Medicare Advantage
UnitedHealthcare Medicare Advantage in Massachusetts for 2027: 11 Plans, County by County
BOSTON — For the 2027 plan year, UnitedHealthcare will offer 11 Medicare Advantage plans across Massachusetts, according to the CMS Medicare Advantage Landscape source files. That total sits inside a statewide field of 97 plans from 12 carriers, and because each Medicare Advantage plan is sold county by county, the list a Berkshire County reader sees in the Medicare Plan Finder will not match the list a Suffolk County reader sees.
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Key takeaways
- UnitedHealthcare lists 11 Massachusetts Medicare Advantage plans for 2027, including 9 with drug coverage and 5 Special Needs Plans.
- One UnitedHealthcare plan is new for 2027, and 7 of its 2026 plans are not returning for 2027.
- A plan counted statewide may not be sold in your county, so confirm availability on medicare.gov before you decide.
- The Annual Enrollment Period runs October 15 through December 7, 2026, and choices made in that window take effect January 1, 2027.
| Fact | Figure | Source |
|---|---|---|
| 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.
This explainer is published by an independent Medicare education site. It is privately owned and is not Medicare, not a government agency, and not UnitedHealthcare or any other insurance carrier. Everything below comes from the CMS Landscape files for 2026 and 2027.
What is UnitedHealthcare offering across Massachusetts for 2027?
UnitedHealthcare is offering 11 Medicare Advantage plans in Massachusetts for the 2027 plan year. By plan type, that breaks down as 4 HMO plans, 4 HMO-POS plans, and 3 PPO plans.
Nine of the 11 plans include Part D prescription drug coverage; the other two are offered without drug coverage. Five of the 11 are Special Needs Plans: 4 Dual Eligible Special Needs Plans (D-SNPs) for people who have both Medicare and MassHealth, and 1 Chronic Condition Special Needs Plan (C-SNP) for people with a qualifying condition. UnitedHealthcare does not list an Institutional Special Needs Plan (I-SNP) in Massachusetts for 2027.
For context, CMS counts 12 carriers offering Medicare Advantage in Massachusetts for 2027, with 97 plans in total across the state.
Which UnitedHealthcare plans reach the most Massachusetts counties in 2027?
The two UnitedHealthcare plans with the widest county footprint in Massachusetts for 2027 are AARP Medicare Advantage Patriot No Rx MA-MA01 (PPO) and AARP Medicare Advantage Patriot No Rx MA-MA2 (HMO-POS), each listed in 10 counties. Both are offered without drug coverage.
Next in reach are the three D-SNPs — UHC One Care MA-Y3 (HMO D-SNP), UHC One Care MA-YL (HMO D-SNP), and UHC Senior Care Options MA-Y001 (HMO D-SNP), along with UHC Senior Care Options MA-YL (HMO D-SNP) — each listed in 9 counties for 2027. The AARP Medicare Advantage from UHC MA-0003 (HMO-POS) and AARP Medicare Advantage from UHC MA-0006 (PPO) each appear in two separate county groupings, one of 6 counties and one of 4. The UHC Complete Care MA-7 (HMO-POS C-SNP) is listed in 4 counties.
The full plan-by-plan county list is rendered as a table on this page. Massachusetts has 14 counties, so even a plan with a wide reach may not include yours.
What is new or not returning from UnitedHealthcare in Massachusetts for 2027?
Compared with 2026, UnitedHealthcare has 1 new Massachusetts Medicare Advantage plan for 2027 and 7 plans that are not returning for 2027. The new plan is AARP Medicare Advantage Patriot No Rx MA-MA2 (HMO-POS), listed in 10 counties.
Two 2027 plans appear under new names: UHC One Care MA-YL (HMO D-SNP) was previously UHC One Care MA-Y4 (HMO D-SNP), and UHC Senior Care Options MA-YL (HMO D-SNP) was previously UHC Senior Care Options NHC MA-Y002 (HMO D-SNP). A rename is not a cancellation, but if you are in one of these plans, you should still receive an Annual Notice of Change from the carrier describing what, if anything, is different for 2027.
If you are enrolled in a UnitedHealthcare plan that is not continuing into 2027, the carrier is required to send you written notice. Read that letter carefully and keep it with your Medicare papers.
How do I check whether a UnitedHealthcare plan is offered in my Massachusetts county and covers my doctors and drugs?
Start at medicare.gov and use the Plan Finder, which filters plans by ZIP code so you only see plans actually offered in your county for 2027. You can also call 1-800-MEDICARE, which is open 24 hours a day, seven days a week.
Because UnitedHealthcare's 11 Massachusetts plans are each sold in a specific set of counties, a plan listed on this page may not be available where you live. Once you confirm a plan is offered in your ZIP code, check two things against that specific plan: whether your doctors, hospitals and other providers are in network, and whether the medicines you take are on the plan's formulary at a tier you can live with. Those details come from the plan's own Evidence of Coverage, Summary of Benefits, provider directory and drug list — not from this article.
What should Massachusetts readers do before December 7, 2026?
The Annual Enrollment Period for 2027 Medicare Advantage and Part D coverage runs October 15 through December 7, 2026. A choice you make during that window takes effect January 1, 2027.
A simple checklist: read the Annual Notice of Change your current plan mailed in September; make a short list of the doctors, hospitals and prescriptions you need covered; look up your ZIP code on medicare.gov to see which plans — from UnitedHealthcare and the other 11 carriers in Massachusetts — are actually offered where you live; and compare those plans on the specific details that matter to you. If you miss December 7, 2026, you may still have options later through a Special Enrollment Period or, for some people, the Medicare Advantage Open Enrollment Period from January 1 through March 31, 2027.
Where can Massachusetts readers get free help understanding their 2027 choices?
Two no-cost resources are available to every Massachusetts reader. The Medicare Plan Finder at medicare.gov lets you compare every 2027 Medicare Advantage plan sold in your ZIP code side by side. And 1-800-MEDICARE (TTY 1-877-486-2048) is staffed 24/7 by representatives who can walk you through enrollment questions.
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.
2027 plan lineup
UnitedHealthcare Medicare Advantage plans in Massachusetts for 2027
CMS lists 11 UnitedHealthcare Medicare Advantage plans across Massachusetts for 2027, alphabetically by carrier, widest county reach first. 11 other carriers also offer plans there.
| Plan | Type | Drug coverage | Counties |
|---|---|---|---|
| UnitedHealthcare 11 plans | |||
| AARP Medicare Advantage Patriot No Rx MA-MA01 (PPO) | PPO | No | 10 |
| AARP Medicare Advantage Patriot No Rx MA-MA2 (HMO-POS) | HMO-POS | No | 10 |
| UHC One Care MA-Y3 (HMO D-SNP) | HMO D-SNP | Yes | 9 |
| UHC One Care MA-YL (HMO D-SNP) | HMO D-SNP | Yes | 9 |
| UHC Senior Care Options MA-Y001 (HMO D-SNP) | HMO D-SNP | Yes | 9 |
| UHC Senior Care Options MA-YL (HMO D-SNP) | HMO D-SNP | Yes | 9 |
| AARP Medicare Advantage from UHC MA-0003 (HMO-POS) | HMO-POS | Yes | 6 |
| AARP Medicare Advantage from UHC MA-0006 (PPO) | PPO | Yes | 6 |
| AARP Medicare Advantage from UHC MA-0003 (HMO-POS) | HMO-POS | Yes | 4 |
| AARP Medicare Advantage from UHC MA-0006 (PPO) | PPO | Yes | 4 |
| UHC Complete Care MA-7 (HMO-POS C-SNP) | HMO-POS C-SNP | Yes | 4 |
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plans are offered county by county; a plan listed for the state may not be offered in your county. 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 across Massachusetts 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. Plans are offered county by county; a plan listed for the state may not be offered in your county. 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.
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Frequently asked questions
How many UnitedHealthcare Medicare Advantage plans are offered in Massachusetts for 2027?
Does every UnitedHealthcare plan listed statewide serve my county?
What should I do if my UnitedHealthcare plan is one of the 7 not returning in 2027?
Where can I get free, unbiased help comparing plans?
- 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.
Sources and methodology
- 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
- CMS, Medicare Advantage and Part D Landscape Source Files
Figures cited in this article
- CMS — Medicare Advantage Landscape Source File (CY2027): UnitedHealthcare's Massachusetts plan count, plan types, SNP counts, drug coverage count, and county listings for each plan.
- CMS — Medicare Advantage Landscape Source Files (CY2026 and CY2027): the year-over-year comparison showing 1 new plan, 7 plans not returning, and the two renamed plans.
- Medicare.gov — Medicare enrollment periods: the October 15 – December 7, 2026 Annual Enrollment Period and the January 1, 2027 effective date.
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.