Medicare Advantage
Compare 23 Montana Medicare Advantage Plans for 2027 From 3 Carriers
HELENA, Mont. — Montanans on Medicare have a defined window to look at their 2027 coverage options before the December 7, 2026 deadline. According to the CMS Medicare Advantage Landscape Source Files for CY2027, 23 Medicare Advantage plans are offered somewhere in Montana for the 2027 plan year, from three carriers. Not every plan is sold in every county, so the practical question for a reader in Billings, Bozeman, Missoula or Miles City is which of those 23 statewide plans is actually available at their address.
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Key takeaways
- Montana has 23 Medicare Advantage plans listed statewide for 2027 from three carriers: Humana, Range Health and UnitedHealthcare.
- Of those 23 plans, 18 include drug coverage, 3 are new for 2027, and 12 plans from 2026 are not returning for 2027.
- Annual Enrollment for 2027 runs October 15 through December 7, 2026, and the choice you make takes effect January 1, 2027.
- Compare the plans offered in your own county using the Medicare Plan Finder at medicare.gov or by calling 1-800-MEDICARE.
| 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.
How many Medicare Advantage plans are offered in Montana for 2027?
Montana has 23 Medicare Advantage plans listed statewide for the 2027 plan year, drawn from the CMS MA Landscape Source File for CY2027. Of those 23 plans, 18 include Part D prescription drug coverage, 3 are new for 2027, and 12 plans that were available for 2026 are not returning for 2027.
Year-over-year turnover is normal, but it matters for individual households: if you are enrolled in one of the 12 non-returning plans, you will need to pick a different plan or move to Original Medicare for 2027, and your current carrier is required to tell you in writing. The statewide count of 23 is just the ceiling — availability in any single Montana county will be smaller, which is why the comparison has to be done at the county level.
What types of Medicare Advantage plans are available in Montana for 2027, and are there Special Needs Plans?
For 2027 in Montana, the 23 plans break down by type into 3 HMO plans, 17 PPO plans and 3 PFFS (Private Fee-for-Service) plans, according to the CMS Landscape file. Special Needs Plans in Montana include 4 Dual Eligible Special Needs Plans (D-SNP); there are no Chronic Condition SNPs (C-SNP) and no Institutional SNPs (I-SNP) listed statewide for 2027.
The plan type matters because it shapes how you use the plan. HMOs generally focus care within a defined network. PPOs typically allow both in-network and out-of-network care under different terms. PFFS plans operate on the plan's payment terms with providers who agree to accept them. D-SNPs are built for people who have both Medicare and Montana Medicaid, with eligibility rules set by the plan. The full plan-by-plan list is in the table on this page; use it alongside the Plan Finder to see which types are actually sold in your county.
Which carriers offer Medicare Advantage plans in Montana for 2027?
Three carriers offer Medicare Advantage plans in Montana for 2027: Humana, Range Health and UnitedHealthcare, listed here alphabetically. The CMS Landscape file shows Humana with 17 plans (HMO, PFFS and PPO) including 3 D-SNPs; Range Health with 3 plans (PPO); and UnitedHealthcare with 3 plans (PFFS and PPO) including 1 D-SNP.
Those statewide counts do not tell you what is sold on your street. A carrier that lists 17 plans statewide may offer only a handful in your county, and a smaller carrier may or may not serve your ZIP code at all. The carrier table on this page shows the statewide totals; the Medicare Plan Finder shows the subset available where you live.
How do I compare Medicare Advantage plans in my own Montana county for 2027?
To compare the 2027 Medicare Advantage plans in your Montana county, work through the same checklist for each plan you are considering, in this order:
1. Doctors. Call your primary care provider and any specialists you see and ask, by plan name and plan ID, whether they will be in-network for 2027. Networks can change year to year. 2. Hospitals. Confirm the hospital you would use — whether that is Billings Clinic, Bozeman Health, St. Patrick in Missoula, St. Vincent Healthcare, Benefis in Great Falls, Logan Health in Kalispell or a critical-access hospital — is contracted with the plan for 2027. 3. Prescriptions. Enter every medication, dose and quantity into the Medicare Plan Finder. The same drug can sit on different tiers under different plans. 4. Pharmacies. Check that your usual pharmacy — chain, grocery, independent or mail-order — is a preferred or standard network pharmacy under the plan for 2027. 5. Annual Notice of Change (ANOC). If you are already in a Medicare Advantage plan, read the ANOC your carrier sent in September. It spells out what is changing for 2027. 6. Medicare Plan Finder. At medicare.gov, enter your ZIP code and compare the 2027 plans side by side using your own drug list and pharmacy.
Doing these steps for each plan is more useful than any statewide ranking, because the right answer depends on your doctors, your medications and your county.
What should I do in Montana before December 7, 2026?
Before December 7, 2026, Montanans should confirm what their current plan looks like for the 2027 plan year and compare it against the other Medicare Advantage plans — or Original Medicare with a standalone Part D plan — available in their county. The Annual Enrollment Period for 2027 runs October 15 through December 7, 2026, and the choice you make during that window takes effect January 1, 2027.
A practical sequence: read your ANOC; list your doctors, hospitals, drugs and pharmacies; run the Plan Finder with that list; and, if you are moving, enroll before December 7, 2026. If one of the 12 non-returning 2026 plans is yours, acting during this window keeps your coverage continuous.
Where can Montanans get free help comparing 2027 Medicare plans?
Free, neutral help is available directly from Medicare. You can use the Medicare Plan Finder at medicare.gov any time, or call 1-800-MEDICARE (1-800-633-4227), which is staffed 24 hours a day, 7 days a week, with TTY service at 1-877-486-2048.
Medicare's own tools do not sell plans and do not favor one carrier. For plan-specific details — the Evidence of Coverage, the provider directory and the formulary — go to the carrier's own materials, which Medicare.gov links from each plan's listing.
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.
The 2027 choices, by type
HMO, PPO and Special Needs Plans across Montana for 2027
- Humana 17 plans: HMO, PFFS, PPO
- Range Health 3 plans: PPO
- UnitedHealthcare 3 plans: PFFS, PPO
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.
2027 plan lineup
Medicare Advantage plans in Montana for 2027
CMS lists 23 Medicare Advantage plans across Montana for 2027 from 3 carriers, alphabetically by carrier, widest county reach first.
| Plan | Type | Drug coverage | Counties |
|---|---|---|---|
| Humana 17 plans | |||
| Humana Dual QMB Only (PPO D-SNP) | PPO D-SNP | Yes | 38 |
| Humana USAA Honor Giveback (PPO) | PPO | No | 38 |
| Humana USAA Honor Giveback (PPO) | PPO | No | 38 |
| HumanaChoice H5216-048 (PPO) | PPO | Yes | 38 |
| HumanaChoice SNP-DE H7617-036 (PPO D-SNP) | PPO D-SNP | Yes | 38 |
| Humana Gold Plus SNP-DE H6622-008 (HMO D-SNP) | HMO D-SNP | Yes | 37 |
| HumanaChoice H5216-457 (PPO) | PPO | Yes | 30 |
| Humana Gold Plus H6622-007 (HMO) | HMO | Yes | 24 |
| Humana USAA Honor Giveback (PPO) | PPO | No | 19 |
| HumanaChoice H5525-054 (PPO) | PPO | Yes | 19 |
| Humana Gold Choice H8145-006 (PFFS) | PFFS | Yes | 11 |
| HumanaChoice H5216-089 (PPO) | PPO | Yes | 8 |
| Humana Essentials Plus Giveback (PPO) | PPO | Yes | 6 |
| Humana Full Access (PPO) | PPO | Yes | 6 |
| Humana Total Complete (HMO) | HMO | Yes | 6 |
| Humana Value Choice (PPO) | PPO | Yes | 6 |
| HumanaChoice H5216-457 (PPO) | PPO | Yes | 6 |
| Range Health 3 plans | |||
| True West No Rx 3 (PPO) | PPO | No | 9 |
| True West Rx 2 (PPO) | PPO | Yes | 6 |
| True West Rx 1 (PPO) | PPO | Yes | 3 |
| UnitedHealthcare 3 plans | |||
| UHC MedicareDirect Patriot No Rx PF-MA01 (PFFS) | PFFS | No | 9 |
| UHC MedicareDirect PF-0001 (PFFS) | PFFS | Yes | 9 |
| UHC Dual Complete MT-S001 (PPO D-SNP) | PPO D-SNP | Yes | 8 |
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 Medicare Advantage plans are available in Montana for 2027?
When is the Annual Enrollment Period for 2027 coverage?
What happens if my current Montana plan is one of the 12 not returning for 2027?
Where do I find each plan's premium, drug list and network?
Watch
The Medicare Advantage changes for 2027 in every state, in 30 seconds
- 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): the Montana statewide plan count, plan-type breakdown, SNP counts, carrier counts, drug-coverage count and the new/non-returning counts.
- CMS — Medicare Advantage Landscape Source Files (CY2026 and CY2027): the year-over-year comparison between 2026 and 2027.
- Medicare.gov (CMS): the Annual Enrollment Period dates, the January 1, 2027 effective date, the Plan Finder tool and the 1-800-MEDICARE number.
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.