Medicare Advantage

Pittsburgh's 2027 Medicare Advantage roster: 16 carriers, every plan in one place

People in Pittsburgh can choose from 95 Medicare Advantage plans for 2027, against 96 this year. Nine of this year’s plans are gone, 8 are new to Allegheny County, and 46 that continue have changed their premium, deductible, plan type or name, 11 of them under a new name.

Medicare AdvantagePittsburgh, PA

For Medicare shoppers in Pittsburgh, the 2027 Medicare Advantage menu is one of the widest in Pennsylvania. Pittsburgh sits in Allegheny County, where the Centers for Medicare & Medicaid Services (CMS) lists 84 Medicare Advantage plans from 16 carriers for the 2027 plan year. Every one of those plans includes prescription drug coverage. The table below lists each plan by carrier, its plan type, and its drug-coverage status, so you can see the full field in one place before you start comparing details on Medicare's Plan Finder.

What "available in Pittsburgh" really means

Medicare Advantage availability is set by county, not by city. So when we say a plan is available in Pittsburgh, what CMS actually shows is that it is offered to people with Medicare who live in Allegheny County. If you live inside the city limits, the full 96-plan roster is open to you. If you move to a neighboring county, the list can change.

The roster in the table below comes from the CMS Medicare Advantage Landscape Source File for plan year 2027. It reflects which plans an insurer has filed to sell in the county — not what any single person will pay or which doctors are in-network.

The 2027 lineup at a glance

Sixteen carriers are offering Medicare Advantage plans in Allegheny County for 2027. In alphabetical order, they are:

• Aetna (CVS Health): 12 plans
• American Health Advantage of Pennsylvania: 1 plan
• Blue Cross Blue Shield (HCSC): 4 plans
• Centene (WellCare): 5 plans
• Devoted Health: 8 plans
• Geisinger Gold: 3 plans
• Highmark Blue Cross Blue Shield or Highmark Blue Shield: 14 plans
• Highmark Wholecare Medicare Assured: 2 plans
• Humana: 13 plans
• Jefferson Health Plans: 2 plans
• Perennial Advantage: 3 plans
• Provider Partners Health Plans: 3 plans
• UnitedHealthcare: 12 plans
• UPMC for Life: 12 plans
• UPMC for Life Complete Care: 1 plan
• VISTA Health Plan Inc.: 1 plan

The mix includes locally rooted names such as UPMC for Life, Highmark, and Geisinger Gold alongside national carriers like Aetna, Humana, and UnitedHealthcare. The full plan-by-plan breakdown is in the table below.

Plan types you'll see in the table

Not every Medicare Advantage plan works the same way. Allegheny County's 2027 list includes four plan types:

• HMO (Health Maintenance Organization): 40 plans. You usually pick a primary care doctor and stay in-network.
• HMO-POS (Point of Service): 19 plans. Like an HMO, with some out-of-network flexibility for specific services.
• PPO (Preferred Provider Organization): 36 plans. Broader out-of-network options, usually at a higher cost share.
• PFFS (Private Fee-for-Service): 1 plan. Providers decide visit by visit whether to accept the plan's terms.

Every one of the 96 plans includes Part D drug coverage, so people looking at these plans do not need a separate stand-alone Part D plan.

Special Needs Plans in the county

Of the 96 Medicare Advantage plans, 33 are Special Needs Plans (SNPs). SNPs are limited to people who meet certain criteria:

• D-SNPs are for people with both Medicare and Medicaid.
• C-SNPs are for people with certain chronic conditions.
• I-SNPs are for people who live in, or need the level of care provided in, an institution such as a nursing home.

In the roster below, you'll see SNP designations like HMO D-SNP, HMO C-SNP, HMO I-SNP, HMO-POS D-SNP, PPO D-SNP, and PPO I-SNP. Carriers offering SNPs in Allegheny County include Aetna, American Health Advantage of Pennsylvania, Blue Cross Blue Shield (HCSC), Centene (WellCare), Devoted Health, Geisinger Gold, Highmark Wholecare Medicare Assured, Humana, Jefferson Health Plans, Perennial Advantage, Provider Partners Health Plans, UnitedHealthcare, UPMC for Life Complete Care, and VISTA Health Plan Inc.

A quick note on drug coverage in 2027

Because every Medicare Advantage plan on this county's roster includes drug coverage, it's worth knowing what the 2027 Part D rules look like:

• The Part D out-of-pocket cap is $2,100 for 2026. Once you hit that in covered drug costs, you pay $0 for covered drugs the rest of the year.
• The Part D maximum deductible is $615 in 2026 (plans may set a lower one).
• The old coverage gap ("donut hole") is gone as of 2025. Part D now has three phases: deductible, initial coverage, and catastrophic.
• The Medicare Prescription Payment Plan is optional and lets you spread your drug costs into monthly payments instead of paying at the pharmacy counter.
• IRMAA surcharges for higher-income enrollees begin above $109,000 in income for a single filer in 2026.

These figures come from Medicare and apply program-wide, not to any single plan on the list.

Enrollment dates to keep on your calendar

• October 15 – December 7: Medicare's Annual Enrollment Period. You can join, switch, or drop a Medicare Advantage or Part D plan for the following year.
• January 1 – March 31: Medicare Advantage Open Enrollment Period. If you're already in a Medicare Advantage plan, you get one chance to switch to another MA plan or go back to Original Medicare (and add a Part D plan).

How to compare the plans on the list

The table below shows what's available. It does not show what a plan costs you, which providers are in-network, or how it covers your specific medications. For that, use these tools:

• Medicare Plan Finder at medicare.gov — enter your ZIP code and medication list to see plan-specific premiums, deductibles, and cost-sharing.
• 1-800-MEDICARE (1-800-633-4227) — available 24/7 for personalized help.
• APPRISE, Pennsylvania's State Health Insurance Assistance Program (SHIP) — free, unbiased one-on-one counseling for Medicare beneficiaries.
• Each plan's own Summary of Benefits and Evidence of Coverage documents.