Medicare Advantage

Counting Medicare Plans in Biloxi for 2027

Medicare in Biloxi: how many Medicare Advantage and Part D options are listed in Harrison County, plus 2027 program facts.

BILOXI, Miss. — If you're turning 65 on the Coast or shopping for 2027 Medicare coverage during this fall's Annual Enrollment Period, you have a lot to look through. Biloxi is in Harrison County, where CMS listed 70 Medicare Advantage plans for the 2026 plan year. The 2027 plan lineup is published in each plan's Annual Notice of Change and on Medicare.gov's Plan Finder. That's a wide field of choices — and it can feel overwhelming without a plan of attack.

This article sticks to the numbers: how many Medicare options are on the shelf in your area, who is offering them, and where to go for personal answers. We won't rank plans or quote prices. That's on purpose — those details belong on medicare.gov, where you can compare based on your own doctors, prescriptions, and ZIP code.

How many Medicare options are in the Biloxi area?

Medicare Advantage availability is set at the county level, not the city level. Biloxi sits in Harrison County, where CMS listed 70 Medicare Advantage plans for 2026, from 10 different carriers. The 2027 counts are in each plan's ANOC and on Medicare.gov's Plan Finder.

For context, Harrison County is home to about 35,050 residents age 65 and older, so the local market is big enough to attract broad carrier participation. More choice is generally good, but it also means more homework. Two plans from the same insurer can behave very differently once you look at networks and drug lists.

What about stand-alone drug plans?

Part D — prescription drug coverage — can come two ways: bundled inside a Medicare Advantage plan (called MA-PD) or sold separately as a stand-alone Part D plan (PDP) that pairs with Original Medicare.

In Harrison County's 2026 Medicare Advantage landscape, the count of stand-alone Part D plans was listed as 0 in the local MA data set; the 2027 lineup is on Medicare.gov's Plan Finder. If you plan to stay on Original Medicare and want drug coverage, use the Plan Finder tool at medicare.gov to see the full PDP list available to Mississippi residents. A licensed agent or your local SHIP counselor can walk you through it.

A quick word on Star Ratings

CMS gives each Medicare contract a Star Rating from 1 to 5 based on quality and member experience. In Harrison County's 2026 lineup, the data showed 0 contracts rated 4 stars or higher in this local snapshot; the 2027 ratings are on Medicare.gov. Ratings can shift year to year and don't tell you whether a specific plan fits your doctors, drugs, or budget — they're one data point among many.

2027 program facts every Biloxi enrollee should know

These figures come from Medicare itself and apply nationwide:

• Part D out-of-pocket cap: $2,100 in 2026 and $2,400 in 2027. Once your drug spending hits that ceiling, you pay nothing for covered Part D drugs for the rest of the year.
• Part D deductible: cannot exceed $615 in 2026 or $700 in 2027.
• Coverage gap ("donut hole"): eliminated as of 2025. Part D now has three phases instead of four.
• Medicare Prescription Payment Plan: an optional program that lets you spread your yearly drug costs into predictable monthly payments. It doesn't lower the total — it smooths the timing.
• IRMAA: higher-income surcharges on Part B and Part D premiums begin above $109,000 in income for a single filer in 2026.

Important dates to circle

• Oct. 15 – Dec. 7: Medicare Annual Enrollment Period. You can join, switch, or drop a Medicare Advantage or Part D plan. Changes take effect Jan. 1.
• Jan. 1 – March 31: Medicare Advantage Open Enrollment. If you're already in an MA plan, you get one chance to switch to another MA plan or return to Original Medicare (and add a PDP).

Missing these windows usually means waiting a full year, unless you qualify for a Special Enrollment Period.

How to compare 70 plans without losing your mind

A few practical steps:

1. List your doctors and pharmacies. Network is often the biggest deal-breaker on the Coast. 2. List your prescriptions with dosages. Formularies vary a lot between plans. 3. Use medicare.gov's Plan Finder. It filters the entire Harrison County list against your actual drugs and providers. 4. Call in help. 1-800-MEDICARE is available 24/7. Mississippi's SHIP program (State Health Insurance Assistance Program) offers free, unbiased counseling.