Medicare Advantage

Before you renew in Henderson: a side-by-side way to check your 2027 Medicare Advantage plan

For 2027, Henderson is looking at 72 Medicare Advantage plans: 9 new, 11 gone since 2026, and 33 still here but changed on premium, deductible, plan type or name, 15 of them under a new name. Below, how the lineup shifted in Clark County and what to compare, with no plan ranked or recommended.

Henderson, Nev. — It is fall 2026, and Annual Notice of Change letters are landing in mailboxes across Clark County. If you are on a Medicare Advantage plan — or thinking about joining one — you have from October 15 to December 7, 2026 to make a change that starts January 1, 2027. This guide walks you through a plain, step-by-step way to compare the 2027 plans available where you live, using tools you can trust.

What is on offer in Clark County for 2027

Henderson is in Clark County, where Medicare Advantage plan availability is set. For 2027, Clark County residents have 72 Medicare Advantage plans from 10 carriers. By plan type, that breaks down to 37 HMOs, 18 HMO-POS plans and 17 PPOs. All 72 include drug coverage.

Thirty-three plans are Special Needs Plans (SNPs), which are built for people with specific situations: 16 Dual Eligible SNPs (for people with both Medicare and Medicaid), 16 Chronic Condition SNPs (for conditions like diabetes or heart disease), and 1 Institutional SNP.

The 10 carriers offering plans next year are Aetna (CVS Health), Alignment Health Plan, Centene (WellCare), Champion Health Plan, Elevance Health (Anthem), HealthSpring, Humana, SCAN Health Plan, Select Health and UnitedHealthcare. The table below lists every plan by carrier.

What is new, and what is leaving

Year to year, carriers add plans, retire plans and rename plans. For 2027 in Clark County:

• 9 plans are new.
• 11 plans are not returning.
• Some plans you may have today have been renamed — the benefits and network may also have shifted.

That is why your Annual Notice of Change (ANOC), mailed by your carrier in September, matters this year. It spells out exactly what is different about your plan for 2027: premium, deductible, copays, drug tier changes, network changes and extra benefits.

A step-by-step way to compare

Give yourself an hour and a notepad. Then work through these five checks for any plan you are considering — including the one you already have.

1. Read your Annual Notice of Change first. If your plan is renewing, the ANOC is your starting line. Flag anything that is going up, going away or being added.

2. Check your doctors and hospitals. Call each provider's office and ask: "Will you be in-network with this plan in 2027?" Do not rely on last year's answer. On a PPO you can usually go out-of-network at a higher cost; on an HMO or HMO-POS, out-of-network care is generally not covered except for emergencies.

3. Check your prescriptions. Open medicare.gov's Plan Finder, enter your drugs and doses, and look at each plan's drug list (formulary), tier, prior authorization rules and the total yearly drug cost estimate. A reminder on the Part D side: in 2027, the out-of-pocket cap for covered drugs rises to $2,400 (it is $2,100 in 2026), and the maximum Part D deductible is $700 (it is $615 in 2026).

4. Check your pharmacy. Plans have "preferred" and "standard" pharmacies, and costs can differ. Make sure the pharmacy you actually use — chain, independent or mail order — is a preferred one for the plan.

5. Add up the full year, not just the premium. Look at the monthly premium, the medical deductible, primary care and specialist copays, hospital costs, and your drug costs. A low-premium plan can cost more overall if your medicines or specialists are expensive on it.

Which plan type fits how you get care

HMO plans ask you to use the plan's network and often a primary care doctor who coordinates referrals. HMO-POS plans are HMOs with a limited "point-of-service" option for some out-of-network care. PPO plans give you more flexibility to see out-of-network providers, usually at a higher cost. None of these is better in the abstract — the right fit depends on your doctors, your travel and how much choice you want.

If you have both Medicare and Medicaid, a chronic condition like diabetes or heart failure, or you live in a long-term care setting, ask whether a Special Needs Plan fits your situation.

Where to get trustworthy answers

Use the Medicare Plan Finder at medicare.gov — it is the official tool, it is free, and it is updated for 2027 during Open Enrollment. You can also call 1-800-MEDICARE, 24 hours a day, 7 days a week. For details on any specific plan — networks, drug lists, prior authorization — go to the plan's own Evidence of Coverage and provider directory.

A couple of 2027 numbers are not out yet. The Part B standard premium and deductible for 2027, and the IRMAA income brackets, are published by CMS later in the fall (usually November). Watch medicare.gov for those.