Medicare Advantage

Medicare in Toledo: 83 Plans in Lucas County 2027

People in Toledo can choose from 87 Medicare Advantage plans for 2027, against 99 this year. 31 of this year’s plans are gone, 19 are new to Lucas County, and 28 that continue have changed their premium, deductible, plan type or name, 4 of them under a new name.

TOLEDO, Ohio — If you're shopping for Medicare coverage this fall, take a breath: you have a lot to choose from. For 2027, Lucas County residents can pick from 83 Medicare Advantage plans, according to the Centers for Medicare & Medicaid Services (CMS) plan landscape data.

That's a big menu, and it can feel overwhelming. This guide walks through what's actually available in the Toledo area — by the numbers — plus the 2027 program changes every Medicare shopper should know before the Dec. 7 deadline.

What's on the menu in Lucas County

Toledo is in Lucas County, where Medicare beneficiaries have several categories of coverage to consider for 2027:

• 83 Medicare Advantage plans available in the county.
• 14 carriers offering Medicare Advantage prescription drug (MA-PD) plans locally.
• Stand-alone Part D drug plans: Ohio has 10 stand-alone Part D plans for 2026, sold statewide. (Stand-alone Part D availability is set regionally; if you have Original Medicare and want drug coverage, check medicare.gov's Plan Finder for the plans serving your ZIP code.)

For context, Lucas County has roughly 75,209 residents age 65 and older, so plan choice per person is generous. More choice is a good thing, but it also means comparing carefully matters.

Why "how many plans" isn't the whole story

A high plan count tells you the market is competitive. It doesn't tell you which plan fits you. Two people living on the same block in Toledo may end up in very different plans because their doctors, prescriptions, and travel habits differ.

When you sit down with Plan Finder or a licensed advisor, the count of 99 becomes much smaller once you filter by:

• The doctors, hospitals, and specialists you want in-network.
• The specific medications you take.
• Whether you want extras like dental or vision.
• How you feel about HMO vs. PPO rules.

Star Ratings in the Toledo area

CMS publishes Star Ratings each year to help beneficiaries compare plan quality on things like customer service and preventive care. Under CMS's 2026 Star Ratings, 18 of the 29 rated contracts offering plans in the Lucas County area are rated 4 stars or higher. Ratings can shift year to year and reflect a contract's overall performance — not a guarantee of your experience — so treat them as one input, not the deciding factor.

The 2027 changes every shopper should know

Some big program-level updates apply no matter which plan you pick:

• New out-of-pocket cap ($2,100 in 2026, $2,400 in 2027) on Part D drug costs. Once your covered drug spending hits that ceiling, you pay $0 for covered prescriptions the rest of the year.
• Part D deductible maximum is $700 for 2027. Plans can charge less, but not more.
• The "donut hole" is gone. Since 2025, Part D has three phases instead of four.
• Medicare Prescription Payment Plan lets you spread your yearly drug costs into monthly installments at no added cost. You must opt in.
• IRMAA surcharges for higher-income beneficiaries begin above $109,000 in income for a single filer in 2026.

Key dates for Toledo enrollees

• Annual Enrollment Period: Oct. 15 – Dec. 7. This is when most people compare and switch plans for the year ahead.
• Medicare Advantage Open Enrollment: Jan. 1 – March 31. If you're already in a Medicare Advantage plan and want to change, you get one more window.

Mark your calendar. Missing the December deadline usually means waiting until next year.