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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: October 4, 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.

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.

  • 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
14,664
Plans with the Highest Enrollment
(as of October 5, 2026)
1. Humana Gold Plus H1036-335 (HMO-POS) — 2,656 enrollees
2. AARP Medicare Advantage from UHC NC-15 (HMO-POS) — 1,939 enrollees
3. Aetna Medicare Signature (PPO) — 1,219 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
26
Average Monthly Premium
$14.40/mo
Total PPO Enrollment
3,730
$0 Premium PPO Plans
20
Average MOOP
$8,283
Top PPO by Enrollment
Aetna Medicare Signature (PPO) — 1,219 enrollees
PPO Plans Without Drug Coverage
9

PPO Medicare Advantage plan comparison – Rowan 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 $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?

Rowan County has 26 PPO plans for 2027, with 3,730 enrolled.

How much do PPO plans cost in Rowan?

The typical PPO premium in Rowan is $14.40, and 20 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
11
Average Monthly Premium
$0.00/mo
Total HMO Enrollment
2,163
$0 Premium HMO Plans
11
Average MOOP
$6,373
Top HMO by Enrollment
HealthSpring Preferred Savings (HMO) — 877 enrollees
HMO Plans Without Drug Coverage
1

HMO Medicare Advantage plan comparison – Rowan County, North Carolina, 2027
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 877 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 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 $7.08/mo
  • Total HMO-POS Enrollment 8,736
  • $0 Premium HMO-POS Plans 11
  • Average MOOP $6,927
  • Top HMO-POS by Enrollment Humana Gold Plus H1036-335 (HMO-POS) — 2,656 enrollees
  • HMO-POS Plans Without Drug Coverage 2

HMO-POS Medicare Advantage plan comparison – Rowan 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-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 total number of HMO-POS plans in Rowan?

There are 13 HMO-POS plans in 2027, covering 8,736 enrollees.

How much do HMO-POS plans cost in Rowan?

The average HMO-POS premium in Rowan is $7.08 per month, with 11 plans offering $0 premiums.

What is the leading HMO-POS plan in Rowan?

Humana Gold Plus H1036-335 (HMO-POS) is the top HMO-POS in Rowan, with 2,656 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
35
$0 Premium PFFS Plans
0
Average MOOP
$9,850
Top PFFS by Enrollment
Humana Gold Choice H8145-004 (PFFS) — 35 enrollees
PFFS Plans Without Drug Coverage
0

PFFS Medicare Advantage plan comparison – Rowan County, North Carolina, 2027
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 average monthly premium for PFFS plans?

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

Which PFFS plan is most popular in Rowan?

The most popular PFFS plan in Rowan is Humana Gold Choice H8145-004 (PFFS), with 35 enrollees.

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

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.

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

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.

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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