Medicare Advantage
Compare 70 West Virginia Medicare Advantage Plans for 2027 From 9 Carriers
CHARLESTON, W.Va. — West Virginians who use Medicare have a defined window to look at their 2027 coverage. According to the Centers for Medicare & Medicaid Services (CMS) Landscape Source Files for 2026 and 2027, 70 Medicare Advantage plans from 9 carriers are offered somewhere in the state for 2027. Which of those plans actually appears on the shelf depends on the county. The Annual Enrollment Period runs October 15 through December 7, 2026, and any choice made during Annual Enrollment 2027 takes effect January 1, 2027.
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Key takeaways
- West Virginia has 70 Medicare Advantage plans available statewide for 2027 from 9 carriers, with 12 plans new for 2027 and 11 not returning.
- Of the 70 plans, 62 include drug coverage and 19 are Special Needs Plans (15 D-SNP, 1 C-SNP, 3 I-SNP).
- Annual Enrollment 2027 runs October 15 through December 7, 2026, and your choice takes effect January 1, 2027.
- Plan availability is county by county, so use the Medicare Plan Finder at medicare.gov or call 1-800-MEDICARE to see what is offered where you live.
| 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 the statewide counts, the mix of plan types, the carriers participating, and a step-by-step way to compare the plans available in your own county using the Medicare Plan Finder.
How many Medicare Advantage plans are offered in West Virginia for 2027?
West Virginia has 70 Medicare Advantage plans available statewide for 2027, offered by 9 carriers, per the CMS MA Landscape Source File. Of those 70 plans, 62 include prescription drug coverage. Twelve plans are new for 2027, and 11 plans that were offered in 2026 are not returning for 2027.
The 70 figure counts each plan once statewide. A plan on the statewide list may not be sold in your county, and no single county has all 70 to pick from. That is why the comparison that matters is the one you run for your own ZIP code.
What types of Medicare Advantage plans are available in West Virginia for 2027?
Across West Virginia for 2027, the 70 plans break down as 15 HMO, 9 HMO-POS, 45 PPO, and 1 PFFS, according to the CMS Landscape file. PPOs make up the largest share of the statewide list, but which type is actually offered in a given county varies.
Special Needs Plans account for 19 of the 70: 15 Dual Eligible SNPs (D-SNP) for people who have both Medicare and Medicaid, 1 Chronic Condition SNP (C-SNP) for people with a qualifying condition, and 3 Institutional SNPs (I-SNP) for people who live in a qualifying facility or need that level of care. SNPs have eligibility rules, so not every reader will qualify.
Which carriers offer Medicare Advantage plans in West Virginia for 2027?
Nine carriers offer Medicare Advantage plans in West Virginia for 2027. In alphabetical order with statewide plan counts from the CMS Landscape file: Aetna (CVS Health) with 14 plans, Communicare Advantage with 1, Elevance Health (Anthem) with 3, Highmark Blue Cross Blue Shield with 10, Humana with 18, Peak Health with 7, The Health Plan with 5, UnitedHealthcare with 11, and West Virginia Senior Advantage with 1.
Several of those carriers also offer D-SNPs: Aetna (3), Elevance Health (2), Highmark (1), Humana (4), Peak Health (1), The Health Plan (1), and UnitedHealthcare (3). The full plan list for your county is on this page as a table; the names above are the carriers whose plans you will see cross-referenced there.
How do I compare the Medicare Advantage plans in my West Virginia county for 2027?
The practical way to compare 2027 plans in your West Virginia county is to go to the Medicare Plan Finder at medicare.gov, enter your ZIP code, and work through the list the tool returns. Here is a step-by-step order that keeps the comparison grounded in what you actually use:
1. Doctors. Make a list of the providers you want to keep — primary care, specialists, behavioral health. Check each plan's provider directory to confirm they are in-network for 2027. 2. Hospitals. Check that the hospital system you prefer (for example, your closest WVU Medicine, Mon Health, CAMC, or Marshall Health affiliate) is in-network under the 2027 plan. 3. Prescriptions. Enter every drug, dose, and quantity into Plan Finder. The tool will show how each plan's formulary treats your medications. 4. Pharmacies. Add the pharmacies you actually use. Pharmacy network status can change year to year. 5. Annual Notice of Change (ANOC). If you are already enrolled in a plan, read the ANOC your carrier mailed in September. It spells out what is changing for 2027 in the plan you have now. 6. Side-by-side. Use Plan Finder's compare feature to put two or three plans next to each other before you decide.
Checking the plan's own Evidence of Coverage and current provider and pharmacy directories is the final step; those are the controlling documents.
What should I do before December 7, 2026, for West Virginia Medicare Advantage coverage?
Before December 7, 2026, confirm that the 2027 version of your plan — or any plan you are considering — still covers your doctors, hospitals, drugs, and pharmacies. That is the deadline for Annual Enrollment 2027, and a choice made inside the window takes effect January 1, 2027.
If you do nothing and your current plan is being offered again for 2027, you generally stay enrolled under the new 2027 terms described in your ANOC. If your plan is among the 11 not returning for 2027, your carrier will send a non-renewal notice explaining your options and special enrollment rights. Reading those letters when they arrive is the single most useful thing a current enrollee can do.
Where can West Virginians get free help comparing 2027 Medicare Advantage plans?
West Virginians can get free help directly from Medicare at 1-800-MEDICARE (1-800-633-4227), which is available 24 hours a day, 7 days a week, including TTY service at 1-877-486-2048. The Medicare Plan Finder at medicare.gov is the official tool for comparing the 2027 plans in your ZIP code and is free to use.
You can also call the plan's member services line, listed on the plan's materials, to ask directly about network, formulary, and coverage questions for 2027.
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.
The 2027 choices, by type
HMO, PPO and Special Needs Plans across West Virginia for 2027
- Aetna (CVS Health) 14 plans: HMO, PPO
- Communicare Advantage 1 plan: HMO
- Elevance Health (Anthem) 3 plans: HMO, HMO-POS
- Highmark Blue Cross Blue Shield 10 plans: HMO, PPO
- Humana 18 plans: HMO-POS, PFFS, PPO
- Peak Health 7 plans: PPO
- The Health Plan 5 plans: HMO, PPO
- UnitedHealthcare 11 plans: HMO-POS, PPO
- West Virginia Senior Advantage 1 plan: HMO
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.
2027 plan lineup
Medicare Advantage plans in West Virginia for 2027
CMS lists 70 Medicare Advantage plans across West Virginia for 2027 from 9 carriers, alphabetically by carrier, widest county reach first.
| Plan | Type | Drug coverage | Counties |
|---|---|---|---|
| Aetna (CVS Health) 14 plans | |||
| Aetna Medicare Full Dual (HMO D-SNP) | HMO D-SNP | Yes | 55 |
| Aetna Medicare Partial Dual (HMO D-SNP) | HMO D-SNP | Yes | 55 |
| Aetna Medicare Advantra Eagle Plus (HMO) | HMO | No | 38 |
| Aetna Medicare Premier (PPO) | PPO | Yes | 33 |
| Aetna Medicare Premier Classic (PPO) | PPO | Yes | 33 |
| Aetna Medicare Advantra Classic Giveback (PPO) | PPO | Yes | 30 |
| Aetna Medicare Advantra Signature Giveback (PPO) | PPO | Yes | 30 |
| Aetna Medicare Advantra Signature (HMO) | HMO | Yes | 22 |
| Aetna Medicare Full Dual Extra (HMO D-SNP) | HMO D-SNP | Yes | 19 |
| Aetna Medicare Advantra Enhanced (PPO) | PPO | Yes | 18 |
| Aetna Medicare Advantra Enhanced Classic (PPO) | PPO | Yes | 18 |
| Aetna Medicare Advantra Signature Classic (PPO) | PPO | Yes | 18 |
| Aetna Medicare Advantra Elite (HMO) | HMO | Yes | 13 |
| Aetna Medicare Signature (HMO) | HMO | Yes | 13 |
| Communicare Advantage 1 plan | |||
| CommuniCare Advantage ISNP (HMO I-SNP) | HMO I-SNP | Yes | 55 |
| Elevance Health (Anthem) 3 plans | |||
| Wellpoint Dual Advantage (HMO D-SNP) | HMO D-SNP | Yes | 43 |
| Wellpoint Full Dual Advantage (HMO D-SNP) | HMO D-SNP | Yes | 43 |
| Wellpoint Medicare Advantage (HMO-POS) | HMO-POS | Yes | 43 |
| Highmark Blue Cross Blue Shield 10 plans | |||
| Freedom Blue PPO Valor (PPO) | PPO | No | 55 |
| Highmark Health Options Duals (HMO D-SNP) | HMO D-SNP | Yes | 40 |
| Freedom Blue PPO Standard (PPO) | PPO | Yes | 30 |
| Freedom Blue PPO Standard (PPO) | PPO | Yes | 25 |
| Complete Blue PPO Distinct (PPO) | PPO | Yes | 20 |
| Complete Blue PPO Signature (PPO) | PPO | Yes | 20 |
| Complete Blue PPO Distinct (PPO) | PPO | Yes | 7 |
| Complete Blue PPO Signature (PPO) | PPO | Yes | 7 |
| Complete Blue PPO Distinct (PPO) | PPO | Yes | 3 |
| Complete Blue PPO Signature (PPO) | PPO | Yes | 3 |
| Humana 18 plans | |||
| Humana Essentials Plus Giveback (PPO) | PPO | Yes | 55 |
| Humana Together in Health (PPO I-SNP) | PPO I-SNP | Yes | 55 |
| Humana USAA Honor Giveback (PPO) | PPO | No | 55 |
| Humana USAA Honor Giveback (PPO) | PPO | No | 55 |
| HumanaChoice H5216-425 (PPO) | PPO | Yes | 55 |
| HumanaChoice R0110-007 (Regional PPO) | PPO | No | 55 |
| HumanaChoice R0110-008 (Regional PPO) | PPO | Yes | 55 |
| Humana Full Access (PPO) | PPO | Yes | 53 |
| Humana Value Choice (PPO) | PPO | Yes | 45 |
| HumanaChoice SNP-DE H5216-220 (PPO D-SNP) | PPO D-SNP | Yes | 43 |
| Humana Dual Select H5619-126 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | 42 |
| Humana Gold Plus SNP-DE H5619-162 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | 42 |
| Humana Gold Plus SNP-DE H5619-179 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | 42 |
| Humana Gold Plus H5619-113 (HMO-POS) | HMO-POS | Yes | 41 |
| Humana Gold Choice H8145-052 (PFFS) | PFFS | Yes | 28 |
| HumanaChoice Giveback H5216-328 (PPO) | PPO | Yes | 21 |
| HumanaChoice H5216-019 (PPO) | PPO | Yes | 20 |
| HumanaChoice H5525-005 (PPO) | PPO | Yes | 8 |
| Peak Health 7 plans | |||
| Peak Advantage Summit (PPO) | PPO | Yes | 44 |
| Peak Advantage Vista (PPO) | PPO | Yes | 44 |
| PeakPlus Rise (PPO D-SNP) | PPO D-SNP | Yes | 10 |
| Peak Advantage Summit (PPO) | PPO | Yes | 5 |
| Peak Advantage Summit (PPO) | PPO | Yes | 5 |
| Peak Advantage Vista (PPO) | PPO | Yes | 5 |
| Peak Advantage Vista (PPO) | PPO | Yes | 5 |
| The Health Plan 5 plans | |||
| The Health Plan SecureCare - Option II (HMO) | HMO | Yes | 55 |
| The Health Plan SecureCare Integrity Plan 1 (HMO) | HMO | No | 55 |
| The Health Plan SecureCare SNP (HMO D-SNP) | HMO D-SNP | Yes | 55 |
| The Health Plan SecureChoice Optimum (PPO) | PPO | Yes | 55 |
| The Health Plan SecureChoice Reliance (PPO) | PPO | Yes | 55 |
| UnitedHealthcare 11 plans | |||
| AARP Medicare Advantage from UHC WV-0001 (PPO) | PPO | Yes | 55 |
| AARP Medicare Advantage from UHC WV-0003 (PPO) | PPO | Yes | 55 |
| AARP Medicare Advantage from UHC WV-0004 (PPO) | PPO | Yes | 55 |
| AARP Medicare Advantage Patriot No Rx WV-MA01 (PPO) | PPO | No | 55 |
| AARP Medicare Advantage Patriot No Rx WV-MA2 (HMO-POS) | HMO-POS | No | 55 |
| UHC Dual Advantage WV-V1 (PPO D-SNP) | PPO D-SNP | Yes | 55 |
| UHC Dual Complete WV-Q1 (PPO D-SNP) | PPO D-SNP | Yes | 55 |
| UHC Dual Complete WV-S2 (PPO D-SNP) | PPO D-SNP | Yes | 55 |
| AARP Medicare Advantage from UHC WV-6 (HMO-POS) | HMO-POS | Yes | 38 |
| AARP Medicare Advantage from UHC WV-5 (HMO-POS) | HMO-POS | Yes | 17 |
| UHC Complete Care WV-7 (HMO-POS C-SNP) | HMO-POS C-SNP | Yes | 17 |
| West Virginia Senior Advantage 1 plan | |||
| WV Senior Advantage (HMO I-SNP) | HMO I-SNP | Yes | 55 |
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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Frequently asked questions
Are all 70 West Virginia Medicare Advantage plans available in every county for 2027?
What happens if my current West Virginia Medicare Advantage plan is not returning for 2027?
Do I have to switch Medicare Advantage plans during Annual Enrollment 2027?
Where do I find premiums, copays, and star ratings for the 2027 plans in my county?
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 — MA Landscape Source File: the 2027 West Virginia statewide plan counts, carrier counts, plan types, and SNP counts.
- CMS — MA Landscape Source Files, 2026 and 2027: the year-over-year counts of plans new for 2027 and plans not returning.
- Medicare.gov — Medicare enrollment periods: Annual Enrollment dates (October 15 – December 7, 2026) and the January 1, 2027 effective date.
- Medicare.gov — Medicare Plan Finder: the official county-level tool for comparing 2027 plan details, provider networks, formularies, and pharmacies.
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.