Medicare Advantage

Shopping Medicare Advantage in Henderson? Here is the 2027 carrier-by-carrier roster

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.

Medicare AdvantageHenderson, NV

Henderson, Nev. — If you are sorting through Medicare Advantage options in Henderson for 2027, here is the full picture in one place. Henderson is in Clark County, where CMS lists 57 Medicare Advantage plans from 10 carriers for the 2027 plan year. Every one of those plans includes prescription drug coverage. The table below lists each plan by carrier, its plan type (HMO, HMO-POS or PPO), and whether it is a Special Needs Plan.

What the 2027 Henderson roster looks like

Availability for Medicare Advantage is set at the county level, so the same 57 plans that show up for Las Vegas and other Clark County ZIP codes show up for Henderson addresses too. Ten carriers are in the market for 2027:

• Aetna (CVS Health): 11 plans (HMO, PPO; 2 SNPs)
• Alignment Health Plan: 6 plans (HMO; 3 SNPs)
• Blue Cross Blue Shield (HCSC): 2 plans (HMO, HMO-POS)
• Centene (WellCare): 3 plans (HMO-POS; 2 SNPs)
• Champion Health Plan: 7 plans (HMO, HMO-POS; 6 SNPs)
• Elevance Health (Anthem): 8 plans (HMO, HMO-POS; 6 SNPs)
• Humana: 12 plans (HMO, PPO; 4 SNPs)
• Kaiser Permanente: 2 plans (HMO; 1 SNP)
• Molina Healthcare of Nevada: 1 plan (HMO; 1 SNP)
• SCAN Health Plan: 4 plans (HMO; 2 SNPs)
• Select Health: 4 plans (HMO; 1 SNP)
• UnitedHealthcare: 14 plans (HMO-POS, PPO; 6 SNPs)

The full plan-by-plan table appears below this article. It is drawn from the CMS Medicare Advantage Landscape Source File for the 2027 plan year.

HMO, HMO-POS or PPO: what those letters mean

Every plan on the Henderson roster is one of three types, and the label matters more than the name on the card.

• HMO plans (38 of the 74) generally ask you to use in-network doctors and hospitals, and to get a referral to see a specialist. Out-of-network care usually is not covered except in emergencies.
• HMO-POS plans (21) are HMOs with a "point of service" option that lets you go out of network for certain services, usually at a higher cost.
• PPO plans (15) let you see any Medicare-approved provider, in or out of network, though you will pay less in network.

Choosing between them is a personal call. If you travel often or split time between states, a PPO's out-of-network flexibility can matter. If your doctors are all in one local system, an HMO may work fine.

Special Needs Plans: 34 of the 74

A Special Needs Plan, or SNP, is a Medicare Advantage plan limited to people who meet certain criteria. There are three flavors on the Clark County roster:

• D-SNPs are for people who have both Medicare and Medicaid.
• C-SNPs are for people with certain chronic conditions, such as diabetes, chronic heart failure or chronic lung disorders.
• I-SNPs are for people who live in, or need the level of care provided in, an institution like a nursing facility.

If you do not meet the eligibility rules for an SNP, you cannot enroll in one, even if it looks appealing on paper. The Medicare Plan Finder will filter these out for you when you enter your details.

Drug coverage is built in — but check the formulary

All 57 Medicare Advantage plans in Clark County for 2027 include Part D prescription drug coverage. That is why Clark County shows zero stand-alone Part D plans in the CMS landscape data — the market here runs through MA-PD plans.

Two Part D program facts to know for 2027, no matter which plan you land on:

• The out-of-pocket cap for covered Part D drugs is $2,100 in 2026 ($2,400 in 2027) for the year.
• The maximum Part D deductible is $615 in 2026 ($700 in 2027), though many plans set a lower one.
• The coverage gap (the old "donut hole") has been eliminated since 2025, and the Medicare Prescription Payment Plan lets you spread your drug costs across the calendar year in monthly payments if you opt in.

Every plan has its own formulary — the list of drugs it covers and how they are tiered. Before enrolling, check your specific prescriptions against a plan's formulary on medicare.gov or in the plan's official documents.

Key dates for Henderson enrollees

• Oct. 15 – Dec. 7: Annual Enrollment Period. You can join, switch or drop a Medicare Advantage or Part D plan. Changes take effect Jan. 1.
• Jan. 1 – March 31: Medicare Advantage Open Enrollment Period. If you are already in a Medicare Advantage plan, you get one chance to switch to another MA plan or go back to Original Medicare (with or without a stand-alone Part D plan, though there are none listed in Clark County for 2027).
• IRMAA reminder: Higher-income enrollees pay a surcharge on top of their Part B and Part D premiums. For 2026, IRMAA starts above $109,000 in income for a single filer.

How to compare without getting overwhelmed

A few practical steps:

1. Make a short list of must-haves: your doctors, your hospital, your prescriptions, and whether you need out-of-network flexibility. 2. Run those against the Medicare Plan Finder at medicare.gov/plan-compare, which shows premiums, copays, star ratings and formularies for each plan available at your ZIP code. 3. Call 1-800-MEDICARE (24/7) with questions, or contact Nevada SHIP (the State Health Insurance Assistance Program) at 1-800-307-4444 for free, unbiased one-on-one counseling. 4. Read the Summary of Benefits and the Evidence of Coverage from the plan itself before you enroll.