Medicare Advantage
2 New Medicare Advantage Plans in Vermont for 2027: The List
MONTPELIER, Vt. — Vermonters comparing Medicare Advantage coverage for the plan year ahead will see a short list of newcomers. According to the CMS Medicare Advantage Landscape Source Files for 2026 and 2027, two of the five Medicare Advantage plans offered statewide in Vermont for 2027 are new, meaning they are available for 2027 but were not offered for 2026. Both come from the same carrier, and both are offered in a handful of counties rather than everywhere in the state.
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Key takeaways
- Two of the five Medicare Advantage plans offered in Vermont for 2027 are new for 2027, and both come from Humana.
- Each of the two new plans is offered in 4 Vermont counties, so availability depends on where you live.
- A new plan has no Star Rating yet because CMS Star Ratings are based on prior performance data.
- Annual Enrollment 2027 runs October 15 through December 7, 2026, and a choice made in that window takes effect January 1, 2027.
| Fact | Figure | Source |
|---|---|---|
| Part B standard monthly premium (2026) | $202.90 | Medicare.gov |
| Part D out-of-pocket cap (2026) | $2,100 | CMS |
| Part D out-of-pocket cap (2027) | $2,400 | CMS |
| Annual Enrollment Period (for 2027 coverage) | October 15 – December 7, 2026 | Medicare.gov |
| Medicare Advantage Open Enrollment Period | January 1 – March 31 | Medicare.gov |
Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.
This explainer walks through what is new, what "new" actually means on paper, and how to confirm whether a new plan is offered where you live before the Annual Enrollment 2027 window closes on December 7, 2026.
How many Medicare Advantage plans are new in Vermont for 2027?
Two of the five Medicare Advantage plans offered in Vermont for 2027 are new for 2027, meaning they were not offered to Vermonters for 2026. Both come from one carrier: Humana. The other three plans on the statewide 2027 list were already available for 2026 and are returning.
That mix is useful context when you open the Medicare Plan Finder at medicare.gov and see unfamiliar names. In Vermont for 2027, "unfamiliar" and "new" line up with a specific, short list from a single carrier, not a wave of entries from multiple companies.
Which new Medicare Advantage plans in Vermont for 2027 have the widest county reach?
The two new Vermont plans for 2027 are HumanaChoice H5216-473 (PPO) and HumanaChoice H5216-474 (PPO), each offered in 4 Vermont counties. Both are PPO plans with drug coverage included, according to the CMS Landscape file.
Because Medicare Advantage is sold county by county, "offered in 4 counties" means a plan with the same name may not appear on the Plan Finder for a neighbor one town over. The full plan-by-plan table on this page shows the specific counties for each of the two new plans; use that table, not word of mouth, to see whether either one reaches your address.
What does it mean that a Medicare Advantage plan is "new" in Vermont for 2027?
"New for 2027" means the plan contract and plan ID appear on the CMS Landscape file for 2027 but did not appear on the 2026 file for Vermont. One practical consequence: a brand-new plan does not have a CMS Star Rating of its own yet, because Star Ratings are built from prior-year quality and member-experience data. That is a factual gap, not a judgment about the plan.
It also means there is no local track record to ask neighbors about. If you are considering HumanaChoice H5216-473 (PPO) or HumanaChoice H5216-474 (PPO) for 2027, the authoritative details — what it costs, what it covers, which providers are in network, which drugs are on the formulary — come from the plan's own Summary of Benefits and Evidence of Coverage, from medicare.gov's Plan Finder, or from 1-800-MEDICARE.
How do I check whether a new 2027 plan is offered in my Vermont county and covers my doctors and drugs?
Start at medicare.gov, enter your ZIP code, and look for the plan by name — HumanaChoice H5216-473 (PPO) or HumanaChoice H5216-474 (PPO). If the plan is offered in your county for 2027, it will appear in your personalized results; if it does not appear, it is not available at your address.
From there, three checks matter most:
- Doctors and hospitals: use the plan's provider directory to confirm your primary care clinician, any specialists you see, and your preferred hospital are in network for 2027. PPO plans typically allow out-of-network care at a different cost share, which the Evidence of Coverage spells out.
- Prescriptions: enter each medication, dose and pharmacy into Plan Finder so you see how the 2027 formulary treats your specific list.
- Extra needs: if you use dialysis, home oxygen, or regular physical therapy, confirm those are addressed in the plan's 2027 benefit documents.
If any answer is unclear, call 1-800-MEDICARE (TTY 1-877-486-2048), available 24 hours a day, 7 days a week.
What should Vermonters do before December 7, 2026?
Annual Enrollment 2027 runs October 15 through December 7, 2026, and any election made in that window takes effect January 1, 2027. The date is a deadline, not a countdown — you have the full window to compare.
A simple sequence works for most people:
1. Pull together your current card (Original Medicare or Medicare Advantage), your drug list with doses, and your list of providers. 2. On medicare.gov, run Plan Finder for your ZIP code and compare the plans available for 2027, including the two new HumanaChoice PPO plans if they appear in your county. 3. Read the Summary of Benefits for any plan you are seriously considering. 4. If you want to switch, enroll by December 7, 2026. If you want to stay in your current plan and it is still offered, you do not need to do anything.
If your current plan is not being offered for 2027, your Annual Notice of Change or a separate non-renewal letter from the carrier will say so, and you may qualify for a Special Enrollment Period in addition to Annual Enrollment.
Where can Vermonters get free help comparing 2027 Medicare Advantage plans?
Two no-cost, non-sales resources are available to every Vermonter with Medicare. Medicare.gov hosts the official Plan Finder, the Star Ratings for plans that have them, and plain-language explanations of enrollment periods. 1-800-MEDICARE (TTY 1-877-486-2048) answers questions 24 hours a day, 7 days a week, and can walk through plan options for your ZIP code.
Both are federal resources and do not sell insurance.
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.
New for 2027
Medicare Advantage plans new across Vermont for 2027
CMS lists 2 Medicare Advantage plans across Vermont for 2027 that were not offered for 2026, alphabetically by carrier.
| Plan | Type | Drug coverage | Counties |
|---|---|---|---|
| Humana 2 plans | |||
| HumanaChoice H5216-473 (PPO) | PPO | Yes | 4 |
| HumanaChoice H5216-474 (PPO) | PPO | Yes | 4 |
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plans are offered county by county; a plan listed for the state may not be offered in your county. 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 across Vermont for 2027
- Humana 5 plans: PPO
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. Plans are offered county by county; a plan listed for the state may not be offered in your county. 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.
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Good to know
Frequently asked questions
How many Medicare Advantage plans are new in Vermont for 2027?
Are the new 2027 plans available in every Vermont county?
Why don't the new plans have a Star Rating?
When do I need to decide by for 2027 coverage?
Watch
The Medicare Advantage changes for 2027 in every state, in 30 seconds
- 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.
Sources and methodology
- Medicare.gov, Medicare costs (Part B premium)
- CMS, Medicare prescription drug coverage (Part D) program rules
- CMS, Medicare Advantage and Part D plan-year announcements
- Medicare.gov, enrollment periods and plan rules
- CMS, Medicare Advantage and Part D Landscape Source Files
Figures cited in this article
- CMS — Medicare Advantage Landscape Source File: Vermont plan-level availability by county for 2027.
- CMS — Medicare Advantage Landscape Source Files, 2026 and 2027: year-over-year comparison used to identify plans new for 2027.
- Medicare.gov (CMS) — Medicare enrollment periods: the Annual Enrollment Period dates of October 15 through December 7, 2026, with coverage effective January 1, 2027.
How we put this together: area counts come from the CMS files listed above for the county that contains this city, program figures come from CMS, Medicare.gov and the Social Security Administration, and no plan is ranked or recommended.
By The Medicare Desk · Published . For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
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This page was last updated: October 2026.