Medicare Advantage

Medicare Advantage in Quincy, MA: 2027 Choices

QUINCY, Mass. — If you're sorting through your Medicare choices this fall for 2027 coverage, here's a quick lay of the land close to home. Quincy is in Norfolk County, where 49 Medicare Advantage plans were available for 2026, according to the Centers for Medicare & Medicaid Services (CMS) plan landscape data. The 2027 lineup is described in each plan's Annual Notice of Change and on Medicare.gov's Plan Finder.

Medicare in Quincy: A Look at What's on the Table as You Choose 2027 Coverage

That's a lot of options — and it can feel overwhelming. This article isn't about picking a plan. It's about helping you understand how many choices you have locally, who's offering them, and where to get personalized help.

How Many Plans Are Available Near You

Medicare plan availability is set at the county level, not the city level. So even though we're talking about Quincy, the numbers apply across all of Norfolk County — from Brookline to Braintree to Wellesley.

For 2026, here's what CMS data shows for the county:

• 49 Medicare Advantage plans (many include prescription drug coverage)
• 9 carriers offering Medicare Advantage with drug coverage (MA-PD)
• Massachusetts has 11 stand-alone Part D plans for 2026, sold statewide (CMS sells PDPs by region, so anyone in Norfolk County with Original Medicare can join any of them; you can confirm what's available for your ZIP code on Medicare.gov)

With about 129,645 residents age 65 and older in Norfolk County, it's no surprise carriers compete for attention here.

What "49 Plans" Actually Means

A big number can be misleading. Many of those 49 plans come from the same handful of carriers, just packaged differently — for example, an HMO version, a PPO version, or a version tailored to people who also qualify for MassHealth.

That's why the 9 carriers figure matters as much as the plan count. It tells you how many different insurance companies are competing in the area. Fewer carriers than plans is normal.

When you shop, it often helps to first narrow by what matters to you — your doctors, your prescriptions, whether you travel — before comparing plans side by side.

A Quick Word on Star Ratings

CMS rates Medicare Advantage and Part D contracts on a 1-to-5 scale each year, based on things like customer service, member complaints, and preventive care.

For 2026, CMS data showed no contracts in the Norfolk County service area rated 4 stars or higher. Star Ratings can change year to year, and they measure the contract overall — not necessarily your personal experience. They're one data point among many, not a scorecard for picking a plan.

Program Facts Worth Knowing for 2027

Whether you stick with Original Medicare, add a stand-alone drug plan, or choose a Medicare Advantage plan, some things apply across the board in 2026:

• Part D out-of-pocket cap: $2,100 in 2026 ($2,400 in 2027). Once your covered drug costs hit that limit, you pay $0 for covered drugs the rest of the year.
• Part D maximum deductible: $615 in 2026 ($700 in 2027). Plans can charge less, but not more.
• The coverage gap ("donut hole") is gone as of 2025. Part D now has three phases instead of four.
• Medicare Prescription Payment Plan. This optional program lets you spread your drug costs across the year in monthly payments instead of paying big amounts at the pharmacy counter.
• IRMAA surcharges — extra premiums for higher-income beneficiaries — begin above $109,000 in income for a single filer in 2026.

Key Dates to Circle

• Annual Enrollment Period: October 15 – December 7, 2026. This is when most people can join, switch, or drop a Medicare Advantage or Part D plan for 2027. A choice made in this window takes effect January 1, 2027.
• Medicare Advantage Open Enrollment: January 1 – March 31. If you're already in a Medicare Advantage plan, you get one chance to switch to another Advantage plan or return to Original Medicare.