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

2027 Medicare Advantage Plans in Rowan County, NC

Last update: November 7, 2026.

In Rowan County, NC, there are 51 Medicare Advantage plans available for 2027. Of these, 42 offer a $0 monthly premium, and about 71% are rated 4 stars or higher based on CMS quality ratings.

  • PPO Plans
  • HMO Plans
  • HMO-POS Plans
  • PFFS Plans

At a Glance

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

Average Monthly Premium
$9.99/mo
Plans with $0 Premium
42
Average MOOP Limit
$7,556 ($9,250 max. in 2027)
Star Ratings (Plan Mix)
4+ Stars: 71% · 3 Stars: 29% · Below 3: 0%
Average Part D Deductible
$616.23
Total MA/MAPD Enrollment
14,694
Plans with the Highest Enrollment
(as of November 10, 2026)
1. Humana Gold Plus H1036-335 (HMO-POS) — 2,647 enrollees
2. AARP Medicare Advantage from UHC NC-15 (HMO-POS) — 1,929 enrollees
3. Aetna Medicare Signature (PPO) — 1,221 enrollees

Medicare Advantage Special Needs Plans (SNPs) are not included in the figures shown above. View Special Needs Plans in Rowan County, NC. Or explore all Medicare Options available in Rowan County, NC. To understand how local plans fit into the broader market, visit our North Carolina Medicare Advantage plan directory for statewide plan counts, premiums, out-of-pocket limits, CMS ratings, and enrollment data.

Medicare Advantage PPO Plans

Preferred Provider Organization (PPO) plans allow access to both in-network and out-of-network providers. Out-of-network care usually costs more, but PPOs offer greater flexibility in choosing doctors and hospitals.

  • Total PPO Plans 26
  • Average Monthly Premium $14.40/mo
  • Total PPO Enrollment 3,748
  • $0 Premium PPO Plans 20
  • Average MOOP $8,283
  • Top PPO by Enrollment Aetna Medicare Signature (PPO) — 1,221 enrollees
  • PPO Plans Without Drug Coverage 9

Comparison table of 2027 PPO Medicare Advantage Plans available in Rowan County, North Carolina
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 $5,900 $500 H5521-081-0
Aetna Medicare Signature Giveback
☆☆☆☆☆
$0 $7,500 $700 H5521-348-0
DEVOTED CHOICE 001 NC
☆☆☆☆☆
$0 $6,150 $461 H9700-001-0
DEVOTED CHOICE GIVEBACK 002 NC
☆☆☆☆☆
$0 $9,250 $461 H9700-002-0
DEVOTED CHOICE MA ONLY 007 NC
☆☆☆☆☆
$0 $9,250 N/A H9700-007-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $9,850 N/A H5525-065-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $9,850 N/A H5216-343-0
HumanaChoice Giveback H5216-017
☆☆☆☆☆
$0 $9,850 $700 H5216-017-0
HumanaChoice Giveback H5525-035
☆☆☆☆☆
$0 $9,850 $700 H5525-035-0
HumanaChoice H5216-211
☆☆☆☆☆
$67 $9,850 $700 H5216-211-0
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 $7,100 $500 H7849-113-1
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 Rowan?

There are 26 PPO plans in 2027, covering 3,748 beneficiaries.

How much do PPO plans cost in Rowan?

The average PPO premium in Rowan is $14.40 per month, with 20 plans offering $0 premiums.

What is the most popular PPO plan in Rowan?

Aetna Medicare Signature (PPO) is the top PPO in Rowan, with 1,221 enrollees.

What is the number of PPO plans without Part D coverage in Rowan?

There are 9 PPO plans in Rowan without prescription drug coverage.

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
11
Average Monthly Premium
$0.00/mo
Total HMO Enrollment
2,203
$0 Premium HMO Plans
11
Average MOOP
$6,373
Top HMO by Enrollment
HealthSpring Preferred Savings (HMO) — 895 enrollees
HMO Plans Without Drug Coverage
1

Comparison table of 2027 HMO Medicare Advantage Plans available in Rowan County, North Carolina
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Alignment Health Platinum 012
☆☆☆☆☆
$0 $3,500 $225 H5296-012-0
Alignment Health Smart 013
☆☆☆☆☆
$0 $6,500 $700 H5296-013-0
DEVOTED CORE 037 NC
☆☆☆☆☆
$0 $4,950 $650 H5299-037-0
DEVOTED GIVEBACK 012 NC
☆☆☆☆☆
$0 $9,850 $461 H5299-012-0
DEVOTED GIVEBACK EXTRAS 039 NC
☆☆☆☆☆
$0 $7,050 $700 H5299-039-0
Blue Medicare Essential
☆☆☆☆☆
$0 $9,850 $700 H3449-027-2
Aetna Medicare Signature
☆☆☆☆☆
$0 $5,500 $400 H3146-001-0
Aetna Medicare Value Plus
☆☆☆☆☆
$0 $5,500 $400 H3146-006-0
HealthSpring Courage
☆☆☆☆☆
$0 $6,750 N/A H9725-005-0
HealthSpring Preferred
☆☆☆☆☆
$0 $3,900 $400 H9725-009-1
HealthSpring Preferred Savings
☆☆☆☆☆
$0 $6,750 $600 H9725-015-1

What is the average monthly premium for HMO plans?

HMO plans in Rowan cost $0.00 per month on average.

Which HMO plan is most popular in Rowan?

The most popular HMO plan in Rowan is HealthSpring Preferred Savings (HMO), with 895 enrollees.

How many HMO plans in Rowan do not include drug coverage?

There are 1 HMO plans in Rowan without prescription drug coverage.

Medicare Advantage HMO-POS Plans

HMO Point-of-Service (HMO-POS) plans combine HMO network rules 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
$7.08/mo
Total HMO-POS Enrollment
8,710
$0 Premium HMO-POS Plans
11
Average MOOP
$6,927
Top HMO-POS by Enrollment
Humana Gold Plus H1036-335 (HMO-POS) — 2,647 enrollees
HMO-POS Plans Without Drug Coverage
2

Comparison table of 2027 HMO-POS Medicare Advantage Plans available in Rowan County, North Carolina
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-0021
☆☆☆☆☆
$42 $4,900 $595 H5253-037-0
AARP Medicare Advantage from UHC NC-0022
☆☆☆☆☆
$0 $5,900 $685 H5253-038-0
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
Wellcare Simple
☆☆☆☆☆
$0 $6,700 $700 H4073-001-0
What is the leading HMO-POS plan in Rowan?

Humana Gold Plus H1036-335 (HMO-POS) is the top HMO-POS in Rowan, with 2,647 enrollees.

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

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

Medicare Advantage PFFS Plans

PFFS plans allow members to visit any Medicare-approved provider who accepts the plan’s payment terms. This offers broader choice than network-based plans, but coverage depends on provider participation, so acceptance should be confirmed in advance.

Total PFFS Plans
1
Average Monthly Premium
$43.00/mo
Total PFFS Enrollment
33
$0 Premium PFFS Plans
0
Average MOOP
$9,850
Top PFFS by Enrollment
Humana Gold Choice H8145-004 (PFFS) — 33 enrollees
PFFS Plans Without Drug Coverage
0

Comparison table of 2027 PFFS Medicare Advantage Plans available in Rowan County, North Carolina
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Humana Gold Choice H8145-004
☆☆☆☆☆
$43 $9,850 $700 H8145-004-0

What is the typical premium for PFFS plans in Rowan?

PFFS plans in Rowan cost $43.00 per month on average.

Which PFFS plan has the most enrollment in Rowan?

The most popular PFFS plan in Rowan is Humana Gold Choice H8145-004 (PFFS), with 33 enrollees.

How many PFFS options are available without prescription drug coverage in Rowan?

There are 0 PFFS plans in Rowan without prescription drug coverage.

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

CMS Star Ratings for Medicare Advantage Plans in Rowan County, NC (2027)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 36 71%
3 Stars 15 29%
Below 3 Stars 0 0%
Not Rated 0 0%
Average Rating 3.9

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

Medicare Advantage plans listed on this page are available to eligible beneficiaries residing in Rowan County, North Carolina, including communities such as Cleveland, Woodleaf, China Grove, Gold Hill, Landis, Mount Ulla, Rockwell, Salisbury, Spencer, and other areas throughout the county. Plan availability is determined by county of residence, not by city.

  • 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: 2026-10

County-level figures shown on this page, including plan counts, enrollment totals, averages, and percentage distributions, reflect standard Medicare Advantage (MA/MAPD) plans only and are derived from CMS datasets using a standardized aggregation methodology.

Data sources and methodology documentation .

  • Medicare.gov, "Compare types of Medicare Advantage Plans" — Last accessed 25 May, 2025
  • Medicare.gov, "Your coverage options" — Last accessed 25 May, 2025
  • Medicare.gov, "Joining a plan" — Last accessed 25 May, 2025

MedicarePlans.com is an independent, non-government informational resource and is not affiliated with or endorsed by the U.S. Government or the federal Medicare program.

This page follows data provenance practices aligned with the 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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