Your 2027 Guide to Medicare Advantage in Upper Darby, Pennsylvania
29 Medicare Advantage plans in Delaware County are changing for 2027, 18 plans are leaving and 13 plans are new. Use this guide to see how the plans work in Upper Darby, Pennsylvania and what to compare, in plain terms.
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Medicare Advantage plans in your area are changing or leaving for 2027.
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Medicare Advantage plans in your area are changing or leaving for 2027.
Is your plan on the list? One call tells you — before enrollment opens.
Available now — current wait: 0 min
A real person answers. About 5 minutes, no obligation.
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New to Medicare around Upper Darby? Start with one fact that clears up a lot of confusion: what's available to you is decided at the county level, and Upper Darby falls in Delaware County (part of Upper Darby area).
There, 95 Medicare Advantage plans are available for 2027. About 41% of the county's Medicare members are in a Medicare Advantage plan rather than Original Medicare, among the roughly 100,966 residents who are 65 or older.
Below, we lay out the carriers serving the area, how Original Medicare, Advantage, Medigap and Part D relate, the 2027 numbers everyone shares, the enrollment calendar, and free help — all educational, with no plan rankings.
Medicare Advantage companies in Delaware County
Answer 3 quick questions to see Medicare options near you from licensed partners.
| Company | Local enrollment | Plans offered | Local agents | Action |
|---|---|---|---|---|
| Independence Health Group IncRegional | — | Yes | ||
| Aetna (CVS Health)National | — | Yes | ||
| UnitedHealthcareNational | — | Yes | ||
| HumanaNational | — | Yes | ||
| Group Retiree Health Solutions IncRegional | — | Yes | ||
| Blue Cross Blue Shield (HCSC)Regional | — | Yes |
How your Medicare choices fit together
Almost everyone starts with Original Medicare — Part A (hospital) and Part B (medical), run by the federal government. From there, you generally choose one of two directions, and understanding the fork is the whole game.
The Medicare Advantage path (Part C). You get your Part A and Part B benefits through a private plan approved by Medicare, usually with drug coverage included. Plans work within networks and service areas set at the county level, which is why availability in Upper Darby, Pennsylvania depends on your county, not just your state.
The Original Medicare path. You stay with the government program and can add a stand-alone Part D drug plan, and often a Medigap policy to help with the out-of-pocket costs Original Medicare leaves behind — trading bundled extras for broad provider freedom.
Neither path is universally better; the right fit depends on your doctors, your prescriptions, your budget, and how you like to handle care. This guide explains how each works in Upper Darby, Pennsylvania so you can decide for yourself. We don't rank or recommend specific plans.
By the numbers
How people get Medicare in Delaware County
(MA penetration in Delaware 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.
What Medicare costs in 2027
It helps to separate the costs everyone shares from the costs that vary by plan. The program-level numbers here are set nationally — the same whether you're in a big city or a rural county.
Part B premium. Most people pay the standard Part B premium of $202.9 a month in 2026 (2026 amount; 2027 figure will be posted when CMS releases it). Part A is premium-free for most people who worked and paid Medicare taxes long enough.
Part D drug costs. In 2027, a Part D plan's yearly deductible can be no more than $700, and a $2,400 cap limits what you pay out of pocket for covered prescriptions across the year — a real change for anyone with high drug costs.
Higher earners pay more for Parts B and D through an income-related adjustment called IRMAA, which for 2026 starts above $109,000 in annual income for an individual and is based on your 2024 tax return. Most people fall below that line and pay the standard amounts. The 2027 brackets will be posted when CMS releases them.
Plan-specific costs. What an individual plan charges — its premium, deductible, copays, and what it covers — varies by plan and changes yearly. We don't publish those figures or rank plans; Medicare's Plan Finder shows the current details for your situation, and a licensed agent can walk you through them.
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.
When you can enroll or make changes
Medicare's enrollment windows are federal — the same nationwide — so the timing below applies wherever you live.
Your first window (IEP). When you're new to Medicare, your Initial Enrollment Period is the 7-month window around your 65th birthday month. Signing up on time helps you avoid late penalties that can follow you for years.
Annual Enrollment Period (AEP). Each fall, from October 15 – December 7, anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan. Changes take effect January 1.
Medicare Advantage Open Enrollment. From January 1 – March 31, if you're already in an Advantage plan you get one chance to switch plans or return to Original Medicare.
Special Enrollment Periods can also open after certain life events, like moving or losing other coverage. The interactive calendar further down lays the year out visually.
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.
Getting unbiased help in Upper Darby
You never have to make these decisions alone, and you don't have to pay for good help. A few free, trustworthy starting points:
Medicare.gov and 1-800-MEDICARE (TTY 1-877-486-2048) are the official sources for plan details and the Plan Finder. Licensed agents can also compare options with you and handle enrollment.
And to be clear about who we are: MyMedicarePlans.org is a privately owned, independent educational resource. We are not Medicare, not a government agency, and not affiliated with one. We publish plain-language information to help you get oriented — then point you to the official sources and licensed professionals for decisions about specific plans.
Good to know