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Medicare Advantage plans in Wake County, NC for 2027
63 Medicare Advantage plans from 9 companies are available in Wake County for 2027. Plans with a $0 monthly premium (not counting special needs plans): 28. Lowest in-network out-of-pocket limit: $3,400.
Open enrollment for 2027 runs October 15 – December 7, 2026; coverage starts January 1, 2027.
Plans with drug coverage (27)
| Plan | Type | Monthly premium | Drug deductible | Out-of-pocket limit (in network) | Last year's star rating |
|---|---|---|---|---|---|
| Alignment Health Smart 006 (HMO) Alignment Health Plan | HMO | $0 | $700 | $3,400 | 5 |
| Humana Gold Plus H1036-335 (HMO-POS) Humana | HMO-POS | $0 | $700 | $3,950 | 4.5 |
| Alignment Health Platinum 010 (HMO) Alignment Health Plan | HMO | $0 | $225 | $4,300 | 5 |
| AARP Medicare Advantage from UHC NC-15 (HMO-POS) UnitedHealthcare | HMO-POS | $0 | $685 | $4,450 | 4 |
| Aetna Medicare Value Plus (HMO) Aetna Medicare | HMO | $0 | $400 | $5,500 | 4.5 |
| Wellcare Assist Open (PPO) Wellcare | PPO | $0 | $700 | $6,500 | 3.5 |
| Wellcare Simple (HMO-POS) Wellcare | HMO-POS | $0 | $700 | $6,700 | 3.5 |
| Aetna Medicare Signature (HMO) Aetna Medicare | HMO | $0 | $500 | $6,750 | 4.5 |
| Blue Medicare Essential Plus (HMO-POS) Blue Cross and Blue Shield of North Carolina | HMO-POS | $0 | $700 | $7,000 | 4 |
| AARP Medicare Advantage from UHC NC-0007 (HMO-POS) UnitedHealthcare | HMO-POS | $0 | $685 | $7,150 | 4 |
| AARP Medicare Advantage from UHC NC-0017 (PPO) UnitedHealthcare | PPO | $0 | $685 | $7,150 | 4 |
| Wellcare Simple Open (PPO) Wellcare | PPO | $0 | $700 | $7,150 | 3.5 |
| AARP Medicare Advantage Giveback from UHC NC-14 (HMO-POS) UnitedHealthcare | HMO-POS | $0 | $685 | $9,500 | 4 |
| Aetna Medicare Signature (PPO) Aetna Medicare | PPO | $0 | $700 | $9,850 | 4.5 |
| Blue Medicare Essential (HMO) Blue Cross and Blue Shield of North Carolina | HMO | $0 | $700 | $9,850 | 4 |
| Humana Gold Plus Giveback H1036-318 (HMO-POS) Humana | HMO-POS | $0 | $700 | $9,850 | 4.5 |
| Humana Gold Plus Giveback H1036-343 (HMO-POS) Humana | HMO-POS | $0 | $700 | $9,850 | 4.5 |
| Humana Gold Plus H1036-137 (HMO-POS) Humana | HMO-POS | $0 | $450 | $9,850 | 4.5 |
| Humana Gold Plus H1036-233 (HMO-POS) Humana | HMO-POS | $0 | $450 | $9,850 | 4.5 |
| HumanaChoice Giveback H5525-035 (PPO) Humana | PPO | $0 | $700 | $9,850 | 3.5 |
| HumanaChoice H5525-070 (PPO) Humana | PPO | $13.30 | $700 | $9,850 | 3.5 |
| Alignment Health AVA 001 (PPO) Alignment Health Plan | PPO | $20 | $0 | $3,900 | — |
| Blue Medicare Enhanced (HMO-POS) Blue Cross and Blue Shield of North Carolina | HMO-POS | $50 | $700 | $4,900 | 4 |
| AARP Medicare Advantage from UHC NC-0016 (PPO) UnitedHealthcare | PPO | $53 | $595 | $4,450 | 4 |
| HumanaChoice H5216-211 (PPO) Humana | PPO | $67 | $700 | $9,850 | 3.5 |
| Blue Medicare PPO Enhanced (PPO) Blue Cross and Blue Shield of North Carolina | PPO | $70 | $700 | $6,900 | 4.5 |
| Humana Full Access (Regional PPO) Humana | Regional PPO | $158 | $700 | $9,850 | 3.5 |
Plans without drug coverage (8)
| Plan | Type | Monthly premium | Out-of-pocket limit (in network) | Last year's star rating |
|---|---|---|---|---|
| Blue Medicare Medical Only (HMO-POS) Blue Cross and Blue Shield of North Carolina | HMO-POS | $0 | $3,900 | 4 |
| Aetna Medicare Eagle (PPO) Aetna Medicare | PPO | $0 | $7,150 | 4.5 |
| Wellcare Patriot Giveback Open (PPO) Wellcare | PPO | $0 | $8,850 | 3.5 |
| AARP Medicare Advantage Patriot No Rx NC-MA02 (HMO-POS) UnitedHealthcare | HMO-POS | $0 | $9,300 | 4 |
| Blue Medicare Freedom+ (PPO) Blue Cross and Blue Shield of North Carolina | PPO | $0 | $9,850 | 4.5 |
| Humana USAA Honor Giveback (PPO) Humana | PPO | $0 | $9,850 | 3.5 |
| Humana USAA Honor Giveback (Regional PPO) Humana | Regional PPO | $0 | $9,850 | 3.5 |
| HumanaChoice R0110-004 (Regional PPO) Humana | Regional PPO | $0 | $9,850 | 3.5 |
Special needs plans (28)
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 |
|---|---|---|---|---|---|
| Alignment Health Heart & Diabetes 011 (HMO C-SNP) Alignment Health Plan | HMO C-SNP | $0 | $250 | $3,400 | 5 |
| Liberty Medicare Advantage (HMO C-SNP) Liberty Medicare Advantage | HMO C-SNP | $0 | $0 | $3,800 | — |
| UHC Complete Care NC-28 (HMO-POS C-SNP) UnitedHealthcare | HMO-POS C-SNP | $0 | $595 | $4,450 | 4 |
| PruittHealth Premier (HMO I-SNP) PruittHealth Premier | HMO I-SNP | $0 | $350 | $5,900 | — |
| Aetna Medicare Full Dual (HMO D-SNP) Aetna Medicare | HMO D-SNP | $0 | $700 | $9,850 | 4.5 |
| Aetna Medicare Full Dual Care (HMO D-SNP) Aetna Medicare | HMO D-SNP | $0 | $700 | $9,850 | 4.5 |
| Humana Dual Select H1036-307 (HMO D-SNP) Humana | HMO D-SNP | $0 | $200 | $9,850 | 4.5 |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) Humana | HMO C-SNP | $0 | $550 | $9,850 | 4.5 |
| Humana Gold Plus SNP-DE H1036-167 (HMO D-SNP) Humana | HMO D-SNP | $0 | $0 | $9,850 | 4.5 |
| Humana Gold Plus SNP-DE H1036-331 (HMO D-SNP) Humana | HMO D-SNP | $0 | $700 | $9,850 | 4.5 |
| HumanaChoice SNP-DE H5525-036 (PPO D-SNP) Humana | PPO D-SNP | $0 | $550 | $9,850 | 3.5 |
| UHC Dual Complete NC-Q1 (PPO D-SNP) UnitedHealthcare | PPO D-SNP | $0 | $700 | $9,850 | 4 |
| UHC Dual Complete NC-Q2 (HMO-POS D-SNP) UnitedHealthcare | HMO-POS D-SNP | $0 | $700 | $9,850 | 4 |
| UHC Dual Complete NC-S2 (PPO D-SNP) UnitedHealthcare | PPO D-SNP | $0 | $700 | $9,850 | 4 |
| UHC Nursing Home Plan NC-F001 (PPO I-SNP) UnitedHealthcare | PPO I-SNP | $0 | $700 | $9,850 | 4.5 |
| Wellcare Carolina Complete Dual Liberty (HMO-POS D-SNP) Wellcare | HMO-POS D-SNP | $0 | $700 | $9,850 | 3.5 |
| Wellcare Carolina Complete Dual Liberty Open (PPO D-SNP) Wellcare | PPO D-SNP | $0 | $700 | $9,850 | 3.5 |
| UHC Dual Complete NC-S3 (HMO-POS D-SNP) UnitedHealthcare | HMO-POS D-SNP | $3.80 | $700 | $9,850 | 4 |
| Alignment Health Heart & Diabetes Plus 009 (HMO-POS C-SNP) Alignment Health Plan | HMO-POS C-SNP | $4.80 | $700 | $9,850 | 5 |
| Healthy Blue + Medicare (HMO-POS D-SNP) Blue Cross and Blue Shield of North Carolina | HMO-POS D-SNP | $13.20 | $700 | $9,850 | 3.5 |
| UHC Dual Advantage NC-V1 (HMO-POS D-SNP) UnitedHealthcare | HMO-POS D-SNP | $13.30 | $700 | $5,900 | 4 |
| Liberty Medicare Advantage Nursing Home Plan (HMO I-SNP) Liberty Medicare Advantage | HMO I-SNP | $13.30 | $700 | $6,800 | — |
| Wellcare Carolina Complete Dual Reserve (HMO-POS D-SNP) Wellcare | HMO-POS D-SNP | $13.30 | $700 | $9,250 | 3.5 |
| Alignment Health Duals+ 004 (HMO-POS D-SNP) Alignment Health Plan | HMO-POS D-SNP | $13.30 | $700 | $9,850 | 5 |
| Humana Dual Select H5525-072 (PPO D-SNP) Humana | PPO D-SNP | $13.30 | $700 | $9,850 | 3.5 |
| Longevity Health Plan (HMO I-SNP) Longevity Health Plan | HMO I-SNP | $13.30 | $700 | $9,850 | 5 |
| PruittHealth Premier (HMO I-SNP) PruittHealth Premier | HMO I-SNP | $13.30 | $700 | $9,850 | — |
| Liberty Medicare Dual Plan (HMO D-SNP) Liberty Medicare Advantage | HMO D-SNP | $17.50 | $700 | $7,550 | — |
Stand-alone Part D drug plans in North Carolina →
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 (2026-10 release).