Medicare Advantage

Chattanooga's 2027 Medicare Advantage plans: who sells what, and which include drug coverage

For 2027, Chattanooga is looking at 58 Medicare Advantage plans: 13 new, 15 gone since 2026, and 12 still here but changed on premium, deductible, plan type or name, 5 of them under a new name. Below, how the lineup shifted in Hamilton County and what to compare, with no plan ranked or recommended.

Chattanooga sits in Hamilton County, and that is the county Medicare uses to decide which Medicare Advantage plans you can join. For plan year 2027, the county's lineup is set: 58 Medicare Advantage plans from 11 carriers, and every one of them includes prescription drug coverage. The table below lists every plan by carrier, with its plan type and a note that drug coverage is built in.

This article walks through what's on that list, what the plan-type labels mean, and where to check the details Medicare doesn't let us print here — like premiums, copays and networks.

What's on the 2027 Chattanooga list

The full county roster comes from the CMS Medicare Advantage Landscape Source File, which is the official list of plans approved to be sold in each county. For Hamilton County in 2027, that file shows 58 Advantage plans across 11 carriers. Every plan on the list carries drug coverage, which Medicare calls "MA-PD."

Here's how the plan count is split by carrier, in alphabetical order:

• Abilis Health: 2 plans
• Aetna (CVS Health): 2 plans
• American Health Advantage of Tennessee: 1 plan
• Blue Cross Blue Shield (HCSC): 7 plans
• BlueCare Plus Tennessee: 3 plans
• BlueCross BlueShield of Tennessee: 7 plans
• Centene (WellCare): 6 plans
• Devoted Health: 5 plans
• Elevance Health (Anthem): 6 plans
• Humana: 14 plans
• NHC Advantage: 2 plans
• UnitedHealthcare: 10 plans

The table below lists every plan by name, along with its plan type and drug-coverage note.

How to read the plan-type labels

You'll see three main labels in the table:

• HMO (Health Maintenance Organization): You generally pick a primary care doctor and stay in the plan's network, except for emergencies.
• HMO-POS (Point of Service): An HMO with a limited option to see some out-of-network providers, usually at a higher cost.
• PPO (Preferred Provider Organization): More flexibility to see out-of-network doctors, typically at a higher cost-share.

In Chattanooga's 2026 lineup, the mix is 24 HMOs, 19 HMO-POS plans and 22 PPOs.

Special Needs Plans in the mix

Of the 65 plans, 26 are Special Needs Plans (SNPs). These are Advantage plans limited to people who fit a specific situation:

• D-SNP (Dual Eligible): For people who have both Medicare and Medicaid.
• C-SNP (Chronic Condition): For people with a qualifying chronic condition, such as diabetes or certain heart conditions.
• I-SNP (Institutional): For people who live in a nursing home or need a similar level of care.

If you don't meet the eligibility rules for an SNP, you can't enroll in one, even if it's listed for your county. Regular HMO, HMO-POS and PPO plans in the roster are open to any Medicare-eligible resident of Hamilton County.

Drug coverage and the 2027 Part D rules

All 58 Chattanooga-area Advantage plans include Part D drug coverage. A few program-wide 2027 rules apply no matter which plan you pick:

• The Part D out-of-pocket cap is $2,100 for 2026. Once your covered drug spending hits that amount, you pay $0 for covered drugs the rest of the year.
• The maximum Part D deductible allowed is $615 in 2026 ($700 in 2027). Plans can charge less.
• The old coverage gap ("donut hole") was eliminated in 2025. Part D now has three phases: deductible, initial coverage and catastrophic.
• The Medicare Prescription Payment Plan lets you spread your drug costs into monthly payments across the year at no extra charge. You have to opt in.
• IRMAA — the extra premium surcharge for higher earners — starts above $109,000 in income for a single filer in 2026.

We can't quote a specific plan's deductible, copays or drug list here. Those live in each plan's Summary of Benefits and formulary, and on Medicare's Plan Finder.

Dates to keep in mind

• October 15 – December 7: Annual Enrollment Period. Anyone with Medicare can join, switch or drop an Advantage or Part D plan.
• January 1 – March 31: Medicare Advantage Open Enrollment. If you're already in an Advantage plan, you can switch to another one or go back to Original Medicare (and add a Part D plan).

Special Enrollment Periods may also apply if you move, lose other coverage or qualify for Medicaid.

How to compare the plans on this list

Because we can't publish plan-by-plan costs or benefits, the fastest way to compare is to use Medicare's own tools:

• medicare.gov/plan-compare lets you enter your ZIP code and your prescriptions and see every plan's premium, deductible, drug costs and Star Ratings side by side.
• 1-800-MEDICARE (TTY 1-877-486-2048) is open 24/7 for personal questions.
• Tennessee SHIP (State Health Insurance Assistance Program), reachable at 1-877-801-0044, offers free one-on-one Medicare counseling for Tennessee residents.

Star Ratings, which CMS updates every fall, are a quality score from 1 to 5. They can help you compare, but they aren't a recommendation, and a plan's rating can change year to year.