Medicare Advantage

Reno's 2027 Medicare Advantage menu: 31 plans from 9 carriers, mapped

People in Reno can choose from 42 Medicare Advantage plans for 2027, against 47 this year. Twelve of this year’s plans are gone, 7 are new to Washoe County, and 23 that continue have changed their premium, deductible, plan type or name, 11 of them under a new name.

Medicare AdvantageReno, NV

Reno shoppers comparing Medicare Advantage coverage for 2027 have a menu to sort through. According to the CMS Medicare Advantage Landscape Source File for plan year 2027, Reno sits in Washoe County, where 31 Medicare Advantage plans from 9 carriers are available to people with Medicare. Of the 2026 lineup, 12 plans are not returning, 7 are new, and 11 have been renamed; 12 continuing plans change something in their terms, spelled out in each plan's ANOC. Molina Healthcare of Nevada is not offering plans in the county next year.

The table below lists every plan by carrier, along with its plan type and drug‑coverage status. This article walks you through how to read that table — what the plan types mean, which carriers show up, and where to check the details Medicare requires you to review on your own.

How the Reno lineup breaks down

Medicare Advantage (also called Part C) is private insurance that replaces Original Medicare for people who enroll in it. Plans are sold county by county, so a "Reno" plan is really a Washoe County plan.

For 2027, Washoe County's 31 plans sort out like this:

• HMO: 28 plans
• HMO‑POS: 9 plans
• PPO: 10 plans
• Special Needs Plans (a subset of the above): 22 plans
• Plans with Part D drug coverage built in: 47 (all of them)

Stand-alone Part D drug plans are listed separately from Medicare Advantage in the landscape data; the Washoe Medicare Advantage count above reflects plans that people with Medicare can choose in the county for 2027.

The 10 carriers offering plans in Washoe County

The carriers selling Medicare Advantage in Reno for 2027, in alphabetical order:

• Aetna (CVS Health) — 7 plans (HMO, PPO; 1 Special Needs)
• Alignment Health Plan — 4 plans (HMO; 2 Special Needs)
• Centene (WellCare) — 2 plans (HMO‑POS; 1 Special Needs)
• Champion Health Plan — 7 plans (HMO, HMO‑POS; 6 Special Needs)
• Elevance Health (Anthem) — 2 plans (HMO; 2 Special Needs)
• Humana — 6 plans (HMO, PPO; 2 Special Needs)
• Kaiser Permanente — 5 plans (HMO; 1 Special Needs)
• Molina Healthcare of Nevada — 1 plan (HMO; 1 Special Needs)
• Prominence Health Plan — 6 plans (HMO; 2 Special Needs)
• UnitedHealthcare — 7 plans (HMO‑POS, PPO; 4 Special Needs)

The full plan names — for example Aetna Medicare Signature, HumanaChoice H5216‑039, Renown Preferred Plan by Senior Care Plus, Molina Medicare Complete Care, AARP Medicare Advantage from UHC NV‑0003 — appear in the table on this page with their exact type and drug‑coverage status.

What the plan type tells you

The letters after each plan name describe how it works, not how good it is.

• HMO (Health Maintenance Organization): You generally use the plan's network and pick a primary care doctor. Referrals are common for specialists.
• HMO‑POS (Point of Service): An HMO with a limited option to see certain out‑of‑network providers, usually at a higher cost.
• PPO (Preferred Provider Organization): More flexibility to see out‑of‑network providers, typically at a higher cost share.
• SNP (Special Needs Plan): Built for people with a specific situation. D‑SNP plans serve people with both Medicare and Medicaid. C‑SNP plans serve people with certain chronic conditions, such as diabetes or heart conditions. You have to qualify to enroll.

Of the 22 SNPs in Washoe County, some are D‑SNPs (for example, Aetna Medicare Dual, Anthem Full Dual Advantage, UHC Dual Complete NV‑S001) and some are C‑SNPs (for example, Alignment Health Heart & Diabetes NVPlus, Champion Advantage, Prominence Diabetes and Heart Giveback). The table shows which is which.

What the roster does — and doesn't — tell you

This roster comes from the CMS Medicare Advantage Landscape Source File, which lists availability by county. It does not include:

• Premiums, deductibles or copays for any plan
• Which doctors, hospitals or pharmacies are in a plan's network
• The drugs on each plan's formulary
• Star Ratings for individual contracts

For any of that, use the official Medicare Plan Finder at medicare.gov, or request the plan's own "Summary of Benefits" and "Evidence of Coverage." Star Ratings can shift year to year and cover more than one plan under the same contract.

2027 rules that apply no matter which plan you pick

A few program‑level facts to keep in mind while you compare:

• The Part D out‑of‑pocket cap is $2,100 in 2026 and $2,400 in 2027. Once you hit that on covered drugs, you pay nothing for the rest of the year.
• The Part D maximum deductible is $615 in 2026 and $700 in 2027 (plans can set a lower one).
• The old coverage gap ("donut hole") is gone as of 2025. Part D now has three phases instead of four.
• The Medicare Prescription Payment Plan lets you spread your drug costs across the calendar year in monthly installments, at no extra charge.
• IRMAA — higher Part B and Part D premiums for higher earners — starts above $109,000 in income for a single filer in 2026.

Key dates for Reno enrollees

• Annual Enrollment Period: Oct. 15 – Dec. 7. Changes take effect Jan. 1.
• Medicare Advantage Open Enrollment: Jan. 1 – March 31. If you're already in a Medicare Advantage plan, you can switch to another MA plan or drop back to Original Medicare (and pick up a Part D plan) once during this window.
• Special Enrollment Periods may apply if you move, lose other coverage, or qualify for Extra Help or Medicaid.

Washoe County is home to about 88,010 residents age 65 and older, so you are far from alone in doing this comparison shopping — and the SHIP counselors below help Nevadans through it every year at no charge.