Medicare Advantage

Henderson Medicare Advantage for 2027: how to choose between HMO, HMO-POS and PPO

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.

Fall 2026 — If you live in Henderson and are weighing a Medicare Advantage plan for 2027, the first fork in the road is not the plan name or the extras. It is the plan type. Henderson sits in Clark County, where CMS lists 72 Medicare Advantage plans from 10 carriers for 2027, and those plans split three ways: 37 HMOs, 18 HMO-POS plans and 17 PPOs. No PFFS (Private Fee-for-Service) plans are offered in the county for 2027. The type you pick shapes which doctors you can see, whether you need a referral, and what happens if you get care outside the network.

The Annual Enrollment Period runs October 15 through December 7, 2026. A change you make in that window starts January 1, 2027. If you do nothing, your current plan renews as described in its Annual Notice of Change (ANOC).

What do HMO, HMO-POS, PPO and PFFS actually mean?

These four letters describe how a Medicare Advantage plan handles networks and out-of-network care. The rules are set at the program level by CMS and apply the same way in Henderson as anywhere else.

• HMO (Health Maintenance Organization): You pick a primary care doctor from the plan's network and generally need a referral to see a specialist. Care outside the network is usually not covered except for emergencies, urgent care and out-of-area dialysis.
• HMO-POS (Point of Service): An HMO with a limited "point of service" option that lets you go outside the network for certain services, typically at a higher cost share. The specifics vary by plan.
• PPO (Preferred Provider Organization): You can see any provider that accepts Medicare and the plan's terms, in or out of network. Out-of-network care is covered but usually at a higher cost. Referrals are generally not required.
• PFFS (Private Fee-for-Service): A plan that sets its own payment terms; any Medicare provider who agrees to those terms can treat you. No PFFS plans are offered in Clark County for 2027.

None of these types is better or cheaper by itself. The right fit depends on your doctors, your prescriptions and how often you travel.

How do Henderson's Medicare Advantage plans split by type in 2027?

In Clark County for 2027, the 72 Medicare Advantage plans break down as 37 HMO plans, 18 HMO-POS plans and 17 PPO plans. HMOs (including HMO-POS) together make up 55 of the 72 plans. The table below lists every plan by carrier and type.

A quick note on year-over-year change: 11 plans are not returning for 2027, 9 new plans are joining, and 15 plans have been renamed. If your plan has a new name on its ANOC, that is not necessarily a different plan — but it is worth a read.

Which carriers offer HMO, HMO-POS and PPO plans in Clark County for 2027?

Here is how the carriers line up by type for 2027, drawn from the CMS Landscape file for Clark County:

• HMO carriers: Aetna (CVS Health), Alignment Health Plan, Champion Health Plan, Elevance Health (Anthem), HealthSpring, Humana, SCAN Health Plan, Select Health.
• HMO-POS carriers: Centene (WellCare), Champion Health Plan, Elevance Health (Anthem), HealthSpring, UnitedHealthcare.
• PPO carriers: Aetna (CVS Health), Humana, UnitedHealthcare.

Some carriers appear in more than one column because they offer plans in more than one format. Alignment Health Plan, SCAN Health Plan and Select Health are HMO-only in the county for 2027. Centene (WellCare) offers only HMO-POS plans. The three PPO carriers also offer HMOs.

How should a Henderson reader decide between HMO and PPO for 2027?

Start with your doctors. If the providers you want to keep are all in one plan's network and you don't mind getting referrals for specialists, an HMO can be a straightforward fit. If you split time between Henderson and another state, see out-of-area specialists, or simply want the freedom to go outside the network without a referral, a PPO's out-of-network coverage may matter more to you.

A few practical questions to work through before December 7, 2026:

• Are my current doctors and hospitals in the plan's 2027 network? (Networks can change year to year.)
• Are my prescriptions on the plan's 2027 formulary, and at what tier?
• Do I need referrals under this plan, and does my preferred specialist require one?
• If I travel, how is non-emergency care covered when I'm away from Henderson?

A couple of program-level 2027 numbers to keep in mind as you compare drug coverage: the Part D out-of-pocket cap is $2,400 in 2027 (up from $2,100 in 2026), and the Part D maximum deductible is $700 in 2027 (up from $615 in 2026). CMS has not yet announced the 2027 Part B standard premium, deductible or IRMAA income brackets; those usually come out later in the fall.

What happens if I do nothing before December 7, 2026?

If your current Medicare Advantage plan is offered again in 2027, you will stay enrolled with the changes described in your ANOC. If your plan is one of the 11 not returning in Clark County, you will get a non-renewal notice from the plan and a Special Enrollment Period to choose something else. You can also compare and switch during the Medicare Advantage Open Enrollment Period, January 1 – March 31, 2027, if you change your mind after January 1.