Home › Medicare plans › Idaho › Gem County
Medicare Advantage plans in Gem County, ID for 2027
22 Medicare Advantage plans from 5 companies are available in Gem County for 2027. Plans with a $0 monthly premium (not counting special needs plans): 8. Lowest in-network out-of-pocket limit: $3,000.
Open enrollment for 2027 runs October 15 – December 7, 2026; coverage starts January 1, 2027.
Plans with drug coverage (9)
| Plan | Type | Monthly premium | Drug deductible | Out-of-pocket limit (in network) | Last year's star rating |
|---|---|---|---|---|---|
| Humana Gold Plus H2486-005 (HMO) Humana | HMO | $0 | $300 | $6,520 | 3.5 |
| Humana Total Complete (HMO) Humana | HMO | $0 | $700 | $6,660 | 3 |
| Humana Value Choice (PPO) Humana | PPO | $0 | $700 | $7,000 | 3.5 |
| Humana Value Choice (PPO) Humana | PPO | $0 | $700 | $7,150 | 4.5 |
| True Blue Rx 32PSP (HMO) Blue Cross of Idaho | HMO | $24 | $205 | $5,900 | 3.5 |
| Humana Full Access (PPO) Humana | PPO | $30 | $700 | $5,900 | 4.5 |
| True Blue Rx 33 (HMO) Blue Cross of Idaho | HMO | $64 | $205 | $5,900 | 3.5 |
| AARP Medicare Advantage from UHC ID-0005 (HMO-POS) UnitedHealthcare | HMO-POS | $65 | $685 | $6,300 | 4 |
| HumanaChoice H5216-048 (PPO) Humana | PPO | $97 | $700 | $7,000 | 3.5 |
Plans without drug coverage (5)
| Plan | Type | Monthly premium | Out-of-pocket limit (in network) | Last year's star rating |
|---|---|---|---|---|
| Humana USAA Honor Giveback (PPO) Humana | PPO | $0 | $5,100 | 3.5 |
| Secure Blue Courage (PPO) Blue Cross of Idaho | PPO | $0 | $5,200 | — |
| AARP Medicare Advantage Patriot No Rx ID-MA01 (HMO-POS) UnitedHealthcare | HMO-POS | $0 | $6,700 | 4 |
| Humana USAA Honor Giveback (PPO) Humana | PPO | $0 | $9,150 | 3.5 |
| True Blue Valor (HMO) Blue Cross of Idaho | HMO | $34 | $3,000 | 3.5 |
Special needs plans (8)
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 |
|---|---|---|---|---|---|
| UHC Complete Care ID-12 (HMO-POS C-SNP) UnitedHealthcare | HMO-POS C-SNP | $0 | $685 | $7,150 | 4 |
| HumanaChoice - Diabetes and Heart (PPO C-SNP) Humana | PPO C-SNP | $0 | $500 | $9,850 | 4.5 |
| UHC Dual Complete ID-QV1 (HMO-POS D-SNP) UnitedHealthcare | HMO-POS D-SNP | $0 | $385 | $9,850 | — |
| UHC Dual Complete ID-YL (HMO-POS D-SNP) UnitedHealthcare | HMO-POS D-SNP | $21.20 | $700 | $9,850 | — |
| UHC Dual Complete ID-Y1 (HMO-POS D-SNP) UnitedHealthcare | HMO-POS D-SNP | $26.40 | $700 | $9,850 | — |
| UHC Complete Care Support ID-1A (PPO C-SNP) UnitedHealthcare | PPO C-SNP | $45.40 | $700 | $9,850 | 4.5 |
| American Health Advantage of Idaho (HMO I-SNP) American Health Advantage of Utah | HMO I-SNP | $45.50 | $700 | $7,250 | — |
| Molina Medicare Complete Care (HMO D-SNP) Molina Healthcare of Utah & Idaho | HMO D-SNP | $45.50 | $700 | $9,850 | 3 |
Stand-alone Part D drug plans in Idaho →
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).