Medicare Advantage

Compare 5 Vermont Medicare Advantage Plans for 2027 From 1 Carriers

MONTPELIER — Vermonters who want to review their Medicare coverage for 2027 can start comparing now and finish before the Annual Enrollment 2027 window closes on December 7, 2026. The federal Centers for Medicare & Medicaid Services (CMS) has published the 2027 Medicare Advantage Landscape files, and the statewide picture for Vermont is a short one: a single carrier is offering a handful of plans across the state, with availability varying county by county.

This explainer walks through what the CMS files show for Vermont for 2027, how to translate that into a county-level comparison, and where to get free, unbiased help before the December 7 deadline.

How many Medicare Advantage plans are offered in Vermont for 2027?

Vermont has 5 Medicare Advantage plans listed statewide for 2027, offered by 1 carrier. Of those, 2 are new for 2027 and 0 are not returning from 2026.

Each plan on the statewide list is sold county by county, so the number available in Addison, Chittenden, Rutland, Caledonia, Windsor or any other Vermont county may be smaller than the statewide count of 5. The CMS Landscape file identifies which plans are offered in which county, and the Medicare Plan Finder lets you confirm availability by ZIP code. The full statewide list of plans and carriers appears in the tables on this page; the numbers in this article come from that same data.

What types of Medicare Advantage plans are available in Vermont for 2027, and are there any Special Needs Plans?

All 5 Vermont Medicare Advantage plans listed for 2027 are PPOs, and 4 of the 5 include Part D prescription drug coverage. There are 0 Special Needs Plans of any kind — 0 D-SNP (dual-eligible), 0 C-SNP (chronic condition) and 0 I-SNP (institutional) — on the statewide 2027 list.

A PPO (Preferred Provider Organization) generally lets you see providers in and out of the plan's network, with different cost-sharing for each. One of the five plans is a Medicare Advantage-only (MA-only) option without drug coverage; if you choose that type of plan, you would need to think separately about how you cover prescriptions. The Evidence of Coverage for each plan is the document that spells out the rules.

Which carriers offer Medicare Advantage plans in Vermont for 2027?

One carrier, Humana, is listed on the 2027 Vermont Medicare Advantage Landscape, with 5 PPO plans across the state. The carrier table on this page shows the plan count.

Because only one carrier appears in the 2027 statewide file, Vermonters comparing Medicare Advantage will be comparing plans within that carrier's lineup, and comparing Medicare Advantage against Original Medicare (with or without a standalone Part D drug plan and, if desired, a Medicare Supplement policy). Standalone Part D plans and Medicare Supplement options are listed separately on medicare.gov.

How do I compare the Medicare Advantage plans in my Vermont county for 2027?

To compare the plans available in your Vermont county for 2027, work through the same checklist on each plan, using the Medicare Plan Finder at medicare.gov as your source for the specifics. The statewide count tells you what exists; the Plan Finder tells you what is offered at your address.

A step-by-step approach:

1. Enter your ZIP code at medicare.gov to see only the plans offered in your county for 2027. 2. Doctors and specialists: check each plan's provider directory to confirm your primary care doctor and any specialists are in-network for 2027. 3. Hospitals: confirm the Vermont hospital or health system you prefer — for example, UVM Medical Center, Rutland Regional, Southwestern Vermont or a Dartmouth Health facility across the river — is in the plan's network. 4. Prescriptions: enter every medication you take into the Plan Finder to see how each plan covers it under its 2027 formulary. 5. Pharmacies: check that your pharmacy (local independent, chain or mail order) is a preferred or standard network pharmacy for the plan. 6. Annual Notice of Change (ANOC): if you are already in a Medicare Advantage plan, read the ANOC your plan mailed in September for changes taking effect January 1, 2027. 7. Compare across plans using the same categories, not just one feature.

What should Vermonters do before December 7, 2026?

Before December 7, 2026, Vermonters should decide whether to keep their current coverage or switch for 2027, and submit any change through medicare.gov, by calling 1-800-MEDICARE, or directly with the plan. December 7 is the last day of the Annual Enrollment Period for 2027 coverage; the new plan starts January 1, 2027.

A practical sequence:

• Read your ANOC and current Evidence of Coverage.
• List your doctors, hospitals, medications and pharmacies.
• Run the Plan Finder for your ZIP code and compare the plans offered in your county.
• If you decide to change plans, enroll before December 7, 2026.
• If your current plan still fits, you do not have to do anything; most plans renew automatically.

If you miss December 7, there is a separate Medicare Advantage Open Enrollment Period from January 1 through March 31, 2027, with narrower rules about what changes you can make.

Where can Vermonters get free help comparing 2027 Medicare Advantage plans?

Vermonters can get free, unbiased Medicare help by calling 1-800-MEDICARE (1-800-633-4227), available 24 hours a day, seven days a week, including TTY service at 1-877-486-2048. The medicare.gov website offers the same Plan Finder tool federal counselors use.

The Social Security Administration (ssa.gov or 1-800-772-1213) handles Medicare enrollment questions tied to Social Security, including Part B signup and Extra Help with drug costs. For plan-specific questions — how a benefit works, whether a provider is in-network, what a drug will cost — the plan's own member services line, listed in its Evidence of Coverage, is the authoritative source.