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Medicare Advantage plans in St. Clair County, AL for 2027
71 Medicare Advantage plans from 8 companies are available in St. Clair County for 2027. Plans with a $0 monthly premium (not counting special needs plans): 27. 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 (32)
| 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 |
| HealthSpring Preferred (HMO) HealthSpring | HMO | $0 | $400 | $5,550 | 4.5 |
| DEVOTED CORE 001 AL (HMO) Devoted Health | HMO | $0 | $465 | $5,700 | 3.5 |
| DEVOTED CHOICE 001 AL (PPO) Devoted Health | PPO | $0 | $650 | $6,200 | 3.5 |
| 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 |
| HealthSpring Preferred Extra Savings (HMO) HealthSpring | HMO | $0 | $300 | $8,500 | 4.5 |
| Aetna Medicare Signature Plus (PPO) Aetna Medicare | PPO | $0 | $600 | $8,900 | 4.5 |
| DEVOTED CHOICE GIVEBACK 005 AL (PPO) Devoted Health | PPO | $0 | $461 | $8,900 | 3.5 |
| VIVA Medicare Plus (HMO) VIVA Medicare | HMO | $0 | $450 | $9,250 | 4.5 |
| DEVOTED GIVEBACK 002 AL (HMO) Devoted Health | HMO | $0 | $461 | $9,850 | 3.5 |
| 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 |
| HealthSpring True Choice (PPO) HealthSpring | PPO | $15 | $500 | $7,500 | 3 |
| Aetna Medicare Signature Extra Care (HMO) Aetna Medicare | HMO | $23 | $400 | $5,900 | 3.5 |
| Aetna Medicare Value Plus (PPO) Aetna Medicare | PPO | $23.30 | $400 | $9,850 | 4.5 |
| HealthSpring Preferred Plus (HMO) HealthSpring | HMO | $25 | $400 | $4,750 | 4.5 |
| 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 (9)
| 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 |
| HealthSpring Courage (HMO) HealthSpring | HMO | $0 | $5,750 | 4.5 |
| 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 |
| Aetna Medicare Eagle Plus (PPO) Aetna Medicare | PPO | $0 | $7,900 | 4.5 |
| DEVOTED CHOICE MA ONLY 007 AL (PPO) Devoted Health | PPO | $0 | $7,900 | 3.5 |
| VIVA Medicare Select (HMO) VIVA Medicare | HMO | $0 | $9,250 | 4.5 |
Special needs plans (30)
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 |
|---|---|---|---|---|---|
| HealthSpring Achieve (HMO C-SNP) HealthSpring | HMO C-SNP | $0 | $400 | $4,450 | 4.5 |
| DEVOTED DUAL 004 AL (HMO D-SNP) Devoted Health | HMO D-SNP | $0 | $700 | $6,100 | 3.5 |
| DEVOTED C-SNP CHOICE 008 AL (PPO C-SNP) Devoted Health | PPO C-SNP | $0 | $700 | $6,500 | 3.5 |
| DEVOTED C-SNP CHOICE ENHANCED 009 AL (PPO C-SNP) Devoted Health | PPO C-SNP | $0 | $461 | $6,700 | 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 |
| VIVA Medicare Healthy Lifestyles (HMO C-SNP) VIVA Medicare | HMO C-SNP | $0 | $550 | $7,900 | 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 012 AL (PPO C-SNP) Devoted Health | PPO C-SNP | $0 | $461 | $9,850 | 3.5 |
| DEVOTED DUAL CHOICE FULL 013 AL (PPO D-SNP) Devoted Health | PPO D-SNP | $0 | $700 | $9,850 | 3.5 |
| DEVOTED DUAL PLUS 003 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 Nursing Home Plan EX-F001 (PPO I-SNP) UnitedHealthcare | PPO I-SNP | $0 | $700 | $9,850 | 4.5 |
| UHC Dual Advantage AL-V2 (HMO-POS D-SNP) UnitedHealthcare | HMO-POS D-SNP | $3.90 | $700 | $5,900 | 4 |
| HealthSpring TotalCare (HMO D-SNP) HealthSpring | HMO D-SNP | $13.40 | $700 | $9,850 | 4.5 |
| VIVA Medicare Extra Value (HMO D-SNP) VIVA Medicare | HMO D-SNP | $13.70 | $700 | $6,750 | 4.5 |
| HealthSpring TotalCare Plus (HMO D-SNP) HealthSpring | HMO D-SNP | $13.70 | $700 | $9,850 | 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).