Medicare Advantage

Before AEP: 89 Philadelphia Medicare Advantage Plans

People in Philadelphia can choose from 98 Medicare Advantage plans for 2027, against 97 this year. Twelve of this year’s plans are gone, 13 are new to Philadelphia County, and 39 that continue have changed their premium, deductible, plan type or name, 9 of them under a new name.

Medicare AdvantagePhiladelphia, PA

PHILADELPHIA — If you live in Philadelphia and are shopping for a 2027 Medicare Advantage plan, here is the full picture: 17 carriers are selling 89 Medicare Advantage plans in Philadelphia County for the 2027 plan year, and every one of them includes prescription drug coverage. The table below lists every plan by carrier, its plan type (HMO, HMO-POS, PPO or PFFS), and whether it is a Special Needs Plan.

This lineup comes from the CMS Medicare Advantage Landscape Source File, which shows plan availability at the county level. Philadelphia is in Philadelphia County, so the same plans are offered across the city.

What "Medicare Advantage" means in Philadelphia this year

Medicare Advantage (Part C) plans are offered by private insurers approved by Medicare. They replace Original Medicare (Parts A and B) as your way to get benefits, and most also bundle Part D drug coverage — as every plan in Philadelphia County does for 2027.

The 97 plans available here fall into four plan types:

• HMO (42 plans): You generally use a network of doctors and hospitals and pick a primary care doctor.
• HMO-POS (18 plans): An HMO with a "point of service" option that lets you go out of network for some services, usually at a higher cost.
• PPO (36 plans): More flexibility to see out-of-network providers, usually at a higher share of cost.
• PFFS (1 plan): A private fee-for-service plan, which sets its own payment terms with providers.

The carriers offering plans in Philadelphia County

Seventeen carriers are on the 2027 Philadelphia County roster. Listed alphabetically, they are: Aetna (CVS Health), Blue Cross Blue Shield (HCSC), Centene (WellCare), Clover Health, Devoted Health, Geisinger Gold, Highmark Blue Cross Blue Shield or Highmark Blue Shield, Highmark Wholecare Medicare Assured, Humana, Independence Blue Cross, Jefferson Health Plans, Perennial Advantage, Provider Partners Health Plans, UnitedHealthcare, UPMC for Life, UPMC for Life Complete Care, and VISTA Health Plan Inc.

The number of plans varies by carrier. For example, Humana and UnitedHealthcare each offer 13 plans in the county, Aetna and Independence Blue Cross each offer 12, Jefferson Health Plans offers 9, and Devoted Health offers 8. Smaller footprints include UPMC for Life, UPMC for Life Complete Care and VISTA Health Plan Inc., each with 1 plan. The full breakdown by plan appears in the table below.

Special Needs Plans: 31 of the 97

Special Needs Plans (SNPs) are Medicare Advantage plans built for people who meet certain conditions:

• D-SNP — for people with both Medicare and Medicaid.
• C-SNP — for people with certain chronic conditions.
• I-SNP — for people who live in a nursing facility or need that level of care at home.

Of the 97 plans in Philadelphia County, 31 are SNPs. If you qualify for one, you may want to focus your search there — a licensed agent, your local SHIP, or Medicare's Plan Finder can help confirm eligibility.

What about stand-alone Part D drug plans?

Because every Medicare Advantage plan in Philadelphia County already includes drug coverage, the county file shows 0 stand-alone Part D plans on this roster. If you stay with Original Medicare and want Part D, you would enroll in a separate stand-alone drug plan available in Pennsylvania — Medicare.gov's Plan Finder lists those.

A few Part D program facts to keep in mind for 2027:

• The Part D out-of-pocket cap is $2,100 for the year.
• The maximum Part D deductible is $615.
• The old coverage gap ("donut hole") has been eliminated as of 2025; the benefit now has three phases.
• The Medicare Prescription Payment Plan lets you spread your drug costs across the year in monthly amounts, if you opt in.
• IRMAA income-related surcharges start above $109,000 for a single filer in 2026.

Dates to remember

• Oct. 15 – Dec. 7, 2026: Annual Enrollment Period. Join, switch or drop a Medicare Advantage or Part D plan for coverage starting Jan. 1, 2027.
• Jan. 1 – March 31, 2027: 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 Part D plan).

How to use the table

The table below lists every plan by carrier, along with plan type and whether it includes drug coverage. Use it as your starting map. For premiums, deductibles, copays, provider networks, drug formularies and star ratings — none of which we can list here — check the plan's own documents or the official Medicare Plan Finder at medicare.gov/plan-compare.