Medicare Advantage

Oxford, MS: Medicare Advantage carriers for 2027

Oxford, Miss. — Older adults in and around Oxford have a wide field of Medicare choices to sort through for 2027. According to CMS Medicare Plan Finder data for 2026, Oxford is in Lafayette County, where 33 Medicare Advantage plans were available, offered by 5 carriers. The 2027 lineup is detailed in each plan's Annual Notice of Change and on Medicare.gov's Plan Finder. The Annual Enrollment Period closes December 7.

What "33 plans" really means for Oxford

Medicare plan availability is set at the county level, not the city level. So when we say 33 Medicare Advantage plans are available in Oxford, that's really the count for all of Lafayette County. Every ZIP code inside the county sees the same overall menu, though the specific plans a person qualifies for depend on their situation.

With roughly 7,981 residents age 65 and older in the county, that works out to a broad set of choices per eligible person. A large menu is a good thing — but it also means it pays to slow down and compare carefully.

The carrier picture

Five carriers offered Medicare Advantage plans with prescription drug coverage (MA-PD) in the Lafayette County area for 2026. The 2027 carrier list is in each plan's ANOC and on Medicare.gov's Plan Finder. Multiple carriers usually means multiple provider networks, so if keeping a specific doctor or hospital matters to you, check each plan's network directly before enrolling.

Stand-alone Part D in the county

Mississippi has 10 stand-alone Part D plans for 2026, sold statewide, and Lafayette County residents with Original Medicare can join any of them. In practice, local residents who want drug coverage can either enroll in a stand-alone Part D plan alongside Original Medicare or pick a Medicare Advantage plan with drug coverage built in (an MA-PD). For 2027, check each plan's ANOC and Medicare.gov's Plan Finder. If you have Original Medicare and want a separate drug plan, call 1-800-MEDICARE or check medicare.gov for the current options available to your ZIP code.

Star Ratings in the area

CMS Star Ratings measure plan quality on a 1-to-5 scale, looking at things like customer service, member complaints, and how well plans manage chronic conditions. Under CMS's 2026 Star Ratings, 9 Medicare Advantage contracts offer plans in Lafayette County, 8 of them have a 2026 Star Rating, and 2 of those are rated 4 stars or higher. Ratings can shift year to year, and they're one tool among several — not the whole story. Use them alongside network checks and drug coverage checks.

Program rules worth knowing before you compare

A few program-wide facts apply no matter which plan you look at:

• Part D out-of-pocket cap: $2,100 in 2026 and $2,400 in 2027. Once you hit that, covered drug costs are capped for the rest of the year.
• Part D maximum deductible: $615 in 2026 ($700 in 2027).
• Coverage gap eliminated: The old "donut hole" is gone as of 2025. Part D now has three phases.
• Medicare Prescription Payment Plan: An optional program that lets you spread drug costs across the year in monthly payments instead of paying at the pharmacy counter.
• IRMAA: Higher-income surcharges on Part B and Part D premiums begin above $109,000 in income for a single filer in 2026.
• Enrollment windows: Annual Enrollment runs Oct. 15 through Dec. 7. Medicare Advantage Open Enrollment runs Jan. 1 through March 31 for those already in an MA plan.

Getting help sorting through 33 plans

Thirty-three is a lot. If the choices feel overwhelming, you don't have to work through them alone. Mississippi's State Health Insurance Assistance Program (SHIP) offers free, unbiased one-on-one counseling. You can also use the official Plan Finder at medicare.gov, which lets you enter your ZIP code, your prescriptions, and your preferred pharmacies to narrow the field.