Medicare Advantage

Tacoma's 2027 Medicare Advantage roster: 13 carriers, 53 plans, sorted by company

For 2027, Tacoma is looking at 66 Medicare Advantage plans: 19 new, 26 gone since 2026, and 38 still here but changed on premium, deductible, plan type or name, 13 of them under a new name. Below, how the lineup shifted in Pierce County and what to compare, with no plan ranked or recommended.

Medicare AdvantageTacoma, WA

TACOMA, Wash. — If you live in Tacoma and you're sorting through Medicare Advantage options for 2027, here is the plain picture: 13 insurance carriers are offering a combined 53 Medicare Advantage plans in Pierce County next year, and every one of them includes prescription drug coverage. The table below lists every plan by carrier, along with its plan type and drug-coverage status, using the county-level availability published by the Centers for Medicare & Medicaid Services (CMS).

Tacoma is in Pierce County, and Medicare Advantage availability is set at the county level. That means the same 73-plan menu applies whether you live near Point Defiance, in the North End, out toward Parkland, or anywhere else inside county lines.

How the 2027 Tacoma lineup breaks down

The 73 plans in Pierce County sort into three plan types:

• HMO (Health Maintenance Organization): 26 plans
• HMO-POS (HMO with a Point-of-Service option): 15 plans
• PPO (Preferred Provider Organization): 32 plans

Of those 73 plans, 33 are Special Needs Plans. SNPs are limited to people who meet specific criteria — for example, being enrolled in both Medicare and Medicaid (a D-SNP), living in a qualifying institution (I-SNP), or having a qualifying chronic condition such as diabetes or heart disease (C-SNP). If you don't fit the eligibility rules, you can't join an SNP even if it's listed for the county.

Every plan in the 2027 roster includes Part D prescription drug coverage. That's why CMS shows 0 stand-alone Part D plans available in Pierce County — the drug benefit is built into the Advantage plans already.

Who is offering plans in Pierce County

Below is the carrier-by-carrier count for 2027, in alphabetical order. The full plan-by-plan table follows on this page.

• Aetna (CVS Health): 5 plans (HMO, PPO)
• AgeRight Advantage: 2 plans (HMO; 2 Special Needs)
• Centene (WellCare): 8 plans (HMO-POS, PPO; 5 Special Needs)
• Community Health Plan of WA Medicare Advantage: 2 plans (HMO; 2 Special Needs)
• Devoted Health: 4 plans (PPO; 2 Special Needs)
• Elevance Health (Anthem): 2 plans (HMO; 2 Special Needs)
• Humana: 19 plans (HMO, PPO; 7 Special Needs)
• Kaiser Permanente: 4 plans (HMO)
• Molina Healthcare of Washington, Inc.: 2 plans (HMO; 2 Special Needs)
• Regence BlueShield: 2 plans (PPO)
• SCAN Health Plan: 2 plans (HMO)
• UnitedHealthcare: 21 plans (HMO-POS, PPO; 11 Special Needs)

UnitedHealthcare and Humana carry the largest counts on paper, but a bigger menu doesn't automatically make a plan a better fit for you. What matters is whether your doctors are in the network, whether your prescriptions are on the formulary, and what the plan actually charges. Those specifics live on the Medicare Plan Finder and in each plan's own documents — not in a carrier's plan count.

Understanding the plan-type labels

If the initials in the table look like alphabet soup, here's a quick guide:

• HMO: You generally use a set network of doctors and hospitals, and referrals are often required to see a specialist.
• HMO-POS: Like an HMO, but with a "point-of-service" option that lets you go outside the network for certain services (usually at a higher cost).
• PPO: You can see providers in or out of network, though in-network care almost always costs less.
• D-SNP: For people with both Medicare and Medicaid.
• C-SNP: For people with a qualifying chronic condition.
• I-SNP: For people living in a long-term care setting or needing a similar level of care at home.

You'll see all of these labels in the table — for example, several of Wellcare's plans are HMO-POS D-SNPs, most of Devoted Health's are PPOs (with two PPO C-SNPs), and Kaiser Permanente's four plans are all HMOs.

The 2027 rules that apply no matter which plan you pick

A few program-level facts hold true across every Medicare Advantage plan sold in Tacoma:

• The Part D out-of-pocket cap is $2,100 in 2026 and $2,400 in 2027. Once your covered drug spending hits that ceiling, you pay nothing for covered drugs the rest of the year.
• The maximum Part D deductible is $615 in 2026 and $700 in 2027. Individual plans may set a lower deductible, but none can go higher.
• The coverage gap ("donut hole") is gone as of 2025. Part D now has three phases instead of four.
• The Medicare Prescription Payment Plan is optional. It lets you spread your Part D out-of-pocket costs across monthly payments during the year instead of paying at the pharmacy counter.
• IRMAA — the income-related surcharge on Part B and Part D — starts above $109,000 in income for a single filer in 2026.

Key dates for Tacoma enrollees

• Oct. 15 – Dec. 7: Annual Enrollment Period. You can join, switch, or drop a Medicare Advantage or Part D plan. Coverage begins Jan. 1.
• Jan. 1 – March 31: Medicare Advantage Open Enrollment Period. If you're already in a Medicare Advantage plan on Jan. 1, you get one chance to switch to a different Advantage plan or drop back to Original Medicare.

Special Enrollment Periods can also apply — for example, if you move, lose other coverage, or become eligible for Medicaid.