2027 Medicare Advantage Plans in North Carolina by County
This 2027 Medicare Advantage research resource provides statewide plan statistics and comparisons for North Carolina. Review plan counts, average premiums, out-of-pocket limits, CMS ratings, and enrollment-ranked plans organized by network type. For geographically specific coverage information, select your County using the directory below.
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North Carolina Medicare Advantage Plan Research and Facts
How do Medicare Advantage plans compare across North Carolina in 2027? CMS data identifies 120 distinct plans statewide, excluding Special Needs Plans. Among them, 96 have no monthly plan premium, and the average premium across all plans is $10.05. The statewide average maximum out-of-pocket (MOOP) limit is $7,222.92. Plans with published CMS star ratings average 3.96 out of 5. Below, we break down the available PPO, HMO, HMO-POS, and PFFS plans separately, highlighting those with the highest reported beneficiary enrollment.
Enrollment figures reflect reported beneficiary participation and should not be interpreted as a measure of plan quality or suitability. Enrollment is influenced by factors such as local plan availability, market competition, and historical participation. Higher enrollment does not necessarily indicate a better plan.
Most-Enrolled PPO Plans in North Carolina
For 2027, North Carolina has 50 PPO Medicare Advantage plans, including 35 with a $0 monthly plan premium. The average monthly premium is $15.75, and the average maximum out-of-pocket (MOOP) limit is $7,792.00. Among rated PPO plans, the average CMS star rating is 3.88 out of 5. The following table identifies up to 10 PPO plans with the highest reported statewide enrollment.
| Provider | Plan ID | Plan Name | Premium | MOOP | Stars | Enrollment |
|---|---|---|---|---|---|---|
| Aetna Medicare | H5521-081-0 | Aetna Medicare Signature | $0.00 | $5,900 | 4.0 / 5 | 29,101 |
| Aetna Medicare | H5521-170-0 | Aetna Medicare Signature Extra | $0.00 | $5,900 | 4.0 / 5 | 25,173 |
| Humana | H5525-035-0 | HumanaChoice Giveback H5525-035 | $0.00 | $9,850 | 4.0 / 5 | 22,189 |
| Humana | H5525-065-0 | Humana USAA Honor Giveback | $0.00 | $9,850 | 4.0 / 5 | 20,381 |
| Blue Cross and Blue Shield of North Carolina | H3404-003-2 | Blue Medicare PPO Enhanced | $70.00 | $6,900 | 4.5 / 5 | 19,571 |
| HealthTeam Advantage | H9808-004-0 | HealthTeam Advantage Plan I | $0.00 | $4,900 | 3.5 / 5 | 17,972 |
| Blue Cross and Blue Shield of North Carolina | H3404-003-1 | Blue Medicare PPO Enhanced | $45.00 | $6,900 | 4.5 / 5 | 13,538 |
| Aetna Medicare | H5521-348-0 | Aetna Medicare Signature Giveback | $0.00 | $7,500 | 4.0 / 5 | 12,902 |
| UnitedHealthcare | H2406-034-0 | AARP Medicare Advantage from UHC NC-0016 | $53.00 | $4,450 | 4.0 / 5 | 7,302 |
| UnitedHealthcare | H2001-090-0 | AARP Medicare Advantage from UHC NC-0001 | $0.00 | $7,150 | 4.5 / 5 | 6,179 |
Most-Enrolled HMO Plans in North Carolina
HMO Medicare Advantage plans account for 37 of the plans offered across North Carolina in 2027. Of these, 36 have a $0 monthly plan premium. The average monthly premium is $1.32, with an average maximum out-of-pocket (MOOP) limit of $6,247.30. Rated HMO plans average 3.96 CMS stars out of 5. Below are the 10 most-enrolled HMO plans, or all available plans if fewer than 10 qualify.
| Provider | Plan ID | Plan Name | Premium | MOOP | Stars | Enrollment |
|---|---|---|---|---|---|---|
| Aetna Medicare | H3146-006-0 | Aetna Medicare Value Plus | $0.00 | $5,500 | 3.5 / 5 | 14,959 |
| HealthSpring | H9725-015-1 | HealthSpring Preferred Savings | $0.00 | $6,750 | 3.0 / 5 | 8,194 |
| HealthSpring | H9725-009-1 | HealthSpring Preferred | $0.00 | $3,900 | 3.0 / 5 | 7,548 |
| Blue Cross and Blue Shield of North Carolina | H3449-027-2 | Blue Medicare Essential | $0.00 | $9,850 | 4.0 / 5 | 6,042 |
| Aetna Medicare | H3146-001-0 | Aetna Medicare Signature | $0.00 | $5,500 | 3.5 / 5 | 5,560 |
| HealthSpring | H9725-009-3 | HealthSpring Preferred | $0.00 | $4,450 | 3.0 / 5 | 4,983 |
| Alignment Health Plan | H5296-006-0 | Alignment Health Smart 006 | $0.00 | $3,400 | 4.5 / 5 | 4,576 |
| Aetna Medicare | H3146-004-0 | Aetna Medicare Signature | $0.00 | $6,750 | 3.5 / 5 | 3,672 |
| Devoted Health | H5299-002-0 | DEVOTED GIVEBACK 002 NC | $0.00 | $7,950 | 4.5 / 5 | 2,934 |
| Devoted Health | H5299-001-0 | DEVOTED CORE 001 NC | $0.00 | $4,050 | 4.5 / 5 | 2,576 |
Most-Enrolled HMO-POS Plans in North Carolina
In 2027, North Carolina offers 32 HMO-POS Medicare Advantage plans, which may allow certain out-of-network services under plan-specific rules. Among these plans, 25 have a $0 monthly premium. The average monthly premium is $10.20, and the average maximum out-of-pocket (MOOP) limit is $7,379.69. The average CMS star rating among rated HMO-POS plans is 4.08 out of 5. The table below ranks up to 10 plans by reported statewide enrollment.
| Provider | Plan ID | Plan Name | Premium | MOOP | Stars | Enrollment |
|---|---|---|---|---|---|---|
| Humana | H1036-335-2 | Humana Gold Plus H1036-335 | $0.00 | $3,950 | 4.5 / 5 | 72,219 |
| UnitedHealthcare | H5253-117-0 | AARP Medicare Advantage from UHC NC-15 | $0.00 | $4,450 | 4.0 / 5 | 60,415 |
| UnitedHealthcare | H5253-037-0 | AARP Medicare Advantage from UHC NC-0021 | $42.00 | $4,900 | 4.0 / 5 | 35,636 |
| Blue Cross and Blue Shield of North Carolina | H3449-023-2 | Blue Medicare Essential Plus | $0.00 | $7,000 | 4.0 / 5 | 32,826 |
| Blue Cross and Blue Shield of North Carolina | H3449-023-1 | Blue Medicare Essential Plus | $0.00 | $5,900 | 4.0 / 5 | 30,799 |
| Humana | H1036-335-1 | Humana Gold Plus H1036-335 | $0.00 | $4,100 | 4.5 / 5 | 28,267 |
| Blue Cross and Blue Shield of North Carolina | H3449-023-5 | Blue Medicare Essential Plus | $0.00 | $9,850 | 4.0 / 5 | 23,628 |
| UnitedHealthcare | H5253-038-0 | AARP Medicare Advantage from UHC NC-0022 | $0.00 | $5,900 | 4.0 / 5 | 17,937 |
| Humana | H1036-318-0 | Humana Gold Plus Giveback H1036-318 | $0.00 | $9,850 | 4.5 / 5 | 17,384 |
| UnitedHealthcare | H5253-040-0 | AARP Medicare Advantage Patriot No Rx NC-MA02 | $0.00 | $9,300 | 4.0 / 5 | 14,270 |
Most-Enrolled PFFS Plans in North Carolina
North Carolina has 1 Private Fee-for-Service (PFFS) Medicare Advantage plans for 2027. Of these, 0 have a $0 monthly plan premium. The average monthly premium is $43.00, and the average maximum out-of-pocket (MOOP) limit is $9,850.00. Among rated plans, the average CMS star rating is 4 out of 5. The following table lists up to 10 PFFS plans ranked by reported statewide enrollment.
| Provider | Plan ID | Plan Name | Premium | MOOP | Stars | Enrollment |
|---|---|---|---|---|---|---|
| Humana | H8145-004-0 | Humana Gold Choice H8145-004 | $43.00 | $9,850 | 4.0 / 5 | 662 |
- CMS.gov, Medicare Advantage & Special Needs Plan Landscape Source Files — Version: 202609
- CMS.gov, Medicare Part C & D Performance Data — Version: 2026
- CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Version: 2026-09
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Data sources and methodology documentation.
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Page content independently curated and maintained by David W. Bynon, Editorial Steward, using a standardized, data-driven methodology for accurate, non-commercial Medicare plan interpretation and resolution.
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