Medicare Advantage

Williamsburg Medicare 2027: Local Plan Lineup

Williamsburg, Va. — If you are shopping for Medicare coverage in Williamsburg this fall, you have a lot to look at. For 2026, Williamsburg City had 59 Medicare Advantage plans available, offered by 5 different carriers; the 2027 lineup is described in each plan's Annual Notice of Change and on the Plan Finder at Medicare.gov. Knowing how the choices are counted can make the decision feel less overwhelming.

This snapshot focuses on the numbers, not the benefits of any single plan. Think of it as a lay-of-the-land guide before you dig into the details on Medicare.gov or with a trusted counselor.

How many Medicare options are on the table in Williamsburg

Medicare plan availability is set at the county level. Williamsburg is in Williamsburg City, and for 2026 the county had:

• 59 Medicare Advantage plans available
• 5 carriers offering Medicare Advantage with drug coverage (MA-PD)
• 0 stand-alone Part D prescription drug plans listed as available

With about 2,764 residents age 65 and older in Williamsburg City, that works out to a wide range of choices per person compared to many rural counties. More options can be a good thing — but it also means it pays to slow down and compare carefully.

What the "0 stand-alone Part D plans" number means

This one surprises people, so it is worth explaining. A stand-alone Part D plan is a drug-only plan you add to Original Medicare (Parts A and B). If the local count shows 0, drug coverage in Williamsburg City will typically come bundled inside a Medicare Advantage plan (called MA-PD).

If you want to keep Original Medicare and add a separate drug plan, call 1-800-MEDICARE or check Medicare.gov to confirm what is currently offered to your ZIP code — availability can shift, and the Plan Finder tool always shows the most current list.

What is new for Part D in 2027

Even though this article is about counts, a few program-level rules affect every drug plan:

• The Part D out-of-pocket cap is $2,100 in 2026 and $2,400 in 2027. Once your covered drug costs reach that amount, you pay nothing more for covered drugs the rest of that year.
• The Part D maximum deductible is $615 in 2026 ($700 in 2027).
• The old "donut hole" coverage gap was eliminated in 2025. Part D now has three phases instead of four.
• The Medicare Prescription Payment Plan lets you spread your drug costs across the year in monthly payments instead of paying a large amount at the pharmacy counter. It is optional.
• IRMAA (the income-related surcharge on Part B and Part D) starts above $109,000 in income for a single filer in 2026.

About star ratings in the area

CMS publishes Star Ratings (1 to 5) each year to help members compare quality and service across contracts. In Williamsburg City for 2026, 0 contracts were rated 4 stars or higher. That is one data point among many — ratings can move year to year, and a contract's rating is not the same as whether a specific plan is a good fit for your doctors, drugs, and budget. Use ratings as background information, not as a shortcut.

Key dates to circle

• Oct. 15 – Dec. 7: Medicare Annual Enrollment Period. You can join, switch, or drop a Medicare Advantage or Part D plan. Changes take effect Jan. 1.
• Jan. 1 – March 31: Medicare Advantage Open Enrollment Period. If you are already in a Medicare Advantage plan, you can switch to another one or return to Original Medicare (and add a Part D plan if one is available to you).

How to compare without getting overwhelmed

With 59 Medicare Advantage plans on the shelf, it helps to filter before you compare:

1. Make a list of your doctors, hospitals, and pharmacies. 2. Make a list of your prescriptions, including doses. 3. Decide how you want drug coverage delivered — bundled inside a Medicare Advantage plan, or (if available) added separately to Original Medicare. 4. Use the Plan Finder at Medicare.gov to narrow the list to plans that cover your drugs and include your providers.

That usually cuts the list from dozens down to a handful you can look at side by side.

Where to get free, unbiased help

• Medicare.gov — the official Plan Finder and enrollment site.
• 1-800-MEDICARE (1-800-633-4227) — 24/7 help from Medicare.
• Virginia Insurance Counseling and Assistance Program (VICAP) — the state's SHIP program offers free, one-on-one Medicare counseling. Counselors do not sell plans.