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  1. 🏠
  2. Medicare Advantage Plans
  3. North Carolina
  4. Durham County

2027 Medicare Advantage Plans in Durham County, NC

Last update: October 4, 2026.

In Durham County, NC, there are 41 Medicare Advantage plans available for 2027. Of these, 33 offer a $0 monthly premium, and about 61% are rated 4 stars or higher based on CMS quality ratings.

Medicare Advantage Special Needs Plans (SNPs) are not included in the figures shown above. View Special Needs Plans in Durham County, NC. Or explore all Medicare Options available in Durham County, NC.

  • PPO Plans
  • HMO Plans
  • HMO-POS Plans

At a Glance

County-level summary of Medicare Advantage plan availability and enrollment based on CMS data.

Average Monthly Premium
$11.62/mo
Plans with $0 Premium
33
Average MOOP Limit
$7,771 ($9,250 max. in 2027)
Star Ratings (Plan Mix)
4+ Stars: 61% · 3 Stars: 39% · Below 3: 0%
Average Part D Deductible
$609.03
Total MA/MAPD Enrollment
14,772
Plans with the Highest Enrollment
(as of October 5, 2026)
1. Blue Medicare Essential Plus (HMO-POS) — 2,489 enrollees
2. Humana Gold Plus H1036-335 (HMO-POS) — 2,148 enrollees
3. AARP Medicare Advantage from UHC NC-15 (HMO-POS) — 1,965 enrollees

Medicare Advantage PPO Plans

Preferred Provider Organization (PPO) plans allow members to use both in-network and out-of-network providers. Out-of-network care typically costs more, but PPOs offer greater flexibility in how care is accessed.

Total PPO Plans
21
Average Monthly Premium
$20.30/mo
Total PPO Enrollment
3,103
$0 Premium PPO Plans
14
Average MOOP
$8,445
Top PPO by Enrollment
Aetna Medicare Signature (PPO) — 798 enrollees
PPO Plans Without Drug Coverage
7

PPO Medicare Advantage plan comparison – Durham County, North Carolina, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Blue Medicare Freedom+
☆☆☆☆☆
$0 $9,850 N/A H3404-004-0
Blue Medicare PPO Enhanced
☆☆☆☆☆
$70 $6,900 $700 H3404-003-2
HumanaChoice H7617-122
☆☆☆☆☆
$13 $9,850 $700 H7617-122-0
AARP Medicare Advantage from UHC NC-0016
☆☆☆☆☆
$53 $4,450 $595 H2406-034-0
AARP Medicare Advantage from UHC NC-0017
☆☆☆☆☆
$0 $7,150 $685 H2406-098-0
Aetna Medicare Eagle
☆☆☆☆☆
$0 $7,150 N/A H5521-241-0
Aetna Medicare Signature
☆☆☆☆☆
$0 $9,850 $700 H5521-609-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $9,850 N/A H5525-065-0
HumanaChoice Giveback H5525-035
☆☆☆☆☆
$0 $9,850 $700 H5525-035-0
HumanaChoice H5216-211
☆☆☆☆☆
$67 $9,850 $700 H5216-211-0
HumanaChoice H5525-049
☆☆☆☆☆
$52 $9,850 $450 H5525-049-0
HumanaChoice H5525-070
☆☆☆☆☆
$13 $9,850 $700 H5525-070-0
HealthTeam Advantage Eagle Plan
☆☆☆☆☆
$0 $8,500 N/A H9808-009-0
HealthTeam Advantage Vitality Plan
☆☆☆☆☆
$0 $5,200 $595 H9808-010-0
Humana Full Access
☆☆☆☆☆
$158 $9,850 $700 R0110-005-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $9,850 N/A R0110-006-0
HumanaChoice R0110-004
☆☆☆☆☆
$0 $9,850 N/A R0110-004-0
HealthSpring True Choice
☆☆☆☆☆
$0 $7,150 $500 H7849-113-4
Wellcare Assist Open
☆☆☆☆☆
$0 $6,500 $700 H1914-009-0
Wellcare Patriot Giveback Open
☆☆☆☆☆
$0 $8,850 N/A H1914-011-0
Wellcare Simple Open
☆☆☆☆☆
$0 $7,150 $700 H1914-007-0
What is the total number of PPO plans offered in Durham?

Durham County has 21 PPO plans for 2027, with 3,103 enrolled.

How much do PPO plans cost in Durham?

The typical PPO premium in Durham is $20.30, and 14 plans have no monthly premium.

Medicare Advantage HMO Plans

HMO plans typically require members to use in-network providers and facilities, except in emergencies. In return, HMOs often offer lower monthly premiums and reduced cost-sharing.

Total HMO Plans
7
Average Monthly Premium
$0.00/mo
Total HMO Enrollment
1,971
$0 Premium HMO Plans
7
Average MOOP
$6,429
Top HMO by Enrollment
Aetna Medicare Signature (HMO) — 982 enrollees
HMO Plans Without Drug Coverage
1

HMO Medicare Advantage plan comparison – Durham County, North Carolina, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Blue Medicare Essential
☆☆☆☆☆
$0 $9,850 $700 H3449-027-2
Aetna Medicare Signature
☆☆☆☆☆
$0 $6,750 $500 H3146-004-0
Aetna Medicare Value Plus
☆☆☆☆☆
$0 $5,500 $400 H3146-006-0
HealthSpring Courage
☆☆☆☆☆
$0 $6,750 N/A H9725-005-0
HealthSpring Preferred
☆☆☆☆☆
$0 $4,450 $400 H9725-009-4
HealthSpring Preferred Savings
☆☆☆☆☆
$0 $6,750 $600 H9725-015-4
Troy Medicare
☆☆☆☆☆
$0 $4,950 $0 H4676-001-0
What is the average monthly premium for HMO plans?
HMO plans in Durham cost $0.00 per month on average.
Which HMO plan is most popular in Durham?
The most popular HMO plan in Durham is Aetna Medicare Signature (HMO), with 982 enrollees.
How many HMO plans in Durham do not include drug coverage?
There are 1 HMO plans in Durham without prescription drug coverage.

Medicare Advantage HMO-POS Plans

HMO Point-of-Service (HMO-POS) plans combine HMO network requirements with limited out-of-network access. Care outside the network typically costs more, but HMO-POS plans provide added flexibility compared with standard HMOs.

  • Total HMO-POS Plans 13
  • Average Monthly Premium $3.85/mo
  • Total HMO-POS Enrollment 9,698
  • $0 Premium HMO-POS Plans 12
  • Average MOOP $7,404
  • Top HMO-POS by Enrollment Blue Medicare Essential Plus (HMO-POS) — 2,489 enrollees
  • HMO-POS Plans Without Drug Coverage 2

HMO-POS Medicare Advantage plan comparison – Durham County, North Carolina, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Humana Gold Plus Giveback H1036-318
☆☆☆☆☆
$0 $9,850 $700 H1036-318-0
Humana Gold Plus Giveback H1036-343
☆☆☆☆☆
$0 $9,850 $700 H1036-343-0
Humana Gold Plus H1036-137
☆☆☆☆☆
$0 $9,850 $450 H1036-137-0
Humana Gold Plus H1036-335
☆☆☆☆☆
$0 $3,950 $700 H1036-335-2
AARP Medicare Advantage from UHC NC-0007
☆☆☆☆☆
$0 $7,150 $685 H5253-039-0
AARP Medicare Advantage from UHC NC-15
☆☆☆☆☆
$0 $4,450 $685 H5253-117-0
AARP Medicare Advantage Giveback from UHC NC-14
☆☆☆☆☆
$0 $9,500 $685 H5253-110-0
AARP Medicare Advantage Patriot No Rx NC-MA02
☆☆☆☆☆
$0 $9,300 N/A H5253-040-0
Blue Medicare Enhanced
☆☆☆☆☆
$50 $4,900 $700 H3449-024-2
Blue Medicare Essential Plus
☆☆☆☆☆
$0 $7,000 $700 H3449-023-2
Blue Medicare Medical Only
☆☆☆☆☆
$0 $3,900 N/A H3449-012-0
Humana Gold Plus H6622-060
☆☆☆☆☆
$0 $9,850 $450 H6622-060-0
Wellcare Simple
☆☆☆☆☆
$0 $6,700 $700 H4073-001-0
What is the total number of HMO-POS plans in Durham?

There are 13 HMO-POS plans in 2027, covering 9,698 enrollees.

How much do HMO-POS plans cost in Durham?

The average HMO-POS premium in Durham is $3.85 per month, with 12 plans offering $0 premiums.

What is the leading HMO-POS plan in Durham?

Blue Medicare Essential Plus (HMO-POS) is the top HMO-POS in Durham, with 2,489 enrollees.

What is the number of HMO-POS plans without Part D coverage in Durham?

2 HMO-POS plans in Durham do not include prescription drug coverage.

The table below shows CMS star ratings for Medicare Advantage plans in Durham County, NC for 2027.

CMS Star Ratings for Medicare Advantage Plans in Durham County, NC (2027)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 25 61%
3 Stars 16 39%
Below 3 Stars 0 0%
Not Rated 0 0%
Average Rating 3.79

* Medicare Advantage star ratings are determined by CMS each year using a standardized 5-star rating system.

Primary CMS datasets used for this Medicare Advantage Plan county resource.
Data Source Publisher CMS Version
Landscape Source Files Centers for Medicare & Medicaid Services CY2027 Landscape (202609.1)
Medicare Part C & D Performance Centers for Medicare & Medicaid Services 2027 Star Ratings Data Tables
Plan Benefits Package Centers for Medicare & Medicaid Services PBP Benefits-2027
Monthly Enrollment by Contract/Plan/State/County Centers for Medicare & Medicaid Services 2026-09

This page presents county-level Medicare Advantage (MA/MAPD) data, including plan counts, enrollment totals, averages, and percentage distributions, derived from CMS datasets using a standardized aggregation approach.

Data sources and methodology documentation.

Secondary Medicare references and explanatory resources.
Publisher Reference Last Accessed
Medicare.gov Compare types of Medicare Advantage Plans 25 May, 2025
Medicare.gov Your coverage options 25 May, 2025
AARP.org The Big Choice: Original Medicare vs. Medicare Advantage 25 May, 2025

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Data provenance documentation is maintained in alignment with the U.S. Core Data for Interoperability (USCDI) Provenance standard .

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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