Medicare Advantage

Medicare in Henderson: 57 Plan Choices for 2027

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're sorting through Medicare for 2027, the first thing to know is how many doors are open to you. Henderson is in Clark County, where 57 Medicare Advantage plans are available for the coming year, according to the CMS Medicare Plan Finder. That's a lot of options — and a lot of pressure to compare them in a way that actually fits your budget.

This guide walks through the cost pieces of Medicare at the program level, so you can look at those 74 plans (and Original Medicare) with a clearer head.

Start with the cost pieces, not the plan names

Medicare has a handful of moving cost parts. Once you know what each one does, comparing 74 Medicare Advantage plans in Clark County — or weighing them against Original Medicare — gets much less overwhelming.

The main cost pieces to keep in mind for 2027:

• Part A (hospital) — most people pay no premium because they or a spouse paid Medicare taxes long enough.
• Part B (doctor and outpatient) — has a standard monthly premium set by CMS, plus an annual deductible.
• Part D (prescription drugs) — has its own premium, possible deductible, and now a hard yearly cap.
• Medicare Advantage (Part C) — bundles A, B, and usually D into one plan with its own cost structure.
• Medigap — a separate supplement policy that helps pay Original Medicare's out-of-pocket costs.

Every plan you'll see in Plan Finder is built out of those pieces.

What's new on Part D costs in 2027

Part D is where the biggest cost changes have landed, and they matter for anyone who takes regular prescriptions.

• The $2,400 out-of-pocket cap. Once your covered drug spending hits $2,400 in 2027, you pay nothing for the rest of the year on covered drugs. This is a hard ceiling set by law. (The cap is $2,100 in 2026.)
• A $700 maximum deductible. A plan's Part D deductible can't be higher than $700 in 2027, up from $615 in 2026. Some plans set it lower.
• No more donut hole. The old coverage gap phase was eliminated in 2025. Part D now has three phases: deductible, initial coverage, and catastrophic.
• Medicare Prescription Payment Plan. This is an optional feature that lets you spread your drug costs across the year in monthly payments instead of paying a big hit at the pharmacy counter. It doesn't lower your costs — it smooths them out.

One planning note for Henderson: Nevada has 9 stand-alone Part D plans for 2027, sold statewide, so if you stay with Original Medicare you can pair it with any of those PDPs — and drug coverage can also come bundled inside a Medicare Advantage plan (MA-PD). Ten carriers offer MA-PD plans in the area. If you want Original Medicare plus a separate drug plan, check current Plan Finder results carefully and talk to a SHIP counselor about your options.

Part B, IRMAA, and higher-income surcharges

Everyone on Medicare pays the same standard Part B premium — unless your income is above certain thresholds. Then you pay an Income-Related Monthly Adjustment Amount (IRMAA) on top of Parts B and D.

For 2026, IRMAA surcharges start above $109,000 in income for a single filer (higher for joint filers). Social Security looks back two years at your tax return to decide. If your income has dropped since then — say, you retired — you can ask for a reconsideration using a life-changing event.

This matters even if you pick a Medicare Advantage plan, because you still pay your Part B premium (plus any IRMAA) on top of whatever the Advantage plan charges.

How the pieces stack up

Think of your 2027 Medicare costs as a stack:

1. Part B premium (everyone with Part B pays this). 2. IRMAA, if your income is above the threshold. 3. Plan premium — either a Medicare Advantage plan or a Part D drug plan and, if you choose, a Medigap policy. 4. Cost-sharing — deductibles, copays, and coinsurance when you actually use care. 5. The Part D drug cap — a backstop at $2,400 for covered drugs in 2027.

When you compare the 57 Medicare Advantage plans in Clark County, you're really comparing how they arrange stack items 3 and 4. Original Medicare with a Medigap and stand-alone drug plan arranges them differently. Neither is automatically cheaper — it depends on your health, your prescriptions, and your income.

Dates to circle

• Oct. 15 – Dec. 7, 2026: Medicare 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 can switch to another MA plan or return to Original Medicare (and pick up a drug plan).

Missing Dec. 7 usually means waiting a full year to make changes, unless you qualify for a Special Enrollment Period.

How to actually decide

A short checklist that keeps the focus on your costs:

• List every prescription you take, with dose and frequency.
• Write down your regular doctors and any planned procedures.
• Estimate your 2027 income to see if IRMAA applies to you.
• Run your list through the Plan Finder at medicare.gov, which shows all 57 Clark County Advantage plans plus any drug plan options.
• If it feels like too much, book free one-on-one help with Nevada's SHIP.

Star Ratings, published by CMS, can give you another data point on plan quality. Under CMS's 2027 Star Ratings, 10 of the Medicare Advantage contracts offering plans in Clark County are rated 4 stars or higher, so ratings are one input to weigh alongside cost fit and network fit as you compare plans.