Medicare Advantage
Louisville's 2027 Medicare Advantage lineup: 13 plans leaving, 13 new, and a new carrier in town
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.
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Key takeaways
- Jefferson County has 67 Medicare Advantage plans for 2026 from 10 carriers; for 2027, 13 of those plans are leaving, 13 new ones are joining, and 9 are being renamed.
- Provider Partners Health Plans is not offering a Louisville plan next year; American Health Advantage of Indiana is new to the county for 2027.
- If your plan is not returning in 2027, you qualify for a Special Enrollment Period that runs from December 8, 2026 through the end of February 2027.
- The Annual Enrollment Period runs October 15 – December 7, 2026, and if you do nothing your current plan simply renews — with the changes listed in its ANOC.
LOUISVILLE, Ky. — Fall 2026 is here, and the Medicare Advantage picture in Jefferson County is shifting more than usual for the plan year ahead. According to the CMS 2027 Medicare Advantage Landscape Source File, 13 plans available in the county this year will not be offered in 2027, 13 brand-new plans are coming in, one carrier is leaving the county entirely, and one carrier new to the county is joining the roster. If you live in Louisville and already have Medicare Advantage, those changes are the reason to open the envelope your plan sends every fall.
That envelope — the Annual Notice of Change, or ANOC — tells you what your current plan will look like on January 1, 2027. The Annual Enrollment Period runs October 15 through December 7, 2026, and any change you make in that window takes effect at the start of the new year.
What the Louisville lineup looks like today
Louisville sits in Jefferson County, and Medicare Advantage availability is set at the county level. For the current (2026) plan year, Jefferson County residents can choose from 67 Medicare Advantage plans sold by 10 carriers: Abilis Health, Aetna (CVS Health), Centene (WellCare), Devoted Health, Elevance Health (Anthem), Essence Healthcare, Humana, Passport Advantage, Provider Partners Health Plans and UnitedHealthcare.
By plan type, the county has 15 HMOs, 17 HMO-POS plans and 35 PPOs. Twenty-eight of the 67 are Special Needs Plans (SNPs) — the kind designed for people with Medicaid as well as Medicare (D-SNP), with a qualifying chronic condition (C-SNP), or who need an institutional level of care (I-SNP). All 67 include prescription drug coverage.
The table below lists every plan currently offered in the county, by carrier.
Plans not returning for 2027
Thirteen Jefferson County plans will not be offered in 2027. If one of them is yours, your carrier is required to tell you in writing. The non-renewing plans are:
- Centene (WellCare): Wellcare Assist (HMO-POS); Wellcare Patriot Giveback Open (PPO)
- Humana: Humana Community HMO SNP-DE (HMO D-SNP); Humana Gold Plus Chronic Kidney Disease (HMO C-SNP); Humana Gold Plus H5619-071 (HMO); Humana Gold Plus SNP-DE H1036-320 (HMO D-SNP); Humana Together in Health Select (PPO I-SNP); Humana USAA Honor Giveback (PPO); Humana USAA Honor Giveback with Rx (PPO) (two plans with this name)
- Provider Partners Health Plans: Provider Partners Kentucky Advantage Plan (HMO I-SNP) — the carrier's only Louisville plan, which means Provider Partners is leaving the county
- UnitedHealthcare: UHC Dual Complete KY-S002 (HMO-POS D-SNP); UHC Dual Complete KY-S4 (HMO-POS D-SNP)
If your plan is on this list, you are not left without options. Medicare gives you a Special Enrollment Period that runs from December 8, 2026 through the end of February 2027 to pick another Medicare Advantage plan or go back to Original Medicare and add a stand-alone Part D drug plan. You can use the regular Annual Enrollment window first (through December 7) if you want your new choice to start January 1.
Plans new to Louisville for 2027
Thirteen plans are new in Jefferson County for 2027, and they come from carriers already in the market plus one newcomer:
- Aetna (CVS Health): Aetna Medicare Chronic Care (HMO C-SNP)
- American Health Advantage of Indiana (new to the county): American Health Advantage of Kentucky (HMO I-SNP)
- Devoted Health: DEVOTED C-SNP CHOICE GIVEBACK EXTRAS 008 KY (PPO C-SNP); DEVOTED CHOICE GIVEBACK EXTRAS 011 KY (PPO)
- Elevance Health (Anthem): Anthem Chronic Care Advantage (HMO C-SNP); Anthem Medicare Advantage 2 (HMO-POS)
- Humana: Humana Dual QMB Only (HMO D-SNP); Humana Gold Plus H5619-188 (HMO); Humana Senior Living Plan (PPO I-SNP); Humana Together in Health (PPO I-SNP)
- UnitedHealthcare: AARP Medicare Advantage Patriot No Rx KY-MA2 (HMO-POS); UHC Dual Complete KY-Q2 (HMO-POS D-SNP); UHC Dual Complete KY-S4 (HMO-POS D-SNP)
Several of these are Special Needs Plans, aimed at people who have Medicare and Medicaid, who live in a long-term care setting, or who have a specific chronic condition. SNPs have eligibility rules, so a plan being "new" does not mean anyone can join it.
Renames and other changes to watch
Nine Louisville-area plans are coming back in 2027 under a different name. The name change alone does not change what the plan does, but it is easy to miss in paperwork. The renamed plans are: Wellcare Dual Access (HMO-POS D-SNP), formerly Wellcare Dual Access Sync; DEVOTED C-SNP CHOICE ENHANCED 006 KY (PPO C-SNP), formerly DEVOTED C-SNP CHOICE PREMIUM 006 KY; Humana Essentials Plus Giveback (PPO), formerly HumanaChoice Giveback H7617-049; Humana Value Choice (PPO), formerly HumanaChoice H7617-050; HumanaChoice H5216-226 (PPO), formerly HumanaChoice Giveback H5216-226; AARP Medicare Advantage from UHC KY-1 (HMO-POS), formerly AARP Medicare Advantage Essentials from UHC KY-1; AARP Medicare Advantage from UHC KY-5 (HMO-POS), formerly AARP Medicare Advantage Extras from UHC KY-5; UHC Dual Advantage KY-V1 (HMO-POS D-SNP), formerly UHC Dual Complete KY-V001; and UHC Dual Complete KY-Q1 (PPO D-SNP), formerly UHC Dual Complete KY-S001.
In total, CMS data show 14 Louisville-area plans have a change on file for 2027 — in premium, deductible, type or name — and 45 plans continue without a flagged change. The ANOC from each plan is the document that spells out exactly what will be different.
What is changing at the program level in 2027
A few program-wide numbers are already set for next year and apply no matter which plan you pick:
- Part D out-of-pocket cap: $2,400 in 2027 (up from $2,100 in 2026).
- Part D maximum deductible: $700 in 2027 (up from $615 in 2026).
- Part D national base beneficiary premium: $41.33 for 2027. This is a formula input used across the program, not what any specific plan charges.
The coverage gap, or "donut hole," was eliminated starting in 2025, so Part D has three phases now. The Medicare Prescription Payment Plan — an option that lets you spread drug costs over the calendar year in monthly bills — is still available for 2027.
A few other 2027 figures are not out yet. CMS typically publishes the standard Part B premium and deductible, and the IRMAA income brackets that affect higher earners, later in the fall. Until then, no reliable 2027 number for those exists.
How to use the Annual Enrollment Period
The dates to remember: October 15 through December 7, 2026.
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.
Plan availability
Medicare Advantage plans available in Jefferson County for 2026
Louisville is in Jefferson County. CMS lists 67 Medicare Advantage plans from 10 carriers there for 2026, shown alphabetically by carrier. This is availability, not a comparison: premiums, benefits, networks and star ratings are not shown. Plan details come from the Medicare Plan Finder at medicare.gov or the plan itself.
| Plan | Type | Drug coverage | Status |
|---|---|---|---|
| Abilis Health (HMO SNP) 2 plans | |||
| Abilis Health (HMO I-SNP) | HMO I-SNP | Yes | Offered |
| Abilis Health Community (HMO I-SNP) | HMO I-SNP | Yes | Offered |
| Aetna (CVS Health) 5 plans | |||
| Aetna Medicare Eagle Giveback (PPO) | PPO | Yes | Offered |
| Aetna Medicare HIDE (HMO D-SNP) | HMO D-SNP | Yes | Offered |
| Aetna Medicare Partial Dual (HMO D-SNP) | HMO D-SNP | Yes | Offered |
| Aetna Medicare Signature (HMO-POS) | HMO-POS | Yes | Offered |
| Aetna Medicare Value Plus (PPO) | PPO | Yes | Offered |
| Centene (WellCare) 9 plans | |||
| Wellcare Assist (HMO-POS) | HMO-POS | Yes | Not offered for 2027 |
| Wellcare Dual Access (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | Renamed for 2027 |
| Wellcare Dual Access Sync Open (PPO D-SNP) | PPO D-SNP | Yes | Offered |
| Wellcare Dual Liberty Sync (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | Offered |
| Wellcare Dual Reserve (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | Offered |
| Wellcare Giveback (HMO-POS) | HMO-POS | Yes | Offered |
| Wellcare Patriot Giveback Open (PPO) | PPO | Yes | Not offered for 2027 |
| Wellcare Simple (HMO-POS) | HMO-POS | Yes | Offered |
| Wellcare Simple Open (PPO) | PPO | Yes | Offered |
| Devoted Health 4 plans | |||
| DEVOTED C-SNP CHOICE ENHANCED 006 KY (PPO C-SNP) | PPO C-SNP | Yes | Renamed for 2027 |
| DEVOTED C-SNP CHOICE PLUS 004 KY (PPO C-SNP) | PPO C-SNP | Yes | Offered |
| DEVOTED CHOICE 001 KY (PPO) | PPO | Yes | Offered |
| DEVOTED CHOICE GIVEBACK 002 KY (PPO) | PPO | Yes | Offered |
| Elevance Health (Anthem) 6 plans | |||
| Anthem Kidney Care (HMO-POS C-SNP) | HMO-POS C-SNP | Yes | Offered |
| Anthem Medicare Advantage (HMO-POS) | HMO-POS | Yes | Offered |
| Anthem Medicare Advantage (PPO) | PPO | Yes | Offered |
| Anthem Medicare Advantage (Regional PPO) | PPO | Yes | Offered |
| Anthem Medicare Advantage 3 (PPO) | PPO | Yes | Offered |
| Anthem Veteran (PPO) | PPO | Yes | Offered |
| Essence Healthcare 2 plans | |||
| Essence Advantage (HMO) | HMO | Yes | Offered |
| Essence Advantage Choice (PPO) | PPO | Yes | Offered |
| Humana 25 plans | |||
| Humana Community (HMO) | HMO | Yes | Offered |
| Humana Community HMO Diabetes and Heart (HMO C-SNP) | HMO C-SNP | Yes | Offered |
| Humana Community HMO SNP-DE (HMO D-SNP) | HMO D-SNP | Yes | Not offered for 2027 |
| Humana Dual Select H5619-075 (HMO D-SNP) | HMO D-SNP | Yes | Offered |
| Humana Essentials Plus Giveback (PPO) | PPO | Yes | Renamed for 2027 |
| Humana Gold Plus Chronic Kidney Disease (HMO C-SNP) | HMO C-SNP | Yes | Not offered for 2027 |
| Humana Gold Plus H5619-071 (HMO) | HMO | Yes | Not offered for 2027 |
| Humana Gold Plus SNP-DE H1036-320 (HMO D-SNP) | HMO D-SNP | Yes | Not offered for 2027 |
| Humana Gold Plus SNP-DE H5619-163 (HMO D-SNP) | HMO D-SNP | Yes | Offered |
| Humana Together in Health (PPO I-SNP) | PPO I-SNP | Yes | Offered |
| Humana Together in Health Select (PPO I-SNP) | PPO I-SNP | Yes | Not offered for 2027 |
| Humana USAA Honor Giveback (PPO) | PPO | Yes | Not offered for 2027 |
| Humana USAA Honor Giveback (PPO) | PPO | Yes | Offered |
| Humana USAA Honor Giveback (PPO) | PPO | Yes | Offered |
| Humana USAA Honor Giveback with Rx (PPO) | PPO | Yes | Not offered for 2027 |
| Humana USAA Honor Giveback with Rx (PPO) | PPO | Yes | Not offered for 2027 |
| Humana Value Choice (PPO) | PPO | Yes | Renamed for 2027 |
| HumanaChoice Giveback H5216-322 (PPO) | PPO | Yes | Offered |
| HumanaChoice H5216-019 (PPO) | PPO | Yes | Offered |
| HumanaChoice H5216-188 (PPO) | PPO | Yes | Offered |
| HumanaChoice H5216-226 (PPO) | PPO | Yes | Renamed for 2027 |
| HumanaChoice H5216-317 (PPO) | PPO | Yes | Offered |
| HumanaChoice R0110-011 (Regional PPO) | PPO | Yes | Offered |
| HumanaChoice R0110-012 (Regional PPO) | PPO | Yes | Offered |
| HumanaChoice SNP-DE H5525-045 (PPO D-SNP) | PPO D-SNP | Yes | Offered |
| Passport Advantage 1 plan | |||
| Passport Advantage (HMO D-SNP) | HMO D-SNP | Yes | Offered |
| Provider Partners Health Plans 1 plan | |||
| Provider Partners Kentucky Advantage Plan (HMO I-SNP) | HMO I-SNP | Yes | Not offered for 2027 |
| UnitedHealthcare 12 plans | |||
| AARP Medicare Advantage from UHC KY-0002 (HMO-POS) | HMO-POS | Yes | Offered |
| AARP Medicare Advantage from UHC KY-0003 (PPO) | PPO | Yes | Offered |
| AARP Medicare Advantage from UHC KY-1 (HMO-POS) | HMO-POS | Yes | Renamed for 2027 |
| AARP Medicare Advantage from UHC KY-5 (HMO-POS) | HMO-POS | Yes | Renamed for 2027 |
| AARP Medicare Advantage Giveback from UHC KY-4 (HMO-POS) | HMO-POS | Yes | Offered |
| AARP Medicare Advantage Patriot No Rx KY-MA01 (PPO) | PPO | Yes | Offered |
| UHC Complete Care KY-6 (HMO-POS C-SNP) | HMO-POS C-SNP | Yes | Offered |
| UHC Dual Advantage KY-V1 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | Renamed for 2027 |
| UHC Dual Complete KY-Q1 (PPO D-SNP) | PPO D-SNP | Yes | Renamed for 2027 |
| UHC Dual Complete KY-S002 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | Not offered for 2027 |
| UHC Dual Complete KY-S3 (PPO D-SNP) | PPO D-SNP | Yes | Offered |
| UHC Dual Complete KY-S4 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | Not offered for 2027 |
New for 2027 (not offered for 2026)
| Plan | Carrier | Type | Drug coverage |
|---|---|---|---|
| Aetna Medicare Chronic Care (HMO C-SNP) | Aetna (CVS Health) | HMO C-SNP | Yes |
| American Health Advantage of Kentucky (HMO I-SNP) | American Health Advantage of Indiana | HMO I-SNP | Yes |
| DEVOTED C-SNP CHOICE GIVEBACK EXTRAS 008 KY (PPO C-SNP) | Devoted Health | PPO C-SNP | Yes |
| DEVOTED CHOICE GIVEBACK EXTRAS 011 KY (PPO) | Devoted Health | PPO | Yes |
| Anthem Chronic Care Advantage (HMO C-SNP) | Elevance Health (Anthem) | HMO C-SNP | Yes |
| Anthem Medicare Advantage 2 (HMO-POS) | Elevance Health (Anthem) | HMO-POS | Yes |
| Humana Dual QMB Only (HMO D-SNP) | Humana | HMO D-SNP | Yes |
| Humana Gold Plus H5619-188 (HMO) | Humana | HMO | Yes |
| Humana Senior Living Plan (PPO I-SNP) | Humana | PPO I-SNP | Yes |
| Humana Together in Health (PPO I-SNP) | Humana | PPO I-SNP | Yes |
| AARP Medicare Advantage Patriot No Rx KY-MA2 (HMO-POS) | UnitedHealthcare | HMO-POS | Yes |
| UHC Dual Complete KY-Q2 (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP | Yes |
| UHC Dual Complete KY-S4 (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP | Yes |
Source: CMS Medicare Advantage Landscape Source File, plan year 2026 and 2027. Plan availability is set at the county level.
What changes next year
Medicare Advantage plans leaving or changing in Jefferson County for 2027
Louisville is in Jefferson County. Comparing CMS’s 2026 and 2027 Landscape files for the county:
Plans not offered in Jefferson County for 2027
| Plan | Carrier | Type |
|---|---|---|
| Wellcare Assist (HMO-POS) | Centene (WellCare) | HMO-POS |
| Wellcare Patriot Giveback Open (PPO) | Centene (WellCare) | PPO |
| Humana Community HMO SNP-DE (HMO D-SNP) | Humana | HMO D-SNP |
| Humana Gold Plus Chronic Kidney Disease (HMO C-SNP) | Humana | HMO C-SNP |
| Humana Gold Plus H5619-071 (HMO) | Humana | HMO |
| Humana Gold Plus SNP-DE H1036-320 (HMO D-SNP) | Humana | HMO D-SNP |
| Humana Together in Health Select (PPO I-SNP) | Humana | PPO I-SNP |
| Humana USAA Honor Giveback (PPO) | Humana | PPO |
| Humana USAA Honor Giveback with Rx (PPO) | Humana | PPO |
| Humana USAA Honor Giveback with Rx (PPO) | Humana | PPO |
| Provider Partners Kentucky Advantage Plan (HMO I-SNP) | Provider Partners Health Plans | HMO I-SNP |
| UHC Dual Complete KY-S002 (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP |
| UHC Dual Complete KY-S4 (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP |
Plans new to Jefferson County for 2027
| Plan | Carrier | Type |
|---|---|---|
| Aetna Medicare Chronic Care (HMO C-SNP) | Aetna (CVS Health) | HMO C-SNP |
| American Health Advantage of Kentucky (HMO I-SNP) | American Health Advantage of Indiana | HMO I-SNP |
| DEVOTED C-SNP CHOICE GIVEBACK EXTRAS 008 KY (PPO C-SNP) | Devoted Health | PPO C-SNP |
| DEVOTED CHOICE GIVEBACK EXTRAS 011 KY (PPO) | Devoted Health | PPO |
| Anthem Chronic Care Advantage (HMO C-SNP) | Elevance Health (Anthem) | HMO C-SNP |
| Anthem Medicare Advantage 2 (HMO-POS) | Elevance Health (Anthem) | HMO-POS |
| Humana Dual QMB Only (HMO D-SNP) | Humana | HMO D-SNP |
| Humana Gold Plus H5619-188 (HMO) | Humana | HMO |
| Humana Senior Living Plan (PPO I-SNP) | Humana | PPO I-SNP |
| Humana Together in Health (PPO I-SNP) | Humana | PPO I-SNP |
| AARP Medicare Advantage Patriot No Rx KY-MA2 (HMO-POS) | UnitedHealthcare | HMO-POS |
| UHC Dual Complete KY-Q2 (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP |
| UHC Dual Complete KY-S4 (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP |
Plans continuing under a new name
| Plan | Carrier | Type |
|---|---|---|
| Wellcare Dual Access (HMO-POS D-SNP) (was Wellcare Dual Access Sync (HMO-POS D-SNP)) | Centene (WellCare) | HMO-POS D-SNP |
| DEVOTED C-SNP CHOICE ENHANCED 006 KY (PPO C-SNP) (was DEVOTED C-SNP CHOICE PREMIUM 006 KY (PPO C-SNP)) | Devoted Health | PPO C-SNP |
| Humana Essentials Plus Giveback (PPO) (was HumanaChoice Giveback H7617-049 (PPO)) | Humana | PPO |
| Humana Value Choice (PPO) (was HumanaChoice H7617-050 (PPO)) | Humana | PPO |
| HumanaChoice H5216-226 (PPO) (was HumanaChoice Giveback H5216-226 (PPO)) | Humana | PPO |
| AARP Medicare Advantage from UHC KY-1 (HMO-POS) (was AARP Medicare Advantage Essentials from UHC KY-1 (HMO-POS)) | UnitedHealthcare | HMO-POS |
| AARP Medicare Advantage from UHC KY-5 (HMO-POS) (was AARP Medicare Advantage Extras from UHC KY-5 (HMO-POS)) | UnitedHealthcare | HMO-POS |
| UHC Dual Advantage KY-V1 (HMO-POS D-SNP) (was UHC Dual Complete KY-V001 (HMO-POS D-SNP)) | UnitedHealthcare | HMO-POS D-SNP |
| UHC Dual Complete KY-Q1 (PPO D-SNP) (was UHC Dual Complete KY-S001 (PPO D-SNP)) | UnitedHealthcare | PPO D-SNP |
Carriers with no plans in Jefferson County for 2027: Provider Partners Health Plans
Carriers new to Jefferson County for 2027: American Health Advantage of Indiana
“Changing” means the plan’s 2027 record differs from 2026 on premium, drug deductible, plan type or name; the details are in the Annual Notice of Change your plan mails by September 30. If your plan is not offered for 2027, you can choose another during the Annual Enrollment Period (October 15 to December 7) and you also get a Special Enrollment Period that runs through the end of February. Source: CMS MA Landscape Source Files. No plan is ranked or recommended.
The choices, by type
How the Medicare Advantage choices in Louisville break down for 2026
Carriers offering plans in Jefferson County, alphabetically, with the number of plans each offers:
- Abilis Health (HMO SNP) 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
HMO plans use a network and usually a primary-care doctor; HMO-POS plans add some out-of-network coverage; PPO plans 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 who are dual-eligible (D-SNP), have certain conditions (C-SNP) or live in an institution (I-SNP). Source: CMS Landscape Source File. No plan is ranked or recommended here.
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
- 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
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This page was last updated: October 2026.