Medicare Advantage

Every Medicare Advantage plan offered in Las Vegas for 2027: the full carrier-by-carrier list

For 2027, Las Vegas 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 AdvantageLas Vegas, NV

For 2027, people with Medicare in Las Vegas have a field of Medicare Advantage plans to look through. Las Vegas sits in Clark County, and Medicare sets plan availability at the county level. According to the CMS Medicare Advantage Landscape Source File for the 2027 plan year, 57 Medicare Advantage plans from 10 carriers are offered to people who live in Clark County. Every one of them includes prescription drug coverage.

The table below lists every plan, its type (HMO, HMO-POS or PPO), and whether it is a Special Needs Plan. This article walks through what is on that list, how the plan types differ, and how to use the list to make a decision that fits your health and budget.

What's on the Las Vegas list for 2027

The 10 carriers offering Medicare Advantage plans in Clark County for 2027 are, in alphabetical order:

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

Every plan on the list is a Medicare Advantage plan with drug coverage (often called an "MA-PD"). Because all 74 plans build in Part D, there are no stand-alone Part D plans listed as needed alongside them on this roster. If you want a stand-alone Part D plan instead — for example, to pair with Original Medicare and a Medigap policy — you would search that separately on the Medicare Plan Finder.

The three plan types you'll see

Medicare Advantage plans in Las Vegas come in three formats for 2027:

• HMO (Health Maintenance Organization) — 38 plans. You generally use doctors and hospitals inside the plan's network, and most HMOs ask you to pick a primary care doctor and get referrals for specialists.
• HMO-POS (Point of Service) — 21 plans. This is an HMO with a "point of service" option that lets you go outside the network for certain services, usually at a higher cost.
• PPO (Preferred Provider Organization) — 15 plans. PPOs let you see out-of-network providers, though you'll usually pay less when you stay in network, and referrals are typically not required.

Which type fits you depends less on the label and more on whether your doctors and hospitals are in the plan's network, how you prefer to get care, and how the plan handles the medicines you take.

Special Needs Plans (SNPs) on the list

Of the 74 plans, 34 are Special Needs Plans. SNPs are only for people who meet specific rules, and you'll see three flavors in the Las Vegas roster:

• D-SNP (Dual Eligible) — for people who have both Medicare and Medicaid.
• C-SNP (Chronic Condition) — for people with certain chronic conditions, such as diabetes, heart conditions, chronic lung conditions, or kidney disease.
• I-SNP (Institutional) — for people who live in, or need the level of care provided by, a nursing home or similar setting.

In the table you'll see SNPs from carriers such as Aetna, Alignment Health Plan, Centene (WellCare), Champion Health Plan, Elevance Health (Anthem), Humana, Kaiser Permanente, Molina Healthcare of Nevada, SCAN Health Plan, Select Health and UnitedHealthcare. If you don't qualify for an SNP, you won't be able to enroll in one — but the non-SNP HMOs, HMO-POS plans and PPOs on the list are open to anyone in the service area who has Medicare Parts A and B.

How to use the list to narrow your choices

The full list can feel like a lot, so it helps to work through it in steps:

1. Start with your doctors and hospitals. On medicare.gov's Plan Finder, you can add your providers and see which plans include them in the network. 2. Add your prescriptions. Every Las Vegas plan on this roster includes drug coverage, but drug lists (formularies) and pharmacy networks differ. The Plan Finder shows your estimated yearly drug costs by plan. 3. Think about how you like to get care. If you want the freedom to see out-of-network specialists without a referral, a PPO may feel more comfortable. If you're fine using a set network and having a primary care doctor coordinate, an HMO may work well. 4. Check the plan's own materials. Summary of Benefits and Evidence of Coverage documents from each plan spell out the details. 5. Check whether an SNP fits. If you have Medicaid or a qualifying condition, a Special Needs Plan may be an option — but eligibility rules apply.

Star ratings from CMS are another data point you can look at on the Plan Finder. They rate the contract behind a plan on things like customer service and care quality, and they are worth reading — just remember they're one measure among several.

2027 program facts worth knowing

A few Medicare-wide rules matter no matter which plan you look at:

• The Part D out-of-pocket cap is $2,100 for 2026. Once your covered drug spending reaches that amount, you pay $0 for covered drugs the rest of the year.
• The Part D maximum deductible is $615 in 2026. Individual plans may set a lower one.
• The coverage gap ("donut hole") is gone as of 2025. Part D now has three phases: deductible, initial coverage, and catastrophic.
• The Medicare Prescription Payment Plan lets you spread your yearly drug costs into monthly payments to the plan, at no added cost. It's optional.
• IRMAA (the income-related surcharge on Parts B and D) starts above $109,000 in income for a single filer in 2026.
• Annual Enrollment Period: October 15 – December 7. Changes take effect January 1.
• Medicare Advantage Open Enrollment Period: January 1 – March 31, for people already in a Medicare Advantage plan who want to switch once.

Where to get personalized help

The Las Vegas roster is public information drawn from the CMS Medicare Advantage Landscape Source File, and the specifics you need to compare plans — premiums, copays, deductibles, drug tiers, networks and star ratings — live on the Medicare Plan Finder at medicare.gov and in each plan's own documents.

For free, unbiased, one-on-one help, Nevada's State Health Insurance Assistance Program (SHIP) is called Nevada SHIP and is available to Clark County residents. You can also call 1-800-MEDICARE (1-800-633-4227), which is open 24/7.