Medicare Advantage

Warren, Ohio 2027 Medicare Plan Options: Snapshot

Medicare plan availability across the Warren area heading into 2027, with county-level counts and key dates.

WARREN, Ohio — As the Annual Enrollment Period runs from October 15 through December 7, 2026, people on Medicare here are taking a fresh look at what's offered nearby for 2027. Warren sits in Trumbull County, and plan availability in northeast Ohio can shift from one county to the next. Here's a plain-English look at how the Warren area compares with the wider metro, using county-level counts from the CMS Medicare Advantage and Part D Landscape files.

Why availability is a county-by-county story

Medicare Advantage and Part D plans are approved and sold by service area, and those service areas are drawn at the county level. That means two people who live a few miles apart — but on opposite sides of a county line — can see completely different plan lists on Medicare.gov.

For readers in Warren, the county that matters is Trumbull. For readers in nearby communities like Youngstown, Boardman, or Salem, the answer will be Mahoning or Columbiana County, and their plan menus may look different even though they're all part of the same metro.

What the Warren area looks like heading into 2027

In Trumbull County, 103 Medicare Advantage plans were available for 2026, offered by 15 different carriers. That was the raw menu county residents could shop from. The 2027 lineup is detailed in each plan's Annual Notice of Change and on Medicare.gov's Plan Finder.

Trumbull County is home to roughly 44,931 people age 65 and older, so those plans are serving a sizable senior population.

One note specific to this area: the CMS 2026 landscape showed 0 stand-alone Part D prescription drug plans listed for the county in that file. Stand-alone Part D availability for 2027 is posted on Medicare.gov, so anyone who wants drug-only coverage should check current options there before enrolling.

How the Warren area fits into the wider metro

The Youngstown–Warren metro spans several Ohio counties, and each has its own plan count. Because availability is set by county, comparing "how many plans are in my metro" isn't quite the right question — the real question is "how many plans are in my county."

If you have family members in neighboring counties helping you shop, keep in mind their plan list is likely not identical to yours. A plan a relative in another county likes may not even be offered in Trumbull, and vice versa.

What Star Ratings do and don't tell you

CMS publishes Star Ratings each year to measure quality and member experience for Medicare Advantage and Part D contracts. They're a useful tool, but they measure contracts, not every individual plan detail, and they aren't the only thing to consider.

In this area's 2026 landscape file, no contracts serving Trumbull County were rated 4 stars or higher at the snapshot we used. Ratings can change year to year, so it's worth checking the current rating on Medicare.gov when you compare options — and weighing it alongside your doctors, your prescriptions, and your budget.

Program facts worth knowing for 2027

A few Medicare-wide rules apply no matter which county you live in:

• The Part D out-of-pocket cap is $2,100 in 2026 and $2,400 in 2027. Once your out-of-pocket drug spending reaches that amount, you pay nothing for covered Part D drugs the rest of the year.
• The Part D maximum deductible is $615 in 2026 and $700 in 2027.
• The old coverage gap, or "donut hole," was eliminated in 2025. Part D now has three phases.
• The Medicare Prescription Payment Plan lets you spread your Part D drug costs across the calendar year in monthly payments instead of paying at the pharmacy counter.
• IRMAA surcharges — higher Part B and Part D premiums for higher-income enrollees — start above $109,000 in income for a single filer in 2026.

Key dates in Warren for 2027 coverage

• October 15 – December 7: Annual Enrollment Period. This is the main window to join, switch, or drop a Medicare Advantage or Part D plan for coverage starting January 1.
• January 1 – March 31: Medicare Advantage Open Enrollment Period. If you're already in a Medicare Advantage plan, you can switch to another Medicare Advantage plan or return to Original Medicare (and pick up a stand-alone Part D plan if available).