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Medicare Advantage plans in Franklin County, AL for 2027
56 Medicare Advantage plans from 7 companies are available in Franklin County for 2027. Plans with a $0 monthly premium (not counting special needs plans): 20. Lowest in-network out-of-pocket limit: $3,250.
Open enrollment for 2027 runs October 15 – December 7, 2026; coverage starts January 1, 2027.
Plans with drug coverage (24)
| Plan | Type | Monthly premium | Drug deductible | Out-of-pocket limit (in network) | Last year's star rating |
|---|---|---|---|---|---|
| HumanaChoice H5216-269 (PPO) Humana | PPO | $0 | $700 | $4,450 | 3.5 |
| HumanaChoice H7617-091 (PPO) Humana | PPO | $0 | $700 | $4,450 | 4.5 |
| DEVOTED CHOICE 008 AL (PPO) Devoted Health | PPO | $0 | $650 | $5,600 | 4.5 |
| Humana Value Plus H5216-179 (PPO) Humana | PPO | $0 | $400 | $6,200 | 3.5 |
| AARP Medicare Advantage Essentials from UHC AL-3 (HMO-POS) UnitedHealthcare | HMO-POS | $0 | $685 | $6,300 | 4 |
| Humana Gold Plus H4461-078 (HMO) Humana | HMO | $0 | $700 | $6,360 | 4 |
| Aetna Medicare Signature Care (HMO) Aetna Medicare | HMO | $0 | $400 | $6,750 | 3.5 |
| AARP Medicare Advantage Extras from UHC AL-7 (HMO-POS) UnitedHealthcare | HMO-POS | $0 | $685 | $7,150 | 4 |
| AARP Medicare Advantage from UHC AL-0001 (HMO-POS) UnitedHealthcare | HMO-POS | $0 | $685 | $7,150 | 4 |
| Blue Advantage Choice (PPO) Blue Cross and Blue Shield of Alabama | PPO | $0 | $700 | $7,150 | 4 |
| Humana Gold Plus H5619-089 (HMO) Humana | HMO | $0 | $700 | $7,150 | 3 |
| DEVOTED CHOICE GIVEBACK EXTRAS 039 AL (PPO) Devoted Health | PPO | $0 | $700 | $7,700 | 4.5 |
| VIVA Medicare Plus (HMO) VIVA Medicare | HMO | $0 | $450 | $9,250 | 4.5 |
| DEVOTED CHOICE GIVEBACK 010 AL (PPO) Devoted Health | PPO | $0 | $650 | $9,850 | 4.5 |
| Humana Value Plus H7617-089 (PPO) Humana | PPO | $0.50 | $400 | $6,200 | 4.5 |
| AARP Medicare Advantage from UHC AL-0004 (PPO) UnitedHealthcare | PPO | $10 | $685 | $7,150 | 4 |
| HumanaChoice H5216-368 (PPO) Humana | PPO | $27.50 | $700 | $3,250 | 3.5 |
| HumanaChoice H7617-090 (PPO) Humana | PPO | $34 | $700 | $3,250 | 4.5 |
| Humana Gold Plus H4461-079 (HMO) Humana | HMO | $36 | $700 | $4,900 | 4 |
| Blue Advantage Complete (PPO) Blue Cross and Blue Shield of Alabama | PPO | $39.50 | $620 | $6,000 | 4 |
| AARP Medicare Advantage from UHC AL-6 (HMO-POS) UnitedHealthcare | HMO-POS | $43 | $685 | $5,400 | 4 |
| AARP Medicare Advantage from UHC AL-0002 (HMO-POS) UnitedHealthcare | HMO-POS | $45 | $685 | $5,400 | 4 |
| VIVA Medicare Premier (HMO) VIVA Medicare | HMO | $99 | $350 | $6,500 | 4.5 |
| HumanaChoice R0110-018 (Regional PPO) Humana | Regional PPO | $124 | $700 | $7,000 | 3.5 |
Plans without drug coverage (6)
| Plan | Type | Monthly premium | Out-of-pocket limit (in network) | Last year's star rating |
|---|---|---|---|---|
| Humana USAA Honor Giveback (HMO) Humana | HMO | $0 | $4,150 | 4 |
| Humana USAA Honor Giveback (PPO) Humana | PPO | $0 | $4,150 | 3.5 |
| HumanaChoice R0110-017 (Regional PPO) Humana | Regional PPO | $0 | $4,650 | 3.5 |
| AARP Medicare Advantage Patriot No Rx AL-MA01 (HMO-POS) UnitedHealthcare | HMO-POS | $0 | $7,150 | 4 |
| AARP Medicare Advantage Patriot No Rx AL-MA2 (HMO-POS) UnitedHealthcare | HMO-POS | $0 | $7,150 | 4 |
| VIVA Medicare Select (HMO) VIVA Medicare | HMO | $0 | $9,250 | 4.5 |
Special needs plans (26)
Special needs plans are only for people who also have Medicaid (D-SNP), certain chronic conditions (C-SNP) or who live in an institution such as a nursing home (I-SNP).
| Plan | Type | Monthly premium | Drug deductible | Out-of-pocket limit (in network) | Last year's star rating |
|---|---|---|---|---|---|
| DEVOTED C-SNP CHOICE ENHANCED 014 AL (PPO C-SNP) Devoted Health | PPO C-SNP | $0 | $650 | $6,100 | 4.5 |
| DEVOTED DUAL 007 AL (HMO D-SNP) Devoted Health | HMO D-SNP | $0 | $700 | $6,100 | 3.5 |
| DEVOTED C-SNP CHOICE 010 AL (PPO C-SNP) Devoted Health | PPO C-SNP | $0 | $700 | $6,500 | 3.5 |
| UHC Complete Care AL-8 (HMO-POS C-SNP) UnitedHealthcare | HMO-POS C-SNP | $0 | $685 | $6,700 | 4 |
| UHC Complete Care AL-5 (HMO-POS C-SNP) UnitedHealthcare | HMO-POS C-SNP | $0 | $685 | $7,150 | 4 |
| DEVOTED C-SNP CHOICE GIVEBACK EXTRAS 018 AL (PPO C-SNP) Devoted Health | PPO C-SNP | $0 | $700 | $7,700 | 4.5 |
| Aetna Medicare Dual Care (HMO D-SNP) Aetna Medicare | HMO D-SNP | $0 | $700 | $9,850 | 3.5 |
| Aetna Medicare Dual Extra Care (HMO D-SNP) Aetna Medicare | HMO D-SNP | $0 | $700 | $9,850 | 3.5 |
| Aetna Medicare Full Dual Care (HMO D-SNP) Aetna Medicare | HMO D-SNP | $0 | $700 | $9,850 | 3.5 |
| DEVOTED C-SNP CHOICE PLUS 016 AL (PPO C-SNP) Devoted Health | PPO C-SNP | $0 | $650 | $9,850 | 4.5 |
| DEVOTED DUAL CHOICE FULL 012 AL (PPO D-SNP) Devoted Health | PPO D-SNP | $0 | $700 | $9,850 | 4.5 |
| DEVOTED DUAL PLUS 006 AL (HMO D-SNP) Devoted Health | HMO D-SNP | $0 | $700 | $9,850 | 3.5 |
| Humana Dual QMB Only (HMO D-SNP) Humana | HMO D-SNP | $0 | $100 | $9,850 | 4 |
| Humana Dual Select H4461-077 (HMO D-SNP) Humana | HMO D-SNP | $0 | $50 | $9,850 | 4 |
| Humana Dual Select H5619-093 (HMO D-SNP) Humana | HMO D-SNP | $0 | $700 | $9,850 | 3 |
| Humana Gold Plus SNP-DE H4461-076 (HMO D-SNP) Humana | HMO D-SNP | $0 | $700 | $9,850 | 4 |
| HumanaChoice SNP-DE H5216-370 (PPO D-SNP) Humana | PPO D-SNP | $0 | $700 | $9,850 | 3.5 |
| UHC Dual Complete AL-Q1 (HMO-POS D-SNP) UnitedHealthcare | HMO-POS D-SNP | $0 | $435 | $9,850 | 4 |
| UHC Dual Complete AL-Q2 (PPO D-SNP) UnitedHealthcare | PPO D-SNP | $0 | $445 | $9,850 | 4 |
| UHC Dual Complete AL-S1 (HMO-POS D-SNP) UnitedHealthcare | HMO-POS D-SNP | $0 | $530 | $9,850 | 4 |
| UHC Dual Advantage AL-V2 (HMO-POS D-SNP) UnitedHealthcare | HMO-POS D-SNP | $3.90 | $700 | $5,900 | 4 |
| VIVA Medicare Extra Value (HMO D-SNP) VIVA Medicare | HMO D-SNP | $13.70 | $700 | $6,750 | 4.5 |
| Simpra Advantage Dual Care (PPO D-SNP) Simpra Advantage | PPO D-SNP | $13.70 | $700 | $9,850 | — |
| Simpra Advantage Nursing Home Plan (PPO I-SNP) Simpra Advantage | PPO I-SNP | $13.70 | $700 | $9,850 | — |
| UHC Dual Complete AL-Q3 (HMO-POS D-SNP) UnitedHealthcare | HMO-POS D-SNP | $13.70 | $700 | $9,850 | 4 |
| Simpra Advantage Assist (PPO I-SNP) Simpra Advantage | PPO I-SNP | $90 | $150 | $6,700 | — |
Stand-alone Part D drug plans in Alabama →
Star ratings for 2027 are published by CMS in October; the stars shown are the contract's 2026 overall rating. We are not connected with or endorsed by the U.S. government or the federal Medicare program, and we do not sell plans. We do not list plan benefits in full; confirm costs and coverage with the plan, Medicare.gov or 1-800-MEDICARE (TTY 1-877-486-2048) before you enroll. Source: CMS Medicare Advantage and Part D Landscape, 2027 (2026-09 release).