Medicare Advantage
HealthSpring's 2027 Medicare Advantage plans in Durham: six plans, two leaving
DURHAM, N.C. — As the Annual Enrollment Period runs from October 15 through December 7, 2026, HealthSpring will offer six Medicare Advantage plans in Durham County for the 2027 plan year, down from eight in 2026. Two plans available this year are not returning, no plans are new, and the carrier is one of 11 offering Medicare Advantage coverage in the county next year.
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Key takeaways
- HealthSpring will offer six Medicare Advantage plans in Durham County for 2027: five HMOs and one PPO, with five including drug coverage and two of them Dual Eligible Special Needs Plans.
- Two HealthSpring plans sold in Durham County in 2026 are not returning for 2027, and no new HealthSpring plans are being added.
- If you do nothing by December 7, 2026, your current plan renews for 2027 if it is still offered, with any changes spelled out in your Annual Notice of Change.
- Durham County residents can compare any HealthSpring plan against their doctors and prescriptions using the Medicare Plan Finder at medicare.gov or by calling 1-800-MEDICARE.
| Fact | Figure | Source |
|---|---|---|
| Medicare Advantage plans offered in Durham County (2026) | 74 | CMS |
| Medicare Advantage plans offered in Durham County (2027) | 69 | CMS |
| Plans not returning for 2027 / new for 2027 | 11 / 6 | CMS |
| Organizations offering Medicare Advantage in Durham County (2026) | 12 | CMS |
| Share of eligible beneficiaries in Medicare Advantage, Durham County | 52% | CMS |
| Residents age 65 and older, Durham County | 48,164 | U.S. Census Bureau |
| Part B standard monthly premium (2026) | $202.90 | Medicare.gov |
| Part D out-of-pocket cap (2026) | $2,100 | CMS |
| Part D out-of-pocket cap (2027) | $2,400 | CMS |
| Annual Enrollment Period (for 2027 coverage) | October 15 – December 7, 2026 | Medicare.gov |
| Medicare Advantage Open Enrollment Period | January 1 – March 31 | Medicare.gov |
Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.
MyMedicarePlans.org is an independent consumer site and is not HealthSpring or Medicare. The counts and plan names below come from the CMS Medicare Advantage Landscape Source File for plan year 2027.
Which HealthSpring Medicare Advantage plans are offered in Durham County for 2027?
HealthSpring is offering six Medicare Advantage plans in Durham County for 2027. Five are HMOs and one is a PPO. Five of the six include Part D prescription drug coverage, and two are Dual Eligible Special Needs Plans (D-SNPs) for people who qualify for both Medicare and Medicaid.
The six plans, listed alphabetically, are:
- HealthSpring Courage (HMO) — HMO, without drug coverage
- HealthSpring Preferred (HMO) — HMO, with drug coverage
- HealthSpring Preferred Savings (HMO) — HMO, with drug coverage
- HealthSpring TotalCare (HMO D-SNP) — HMO D-SNP, with drug coverage
- HealthSpring TotalCare Plus (HMO D-SNP) — HMO D-SNP, with drug coverage
- HealthSpring True Choice (PPO) — PPO, with drug coverage
The table below lists every plan. CMS files these under the parent organization Health Care Service Corporation (HCSC), but they are marketed as HealthSpring plans.
What is new or not returning from HealthSpring in Durham for 2027?
Two HealthSpring plans offered in Durham County in 2026 are not being offered in 2027, and no new HealthSpring plans are being added. If you are enrolled in a plan that will not continue, HealthSpring must send you a notice explaining your options.
For plans that are returning, the Annual Notice of Change (ANOC) that arrived in late September spells out what is different for 2027 — premiums, cost-sharing, drug list, provider network, and extra benefits. It is worth reading cover to cover even if the plan name has not changed.
How do I check a HealthSpring plan against my doctors and prescriptions before December 7?
The most reliable way is the Medicare Plan Finder at medicare.gov. You can enter your ZIP code, add the drugs you take with their dosages, and the tool will show how each plan covers them. You can also check whether your doctors are in-network by looking at the plan's online provider directory or calling the plan directly with the names on your list.
A few practical steps for Durham County residents:
- Pull your current ANOC and your drug list before you start.
- Run both your current plan and any plan you are considering through Plan Finder so you are comparing the same way.
- Call your doctor's office to confirm they accept the specific plan for 2027 — networks can shift between years.
- If you want help by phone, 1-800-MEDICARE is open 24 hours a day, seven days a week.
What else is on the Durham County Medicare Advantage menu for 2027?
HealthSpring is one of 11 carriers offering Medicare Advantage plans in Durham County for 2027, and together those carriers offer 69 plans. If a HealthSpring plan is not the right fit, there are other options to compare in the same county.
Special Needs Plans — including the two HealthSpring D-SNPs listed above — are limited to people who meet specific eligibility rules, such as having both Medicare and Medicaid. If you are not sure whether you qualify, the plan or 1-800-MEDICARE can walk you through it.
What Medicare dates and figures should I know for 2027?
The Annual Enrollment Period runs October 15 through December 7, 2026. Any change you make in that window takes effect January 1, 2027. If you do nothing, your current plan renews for 2027 as long as it is still being offered. There is also a Medicare Advantage Open Enrollment Period from January 1 through March 31, 2027, when people already in an Advantage plan can switch once.
Confirmed Part D figures for 2027 from CMS:
- 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).
- Part D national base beneficiary premium: $41.33 for 2027 (a formula input, not what any particular plan charges).
The 2027 Part B standard premium and deductible, and the 2027 IRMAA income brackets, had not been announced as of this writing. CMS typically publishes them later in the fall.
The coverage gap (the old "donut hole") was eliminated in 2025, so Part D now has three phases. The Medicare Prescription Payment Plan remains an option in 2027 for anyone who would like to spread drug costs across the year in level monthly payments.
By the numbers
Medicare Part B premium, 2006–2026
The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.
Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.
By the numbers
How people get Medicare in Durham County
(MA penetration in Durham County)
MA penetration from CMS enrollment data; Medigap share is an estimate. U.S. average is about 54% Medicare Advantage. These are area-level figures, not plan-specific.
2027 plan lineup
HealthSpring Medicare Advantage plans in Durham County for 2027
CMS lists 6 HealthSpring Medicare Advantage plans in Durham County for 2027, alphabetically by carrier. 10 other carriers also offer plans there.
| Plan | Type | Drug coverage | For 2027 |
|---|---|---|---|
| HealthSpring 6 plans | |||
| HealthSpring Courage (HMO) | HMO | No | Returning |
| HealthSpring Preferred (HMO) | HMO | Yes | Returning |
| HealthSpring Preferred Savings (HMO) | HMO | Yes | Returning |
| HealthSpring TotalCare (HMO D-SNP) | HMO D-SNP | Yes | Returning |
| HealthSpring TotalCare Plus (HMO D-SNP) | HMO D-SNP | Yes | Returning |
| HealthSpring True Choice (PPO) | PPO | Yes | Returning |
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plan availability is set at the county level. No plan is ranked or recommended; premiums, benefits, networks and star ratings are not shown. Plan details come from the Medicare Plan Finder at medicare.gov or the plan itself.
The 2027 choices, by type
How HealthSpring Medicare Advantage plans in Durham County break down for 2027
HMO plans use a network and usually a primary-care doctor and referrals; HMO-POS plans add some out-of-network coverage; PPO plans also cover out-of-network care, at a higher share; PFFS plans pay any provider that accepts the plan’s terms. Special Needs Plans serve people with Medicare and Medicaid (D-SNP), certain chronic conditions (C-SNP) or living in an institution (I-SNP).
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plan availability is set at the county level. No plan is ranked or recommended; premiums, benefits, networks and star ratings are not shown. Plan details come from the Medicare Plan Finder at medicare.gov or the plan itself.
Key dates
Medicare enrollment periods at a glance
- Around your 65thInitial Enrollment PeriodA 7-month window around the month you turn 65 — your first chance to sign up.
- October 15 – December 7Annual Enrollment PeriodAnyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan.
- January 1 – March 31Medicare Advantage Open EnrollmentIf you're already in a Medicare Advantage plan, you can make one change.
- January 1 – March 31General Enrollment PeriodFor people who missed their first chance to sign up for Part B.
- VariesSpecial Enrollment PeriodTriggered by life events like moving or losing other coverage.
Dates are set by Medicare and apply nationwide. Confirm your personal windows at Medicare.gov or 1-800-MEDICARE.
Explore
When can you enroll? An interactive year
Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.
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The parts of Medicare
Good to know
Frequently asked questions
Do I have to do anything by December 7 if I like my current HealthSpring plan?
What happens if my HealthSpring plan is one of the two not returning in 2027?
How do I know if I qualify for one of the HealthSpring D-SNP plans?
Where can I get help comparing plans without a sales pitch?
- CMS — MA Landscape Source File (plan-level availability by county)
- CMS — MA Landscape Source Files, current and coming plan year (year-over-year comparison)
- CMS — Medicare enrollment periods (medicare.gov)
For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
Also for Durham
Sources and methodology
- CMS, Medicare Advantage and Part D Landscape Source Files
- CMS, Medicare Advantage state/county penetration and enrollment files
- U.S. Census Bureau, American Community Survey (table B01001, age 65 and older)
- Medicare.gov, Medicare costs (Part B premium)
- CMS, Medicare prescription drug coverage (Part D) program rules
- CMS, Medicare Advantage and Part D plan-year announcements
- Medicare.gov, enrollment periods and plan rules
Figures cited in this article
- CMS Medicare Advantage Landscape Source Files (plan years 2026 and 2027): HealthSpring's Durham County plan list, plan types, drug coverage, SNP counts, and year-over-year changes; the countywide carrier and plan totals.
- CMS 2027 Part D parameters: the $2,400 out-of-pocket cap, $700 maximum deductible, and $41.33 national base beneficiary premium.
- Medicare.gov: Annual Enrollment Period dates, Medicare Advantage Open Enrollment Period dates, and the Plan Finder tool.
How we put this together: area counts come from the CMS files listed above for the county that contains this city, program figures come from CMS, Medicare.gov and the Social Security Administration, and no plan is ranked or recommended.
By The Medicare Desk · Published . For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
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This page was last updated: October 2026.