Medicare Advantage Plans in Alabama: 2027 Statewide Guide
Whether you're turning 65, comparing plans this fall, or helping a parent choose, here is what the official 2027 plan data from the Centers for Medicare & Medicaid Services (CMS) shows for all of Alabama.
Alabama 2027 at a glance
- CMS lists 113 Medicare Advantage plans from 8 organizations across 67 Alabama counties for 2027.
- 36 of the plans open to everyone (not Special Needs Plans) have a $0 monthly plan premium.
- The lowest in-network out-of-pocket maximum in the state is $1,900.
- Out-of-pocket costs for covered Part D drugs are capped at $2,400 in 2027.
- The highest Overall Star Rating among these plans is 4.5 out of 5.
You must continue to pay your Medicare Part B premium. Every year, Medicare evaluates plans based on a 5-star rating system.
Types of Medicare Advantage plans in Alabama
- 65 plans open to anyone with Medicare Parts A and B in the plan's area
- 28 Dual-Eligible Special Needs Plans (D-SNPs), for people with both Medicare and Medicaid
- 17 Chronic Condition Special Needs Plans, for specific conditions such as diabetes or heart failure
- 3 Institutional Special Needs Plans, for people living in a nursing home or needing that level of care at home
Counties with the most plan choices
- Mobile County: 79 plans
- Jefferson County: 78 plans
- Walker County: 78 plans
- Shelby County: 77 plans
- Baldwin County: 76 plans
- Blount County: 76 plans
- Madison County: 76 plans
- Chilton County: 74 plans
- Montgomery County: 73 plans
- Bibb County: 72 plans
Carriers we work with in Alabama
- Devoted: 33 Medicare Advantage plans in Alabama
- Humana: 20 Medicare Advantage plans in Alabama
- HealthSpring: 18 Medicare Advantage plans in Alabama
- UnitedHealthcare: 16 Medicare Advantage plans in Alabama
- Aetna: 11 Medicare Advantage plans in Alabama
Key enrollment dates
- Annual Enrollment Period: October 15 – December 7. Changes take effect January 1.
- Medicare Advantage Open Enrollment: January 1 – March 31, for people already in a Medicare Advantage plan.
- Turning 65: your Initial Enrollment Period is the 7 months around your 65th birthday month.
Plans for people with Medicare and Medicaid, by state · More data stories · Home
Source: CMS 2027 Medicare Advantage and Part D Landscape file (CY2027_Landscape_202610.csv). Plan counts include every plan offered in at least one Alabama county; availability depends on where you live. Confirm details with the plan before you enroll.
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Not connected with or endorsed by the U.S. government or the federal Medicare program. We do not offer every plan available in your area. Currently we represent 5 organizations which offer 107 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.