Medicare Advantage

Medicare Plan Choices Around Gillette for 2027

GILLETTE, Wyo. — If you live in or near Gillette and are getting ready for the 2027 Medicare year, it helps to know what the landscape looks like across the wider area. Plan availability is set county by county, so the choices in one part of Wyoming may look different from the next county over.

A Local Snapshot for Northeast Wyoming

Gillette sits in Campbell County, which anchors this corner of the state. Here's a plain look at how plan availability looked for 2026 across the local area, based on the CMS Medicare Advantage and Part D Landscape files. The 2027 lineup is described in each plan's ANOC and on Medicare.gov's Plan Finder.

What "Availability" Actually Means

Medicare Advantage (Part C) and stand-alone Part D drug plans are approved for sale by county. When someone says "there are X plans in your area," they mean plans a carrier has been cleared to offer to residents of that specific county.

That's why two neighbors on opposite sides of a county line can see different plan menus, even in the same metro. It's not about the city — it's about the county on your address.

Campbell County by the Numbers

For 2026, Campbell County — home to Gillette — shows a modest but real set of choices:

• 3 Medicare Advantage plans are available to residents.
• 1 carrier is offering Medicare Advantage plans that include prescription drug coverage (MA-PD) in the area.
• Wyoming has 11 stand-alone Part D plans for 2026, sold statewide, and residents of Campbell County can join any of them. (Note: stand-alone Part D availability is generally set at the regional level; anyone shopping drug-only coverage should confirm current options on Medicare.gov.)
• 0 contracts serving the area carried a 4-star or higher overall rating for 2026.

Roughly 6,154 Campbell County residents are 65 or older, according to Census estimates — the population most likely to be weighing these choices this fall.

Star Ratings, by the way, are CMS's 1-to-5 quality scores for Medicare Advantage and Part D contracts. They can be useful background, but they aren't a recommendation, and ratings can shift from year to year.

How Gillette Compares to Nearby Areas

Wyoming is a big state with a small population, and that shows up in Medicare plan menus. Counties around Campbell — places like Johnson, Sheridan, Crook, and Weston — tend to have similarly compact plan lineups compared with metro areas in bigger states. It's common in this part of the country to see just a handful of Medicare Advantage plans per county, with one or two carriers active.

If you split time between counties, or you're helping a parent who lives in a different county, always check availability using the ZIP code where they actually reside. The Medicare Plan Finder at Medicare.gov sorts everything by county behind the scenes.

Program Rules That Apply Everywhere

Some things don't change from county to county. These are program-wide figures for 2026 and 2027:

• Part D out-of-pocket cap: $2,100 in 2026 and $2,400 in 2027. Once your covered drug spending hits that limit, you pay nothing more for the rest of the year on covered Part D drugs.
• Part D maximum deductible: $615 in 2026 and $700 in 2027 (plans can set theirs lower).
• No more "donut hole." As of 2025, Part D has three phases — deductible, initial coverage, and catastrophic — with no coverage gap.
• Medicare Prescription Payment Plan: You can choose to spread your yearly drug costs into monthly payments instead of paying at the pharmacy counter.
• IRMAA: Higher-income surcharges on Part B and Part D premiums kick in above $109,000 for a single filer in 2026.
• Annual Enrollment Period: October 15 through December 7 — this is when most people compare and switch plans.
• Medicare Advantage Open Enrollment: January 1 through March 31, for people already in a Medicare Advantage plan who want to change or drop it.