Medicare Advantage

Comparing Medicare Advantage plans in Oklahoma City for 2027: a step-by-step guide

For 2027, Oklahoma City is looking at 59 Medicare Advantage plans: 8 new, 9 gone since 2026, and 24 still here but changed on premium, deductible, plan type or name, 7 of them under a new name. Below, how the lineup shifted in Oklahoma County and what to compare, with no plan ranked or recommended.

OKLAHOMA CITY — Fall 2026 is comparison season for Medicare, and the window to switch Medicare Advantage plans for 2027 coverage runs October 15 through December 7, 2026. Oklahoma City sits in Oklahoma County, where the Centers for Medicare & Medicaid Services (CMS) counts 59 Medicare Advantage plans from 8 carriers for 2027 — a slightly different lineup than the one on sale this year, with 8 new plans and 9 that are not returning. If you do nothing, your current plan simply renews on January 1, 2027 with the changes listed in its Annual Notice of Change (ANOC). But if your doctor, hospital, pharmacy or prescription list has shifted — or your plan is one that isn't coming back — a side-by-side comparison before December 7 is time well spent.

What Oklahoma County's 2027 lineup looks like

For 2027, Oklahoma County residents can choose among 19 HMOs, 9 HMO-POS plans, 30 PPOs and 1 PFFS plan, and every one of the 59 plans includes drug coverage. Of those, 24 are Special Needs Plans (SNPs) built for people with specific situations: 12 Dual-Eligible SNPs for people who have both Medicare and Medicaid, 10 Chronic Condition SNPs for conditions like diabetes or heart disease, and 2 Institutional SNPs for people living in a nursing home or needing that level of care.

Listed alphabetically, the eight carriers selling Medicare Advantage in Oklahoma County next year are Aetna (CVS Health), American Health Advantage of Oklahoma, CommunityCare Senior Health Plan (HMO), Devoted Health, GlobalHealth, HealthSpring, Humana and UnitedHealthcare. The table below lists every plan by carrier and plan type.

What's new, what's leaving, what's renamed

CMS marks 8 plans as new in Oklahoma County for 2027 and 9 plans as not returning. A separate handful of plans have been renamed, which can be confusing — the plan ID might be the same, but the name on the card is different. The specifics for your own plan are in its ANOC, which your carrier mails (and posts online) each September.

If your plan is on the not-returning list, you have a Special Enrollment Period to pick something else, but the simplest path is still to compare and choose during the October 15 – December 7 window so your new coverage starts cleanly on January 1.

A six-step way to compare plans before December 7

Working through the same six checks for every plan on your short list makes the decision much easier.

1. Start with your Annual Notice of Change. Your current plan's ANOC lists next year's premium, deductible, drug tiers, provider network changes and any benefits added or removed. If nothing important has changed and you are happy, you may be done. If something has changed — the pharmacy you use is no longer preferred, a drug moved tiers, your specialist left the network — keep going.

2. Check your doctors and hospitals. For each plan you are considering, confirm your primary care doctor, your specialists and the hospital you prefer (for many Oklahoma City residents that's OU Health, INTEGRIS, Mercy, SSM Health St. Anthony or Norman Regional) are in-network for 2027. Networks are set by the plan, not by the hospital system as a whole, so check plan by plan. The plan's online provider directory and a quick call to your doctor's billing office are both worth doing.

3. Price out your prescriptions. On the Medicare Plan Finder at medicare.gov, enter every drug you take, with the exact dose and frequency. The tool will show each plan's estimated yearly drug cost based on its formulary and tiers. Remember two 2027 program-level numbers while you compare: the Part D out-of-pocket cap is $2,400 (up from $2,100 in 2026) and the Part D maximum deductible is $700 (up from $615 in 2026).

4. Check your pharmacy. The same drug can cost very different amounts at a "preferred" versus "standard" pharmacy inside the same plan. In Plan Finder, set your pharmacy — whether that's a neighborhood independent, a grocery pharmacy, a big chain or mail order — and compare prices there.

5. Match the plan type to how you like to get care. HMOs usually require you to use in-network providers and get referrals. HMO-POS plans add a limited out-of-network option. PPOs let you go out of network at a higher cost. PFFS plans work with any provider who accepts the plan's terms. If you split time between Oklahoma City and somewhere else, out-of-area coverage matters.

6. Consider whether a Special Needs Plan fits. If you have Medicaid as well as Medicare, a long-term chronic condition, or you live in a nursing facility, one of Oklahoma County's 24 SNPs may be designed for your situation. SNPs have extra enrollment rules, so confirm eligibility with the plan or on medicare.gov.

Program changes to know for 2027

Two 2027 Part D figures are confirmed: the $2,400 annual out-of-pocket cap on covered drugs and the $700 maximum deductible. The Medicare Prescription Payment Plan — the option to spread your drug costs across the year in monthly bills instead of paying at the pharmacy counter — continues in 2027 and is worth asking about if a big drug bill early in the year would be hard.

CMS has not yet published the 2027 Part B standard premium and deductible or the 2027 IRMAA income brackets; those usually come out later in the fall. For 2026, IRMAA surcharges on Part B and Part D begin above $109,000 in income for a single filer.

Where to get help you can trust

The Medicare Plan Finder at medicare.gov is the official tool for comparing every plan available at your ZIP code, with your drugs and your pharmacy. You can also call 1-800-MEDICARE (1-800-633-4227), 24 hours a day, seven days a week, for personalized answers. For details that are specific to a plan — the full provider directory, the complete drug list, the Evidence of Coverage — go directly to that plan's website or call the number on the materials they mailed you.