Medicare Advantage
Before Dec. 7: a Philadelphia Medicare checklist for 2027
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.
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Key takeaways
- The Annual Enrollment Period runs October 15 – December 7, 2026, and any change you make takes effect January 1, 2027.
- Philadelphia County will have 98 Medicare Advantage plans from 17 carriers for 2027, including 13 new plans and 12 that are not returning.
- Read your Annual Notice of Change (ANOC) first — it tells you exactly what is different about your current plan for 2027.
- Compare plans at medicare.gov using your doctors, hospitals, drugs and pharmacy, or call 1-800-MEDICARE for help.
PHILADELPHIA — Fall 2026 is here, and Medicare's Annual Enrollment Period is open through December 7, 2026. Anything you change in that window takes effect January 1, 2027. If you do nothing, your current Medicare Advantage plan simply renews — but it may not look the same next year, which is why a careful side-by-side is worth an hour of your time.
Philadelphia is in Philadelphia County, where the 2027 Medicare Advantage lineup is set. According to the CMS Medicare Advantage Landscape Source File, the county will have 98 Medicare Advantage plans from 17 carriers for 2027. All 98 include prescription drug coverage. There are 13 new plans and 12 plans not returning, and plan types break down as 47 HMO, 17 HMO-POS and 34 PPO. Special Needs Plans (SNPs) include 20 Dual-eligible (D-SNP), 8 Chronic Condition (C-SNP) and 7 Institutional (I-SNP). The full roster is in the table on this page.
Start with the Annual Notice of Change
Every Medicare Advantage and Part D plan mails an Annual Notice of Change (ANOC) by late September. It compares your 2026 plan to the 2027 version — premium, deductible, copays, drug tier changes, network updates and extra benefits. Read it before you shop. If nothing important changed and you are still happy, you may be fine to let your plan renew. If something you rely on changed, that is your signal to compare.
For context on program-wide drug costs: in 2027, the Part D out-of-pocket cap rises to $2,400 (from $2,100 in 2026), and the Part D maximum deductible is $700 (from $615 in 2026). The 2027 Part B standard premium, deductible and IRMAA income brackets have not been announced yet; CMS typically publishes those in the fall.
Know what kind of plan you are comparing
Plan type shapes how you use care, so sort by it first.
- HMO plans (47 in the county for 2027) usually require you to use in-network doctors and get referrals.
- HMO-POS plans (17 for 2027) are HMOs with some out-of-network flexibility for certain services.
- PPO plans (34 for 2027) let you see out-of-network providers, usually at a higher cost.
- Special Needs Plans are for people who qualify: D-SNPs for those with both Medicare and Medicaid, C-SNPs for certain chronic conditions, and I-SNPs for people in nursing homes or needing that level of care.
The county's 17 carriers for 2027 are Aetna (CVS Health), Centene (WellCare), Clover Health, Devoted Health, Geisinger Gold, HealthSpring, 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.
A step-by-step way to compare
Open the Medicare Plan Finder at medicare.gov/plan-compare and sign in (or use it as a guest). Then walk through these checks for every plan on your short list:
1. Doctors. Enter the names of each doctor and specialist you want to keep. Confirm they are in-network for the specific 2027 plan — not just the carrier. 2. Hospitals. Check that your preferred Philadelphia-area hospital system is in-network. Networks can differ between a carrier's HMO and PPO. 3. Prescriptions. Enter every drug, exact dose and quantity. The Plan Finder will show the plan's 2027 formulary tier, any restrictions (prior authorization, step therapy) and your estimated yearly drug costs. 4. Pharmacies. Pick 1–2 pharmacies you actually use. "Preferred" pharmacies often cost less than "standard" ones at the same plan. 5. Total cost, not just premium. Look at the plan's premium, deductible, copays and the yearly out-of-pocket maximum together. 6. Extra benefits. If dental, vision, hearing, OTC or fitness matter to you, read the plan documents (not just the summary) to see what is actually covered. 7. Star Ratings. CMS rates plans 1–5 stars on quality and member experience. Use them as one data point among many.
If you prefer the phone, call 1-800-MEDICARE (TTY 1-877-486-2048), 24 hours a day, 7 days a week.
What's new for 2027 in the county
The 2027 Philadelphia County roster adds 13 new plans and drops 12 plans from 2026. If one of the 12 not-returning plans is yours, you will get a non-renewal notice from your carrier and will need to pick a new plan during AEP (or you'll have a Special Enrollment Period after). Some plans have also been renamed — the ANOC spells out whether yours is one of them.
Plan-type mix also shifts year over year. For 2027, HMOs grew to 47 and HMO-POS plans came down to 17; PPOs stand at 34. The Special Needs Plan count is 20 D-SNP, 8 C-SNP and 7 I-SNP. Carrier-level counts for 2027 include Aetna (CVS Health) with 12, Humana with 14, UnitedHealthcare with 14, Independence Blue Cross with 12, Devoted Health with 9, Jefferson Health Plans with 8, HealthSpring with 7, Centene (WellCare) with 3, Geisinger Gold with 3, Perennial Advantage with 3, Provider Partners Health Plans with 3, Clover Health with 2, Highmark Blue Cross Blue Shield or Highmark Blue Shield with 2, Highmark Wholecare Medicare Assured with 2, UPMC for Life with 2, UPMC for Life Complete Care with 1, and VISTA Health Plan Inc. with 1. The full plan list is in the table below.
If you do nothing
You will not lose coverage simply by sitting still, as long as your plan is offered again in 2027. It will renew with the changes described in your ANOC. The risk of doing nothing isn't losing Medicare — it's being surprised in January by a copay, a drug tier or a dropped provider you didn't know had changed.
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.
By the numbers
How people get Medicare in Philadelphia County
(MA penetration in Philadelphia County)
MA penetration from CMS enrollment data; Medigap share is an estimate. U.S. average is about 54% Medicare Advantage. These are area-level figures, not plan-specific.
2027 plan lineup
Medicare Advantage plans in Philadelphia County for 2027
CMS lists 98 Medicare Advantage plans in Philadelphia County for 2027 from 17 carriers, alphabetically by carrier.
| Plan | Type | Drug coverage | For 2027 |
|---|---|---|---|
| Aetna (CVS Health) 12 plans | |||
| Aetna Medicare Advantra Eagle (HMO-POS) | HMO-POS | Yes | New |
| Aetna Medicare Advantra Premier (PPO) | PPO | Yes | Returning |
| Aetna Medicare Advantra Prime Plus (HMO-POS) | HMO-POS | Yes | Returning |
| Aetna Medicare Advantra Signature (HMO-POS) | HMO-POS | Yes | Returning |
| Aetna Medicare Advantra Signature Giveback (PPO) | PPO | Yes | Returning |
| Aetna Medicare Chronic Care Value (HMO C-SNP) | HMO C-SNP | Yes | Returning |
| Aetna Medicare Dual Care (HMO D-SNP) | HMO D-SNP | Yes | Renamed |
| Aetna Medicare Elite (PPO) | PPO | Yes | Renamed |
| Aetna Medicare Full Dual Care (HMO D-SNP) | HMO D-SNP | Yes | New |
| Aetna Medicare Longevity (HMO I-SNP) | HMO I-SNP | Yes | Returning |
| Aetna Medicare Signature Extra (PPO) | PPO | Yes | New |
| Aetna Medicare Value Care (HMO-POS) | HMO-POS | Yes | Returning |
| Centene (WellCare) 3 plans | |||
| Wellcare PA Health & Wellness Dual Liberty Sync (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | Renamed |
| Wellcare PA Health & Wellness Dual Select (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | Renamed |
| Wellcare Simple (HMO-POS) | HMO-POS | Yes | Returning |
| Clover Health 2 plans | |||
| Clover Health Choice (PPO) | PPO | Yes | Returning |
| Clover Health Valor (PPO) | PPO | Yes | Returning |
| Devoted Health 9 plans | |||
| DEVOTED C-SNP ENHANCED 016 PA (HMO C-SNP) | HMO C-SNP | Yes | Renamed |
| DEVOTED C-SNP GIVEBACK EXTRAS 027 PA (HMO C-SNP) | HMO C-SNP | Yes | New |
| DEVOTED C-SNP PLUS 021 PA (HMO C-SNP) | HMO C-SNP | Yes | Returning |
| DEVOTED CHOICE 007 PA (PPO) | PPO | Yes | Returning |
| DEVOTED CHOICE GIVEBACK 003 PA (PPO) | PPO | Yes | Returning |
| DEVOTED CORE 023 PA (HMO) | HMO | Yes | Returning |
| DEVOTED DUAL FULL 026 PA (HMO D-SNP) | HMO D-SNP | Yes | Returning |
| DEVOTED DUAL PLUS 007 PA (HMO D-SNP) | HMO D-SNP | Yes | Returning |
| DEVOTED GIVEBACK EXTRAS 036 PA (HMO) | HMO | Yes | New |
| Geisinger Gold 3 plans | |||
| Geisinger Gold Heritage (HMO) | HMO | Yes | Returning |
| Geisinger Gold Secure Rx (HMO D-SNP) | HMO D-SNP | Yes | Returning |
| Geisinger Gold Value Rx (HMO) | HMO | Yes | Returning |
| HealthSpring 7 plans | |||
| HealthSpring Achieve (HMO C-SNP) | HMO C-SNP | Yes | Returning |
| HealthSpring Preferred (HMO) | HMO | Yes | Returning |
| HealthSpring Preferred PA (HMO) | HMO | Yes | Returning |
| HealthSpring Preferred Plus (HMO) | HMO | Yes | Returning |
| HealthSpring Preferred Savings (HMO) | HMO | Yes | Returning |
| HealthSpring TotalCare Plus (HMO D-SNP) | HMO D-SNP | Yes | Returning |
| HealthSpring True Choice (PPO) | PPO | Yes | Returning |
| Highmark Blue Cross Blue Shield or Highmark Blue Shield 2 plans | |||
| Complete Blue PPO Distinct (PPO) | PPO | Yes | Returning |
| Freedom Blue PPO Valor (PPO) | PPO | Yes | Returning |
| Highmark Wholecare Medicare Assured 2 plans | |||
| Highmark Wholecare Medicare Assured Diamond (HMO D-SNP) | HMO D-SNP | Yes | Returning |
| Highmark Wholecare Medicare Assured Ruby (HMO D-SNP) | HMO D-SNP | Yes | Returning |
| Humana 14 plans | |||
| Humana Dual Select H6622-103 (HMO D-SNP) | HMO D-SNP | Yes | New |
| Humana Essentials Plus Giveback (PPO) | PPO | Yes | Renamed |
| Humana Gold Plus SNP-DE H6622-078 (HMO D-SNP) | HMO D-SNP | Yes | Returning |
| Humana Total Complete (HMO) | HMO | Yes | Renamed |
| Humana USAA Honor Giveback (PPO) | PPO | Yes | Returning |
| Humana USAA Honor Giveback with Rx (PPO) | PPO | Yes | Returning |
| Humana Value Choice (PPO) | PPO | Yes | Renamed |
| HumanaChoice - Diabetes and Heart (PPO C-SNP) | PPO C-SNP | Yes | New |
| HumanaChoice Giveback H5216-116 (PPO) | PPO | Yes | Returning |
| HumanaChoice H5216-120 (PPO) | PPO | Yes | Returning |
| HumanaChoice H5525-005 (PPO) | PPO | Yes | Returning |
| HumanaChoice H5525-086 (PPO) | PPO | Yes | Returning |
| HumanaChoice R0110-007 (Regional PPO) | PPO | Yes | Returning |
| HumanaChoice R0110-008 (Regional PPO) | PPO | Yes | Returning |
| Independence Blue Cross 12 plans | |||
| Keystone 65 Assured Rx (HMO) | HMO | Yes | New |
| Keystone 65 Basic Rx (HMO) | HMO | Yes | Returning |
| Keystone 65 Essential Rx (HMO-POS) | HMO-POS | Yes | Returning |
| Keystone 65 Focus Rx (HMO-POS) | HMO-POS | Yes | Returning |
| Keystone 65 Liberty Medical Only (HMO) | HMO | Yes | Returning |
| Keystone 65 Preferred Medical Only (HMO) | HMO | Yes | Returning |
| Keystone 65 Preferred Rx (HMO) | HMO | Yes | Returning |
| Keystone 65 Select Medical Only (HMO) | HMO | Yes | Returning |
| Keystone 65 Select Rx (HMO) | HMO | Yes | Returning |
| Personal Choice 65 Achieve Rx (PPO) | PPO | Yes | Returning |
| Personal Choice 65 Medical Only (PPO) | PPO | Yes | Returning |
| Personal Choice 65 Rx (PPO) | PPO | Yes | Returning |
| Jefferson Health Plans 8 plans | |||
| Jefferson Health Plans Complete (HMO) | HMO | Yes | Returning |
| Jefferson Health Plans Dual Pearl (HMO D-SNP) | HMO D-SNP | Yes | Returning |
| Jefferson Health Plans Flex (PPO) | PPO | Yes | Returning |
| Jefferson Health Plans Giveback (HMO) | HMO | Yes | Returning |
| Jefferson Health Plans Preferred (PPO) | PPO | Yes | New |
| Jefferson Health Plans Prime (HMO) | HMO | Yes | Returning |
| Jefferson Health Plans Select (HMO D-SNP) | HMO D-SNP | Yes | Returning |
| Jefferson Health Plans Special (HMO D-SNP) | HMO D-SNP | Yes | Returning |
| Perennial Advantage 3 plans | |||
| Perennial Advantage Freedom (HMO) | HMO | Yes | Returning |
| Perennial Advantage Premier (HMO I-SNP) | HMO I-SNP | Yes | Returning |
| Perennial Advantage Strive (HMO I-SNP) | HMO I-SNP | Yes | Returning |
| Provider Partners Health Plans 3 plans | |||
| Provider Partners Pennsylvania Advantage Plan (HMO I-SNP) | HMO I-SNP | Yes | Returning |
| Provider Partners Pennsylvania Community Plan (HMO I-SNP) | HMO I-SNP | Yes | New |
| Provider Partners Pennsylvania Essential Plan (HMO I-SNP) | HMO I-SNP | Yes | New |
| UnitedHealthcare 14 plans | |||
| AARP Medicare Advantage Essentials from UHC PA-5 (HMO-POS) | HMO-POS | Yes | Returning |
| AARP Medicare Advantage Extras from UHC PA-18 (HMO-POS) | HMO-POS | Yes | Returning |
| AARP Medicare Advantage from UHC PA-0001 (HMO-POS) | HMO-POS | Yes | Returning |
| AARP Medicare Advantage from UHC PA-0008 (PPO) | PPO | Yes | Returning |
| AARP Medicare Advantage from UHC PA-0009 (PPO) | PPO | Yes | Returning |
| AARP Medicare Advantage from UHC PA-0010 (PPO) | PPO | Yes | Returning |
| AARP Medicare Advantage Giveback from UHC PA-12 (PPO) | PPO | Yes | Returning |
| AARP Medicare Advantage Patriot No Rx PA-MA01 (HMO-POS) | HMO-POS | Yes | Returning |
| UHC Complete Care PA-17 (HMO-POS C-SNP) | HMO-POS C-SNP | Yes | Returning |
| UHC Complete Care Support PA-1A (HMO-POS C-SNP) | HMO-POS C-SNP | Yes | New |
| UHC Dual Advantage PA-V1 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | Renamed |
| UHC Dual Complete PA-S001 (PPO D-SNP) | PPO D-SNP | Yes | Returning |
| UHC Dual Complete PA-S002 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | Returning |
| UHC Nursing Home Plan EX-F002 (PPO I-SNP) | PPO I-SNP | Yes | Returning |
| UPMC for Life 2 plans | |||
| UPMC for Life HMO No Rx (HMO) | HMO | Yes | New |
| UPMC for Life PPO Salute (PPO) | PPO | Yes | Returning |
| UPMC for Life Complete Care 1 plan | |||
| UPMC for Life Complete Care (HMO D-SNP) | HMO D-SNP | Yes | Returning |
| VISTA Health Plan Inc. 1 plan | |||
| Keystone First VIP Choice (HMO D-SNP) | HMO D-SNP | Yes | Returning |
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plan availability is set at the county level. 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
HMO, PPO and Special Needs Plans in Philadelphia County for 2027
- Aetna (CVS Health) 12 plans: HMO, HMO-POS, PPO
- Centene (WellCare) 3 plans: HMO-POS
- Clover Health 2 plans: PPO
- Devoted Health 9 plans: HMO, PPO
- Geisinger Gold 3 plans: HMO
- HealthSpring 7 plans: HMO, PPO
- Highmark Blue Cross Blue Shield or Highmark Blue Shield 2 plans: PPO
- Highmark Wholecare Medicare Assured 2 plans: HMO
- Humana 14 plans: HMO, PPO
- Independence Blue Cross 12 plans: HMO, HMO-POS, PPO
- Jefferson Health Plans 8 plans: HMO, PPO
- Perennial Advantage 3 plans: HMO
- Provider Partners Health Plans 3 plans: HMO
- UnitedHealthcare 14 plans: HMO-POS, PPO
- UPMC for Life 2 plans: HMO, PPO
- UPMC for Life Complete Care 1 plan: HMO
- VISTA Health Plan Inc. 1 plan: HMO
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. Plan availability is set at the county level. 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.
Key dates
Medicare enrollment periods at a glance
- Around your 65thInitial Enrollment PeriodA 7-month window around the month you turn 65 — your first chance to sign up.
- October 15 – December 7Annual Enrollment PeriodAnyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan.
- January 1 – March 31Medicare Advantage Open EnrollmentIf you're already in a Medicare Advantage plan, you can make one change.
- January 1 – March 31General Enrollment PeriodFor people who missed their first chance to sign up for Part B.
- VariesSpecial Enrollment PeriodTriggered by life events like moving or losing other coverage.
Dates are set by Medicare and apply nationwide. Confirm your personal windows at Medicare.gov or 1-800-MEDICARE.
Explore
When can you enroll? An interactive year
Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.
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The parts of Medicare
Good to know
Frequently asked questions
When is the deadline to switch Medicare Advantage plans for 2027?
How many Medicare Advantage plans will Philadelphia County have in 2027?
What should I do if my current plan is one of the 12 not returning in 2027?
What is the Annual Notice of Change and when does it arrive?
- 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.
Also for Philadelphia
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This page was last updated: October 2026.