Medicare Advantage

Louisville's 2027 Medicare Advantage lineup: every carrier, plan type and drug coverage

Jefferson County has 67 Medicare Advantage plans for 2027. Compared with 2026, 13 plans are not coming back, 13 are new, and 23 continuing plans changed in some way you should check before December 7, 9 of them under a new name. This guide covers what those numbers mean for Louisville, not which plan to pick.

Medicare AdvantageLouisville, KY

Louisville seniors shopping for a 2027 Medicare Advantage plan have a menu to sort through this fall. According to the CMS Medicare Advantage Landscape Source File for 2027, Louisville sits in Jefferson County, where 10 carriers are offering 58 Medicare Advantage plans — and every one of them includes prescription drug coverage.

That roster spans HMOs, HMO-POS plans, PPOs and a sizable group of Special Needs Plans (SNPs) built for people with specific conditions or dual Medicare-Medicaid eligibility. This guide walks through what's on offer carrier by carrier, what the plan types mean, and how to use the full table below to narrow things down before the December 7 deadline.

What's available in Louisville for 2027

Every Medicare Advantage plan sold in Jefferson County for 2027 is a Medicare Advantage Prescription Drug (MA-PD) plan — meaning drug coverage is built in. There are no stand-alone Part D plans listed as newly available in the CMS landscape file for the area, so residents who want an all-in-one plan will find their options here.

The 10 carriers offering plans in Jefferson County for 2027 are, in alphabetical order:

• Abilis Health (2 plans)
• Aetna (CVS Health) (5 plans)
• Centene (WellCare) (9 plans)
• Devoted Health (4 plans)
• Elevance Health (Anthem) (6 plans)
• Essence Healthcare (2 plans)
• Humana (25 plans)
• Passport Advantage (1 plan)
• Provider Partners Health Plans (1 plan)
• UnitedHealthcare (12 plans)

The table below lists every plan by carrier, along with its plan type and confirmation that drug coverage is included.

Understanding the plan types

Plan type matters because it shapes how you use the plan day to day.

• HMO (Health Maintenance Organization): You generally use in-network providers and often need a primary care doctor and referrals. In Jefferson County, 15 of the 67 plans are HMOs.
• HMO-POS (Point of Service): An HMO with a limited option to see some out-of-network providers, usually at a higher cost. There are 17 HMO-POS plans in the county.
• PPO (Preferred Provider Organization): More flexibility to see out-of-network providers, though in-network care costs less. PPOs make up the largest group at 35 plans, including a couple of Regional PPOs from Humana and Anthem.

Special Needs Plans (SNPs) in the mix

Of the 67 plans, 28 are Special Needs Plans. SNPs are designed for people who meet specific eligibility rules:

• D-SNPs are for people who have both Medicare and Medicaid. Examples in the roster include Aetna Medicare HIDE, several Wellcare Dual Access and Dual Liberty plans, Humana Dual Select, Passport Advantage, and multiple UHC Dual Complete plans.
• C-SNPs are for people with certain chronic conditions such as diabetes, heart conditions or chronic kidney disease. Examples include Anthem Kidney Care, Humana Community HMO Diabetes and Heart, Humana Gold Plus Chronic Kidney Disease, DEVOTED C-SNP CHOICE PLUS and PREMIUM, and UHC Complete Care KY-6.
• I-SNPs are for people who live in an institution such as a nursing facility, or who need a similar level of care at home. Examples include the two Abilis Health plans, Humana Together in Health and Together in Health Select, and Provider Partners Kentucky Advantage Plan.

If you don't meet the eligibility rules for a particular SNP, it isn't an option for you — even if it appears in the county roster.

Program facts to keep in mind for 2027

A few Medicare rules apply no matter which plan you choose:

• The Part D out-of-pocket cap is $2,100 in 2026. Once your covered drug spending reaches that amount, you pay $0 for covered drugs the rest of the year.
• The Part D deductible can be no higher than $615 in 2026.
• The old "donut hole" coverage gap was eliminated in 2025. Part D now has three phases.
• The Medicare Prescription Payment Plan lets you spread your drug costs across the calendar year in monthly payments, if that helps with cash flow.
• IRMAA — the income-related surcharge on Part B and Part D — starts above $109,000 for a single filer in 2026.

How to decide, without getting overwhelmed

With 67 plans on the county menu, the practical way to narrow is to work from your own situation, not the marketing:

1. List your doctors, hospitals and pharmacies. Then check each plan's network on the Medicare Plan Finder at medicare.gov. 2. List your prescriptions with doses. Enter them into Plan Finder to see how each plan's formulary and pharmacy pricing handles them. 3. Decide how much flexibility you want. If you travel often or want to see specialists without referrals, a PPO structure may fit better than an HMO — but rules vary plan to plan. 4. Check whether you qualify for a SNP. If you have Medicaid, a qualifying chronic condition or live in a facility, an appropriate SNP may be worth reviewing with a licensed agent or your local SHIP counselor.

Star Ratings are one signal you may see on plan cards; they measure quality and member experience on a scale up to 5. They are worth reading in context alongside your own network, drug and cost checks.

Important dates

• October 15 – December 7: Medicare Annual Enrollment Period. You can join, switch or drop a Medicare Advantage or Part D plan.
• January 1 – March 31: Medicare Advantage Open Enrollment Period. If you're already in a Medicare Advantage plan on January 1, you can switch to another MA plan or return to Original Medicare (with a Part D plan) once during this window.