How many Medicare Advantage plans are in each state in 2027?

What does the average Medicare Advantage plan cost per month in each state?

Nationally, CMS projects the weighted average Medicare Advantage premium to fall from $14.37 in 2026 to $12.00 in 2027. The state averages fell in 17 of our 21 states. Florida, Idaho, Michigan and Texas rose. Minnesota has the highest average at $59.40 and Nevada the lowest at $0.56.

Can everyone in my state get a Medicare Advantage plan with a $0 premium?

Almost everyone can, but not in every state. CMS says 100% of people with Medicare in 16 of our 21 states can reach a Medicare Advantage plan with a $0 monthly premium. The exceptions are Montana (94.80%), Minnesota (96.58%), Nebraska (97.69%), Nevada (99.08%) and Utah (99.79%).

In Montana and Nevada the same numbers show that some residents have no Medicare Advantage plan at all: CMS says 94.80% of people with Medicare in Montana and 99.08% in Nevada can reach one, so the rest can only choose Original Medicare.

A $0 plan premium does not mean $0 in costs. You still pay your Part B premium, and you pay copays or coinsurance up to the plan's out-of-pocket limit. Our guide to the 2027 out-of-pocket maximum compares those limits by state.

Why do CMS and KFF give different plan counts for the same state?

They count different things. CMS counts every plan entry in a state, including special needs plans for people with Medicaid, certain chronic conditions or a nursing home stay. KFF counts only Medicare Advantage plans with drug coverage that a person can choose without special eligibility, and weights the count to the average person with Medicare in each state, so its numbers are much smaller.

KFF's national figure is 28 plans for the average person in 2027, down from 32 in 2026. The table splits each state's CMS count into plans open to everyone and special needs plans, and shows KFF's figure beside it. Ohio, for example, has 180 CMS entries (134 open to everyone and 46 special needs plans), while KFF counts 44 options for the average Ohioan.

Which insurers sell Medicare Advantage plans in each state?

Humana sells at least one plan open to everyone in every county of 13 of our 21 states with plans, and UnitedHealth Group in 10. In the other eight no single insurer reaches every county.

CMS lists the parent company, which is not always the name on the plan: UnitedHealth Group sells as UnitedHealthcare, CVS Health as Aetna Medicare, Centene as Wellcare, Elevance Health as Anthem and Wellpoint, GuideWell as Florida Blue, and CuraCor Solutions as Blue Cross and Blue Shield of North Carolina.

This lists who files plans, not who we recommend. An agent can only enroll you in plans from companies they are appointed with, so ask any agent which companies they can compare for your county.

How should I use these numbers?

State counts describe the whole state. Your choices depend on your county, because each plan is sold only in certain counties. The Medicare Plan Finder shows the plans sold at your ZIP code with their premiums and the cost of your own prescriptions.

Medicare Open Enrollment runs from October 15 to December 7, 2026, for coverage that starts January 1, 2027. A licensed agent can compare plans in your county, and your premium is the same whether you enroll through an agent or on your own.

How did we compile these numbers?

Plan counts, people with Medicare, premiums and $0 plan access come from CMS's state fact sheets dated September 28, 2026. The split between plans open to everyone and special needs plans, and the insurer lists, come from our count of CMS's landscape file updated September 22, 2026. We counted Medicare Advantage plans and Medicare Advantage drug plans, and left out cost plans, employer group plans and stand-alone drug plans.

CMS's Michigan and Nevada fact sheets have typos in the $0 premium line. We read Michigan as 100% and Nevada as 99.08%, which match the line above each. Plan counts are plans, not members, and none of this is a recommendation of any plan.

Insurers and hospitals mentioned

Explore the organizations or brands discussed in this article. A mention does not mean every plan or location is covered.

• Detailed guide · FloridaFlorida Blue
• Small-group insurer · AlaskaUnitedHealthcare Insurance Company
• Insurer · ArizonaUnitedHealthcare
• Insurer · ArizonaUnitedHealthcare