Medicare Advantage

UnitedHealthcare Medicare Advantage in North Dakota for 2027: 5 Plans, County by County

BISMARCK — For the 2027 plan year, UnitedHealthcare is offering five Medicare Advantage plans across North Dakota, according to the CMS Medicare Advantage Landscape Source File for CY2027. The lineup is made up entirely of PPO products and includes Special Needs Plans built for specific groups of enrollees. This site is independent, privately owned, and is not UnitedHealthcare, Medicare, or any government agency.

Because Medicare Advantage plans are sold county by county, a plan listed on the statewide roster may or may not be available where you live. The notes below explain what UnitedHealthcare has filed statewide for 2027, how it compares with 2026, and how to confirm what is actually sold in your county before the Annual Enrollment 2027 window closes on December 7, 2026.

What is UnitedHealthcare offering across North Dakota for 2027?

UnitedHealthcare has filed 5 Medicare Advantage plans in North Dakota for 2027, and all 5 are PPOs. Of those, 4 include Part D prescription drug coverage and 1 is offered without drug coverage.

The statewide roster also includes Special Needs Plans: 1 Dual Eligible Special Needs Plan (D-SNP) for people who have both Medicare and Medicaid, and 1 Chronic Condition Special Needs Plan (C-SNP) for people with a qualifying chronic condition. There are 0 Institutional Special Needs Plans (I-SNPs) from UnitedHealthcare in North Dakota this year. SNPs have eligibility rules, so not every reader will qualify.

For context, 4 other carriers also offer Medicare Advantage in North Dakota for 2027, and across all carriers the state has 23 plans available somewhere in it.

Which UnitedHealthcare plans reach the most North Dakota counties in 2027?

In 2027, the UnitedHealthcare plan with the widest footprint in North Dakota is UHC Dual Complete ND-S1 (PPO D-SNP), offered in 22 counties — but only people eligible for both Medicare and Medicaid can enroll in it.

Among the plans open to the general Medicare population, AARP Medicare Advantage from UHC FG-0001 (PPO) and AARP Medicare Advantage Patriot No Rx FG-MA01 (PPO) are each offered in 11 counties, and AARP Medicare Advantage from UHC FG-0002 (PPO) is offered in 10 counties. The C-SNP in the lineup, UHC Complete Care Support FG-5 (PPO C-SNP), is listed in 1 county and limited to people with the qualifying condition.

The full plan-by-plan county counts are shown in the table on this page, so you can scan them side by side rather than reading each one in prose.

What is new or not returning from UnitedHealthcare in North Dakota for 2027?

Comparing CMS Landscape files for 2026 and 2027, UnitedHealthcare has 0 plans new for 2027 in North Dakota and 1 plan from 2026 that is not returning for 2027.

If you were enrolled in 2026 in a plan that is not continuing, your plan should send you a written notice — typically an Annual Notice of Change or a non-renewal letter — explaining your options. You can switch to another Medicare Advantage plan during Annual Enrollment 2027 (October 15 – December 7, 2026), and a non-renewal typically also opens a Special Enrollment Period. Details of your situation and timing are on medicare.gov or by calling 1-800-MEDICARE.

How do I check whether a UnitedHealthcare plan is offered in my North Dakota county and covers my doctors and drugs?

The authoritative check for 2027 is the Medicare Plan Finder at medicare.gov, which shows exactly which plans are sold in your ZIP code and county. A plan listed statewide — for example in the table above — may not be sold in your specific county.

Three steps help most readers: 1. On medicare.gov, enter your ZIP code and look at the plans available in your county for 2027. 2. For each plan you're considering, open its provider directory to confirm the doctors, clinics and hospitals you use are in-network. 3. Open the plan's drug list (formulary) and check each prescription you take, including the tier and any coverage rules.

If you prefer the phone, call 1-800-MEDICARE (TTY 1-877-486-2048), available 24 hours a day, seven days a week. For plan-specific questions, the carrier's own Evidence of Coverage and directories are the final word.

What should North Dakota readers do before December 7, 2026?

Before December 7, 2026, review your current coverage against what will be offered for 2027 so any change you want is on file by the end of Annual Enrollment 2027. Enrollments and changes made in that window take effect January 1, 2027.

A simple checklist:

• Read the Annual Notice of Change your current plan mailed in the fall.
• Make a short list of your prescriptions, pharmacies, doctors and any upcoming procedures.
• On medicare.gov, compare the 2027 plans available in your county — Medicare Advantage from any carrier, Original Medicare, or Original Medicare with a stand-alone Part D plan.
• If you want to make a change, do it on or before December 7, 2026.

Doing nothing is also a choice: if your plan is returning for 2027 and you take no action, you generally stay enrolled under the 2027 terms described in your Annual Notice of Change.

Where can North Dakota residents get free help comparing 2027 Medicare plans?

Free, non-sales help is available statewide from Medicare itself. The two primary resources are medicare.gov, which hosts the official Plan Finder, and 1-800-MEDICARE (TTY 1-877-486-2048), staffed around the clock.

Both can walk you through the plans sold in your county for 2027, including UnitedHealthcare's and those from the 4 other carriers in the state. Neither sells insurance, and neither will push a particular plan.