Medicare Advantage

30 New Medicare Advantage Plans in Kentucky for 2027: The List

FRANKFORT, Ky. — Kentucky's 2027 Medicare Advantage lineup includes 30 plans that were not offered in the state in 2026, drawn from a statewide total of 123 Medicare Advantage plans available somewhere in the Commonwealth next year, according to the CMS Medicare Advantage Landscape Source Files. Six carriers are introducing these new options: Aetna (CVS Health), American Health Advantage of Indiana, Devoted Health, Elevance Health (Anthem), Humana and UnitedHealthcare. Availability is county by county, so a plan on the new list may or may not be sold where a given Kentuckian lives.

How many Medicare Advantage plans are new in Kentucky for 2027, and which carriers offer them?

Kentucky has 30 new Medicare Advantage plans for 2027, out of 123 Medicare Advantage plans available statewide, per the CMS MA Landscape Source Files for CY2026 and CY2027. "New" here means a plan that is offered for 2027 but was not offered for 2026.

By carrier, the new 2027 counts are: Aetna (CVS Health) with 3, American Health Advantage of Indiana with 1, Devoted Health with 4, Elevance Health (Anthem) with 6, Humana with 9 and UnitedHealthcare with 7. The full plan-by-plan breakdown — including plan type and whether drug coverage is included — appears in the table on this page.

Which new 2027 Medicare Advantage plans in Kentucky reach the most counties?

Several of the 30 new Kentucky plans are listed in 87 or more of the state's 120 counties, according to the CMS 2027 Landscape file. Among the widest-reaching new entries are Anthem Chronic Care Advantage (HMO C-SNP) from Elevance Health (Anthem) at 120 counties, Humana Senior Living Plan (PPO I-SNP) and Humana Together in Health (PPO I-SNP) at 120 counties each, Humana Dual QMB Only (HMO D-SNP) at 115 counties, and AARP Medicare Advantage Patriot No Rx KY-MA2 (HMO-POS) from UnitedHealthcare at 110 counties.

Other new plans with broad reach include Anthem Medicare Advantage 2 (HMO-POS) at 97 counties, DEVOTED C-SNP CHOICE GIVEBACK EXTRAS 008 KY (PPO C-SNP) and DEVOTED CHOICE GIVEBACK EXTRAS 011 KY (PPO) at 87 counties each, and the UHC Dual Complete KY-Q2 and KY-S4 (HMO-POS D-SNP) products at 87 counties each. Several other new plans — including Humana Essentials Plus Giveback (PPO), HumanaChoice Giveback H5216-481 (PPO), and the AARP Medicare Advantage from UHC OH-19 (HMO-POS) and OH-23 (PPO) plans — are available in a small handful of Kentucky counties. The complete list, including C-SNP, D-SNP and I-SNP designations and county counts, is in the table above.

What does it mean that a Medicare Advantage plan is "new" in Kentucky for 2027?

A plan that is new for 2027 in Kentucky does not yet have a CMS Star Rating or a track record under its current contract. That is a factual consequence of how CMS calculates ratings, which rely on prior-year performance data — not a judgment about plan quality.

For shoppers, it simply means the usual year-over-year star comparison is not available for these 30 plans. Everything else a Medicare Advantage plan must disclose — the Summary of Benefits, the Evidence of Coverage, the provider directory and the formulary — is still published by the carrier and still listed on the Medicare Plan Finder at medicare.gov.

How do I check whether a new 2027 Kentucky plan is sold in my county and covers my doctors and drugs?

Start at medicare.gov and enter your Kentucky ZIP code into the Medicare Plan Finder; the tool shows only the plans actually offered in your county for 2027. The 30 new plans are each listed in a specific set of counties — some in a single county, some in more than 100 — so a plan featured in state news coverage may not appear in your local results.

Once you see the plans available where you live, open each one to review the provider network, the pharmacy network and the drug formulary. Carriers publish this information in their Evidence of Coverage and directories, and 1-800-MEDICARE (available 24/7) can walk you through what you find. Confirming that your primary care doctor, any specialists, your preferred pharmacy and each of your prescriptions are covered is the only reliable way to know whether a plan — new or returning — fits your situation.

What should Kentuckians do before December 7, 2026?

The Annual Enrollment Period for 2027 Medicare Advantage and Part D coverage runs October 15 – December 7, 2026, and any choice made during that window takes effect January 1, 2027. There is no need to decide earlier than that; the full 2027 Kentucky lineup, including all 30 new plans, is viewable throughout the window.

A practical sequence for Kentucky residents: read the Annual Notice of Change your current plan sent in September, log into medicare.gov to see every 2027 option in your county, compare your current plan against any new or returning plan that interests you, and then enroll before December 7, 2026 if you want to change. If you take no action, you generally stay in your current plan if it is still offered for 2027.

Where can Kentuckians get free help choosing a 2027 Medicare Advantage plan?

Two free, neutral resources are available to every Kentuckian with Medicare. The Medicare Plan Finder at medicare.gov lets you compare every 2027 plan in your county side by side, and 1-800-MEDICARE (TTY 1-877-486-2048) answers questions by phone around the clock.

Both are run by the federal Medicare program and do not sell insurance. Using them, together with each carrier's own Evidence of Coverage, is the most accurate way to confirm costs, networks and drug coverage for any of the 30 new Kentucky plans or the 93 returning ones.