Medicare Advantage

The full 2027 Medicare Advantage lineup in Vancouver, sorted by carrier

People in Vancouver can choose from 57 Medicare Advantage plans for 2027, against 76 this year. 30 of this year’s plans are gone, 11 are new to Clark County, and 37 that continue have changed their premium, deductible, plan type or name, 13 of them under a new name.

Medicare AdvantageVancouver, WA

Vancouver, Wash. — If you are shopping for a Medicare Advantage plan in Vancouver this fall, here is the complete picture for 2027: which insurers are selling plans in your area, what type of plan each one is (HMO, HMO-POS, or PPO), and whether it includes prescription drug coverage.

Vancouver sits in Clark County, and Medicare Advantage availability is set at the county level by the Centers for Medicare & Medicaid Services (CMS). For plan year 2027, Clark County residents can choose from 44 Medicare Advantage plans offered by 9 different carriers. Every one of those plans includes Part D prescription drug coverage. The table below lists every plan by carrier, in alphabetical order, with its plan type and drug-coverage status.

What the 2027 Vancouver lineup looks like

Twelve carriers are offering Medicare Advantage plans in Clark County for 2026. Listed in alphabetical order, they are:

• AgeRight Advantage — 2 plans (HMO; both Special Needs Plans)
• Blue Cross Blue Shield (HCSC) — 2 plans (HMO, PPO)
• Centene (WellCare) — 10 plans (HMO-POS, PPO; 5 SNPs)
• Community Health Plan of WA Medicare Advantage — 2 plans (HMO; both SNPs)
• Devoted Health — 4 plans (PPO; 2 SNPs)
• Elevance Health (Anthem) — 2 plans (HMO; both SNPs)
• Humana — 21 plans (HMO, PPO; 7 SNPs)
• Kaiser Permanente — 3 plans (HMO-POS)
• Molina Healthcare of Washington, Inc. — 2 plans (HMO; both SNPs)
• Providence Medicare Advantage Plans — 4 plans (HMO, HMO-POS)
• Regence BlueCross BlueShield of Oregon — 4 plans (PPO)
• UnitedHealthcare — 20 plans (HMO-POS, PPO; 9 SNPs)

The specific plan names — for example, the Kaiser Permanente Senior Advantage plans, Providence Medicare Extra + Rx, Regence MedAdvantage + Rx Classic, or AARP Medicare Advantage plans from UnitedHealthcare — are all shown in the table below along with each plan's type and drug coverage note.

HMO, HMO-POS, or PPO: what those letters mean

The plan type controls how you use the network. In Clark County for 2026, the mix is 24 HMO plans, 18 HMO-POS plans, and 34 PPO plans.

• HMO (Health Maintenance Organization): You generally must use in-network doctors and hospitals, and you may need a referral to see a specialist.
• HMO-POS (Point of Service): Similar to an HMO, but with a limited option to see some out-of-network providers, usually at a higher cost.
• PPO (Preferred Provider Organization): You can see out-of-network providers, though staying in network usually costs less.

Whether a specific plan fits your doctors, your medications, and your travel patterns is something to check on the Medicare Plan Finder at medicare.gov, or by calling the plan directly.

Special Needs Plans (SNPs) in the mix

Of the 76 plans available in Clark County, 31 are Special Needs Plans. SNPs are Medicare Advantage plans designed for people who meet specific criteria — for example:

• D-SNPs for people who have both Medicare and Medicaid (called "dual eligibles").
• C-SNPs for people with certain chronic conditions such as diabetes or heart disease.
• I-SNPs for people who live in an institution such as a nursing home, or who need that level of care at home.

You can only enroll in an SNP if you qualify. If you do qualify, the table shows which plans in Vancouver fall into each SNP category.

Prescription drug coverage

Every Medicare Advantage plan on the Clark County list for 2027 includes Part D drug coverage. That's worth noting because Clark County has zero stand-alone Part D plans listed — if you want a Medicare Advantage plan and drug coverage together, you'll find them bundled in the plans below.

A few program-level facts apply no matter which plan you choose:

• The Part D out-of-pocket cap is $2,100 in 2026. Once your drug spending hits that amount, you pay $0 for covered drugs the rest of the year.
• The Part D maximum deductible is $615 in 2026 (some plans set theirs lower).
• The old "donut hole" coverage gap was eliminated as of 2025. Part D now has three phases: deductible, initial coverage, and catastrophic.
• The optional Medicare Prescription Payment Plan lets you spread your out-of-pocket drug costs across the year in monthly installments instead of paying them all at the pharmacy.
• Higher-income enrollees may pay an IRMAA surcharge on Part B and Part D; for 2026, IRMAA begins above $109,000 for a single filer.

Dates to keep on your calendar

• 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. If you're already in a Medicare Advantage plan on Jan. 1, you can switch to a different MA plan once, or drop it and go back to Original Medicare (and add a Part D plan) during this window.

How to check the details on any plan in the table

This article — and CMS's own landscape file — tells you what's available. It does not tell you what a specific plan will cost you, which doctors are in its network, or how it covers a specific drug. For those answers, use:

• Medicare.gov Plan Finder (medicare.gov/plan-compare) — enter your ZIP code and your prescriptions.
• 1-800-MEDICARE (TTY 1-877-486-2048), 24/7.
• Washington SHIBA (Statewide Health Insurance Benefits Advisors), the state's SHIP program, for free one-on-one counseling: 1-800-562-6900.
• The plan's own "Summary of Benefits" and "Evidence of Coverage" documents, available from the carrier.