Medicare Advantage

Medicare in Woburn, MA: Plan Choices for 2027

Medicare in Woburn: how many plan options were offered in Middlesex County for 2026, and where to find the 2027 lineup.

WOBURN, Mass. — If you're sorting through Medicare choices this fall for 2027 coverage, here's a simple snapshot of what's on the table where you live. Woburn is in Middlesex County, where 49 Medicare Advantage plans were offered for 2026, according to the CMS Medicare Advantage and Part D Landscape files. The 2027 plan lineup is detailed in each plan's Annual Notice of Change and on Medicare.gov's Plan Finder. These numbers show what a Woburn resident can compare — not a ranking, and not a promise that any one plan is right for you.

How many Medicare options are available near Woburn

For 2026, Middlesex County residents could choose from 49 Medicare Advantage plans, offered by 9 different carriers providing Medicare Advantage with prescription drug coverage (MA-PD). The 2027 counts appear on Medicare.gov's Plan Finder and in each plan's ANOC.

One thing to note: the CMS landscape data shows 0 stand-alone Part D drug plans listed at the county level in the file we're working from. That's unusual, and it's worth double-checking on Medicare.gov's Plan Finder using your ZIP code, because stand-alone Part D options are typically available to anyone with Original Medicare. If you rely on Original Medicare (Parts A and B) and want drug coverage, Plan Finder will show you what's offered at your address.

Plan availability is set at the county level by CMS, so a neighbor in Cambridge or Lowell sees the same menu of plans you do in Woburn.

What "49 plans" really means

Forty-nine is a lot to sift through, and it can feel overwhelming. A few points that make the number less intimidating:

• Many of those plans come from the same 9 carriers, just packaged differently (for example, HMO versus PPO, or different drug formularies).
• You don't need to look at all 49. You can filter Plan Finder by the doctors you want to keep, the drugs you take, and the pharmacies near you.
• The right count for you is usually a much smaller shortlist once your needs are entered.

A quick word on Star Ratings

CMS rates Medicare Advantage and Part D contracts on a 1-to-5 scale, updated each fall. In the current data for this area, no contracts are showing a 4-star or higher rating in the file we reviewed — but Star Ratings shift year to year and can vary by contract, so check the current rating on Medicare.gov before you decide. Ratings are one input among many; network, drug coverage, and total cost matter too.

Program rules that apply no matter which plan you pick

These are program-level facts set by Medicare, so they hold true across every Part D and MA-PD plan:

• out-of-pocket cap ($2,100 in 2026, $2,400 in 2027) on Part D drug costs. Once you hit that, you pay $0 for covered drugs for the rest of the year.
• maximum ($615 in 2026, $700 in 2027) Part D deductible. Individual plans may set a lower one.
• No more "donut hole." As of 2025, Part D has three phases instead of four.
• Medicare Prescription Payment Plan. You can choose to spread your drug costs into monthly payments instead of paying at the pharmacy counter.
• IRMAA surcharges on Part B and Part D premiums begin above $109,000 in income for a single filer in 2026.

Key dates to remember

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

Where to get personalized help

Because Medicare is a "your situation matters" decision, use trusted, no-cost resources:

• Medicare.gov Plan Finder — enter your ZIP code and drug list to see what's actually offered at your address.
• 1-800-MEDICARE (1-800-633-4227), 24/7.
• SHINE, Massachusetts's State Health Insurance Assistance Program (SHIP), offers free, unbiased counseling to Medicare beneficiaries. You can reach SHINE through MassOptions at 1-800-243-4636.