Medicare Advantage
Chillicothe 2027 Medicare: Local Plan Access
How Medicare plan access stacks up in Chillicothe and Ross County for 2027, with key dates and program figures.
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Key takeaways
- Medicare Advantage and Part D plan availability is set at the county level, so options can differ across the Chillicothe metro.
- Chillicothe is in Ross County, where 82 Medicare Advantage plans are available for 2026 through 12 carriers offering MA-PD coverage.
- The Annual Enrollment Period runs Oct. 15 through Dec. 7, and Medicare Advantage Open Enrollment follows from Jan. 1 through March 31.
- The Part D out-of-pocket cap is $2,100 in 2026 and $2,400 in 2027. The maximum Part D deductible is $615 in 2026 and $700 in 2027.
CHILLICOTHE, Ohio — When Medicare's Annual Enrollment Period opens on Oct. 15, shoppers in Chillicothe and the surrounding counties will notice something familiar: your ZIP code shapes your choices. Medicare Advantage and Part D plans are approved county by county, so a neighbor a few miles down the road may see a different lineup than you do.
For 2026, the number of plans available across south-central Ohio varied from one county to the next. The 2027 county-level lineup is posted on the Plan Finder at medicare.gov and detailed in each plan's ANOC. Here is what the 2026 picture looked like for people living in and around Chillicothe.
Why plan counts change from town to town
Medicare Advantage and stand-alone Part D drug plans are filed with the federal government by service area — usually a county. Insurers decide, year by year, which counties they will serve. That is why someone in Chillicothe may see a different set of plans than a relative in Circleville, Waverly, or Washington Court House, even though the towns feel close together.
If you are helping a parent compare options in another county, do not assume their choices match yours. The Plan Finder at medicare.gov lets you enter any ZIP code and see what is offered there.
What's available in and around Chillicothe
Chillicothe is in Ross County, where 82 Medicare Advantage plans were available for 2026, offered by 12 carriers with MA-PD (Medicare Advantage with prescription drug coverage). Ross County has about 13,697 residents age 65 and older. For the 2027 count, check each plan's ANOC or the Plan Finder at medicare.gov.
According to CMS Landscape data for Ross County, no stand-alone Part D plans were listed for the area for 2026. That did not leave residents without drug coverage — most Medicare Advantage plans in the county bundle prescription coverage in. People who prefer to stay with Original Medicare and add a stand-alone drug plan should check the Plan Finder for the 2027 lineup, since availability shifts every year.
A quick word on star ratings
CMS gives each Medicare Advantage and Part D contract a Star Rating, from 1 to 5, based on things like customer service, member complaints, and how well the plan manages care. For 2026, no contracts serving the Ross County area were rated 4 stars or higher in CMS data. The 2027 ratings are posted on the Plan Finder at medicare.gov.
Stars are one piece of information, not a verdict. A plan's provider network, drug list, and total costs matter just as much — sometimes more — depending on your health and your doctors.
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 Ross County
(MA penetration in Ross 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 program changes worth knowing
Several federal changes take effect in 2026 that apply no matter which county you live in:
- Part D out-of-pocket cap: Your yearly drug spending under Part D is capped at $2,100 in 2026 and $2,400 in 2027.
- Part D deductible: The maximum allowed deductible is $615 in 2026 ($700 in 2027).
- No more donut hole: As of 2025, the coverage gap is gone. Part D now has three phases: deductible, initial coverage, and catastrophic.
- Medicare Prescription Payment Plan: You can choose to spread your drug costs across the year in monthly installments instead of paying at the pharmacy counter.
- IRMAA: Higher-income enrollees pay an income-related surcharge on Part B and Part D. For a single filer in 2026, IRMAA begins above $109,000 in income.
Dates to circle
- Oct. 15 – Dec. 7: Annual Enrollment Period. You can join, switch, or drop a Medicare Advantage or Part D plan. Changes take effect Jan. 1.
- Jan. 1 – March 31: Medicare Advantage Open Enrollment. If you are already in a Medicare Advantage plan, you can switch to another one or return to Original Medicare (and add a stand-alone drug plan if one is available).
Where to get free, unbiased help
Ohio's State Health Insurance Assistance Program (SHIP), called OSHIIP, offers one-on-one counseling at no charge. You can also call 1-800-MEDICARE (1-800-633-4227), 24 hours a day, or use the Plan Finder at medicare.gov to compare plans by ZIP code.
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
How many Medicare Advantage plans were available in the Chillicothe area for 2026, and where do I find the 2027 count?
Were there stand-alone Part D drug plans in Ross County for 2026?
When can I make changes to my Medicare coverage?
What is the Part D out-of-pocket cap for 2027?
- CMS — MA/Part D Landscape & Plan Finder data
For personalized answers, contact Medicare.gov, 1-800-MEDICARE, or your local SHIP.
Also for Chillicothe
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This page was last updated: September 30, 2026.