Medicare Advantage
Comparing Everett-Area Medicare Choices Before Dec. 7
Comparing Everett-Area Medicare Choices Before Dec. 7 — plain-language Medicare information for Everett, Washington.
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Key takeaways
- Everett is in Snohomish County, where 71 Medicare Advantage plans and 10 MA-PD carriers were available for 2026; the 2027 lineup is in each plan's ANOC and on Medicare.gov's Plan Finder.
- Because Medicare plan lineups are set county by county, a move — even across a county line — can change which plans you're eligible for.
- The Annual Enrollment Period runs October 15 through December 7, and Medicare Advantage Open Enrollment follows January 1 through March 31.
- The Part D out-of-pocket cap is $2,100 in 2026 and $2,400 in 2027, and the Part D maximum deductible is $615 in 2026 and $700 in 2027. The old coverage gap is gone.
EVERETT, Wash. — If you live in Everett and you're weighing your Medicare choices for 2027, it helps to know what's on the table not just in your own county but in the counties next door. Plan availability is set at the county level, so a friend in a neighboring county may see a different lineup than you do — even if you shop on the same day.
This guide walks through what "plan availability" means around the Everett metro, how to compare county-by-county without getting overwhelmed, and where to get answers you can trust before the Annual Enrollment Period closes on December 7.
Why plan counts differ from one county to the next
Medicare Advantage and Part D plans are approved and sold by service area, and most service areas are drawn by county. That's why the number of plans available in Snohomish County isn't the same as the number available in King, Skagit, or Island County.
Everett is in Snohomish County, where 71 Medicare Advantage plans were available for 2026, offered by 10 carriers with drug coverage built in. There were no stand-alone Part D plans listed in the county's 2026 landscape data — most local drug coverage runs through Medicare Advantage plans that include Part D (called MA-PD plans). The 2027 lineup is detailed in each plan's ANOC and on Medicare.gov's Plan Finder.
For context, Snohomish County has about 124,763 residents age 65 or older, so the plan market here is large by design.
What "nearby" really means for your options
If you're thinking about moving, spending part of the year with family, or you already split time between homes, the county line matters. Two things to remember:
- Medicare Advantage and MA-PD plans have local networks and service areas. Crossing a county line can change which plans you qualify for and which doctors are in network.
- Original Medicare (Part A and Part B) works the same everywhere in the country. A stand-alone Part D or Medigap policy can also travel with you, though the rules differ.
So when you compare "nearby areas," you're really comparing county menus — not city menus. Everett shoppers should start with Snohomish County's list.
How to decide without getting lost in the numbers
Seventy-one plans is a lot to sort through. A few filters usually cut the list down fast:
1. Your prescriptions. Enter every drug you take into Medicare's Plan Finder. Formularies vary a lot. 2. Your doctors and hospitals. Check each plan's provider directory before you enroll — networks change every year. 3. How you like to get care. HMO, PPO, and other plan types handle referrals and out-of-network care differently. 4. The total picture. Look past the premium at deductibles, copays, and the annual out-of-pocket maximum.
Star Ratings, published by CMS, can also give you a sense of member experience and plan performance. They're one input, not the whole story.
Program rules that apply no matter which county you're in
A few program-level facts hold true across Snohomish County and every neighboring county:
- Part D out-of-pocket cap: $2,100 in 2026 and $2,400 in 2027. Once you hit it, you pay nothing for covered drugs the rest of the year.
- Part D maximum deductible: $615 in 2026 and $700 in 2027.
- No more donut hole. Since 2025, Part D has three phases instead of four.
- Medicare Prescription Payment Plan. You can choose to spread your drug costs across monthly payments instead of paying at the pharmacy counter.
- IRMAA. Higher-income beneficiaries pay an income-related surcharge on Part B and Part D premiums, starting above $109,000 for a single filer in 2026.
Key dates to circle
- October 15 – December 7: Annual Enrollment Period. Switch, join, or drop a Medicare Advantage or Part D plan.
- January 1 – March 31: Medicare Advantage Open Enrollment. If you're already in an MA plan, you can make one change.
- Special Enrollment Periods: Available if you move, lose other coverage, or qualify for Extra Help, among other reasons.
Where to get trustworthy help
- Medicare.gov Plan Finder — the official tool for comparing plans available in your ZIP code and county.
- 1-800-MEDICARE (1-800-633-4227) — available 24/7.
- Washington SHIBA (Statewide Health Insurance Benefits Advisors) — Washington's SHIP program offers free, unbiased Medicare counseling.
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.
By the numbers
How people get Medicare in Snohomish County
(MA penetration in Snohomish 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.
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.
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The parts of Medicare
Good to know
Frequently asked questions
How many Medicare Advantage plans were available in the Everett area for 2026?
Can I use a plan from a neighboring county if I live in Everett?
What if I only need drug coverage and not a full Medicare Advantage plan?
When can I make a change if I miss December 7?
- CMS — MA/Part D Landscape & Plan Finder data
For personalized answers, contact Medicare.gov, 1-800-MEDICARE, or your local SHIP.
Also for Everett
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This page was last updated: September 30, 2026.