape Source File (plan year 2026): the year-over-year comparison.
- Medicare.gov: Annual Enrollment Period dates, Plan Finder, and Special Needs Plan rules.
- CMS: the confirmed 2027 Part D out-of-pocket cap, maximum deductible and national base beneficiary premium.
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.