Medicare Advantage

Henderson Medicare in 2027: What to Know Before Dec. 7

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. — If you have Medicare in Henderson, the next few weeks matter. The Annual Enrollment Period runs Oct. 15 through Dec. 7, and 2027 brings meaningful changes to how your out-of-pocket costs are structured — especially on the prescription drug side. Henderson sits inside Clark County, where the Centers for Medicare & Medicaid Services (CMS) reports 57 Medicare Advantage plans and 10 carriers offering Medicare Advantage with drug coverage for 2027. But before you sort through options, it helps to understand the price pieces the program itself sets.

The building blocks of what you pay

Medicare costs come in layers, and 2027 shifts a few of them. It helps to look at each piece on its own:

• Part A (hospital): Most people pay no premium because they or a spouse paid Medicare taxes long enough. There is still a per-hospital-stay deductible set by CMS.
• Part B (doctor and outpatient): Everyone pays a monthly premium, which CMS sets nationally each year, plus an annual deductible and generally 20% of the Medicare-approved amount after that.
• Part D (prescription drugs): Premiums, deductibles, and copays vary by plan, but Medicare caps how high some of those numbers can go.
• Medicare Advantage (Part C): Bundles A, B, and usually D through a private carrier. You still owe your Part B premium.
• Medigap (Medicare Supplement): Sold by private insurers to help cover cost-sharing left over by Original Medicare. Premiums vary.

Understanding those pieces is what makes plan comparisons meaningful.

What's new in 2027 on the drug side

The most important cost change for 2027 sits inside Part D:

• A out-of-pocket cap ($2,100 in 2026, $2,400 in 2027). Once your out-of-pocket spending on covered drugs hits $2,100 in 2026 ($2,400 in 2027) in a calendar year, you pay $0 for covered drugs the rest of the year. This is a program-wide limit, not a plan perk.
• A $700 maximum deductible. No Part D plan can charge a deductible higher than $700 in 2027 (up from $615 in 2026). Many plans set theirs lower.
• Three phases, not four. The coverage gap was eliminated in 2025. Now there is a deductible phase, an initial coverage phase, and a catastrophic phase — simpler to follow.
• The Medicare Prescription Payment Plan. This optional program lets you spread your drug out-of-pocket costs across the year in monthly installments instead of paying big amounts at the pharmacy counter. It does not lower the total; it smooths it out.

If you take expensive medications, the cap ($2,100 in 2026, $2,400 in 2027) is the number to circle.

Where higher-income rules kick in

Medicare also adjusts premiums for higher earners through IRMAA — the Income-Related Monthly Adjustment Amount. For 2026, IRMAA surcharges begin above $109,000 in income for a single filer (higher thresholds apply to joint filers). It's based on the tax return from two years ago, so a 2024 return drives 2026 premiums. If your income has dropped since — due to retirement, a spouse's death, or another life event — you can ask Social Security to reconsider.

How Henderson's numbers fit in

Plan availability is set at the county level. Henderson is in Clark County, where CMS's 2027 Landscape data shows 57 Medicare Advantage plans available and 10 carriers offering Medicare Advantage with prescription drug coverage. Kaiser Permanente and Molina Healthcare of Nevada are not offering plans in the county next year. Of the plans on offer, 48 are continuing, 9 are new, 11 are not returning, and 15 have been renamed; 18 continuing plans change something in their terms, which their Annual Notice of Change spells out. Nevada has 9 stand-alone Part D plans for 2027, sold statewide, so residents who stay on Original Medicare can join any of them, while those who want drug coverage bundled with their medical benefits can choose a Medicare Advantage plan that includes Part D — check medicare.gov to compare the options available to you.

With roughly 370,000 residents age 65 or older in Clark County, that's a lot of neighbors doing the same math you are.

Putting the cost pieces together

When you look at any 2027 option, it helps to line up four questions in order:

1. What's the monthly premium? Include the Part B premium plus anything for Part D or Medigap. 2. What's the deductible? For Part D, remember $700 is the ceiling in 2027. 3. What's my share after the deductible? Copays, coinsurance, and — for Original Medicare — the 20% Part B share. 4. What's my worst case? For Part D, that's the $2,400 cap in 2027. Medicare Advantage plans also set annual out-of-pocket maximums for medical care.

Once you can answer those four for any option, comparing gets much easier.

Dates to keep in mind

• Oct. 15 – Dec. 7, 2026: Annual Enrollment Period. Changes take effect Jan. 1, 2027.
• Jan. 1 – March 31, 2027: Medicare Advantage Open Enrollment. If you're already in a Medicare Advantage plan, you get one chance to switch to another Medicare Advantage plan or return to Original Medicare.