Medicare Advantage

Las Vegas C-SNPs for 2027: how chronic condition plans work and who can join

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.

LAS VEGAS — Fall 2026. Shoppers with a chronic health condition have a specific lane inside Medicare Advantage, and the 2027 lineup for Clark County is now set. For plan year 2027, Clark County — where Las Vegas sits — will have 16 Chronic Condition Special Needs Plans, known as C-SNPs, offered by seven carriers. These plans are built around a qualifying diagnosis, and joining one requires a provider to confirm you have it.

The Annual Enrollment Period runs October 15 through December 7, 2026, with any change taking effect January 1, 2027. People with a qualifying chronic condition also have a Special Enrollment Period that can be used outside that window — more on that below.

What a C-SNP actually is

A Chronic Condition Special Needs Plan is a type of Medicare Advantage plan. Like other Advantage plans, it bundles your Part A (hospital) and Part B (medical) coverage, and every C-SNP in Clark County for 2027 also includes Part D prescription drug coverage.

What makes it different is who it is for. CMS allows C-SNPs to enroll only people who have a qualifying chronic condition — for example, diabetes, cardiovascular disorders, chronic lung disorders, chronic kidney disease, or end-stage renal disease, among others on the CMS list. The plan then tailors its provider network, drug list and care coordination around that condition.

Because the plan is targeted, your doctor has to verify the diagnosis. Insurers typically ask the enrollee to list a treating provider and send a short form the provider signs and returns. If the diagnosis cannot be confirmed within the window CMS allows, the enrollment can be reversed.

The 2027 Las Vegas C-SNP lineup

Clark County will have 16 C-SNPs for 2027, part of a broader Special Needs Plan market that also includes 16 Dual Eligible SNPs (for people with both Medicare and Medicaid) and 1 Institutional SNP. The seven carriers offering C-SNPs for 2027 are:

• Aetna (CVS Health) — 1 C-SNP
• Alignment Health Plan — 2 C-SNPs
• Champion Health Plan — 5 C-SNPs
• Elevance Health (Anthem) — 3 C-SNPs
• Humana — 2 C-SNPs
• SCAN Health Plan — 2 C-SNPs
• UnitedHealthcare — 1 C-SNP

The individual plans, in alphabetical order by carrier, are: Aetna Medicare Chronic Care (HMO C-SNP); Alignment Health Heart & Diabetes 004 (HMO C-SNP); Alignment Health Heart & Diabetes Plus 006 (HMO C-SNP); Champion Advantage (HMO-POS C-SNP); Champion Care (HMO C-SNP); Champion Choice (HMO C-SNP); Champion Connect (HMO-POS C-SNP); Champion Plus (HMO C-SNP); Anthem I CareMore Chronic Care (HMO-POS C-SNP); Anthem I CareMore Kidney Care (HMO-POS C-SNP); Anthem I CareMore Lung Care (HMO-POS C-SNP); Humana Gold Plus - Diabetes and Heart (HMO C-SNP); SCAN Balance (HMO C-SNP); SCAN Strive (HMO C-SNP); and UHC Complete Care NV-4 (HMO-POS C-SNP). The table below lists every plan with its details.

A note on changes year to year: Alignment's two C-SNPs carry renamed labels for 2027, and Humana has an additional Gold Plus - Diabetes and Heart (HMO C-SNP) coming to the market for next year. If you are already enrolled in a plan that was renamed, your Annual Notice of Change (ANOC) explains what shifted.

Who qualifies, and how enrollment works

To join a C-SNP, two things have to be true:

1. You are enrolled in Medicare Part A and Part B. 2. You have the specific chronic condition the plan is built for, and a provider confirms it.

The plan sponsor will ask you (and your doctor) to confirm the diagnosis. If a plan's name points to a specific condition — for example, kidney care or lung care — that is the condition the plan is approved to serve. For plans with more general names, call the plan or check the Medicare Plan Finder at medicare.gov to see which conditions the plan accepts.

The Special Enrollment Period for chronic conditions

Most people pick a Medicare Advantage plan during the Annual Enrollment Period (Oct. 15 – Dec. 7, 2026 for coverage starting Jan. 1, 2027). People eligible for a C-SNP get an extra option: a Special Enrollment Period tied to the qualifying condition.

Under CMS rules, someone with a qualifying chronic condition can enroll in an available C-SNP once outside the Annual Enrollment Period. The SEP is for joining a C-SNP; it is not an open-ended chance to switch between plans. If you lose C-SNP eligibility (for example, if a condition no longer qualifies), there is a grace period during which the plan must help you move to other coverage.

What else to review before you pick

A C-SNP is still a Medicare Advantage plan, so the same questions apply: Are my doctors in the network? Are my medications on the drug list? What are the copays for the services I actually use? What is the plan's rules for referrals and prior authorization? Costs, networks and drug lists are set plan by plan — the Medicare Plan Finder at medicare.gov, 1-800-MEDICARE, or each plan's Evidence of Coverage are the right places to confirm them.

A few program-level 2027 figures CMS has already published are worth knowing while you compare:

• Part D out-of-pocket cap: $2,400 in 2027 (up from $2,100 in 2026).
• Part D maximum deductible: $700 in 2027 (up from $615 in 2026).
• The 2027 Part B standard premium and deductible, and the 2027 IRMAA income brackets, have not yet been announced; CMS typically publishes them later in the fall.