Medicare Advantage
Independence Blue Cross Medicare Advantage in Pennsylvania for 2027: 17 Plans
HARRISBURG, Pa. — For the 2027 plan year, Independence Blue Cross is offering 17 Medicare Advantage plans in Pennsylvania, according to the Medicare Advantage Landscape Source Files that the Centers for Medicare & Medicaid Services (CMS) releases each fall. That statewide figure is the headline number for Pennsylvanians comparing coverage during this year's Annual Enrollment Period, which runs October 15 through December 7, 2026, with any new choice taking effect January 1, 2027.
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Key takeaways
- Independence Blue Cross is offering 17 Medicare Advantage plans in Pennsylvania for 2027, and all 17 include drug coverage.
- A plan listed statewide may not be available in your specific Pennsylvania county, so always confirm by ZIP code before enrolling.
- The Annual Enrollment Period runs October 15 – December 7, 2026, and a choice made in that window takes effect January 1, 2027.
- Free, unbiased help is available at Medicare.gov and 1-800-MEDICARE (TTY 1-877-486-2048).
| Fact | Figure | Source |
|---|---|---|
| Part B standard monthly premium (2026) | $202.90 | Medicare.gov |
| Part D out-of-pocket cap (2026) | $2,100 | CMS |
| Part D out-of-pocket cap (2027) | $2,400 | CMS |
| Annual Enrollment Period (for 2027 coverage) | October 15 – December 7, 2026 | Medicare.gov |
| Medicare Advantage Open Enrollment Period | January 1 – March 31 | Medicare.gov |
Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.
This explainer is published by an independent Medicare education site. It is privately owned, not part of the federal government, and not affiliated with Independence Blue Cross or any other insurance carrier.
How many Independence Blue Cross Medicare Advantage plans are offered in Pennsylvania for 2027?
Independence Blue Cross is offering 17 Medicare Advantage plans in Pennsylvania for 2027. By plan type, that breaks down to 10 HMO plans, 3 HMO-POS plans, and 4 PPO plans. All 17 include prescription drug coverage.
The carrier is not offering any Special Needs Plans in Pennsylvania for 2027: zero D-SNPs (for people with both Medicare and Medicaid), zero C-SNPs (for people with qualifying chronic conditions), and zero I-SNPs (for people living in certain institutional settings). Residents who need a Special Needs Plan would need to look at other carriers in the state. For context, 19 other carriers offer Medicare Advantage plans in Pennsylvania for 2027, and across all carriers combined there are 338 plans statewide.
Which Independence Blue Cross plans have the widest county reach in Pennsylvania for 2027?
Several Independence Blue Cross plans reach the widest footprint — 5 Pennsylvania counties — for 2027. According to the CMS Landscape file, those include Keystone 65 Assured Rx (HMO), Keystone 65 Basic Rx (HMO), Keystone 65 Essential Rx (HMO-POS), Keystone 65 Liberty Medical Only (HMO), Keystone 65 Preferred Medical Only (HMO), and Personal Choice 65 Achieve Rx (PPO).
Other plans — including Keystone 65 Focus Rx (HMO-POS), Keystone 65 Preferred Rx (HMO), Keystone 65 Select Medical Only (HMO), Keystone 65 Select Rx (HMO), Personal Choice 65 Medical Only (PPO), and Personal Choice 65 Rx (PPO) — are offered in a smaller number of counties, typically 2 or 3. The full plan-by-plan list and county counts are shown in the table on this page.
Because Medicare Advantage is sold county by county, a plan that is "offered in Pennsylvania" is only available to you if it is offered in the county where you live.
What is new or not returning from Independence Blue Cross in Pennsylvania for 2027?
For 2027, Independence Blue Cross has 1 new Medicare Advantage plan in Pennsylvania and 1 plan that is not returning, based on a year-over-year comparison of the CMS Landscape Source Files for 2026 and 2027. The new plan listed in the 2027 file is Keystone 65 Assured Rx (HMO), offered in 5 counties.
If you are currently enrolled in a plan that is not returning for 2027, your carrier is required to send you a non-renewal notice. That notice explains your options and the special enrollment protections available. If you take no action, you may lose Medicare Advantage coverage on January 1, 2027, so it is worth opening any mail from your current plan carefully.
How do I check whether an Independence Blue Cross plan is offered in my Pennsylvania county for 2027?
The quickest way to confirm availability in your Pennsylvania county for 2027 is to use the Medicare Plan Finder at Medicare.gov or to call 1-800-MEDICARE (TTY 1-877-486-2048), available 24 hours a day, seven days a week. Enter your ZIP code and the tool will show the Independence Blue Cross plans — and plans from the other 19 carriers in the state — that serve your address.
Beyond availability, there are three things worth checking before you enroll:
- Doctors and hospitals. Confirm each provider you want to keep is in-network for the specific plan you are considering. Use the plan's own online provider directory, or call the plan directly.
- Prescriptions. Enter every medication, dose and pharmacy into Plan Finder so you can see how each plan treats your drug list.
- Rules of the road. Review the plan's Evidence of Coverage for referral rules, prior authorizations, and out-of-network rules — especially the differences between HMO, HMO-POS and PPO plans.
This site does not publish premiums, copays, deductibles, benefits, networks or star ratings for any plan. Those details change and should be read directly from the official plan documents or Medicare.gov.
What should Pennsylvania residents do before December 7, 2026?
Before December 7, 2026, Pennsylvania residents who want to change Medicare coverage for 2027 should compare plans available in their county and submit any enrollment choice. The Annual Enrollment Period opens October 15, 2026, and any plan selection made during that window takes effect January 1, 2027.
A simple checklist:
1. Gather your Medicare number, a current list of prescriptions, and a list of doctors and hospitals you want to keep. 2. Run your ZIP code through the Plan Finder at Medicare.gov to see every plan — Independence Blue Cross and the 19 other carriers — available in your county. 3. Read the Summary of Benefits and Evidence of Coverage for any plan you are seriously considering. 4. If you want to enroll or switch, do so by December 7, 2026.
If you are satisfied with your current plan and it is returning in 2027, no action is required.
Where can Pennsylvania residents get free help with Medicare for 2027?
Free, unbiased help with Medicare in Pennsylvania is available directly from the federal government. Call 1-800-MEDICARE (TTY 1-877-486-2048), available 24 hours a day, seven days a week, or visit Medicare.gov to use the Plan Finder, read plan documents, and enroll online.
For questions about Medicare eligibility and enrollment tied to Social Security, contact the Social Security Administration at 1-800-772-1213.
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.
2027 plan lineup
Independence Blue Cross Medicare Advantage plans in Pennsylvania for 2027
CMS lists 17 Independence Blue Cross Medicare Advantage plans across Pennsylvania for 2027, alphabetically by carrier, widest county reach first. 19 other carriers also offer plans there.
| Plan | Type | Drug coverage | Counties |
|---|---|---|---|
| Independence Blue Cross 17 plans | |||
| Keystone 65 Assured Rx (HMO) | HMO | Yes | 5 |
| Keystone 65 Basic Rx (HMO) | HMO | Yes | 5 |
| Keystone 65 Essential Rx (HMO-POS) | HMO-POS | Yes | 5 |
| Keystone 65 Liberty Medical Only (HMO) | HMO | Yes | 5 |
| Keystone 65 Preferred Medical Only (HMO) | HMO | Yes | 5 |
| Personal Choice 65 Achieve Rx (PPO) | PPO | Yes | 5 |
| Keystone 65 Focus Rx (HMO-POS) | HMO-POS | Yes | 3 |
| Keystone 65 Preferred Rx (HMO) | HMO | Yes | 3 |
| Keystone 65 Select Medical Only (HMO) | HMO | Yes | 3 |
| Keystone 65 Select Rx (HMO) | HMO | Yes | 3 |
| Personal Choice 65 Rx (PPO) | PPO | Yes | 3 |
| Keystone 65 Focus Rx (HMO-POS) | HMO-POS | Yes | 2 |
| Keystone 65 Preferred Rx (HMO) | HMO | Yes | 2 |
| Keystone 65 Select Medical Only (HMO) | HMO | Yes | 2 |
| Keystone 65 Select Rx (HMO) | HMO | Yes | 2 |
| Personal Choice 65 Medical Only (PPO) | PPO | Yes | 2 |
| Personal Choice 65 Rx (PPO) | PPO | Yes | 2 |
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plans are offered county by county; a plan listed for the state may not be offered in your county. No plan is ranked or recommended; premiums, benefits, networks and star ratings are not shown. Plan details come from the Medicare Plan Finder at medicare.gov or the plan itself.
The 2027 choices, by type
How Independence Blue Cross Medicare Advantage plans across Pennsylvania break down for 2027
HMO plans use a network and usually a primary-care doctor and referrals; HMO-POS plans add some out-of-network coverage; PPO plans also cover out-of-network care, at a higher share; PFFS plans pay any provider that accepts the plan’s terms. Special Needs Plans serve people with Medicare and Medicaid (D-SNP), certain chronic conditions (C-SNP) or living in an institution (I-SNP).
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plans are offered county by county; a plan listed for the state may not be offered in your county. No plan is ranked or recommended; premiums, benefits, networks and star ratings are not shown. Plan details come from the Medicare Plan Finder at medicare.gov or the plan itself.
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Frequently asked questions
How many Independence Blue Cross Medicare Advantage plans are offered in Pennsylvania for 2027?
Does Independence Blue Cross offer Medicare Advantage plans in every Pennsylvania county for 2027?
When do changes made during the Annual Enrollment Period take effect?
What happens if my Independence Blue Cross plan is not returning in 2027?
- CMS — MA Landscape Source File (plan-level availability by county)
- CMS — MA Landscape Source Files, current and coming plan year (year-over-year comparison)
- CMS — Medicare enrollment periods (medicare.gov)
For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
Sources and methodology
- Medicare.gov, Medicare costs (Part B premium)
- CMS, Medicare prescription drug coverage (Part D) program rules
- CMS, Medicare Advantage and Part D plan-year announcements
- Medicare.gov, enrollment periods and plan rules
- CMS, Medicare Advantage and Part D Landscape Source Files
Figures cited in this article
- CMS — Medicare Advantage Landscape Source File (CY2027): the Pennsylvania statewide plan counts for Independence Blue Cross, plan types, drug coverage, Special Needs Plan counts, and county reach.
- CMS — Medicare Advantage Landscape Source Files (CY2026 and CY2027): the year-over-year comparison showing 1 new plan and 1 plan not returning.
- Medicare.gov — Medicare enrollment periods: the Annual Enrollment Period dates and January 1, 2027 effective date.
- Medicare.gov — Plan Finder and 1-800-MEDICARE: how to check plan availability by county, providers and prescriptions.
How we put this together: area counts come from the CMS files listed above for the county that contains this city, program figures come from CMS, Medicare.gov and the Social Security Administration, and no plan is ranked or recommended.
By The Medicare Desk · Published . For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
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This page was last updated: October 2026.