Medicare Advantage
St. Louis's 2027 Medicare Advantage map: who is in, who is out, and what is new
St. Louis city has 80 Medicare Advantage plans for 2027. Compared with 2026, 10 plans are not coming back, 11 are new, and 41 continuing plans changed in some way you should check before December 7, 17 of them under a new name. This guide covers what those numbers mean for St. Louis, not which plan to pick.
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Key takeaways
- St. Louis city's 2026 Advantage lineup includes 79 plans from 11 carriers; the full carrier-by-carrier list is in the table below.
- Ten plans will not be offered in St. Louis city for 2027, and 11 plans are new for 2027.
- If your current plan is leaving, you get a Special Enrollment Period to choose a new plan or return to Original Medicare.
- The Annual Enrollment Period runs Oct. 15 – Dec. 7, 2026, and any change you make takes effect Jan. 1, 2027.
| Fact | Figure | Source |
|---|---|---|
| Medicare Advantage plans offered in St. Louis city (2026) | 79 | CMS |
| Medicare Advantage plans offered in St. Louis city (2027) | 80 | CMS |
| Plans not returning for 2027 / new for 2027 | 10 / 11 | CMS |
| Organizations offering Medicare Advantage in St. Louis city (2026) | 11 | CMS |
| Share of eligible beneficiaries in Medicare Advantage, St. Louis city | 65% | CMS |
| Residents age 65 and older, St. Louis city | 44,707 | U.S. Census Bureau |
| 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.
ST. LOUIS — As the Annual Enrollment Period opens Oct. 15, 2026, the Medicare Advantage lineup for St. Louis city is shifting around the edges. Eleven carriers plan to sell Advantage coverage here for 2027, and the mix includes a handful of new plans, several name changes, and ten plans that will not come back next year.
If you live in St. Louis, this is the moment to open your plan's Annual Notice of Change (ANOC) and see where your plan sits in that shuffle before the Dec. 7, 2026 deadline.
Which carriers sell Medicare Advantage in St. Louis for 2026, and how is the 2027 lineup shaping up?
St. Louis is in St. Louis city, where CMS lists 79 Medicare Advantage plans from 11 carriers for 2026. By plan type, that breaks down to 31 HMO plans, 20 HMO-POS plans, 27 PPO plans and 1 PFFS plan. Of those, 34 are Special Needs Plans (SNPs) and 72 include Part D drug coverage.
For 2027, CMS's year-over-year comparison shows 10 plans leaving, 11 plans new, 17 renamed, and 52 continuing unchanged in name and basic structure. Another 24 continuing plans show a change on premium, deductible, type or name — the kind of detail you will see spelled out in your ANOC.
The 11 carriers offering plans in St. Louis city for 2026 are Aetna (CVS Health), American Health Advantage of Missouri, Blue Cross Blue Shield (HCSC), Centene (WellCare), Devoted Health, Elevance Health (Anthem), Essence Healthcare, Humana, NHC Advantage, Provider Partners Health Plans, and UnitedHealthcare. The full plan-by-plan roster is in the table below.
Which Medicare Advantage plans are not returning to St. Louis in 2027?
Ten plans will not be offered in St. Louis city for 2027. They are:
- HealthSpring True Choice Savings (PPO) — Blue Cross Blue Shield (HCSC)
- Wellcare Giveback (HMO-POS) — Centene (WellCare)
- Provider Partners Missouri Community Plan (HMO I-SNP) — Provider Partners Health Plans
- Provider Partners Missouri Essential Plan (HMO I-SNP) — Provider Partners Health Plans
- AARP Medicare Advantage from UHC ST-2 (PPO) — UnitedHealthcare
- UHC Complete Care AM-1 (Regional PPO C-SNP) — UnitedHealthcare
- UHC Complete Care Support AM-1A (Regional PPO C-SNP) — UnitedHealthcare
- UHC Dual Complete MO-S3 (HMO-POS D-SNP) — UnitedHealthcare
- UHC Dual Complete MO-V001 (HMO-POS D-SNP) — UnitedHealthcare
- UHC Medicare Advantage AM-0002 (Regional PPO) — UnitedHealthcare
A note on the Provider Partners names: two plans in the "leaving" list share names with plans in the "new for 2027" list. CMS treats them as different contracts, so if you are enrolled in one of these today, read your ANOC carefully to see which contract is ending and which is replacing it.
Which Medicare Advantage plans are new in St. Louis for 2027?
Eleven plans are new to St. Louis city for the 2027 plan year:
- Aetna Medicare Elite (PPO) — Aetna (CVS Health)
- Aetna Medicare Enhanced (PPO) — Aetna (CVS Health)
- Aetna Medicare Full Dual Extra (HMO D-SNP) — Aetna (CVS Health)
- Aetna Medicare Longevity (HMO I-SNP) — Aetna (CVS Health)
- HealthSpring True Choice (PPO) — Blue Cross Blue Shield (HCSC)
- DEVOTED C-SNP GIVEBACK EXTRAS 029 MO (HMO C-SNP) — Devoted Health
- DEVOTED GIVEBACK EXTRAS 028 MO (HMO) — Devoted Health
- Provider Partners Missouri Community Plan (HMO I-SNP) — Provider Partners Health Plans
- Provider Partners Missouri Essential Plan (HMO I-SNP) — Provider Partners Health Plans
- UHC Dual Advantage MO-V1 (HMO-POS D-SNP) — UnitedHealthcare
- UHC Dual Complete MO-S3 (HMO-POS D-SNP) — UnitedHealthcare
Several of these are Special Needs Plans, meaning you have to qualify — for example, by having both Medicare and Medicaid (D-SNP), by living in a nursing facility (I-SNP), or by having a listed chronic condition (C-SNP).
Which St. Louis Medicare Advantage plans were renamed for 2027?
Seventeen plans in St. Louis city carry a new name for 2027 but are the same contract. A rename does not, by itself, mean benefits are changing — but it is a strong signal to open the ANOC and look. Among the renames: three Aetna PPOs (Aetna Medicare Elite Classic, Aetna Medicare Elite Classic Extra and Aetna Medicare Enhanced Classic); three Wellcare D-SNPs now carrying "Home State Health" in the name; one Devoted C-SNP (DEVOTED C-SNP ENHANCED 015 MO); several Humana plans now sold as Humana Essentials Plus Giveback, Humana Full Access, Humana Total Complete and Humana Value Choice; and two UnitedHealthcare D-SNPs renumbered as UHC Dual Complete MO-Q1 and MO-Q2.
What happens if my St. Louis Medicare Advantage plan is leaving in 2027?
If your plan is on the "leaving" list, you will get a non-renewal notice from your carrier. You then qualify for a Special Enrollment Period that lets you pick a different Medicare Advantage plan or go back to Original Medicare with a stand-alone Part D drug plan — outside the regular Annual Enrollment calendar. Medicare.gov and 1-800-MEDICARE can walk you through the exact dates for your situation.
If you do nothing and your plan is still being offered next year, it simply renews on Jan. 1, 2027 with the changes described in its ANOC.
What are the key 2027 Medicare dates and dollar figures to know?
The Annual Enrollment Period for 2027 coverage runs Oct. 15 – Dec. 7, 2026. The Medicare Advantage Open Enrollment Period, for people already in an Advantage plan who want to switch once, runs Jan. 1 – March 31, 2027.
On the Part D side, CMS has confirmed a few 2027 figures:
- Part D out-of-pocket cap: $2,400 in 2027 (it is $2,100 in 2026).
- Part D maximum deductible: $700 in 2027 (it is $615 in 2026).
- Part D national base beneficiary premium for 2027: $41.33 (this is a formula input, not what any specific plan charges).
The 2027 Part B standard premium and deductible, and the 2027 IRMAA income brackets, have not been announced yet; CMS typically publishes them later in the fall. The Medicare Prescription Payment Plan, which lets you spread drug costs over the year, is still available.
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.
By the numbers
How people get Medicare in St. Louis city
(MA penetration in St. Louis city)
MA penetration from CMS enrollment data; Medigap share is an estimate. U.S. average is about 54% Medicare Advantage. These are area-level figures, not plan-specific.
Plan availability
Medicare Advantage plans available in St. Louis city for 2026
St. Louis is in St. Louis city. CMS lists 79 Medicare Advantage plans from 11 carriers there for 2026, shown alphabetically by carrier. This is availability, not a comparison: premiums, benefits, networks and star ratings are not shown. Plan details come from the Medicare Plan Finder at medicare.gov or the plan itself.
| Plan | Type | Drug coverage | Status |
|---|---|---|---|
| Aetna (CVS Health) 10 plans | |||
| Aetna Medicare Chronic Care (HMO C-SNP) | HMO C-SNP | Yes | Offered |
| Aetna Medicare Dual (HMO D-SNP) | HMO D-SNP | Yes | Offered |
| Aetna Medicare Eagle (HMO-POS) | HMO-POS | No | Offered |
| Aetna Medicare Elite Classic (PPO) | PPO | Yes | Renamed for 2027 |
| Aetna Medicare Elite Classic Extra (PPO) | PPO | Yes | Renamed for 2027 |
| Aetna Medicare Enhanced Classic (PPO) | PPO | Yes | Renamed for 2027 |
| Aetna Medicare Enhanced Extra (HMO-POS) | HMO-POS | Yes | Offered |
| Aetna Medicare Full Dual (HMO D-SNP) | HMO D-SNP | Yes | Offered |
| Aetna Medicare Signature (HMO-POS) | HMO-POS | Yes | Offered |
| Aetna Medicare Value Plus (HMO-POS) | HMO-POS | Yes | Offered |
| American Health Advantage of Missouri 2 plans | |||
| American Health Advantage of Missouri (HMO I-SNP) | HMO I-SNP | Yes | Offered |
| American Health Advantage of Missouri Choice (HMO I-SNP) | HMO I-SNP | Yes | Offered |
| Blue Cross Blue Shield (HCSC) 5 plans | |||
| HealthSpring Preferred (HMO) | HMO | Yes | Offered |
| HealthSpring Preferred Savings (HMO) | HMO | Yes | Offered |
| HealthSpring TotalCare (HMO D-SNP) | HMO D-SNP | Yes | Offered |
| HealthSpring TotalCare Plus (HMO D-SNP) | HMO D-SNP | Yes | Offered |
| HealthSpring True Choice Savings (PPO) | PPO | Yes | Not offered for 2027 |
| Centene (WellCare) 7 plans | |||
| Wellcare Giveback (HMO-POS) | HMO-POS | Yes | Not offered for 2027 |
| Wellcare Home State Health Dual Access (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | Renamed for 2027 |
| Wellcare Home State Health Dual Access Open (PPO D-SNP) | PPO D-SNP | Yes | Renamed for 2027 |
| Wellcare Home State Health Dual Reserve (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | Renamed for 2027 |
| Wellcare Patriot Giveback Open (PPO) | PPO | No | Offered |
| Wellcare Simple (HMO-POS) | HMO-POS | Yes | Offered |
| Wellcare Simple Open (PPO) | PPO | Yes | Offered |
| Devoted Health 7 plans | |||
| DEVOTED C-SNP ENHANCED 015 MO (HMO C-SNP) | HMO C-SNP | Yes | Renamed for 2027 |
| DEVOTED C-SNP PLUS 016 MO (HMO C-SNP) | HMO C-SNP | Yes | Offered |
| DEVOTED CORE 001 MO (HMO) | HMO | Yes | Offered |
| DEVOTED DUAL 008 MO (HMO D-SNP) | HMO D-SNP | Yes | Offered |
| DEVOTED DUAL FULL 011 MO (HMO D-SNP) | HMO D-SNP | Yes | Offered |
| DEVOTED DUAL PLUS 007 MO (HMO D-SNP) | HMO D-SNP | Yes | Offered |
| DEVOTED GIVEBACK 002 MO (HMO) | HMO | Yes | Offered |
| Elevance Health (Anthem) 5 plans | |||
| Anthem Chronic Care (HMO-POS C-SNP) | HMO-POS C-SNP | Yes | Offered |
| Anthem Full Dual Advantage (HMO D-SNP) | HMO D-SNP | Yes | Offered |
| Anthem Full Dual Advantage 2 (HMO D-SNP) | HMO D-SNP | Yes | Offered |
| Anthem Medicare Advantage (HMO-POS) | HMO-POS | Yes | Offered |
| Anthem Veteran (PPO) | PPO | No | Offered |
| Essence Healthcare 5 plans | |||
| Essence Advantage (HMO) | HMO | Yes | Offered |
| Essence Advantage Choice (PPO) | PPO | Yes | Offered |
| Essence Advantage Plus (HMO) | HMO | Yes | Offered |
| Essence Advantage Premier Plus (PPO) | PPO | Yes | Offered |
| Essence Advantage Select (HMO) | HMO | Yes | Offered |
| Humana 17 plans | |||
| Humana Essentials Plus Giveback (HMO) | HMO | Yes | Renamed for 2027 |
| Humana Essentials Plus Giveback (HMO) | HMO | Yes | Renamed for 2027 |
| Humana Full Access (PPO) | PPO | Yes | Renamed for 2027 |
| Humana Full Access (PPO) | PPO | Yes | Renamed for 2027 |
| Humana Gold Choice H8145-006 (PFFS) | PFFS | Yes | Offered |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) | HMO C-SNP | Yes | Offered |
| Humana Gold Plus SNP-DE H0028-015 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | Offered |
| Humana Gold Plus SNP-DE H4461-044 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | Offered |
| Humana Total Complete (HMO) | HMO | Yes | Renamed for 2027 |
| Humana Total Complete (HMO) | HMO | Yes | Renamed for 2027 |
| Humana USAA Honor Giveback (PPO) | PPO | No | Offered |
| Humana USAA Honor Giveback (PPO) | PPO | No | Offered |
| Humana USAA Honor Giveback (Regional PPO) | PPO | No | Offered |
| Humana Value Choice (PPO) | PPO | Yes | Renamed for 2027 |
| Humana Value Choice (PPO) | PPO | Yes | Renamed for 2027 |
| HumanaChoice H5216-032 (PPO) | PPO | Yes | Offered |
| HumanaChoice R1532-002 (Regional PPO) | PPO | Yes | Offered |
| NHC Advantage 2 plans | |||
| NHC Advantage (HMO I-SNP) | HMO I-SNP | Yes | Offered |
| Senior Care (HMO I-SNP) | HMO I-SNP | Yes | Offered |
| Provider Partners Health Plans 3 plans | |||
| Provider Partners Missouri Advantage Plan (HMO I-SNP) | HMO I-SNP | Yes | Offered |
| Provider Partners Missouri Community Plan (HMO I-SNP) | HMO I-SNP | Yes | Not offered for 2027 |
| Provider Partners Missouri Essential Plan (HMO I-SNP) | HMO I-SNP | Yes | Not offered for 2027 |
| UnitedHealthcare 16 plans | |||
| AARP Medicare Advantage CareFlex from UHC ST-6 (HMO-POS) | HMO-POS | Yes | Offered |
| AARP Medicare Advantage Essentials from UHC ST-3 (HMO-POS) | HMO-POS | Yes | Offered |
| AARP Medicare Advantage Extras from UHC ST-4 (HMO-POS) | HMO-POS | Yes | Offered |
| AARP Medicare Advantage from UHC ST-0001 (PPO) | PPO | Yes | Offered |
| AARP Medicare Advantage from UHC ST-1P (HMO-POS) | HMO-POS | Yes | Offered |
| AARP Medicare Advantage from UHC ST-2 (PPO) | PPO | Yes | Not offered for 2027 |
| AARP Medicare Advantage Patriot No Rx MO-MA01 (HMO-POS) | HMO-POS | No | Offered |
| UHC Complete Care AM-1 (Regional PPO C-SNP) | PPO C-SNP | Yes | Not offered for 2027 |
| UHC Complete Care MO-1 (PPO C-SNP) | PPO C-SNP | Yes | Offered |
| UHC Complete Care Support AM-1A (Regional PPO C-SNP) | PPO C-SNP | Yes | Not offered for 2027 |
| UHC Dual Complete MO-Q1 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | Renamed for 2027 |
| UHC Dual Complete MO-Q2 (PPO D-SNP) | PPO D-SNP | Yes | Renamed for 2027 |
| UHC Dual Complete MO-S3 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | Not offered for 2027 |
| UHC Dual Complete MO-V001 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | Not offered for 2027 |
| UHC Medicare Advantage AM-0002 (Regional PPO) | PPO | Yes | Not offered for 2027 |
| UHC Nursing Home Plan MO-F001 (PPO I-SNP) | PPO I-SNP | Yes | Offered |
New for 2027 (not offered for 2026)
| Plan | Carrier | Type | Drug coverage |
|---|---|---|---|
| Aetna Medicare Elite (PPO) | Aetna (CVS Health) | PPO | Yes |
| Aetna Medicare Enhanced (PPO) | Aetna (CVS Health) | PPO | Yes |
| Aetna Medicare Full Dual Extra (HMO D-SNP) | Aetna (CVS Health) | HMO D-SNP | Yes |
| Aetna Medicare Longevity (HMO I-SNP) | Aetna (CVS Health) | HMO I-SNP | Yes |
| HealthSpring True Choice (PPO) | Blue Cross Blue Shield (HCSC) | PPO | Yes |
| DEVOTED C-SNP GIVEBACK EXTRAS 029 MO (HMO C-SNP) | Devoted Health | HMO C-SNP | Yes |
| DEVOTED GIVEBACK EXTRAS 028 MO (HMO) | Devoted Health | HMO | Yes |
| Provider Partners Missouri Community Plan (HMO I-SNP) | Provider Partners Health Plans | HMO I-SNP | Yes |
| Provider Partners Missouri Essential Plan (HMO I-SNP) | Provider Partners Health Plans | HMO I-SNP | Yes |
| UHC Dual Advantage MO-V1 (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP | Yes |
| UHC Dual Complete MO-S3 (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP | Yes |
Source: CMS Medicare Advantage Landscape Source File, plan year 2026 and 2027. Plan availability is set at the county level.
What changes next year
Medicare Advantage plans leaving or changing in St. Louis city for 2027
St. Louis is in St. Louis city. Comparing CMS’s 2026 and 2027 Landscape files for the county:
Plans not offered in St. Louis city for 2027
| Plan | Carrier | Type |
|---|---|---|
| HealthSpring True Choice Savings (PPO) | Blue Cross Blue Shield (HCSC) | PPO |
| Wellcare Giveback (HMO-POS) | Centene (WellCare) | HMO-POS |
| Provider Partners Missouri Community Plan (HMO I-SNP) | Provider Partners Health Plans | HMO I-SNP |
| Provider Partners Missouri Essential Plan (HMO I-SNP) | Provider Partners Health Plans | HMO I-SNP |
| AARP Medicare Advantage from UHC ST-2 (PPO) | UnitedHealthcare | PPO |
| UHC Complete Care AM-1 (Regional PPO C-SNP) | UnitedHealthcare | PPO C-SNP |
| UHC Complete Care Support AM-1A (Regional PPO C-SNP) | UnitedHealthcare | PPO C-SNP |
| UHC Dual Complete MO-S3 (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP |
| UHC Dual Complete MO-V001 (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP |
| UHC Medicare Advantage AM-0002 (Regional PPO) | UnitedHealthcare | PPO |
Plans new to St. Louis city for 2027
| Plan | Carrier | Type |
|---|---|---|
| Aetna Medicare Elite (PPO) | Aetna (CVS Health) | PPO |
| Aetna Medicare Enhanced (PPO) | Aetna (CVS Health) | PPO |
| Aetna Medicare Full Dual Extra (HMO D-SNP) | Aetna (CVS Health) | HMO D-SNP |
| Aetna Medicare Longevity (HMO I-SNP) | Aetna (CVS Health) | HMO I-SNP |
| HealthSpring True Choice (PPO) | Blue Cross Blue Shield (HCSC) | PPO |
| DEVOTED C-SNP GIVEBACK EXTRAS 029 MO (HMO C-SNP) | Devoted Health | HMO C-SNP |
| DEVOTED GIVEBACK EXTRAS 028 MO (HMO) | Devoted Health | HMO |
| Provider Partners Missouri Community Plan (HMO I-SNP) | Provider Partners Health Plans | HMO I-SNP |
| Provider Partners Missouri Essential Plan (HMO I-SNP) | Provider Partners Health Plans | HMO I-SNP |
| UHC Dual Advantage MO-V1 (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP |
| UHC Dual Complete MO-S3 (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP |
Plans continuing under a new name
| Plan | Carrier | Type |
|---|---|---|
| Aetna Medicare Elite Classic (PPO) (was Aetna Medicare Elite (PPO)) | Aetna (CVS Health) | PPO |
| Aetna Medicare Elite Classic Extra (PPO) (was Aetna Medicare Signature (PPO)) | Aetna (CVS Health) | PPO |
| Aetna Medicare Enhanced Classic (PPO) (was Aetna Medicare Enhanced (PPO)) | Aetna (CVS Health) | PPO |
| Wellcare Home State Health Dual Access (HMO-POS D-SNP) (was Wellcare Dual Access (HMO-POS D-SNP)) | Centene (WellCare) | HMO-POS D-SNP |
| Wellcare Home State Health Dual Access Open (PPO D-SNP) (was Wellcare Dual Access Open (PPO D-SNP)) | Centene (WellCare) | PPO D-SNP |
| Wellcare Home State Health Dual Reserve (HMO-POS D-SNP) (was Wellcare Dual Reserve (HMO-POS D-SNP)) | Centene (WellCare) | HMO-POS D-SNP |
| DEVOTED C-SNP ENHANCED 015 MO (HMO C-SNP) (was DEVOTED C-SNP PREMIUM 015 MO (HMO C-SNP)) | Devoted Health | HMO C-SNP |
| Humana Essentials Plus Giveback (HMO) (was Humana Gold Plus Giveback H0028-065 (HMO)) | Humana | HMO |
| Humana Essentials Plus Giveback (HMO) (was Humana Essentials Plus Giveback H4461-045 (HMO)) | Humana | HMO |
| Humana Full Access (PPO) (was Humana Full Access H5216-407 (PPO)) | Humana | PPO |
| Humana Full Access (PPO) (was Humana Full Access H7617-008 (PPO)) | Humana | PPO |
| Humana Total Complete (HMO) (was Humana Gold Plus H0028-014 (HMO)) | Humana | HMO |
| Humana Total Complete (HMO) (was Humana Total Complete H4461-046 (HMO)) | Humana | HMO |
| Humana Value Choice (PPO) (was Humana Value Choice H5216-318 (PPO)) | Humana | PPO |
| Humana Value Choice (PPO) (was Humana Value Choice H7617-023 (PPO)) | Humana | PPO |
| UHC Dual Complete MO-Q1 (HMO-POS D-SNP) (was UHC Dual Complete MO-S001 (HMO-POS D-SNP)) | UnitedHealthcare | HMO-POS D-SNP |
| UHC Dual Complete MO-Q2 (PPO D-SNP) (was UHC Dual Complete MO-S002 (PPO D-SNP)) | UnitedHealthcare | PPO D-SNP |
“Changing” means the plan’s 2027 record differs from 2026 on premium, drug deductible, plan type or name; the details are in the Annual Notice of Change your plan mails by September 30. If your plan is not offered for 2027, you can choose another during the Annual Enrollment Period (October 15 to December 7) and you also get a Special Enrollment Period that runs through the end of February. Source: CMS MA Landscape Source Files. No plan is ranked or recommended.
The choices, by type
How the Medicare Advantage choices in St. Louis break down for 2026
Carriers offering plans in St. Louis city, alphabetically, with the number of plans each offers:
- Aetna (CVS Health) 10 plans
- American Health Advantage of Missouri 2 plans
- Blue Cross Blue Shield (HCSC) 5 plans
- Centene (WellCare) 7 plans
- Devoted Health 7 plans
- Elevance Health (Anthem) 5 plans
- Essence Healthcare 5 plans
- Humana 17 plans
- NHC Advantage 2 plans
- Provider Partners Health Plans 3 plans
- UnitedHealthcare 16 plans
HMO plans use a network and usually a primary-care doctor; HMO-POS plans add some out-of-network coverage; PPO plans 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 who are dual-eligible (D-SNP), have certain conditions (C-SNP) or live in an institution (I-SNP). Source: CMS Landscape Source File. No plan is ranked or recommended here.
Explore
When can you enroll? An interactive year
Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.
Explore
The parts of Medicare
Good to know
Frequently asked questions
When do I need to decide on my 2027 Medicare coverage?
My Medicare Advantage plan is on the "leaving" list for St. Louis. What are my options?
My plan has a new name for 2027 — did my coverage change?
Where can I compare the full 2027 St. Louis lineup side by side?
- 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.
Also for St. Louis
Sources and methodology
- CMS, Medicare Advantage and Part D Landscape Source Files
- CMS, Medicare Advantage state/county penetration and enrollment files
- U.S. Census Bureau, American Community Survey (table B01001, age 65 and older)
- 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
Figures cited in this article
- CMS — Medicare Advantage Landscape Source File (2026): plan and carrier counts for St. Louis city and the full plan roster.
- CMS — Medicare Advantage Landscape Source Files (2026 vs. 2027): the plans leaving, new, renamed and continuing for 2027.
- CMS — 2027 Part D parameters: out-of-pocket cap, maximum deductible and national base beneficiary premium.
- Medicare.gov — enrollment periods and the Medicare Plan Finder.
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.
Content Integrity Standards
- No invented figures. Program-level numbers come from CMS / Medicare.gov; we never use placeholder data.
- No plan recommendations. This is educational content. We don't score or recommend specific plans; any Star Ratings shown are Medicare's own CMS ratings, stated as published.
- AI-assisted, human-reviewed. Articles are produced with AI-assisted tools and reviewed by the responsible desk before publishing.
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This page was last updated: October 2026.