Medicare Advantage plans in Orange County, NC: what changed for 2027
For 2027, Orange County in North Carolina has 38 Medicare Advantage plans that include drug coverage, compared with 44 in 2026, according to the CMS plan landscape files.
Advantage plans with drug coverage38-6 from 2026
Advantage plans without drug coverage10no change
Special Needs Plans26-1 from 2026
$0 premium plans with drug coverage27-2 from 2026
Median out-of-pocket limit$6,7502026: $5,475
Plans rated 4 stars or more24-4 from 2026
9 Advantage plan IDs (not counting Special Needs or Cost plans) listed here for 2026 are not in the 2027 file and 3 plan IDs are new. Some of these are the same plan renamed or merged, so check the Annual Notice of Change from your plan.
How many people here are in Medicare Advantage
In October 2026, 14,627 of the 28,138 people eligible for Medicare in Orange County were enrolled in a Medicare Advantage or other Medicare health plan, 52.0%. A year earlier it was 14,362 of 27,437 (52.3%).
CMS counts enrollees in all Medicare health plans, including Advantage, cost and PACE plans, by the county where they live.
Before you choose a plan
Compare plans for your ZIP code, drugs and doctors on the official Medicare Plan Finder, or call 1-800-MEDICARE (1-800-633-4227). Free, unbiased counselling is available from your State Health Insurance Assistance Program at shiphelp.org.
Advantage plans with drug coverage for 2027 (38)
| Plan | Company | Type | Monthly premium | In-network out-of-pocket limit | Star rating |
|---|---|---|---|---|---|
| AARP Medicare Advantage Giveback from UHC NC-14 (HMO-POS) | UnitedHealthcare | HMO-POS | $0 | $9,500 | 4 of 5 |
| AARP Medicare Advantage from UHC NC-0017 (PPO) | UnitedHealthcare | PPO | $0 | $7,150 | 4 of 5 |
| AARP Medicare Advantage from UHC NC-0022 (HMO-POS) | UnitedHealthcare | HMO-POS | $0 | $5,900 | 4 of 5 |
| AARP Medicare Advantage from UHC NC-15 (HMO-POS) | UnitedHealthcare | HMO-POS | $0 | $4,450 | 4 of 5 |
| Aetna Medicare Signature (HMO) | Aetna Medicare | HMO | $0 | $6,750 | 3.5 of 5 |
| Aetna Medicare Signature (PPO) | Aetna Medicare | PPO | $0 | $5,900 | 4 of 5 |
| Aetna Medicare Signature Giveback (PPO) | Aetna Medicare | PPO | $0 | $7,500 | 4 of 5 |
| Aetna Medicare Value Plus (HMO) | Aetna Medicare | HMO | $0 | $5,500 | 3.5 of 5 |
| Alignment Health Platinum 010 (HMO) | Alignment Health Plan | HMO | $0 | $4,300 | 4.5 of 5 |
| Alignment Health Smart 006 (HMO) | Alignment Health Plan | HMO | $0 | $3,400 | 4.5 of 5 |
| Blue Medicare Essential (HMO) | Blue Cross and Blue Shield of North Carolina | HMO | $0 | $9,850 | 4 of 5 |
| Blue Medicare Essential Plus (HMO-POS) | Blue Cross and Blue Shield of North Carolina | HMO-POS | $0 | $7,000 | 4 of 5 |
| HealthSpring Preferred (HMO) | HealthSpring | HMO | $0 | $4,450 | 3 of 5 |
| HealthSpring Preferred Savings (HMO) | HealthSpring | HMO | $0 | $6,750 | 3 of 5 |
| HealthSpring True Choice (PPO) | HealthSpring | PPO | $0 | $7,150 | 3 of 5 |
| HealthTeam Advantage Plan I (PPO) | HealthTeam Advantage | PPO | $0 | $4,900 | 3.5 of 5 |
| HealthTeam Advantage Vitality Plan (PPO) | HealthTeam Advantage | PPO | $0 | $5,200 | 3.5 of 5 |
| Humana Gold Plus Giveback H1036-318 (HMO-POS) | Humana | HMO-POS | $0 | $9,850 | 4.5 of 5 |
| Humana Gold Plus Giveback H1036-343 (HMO-POS) | Humana | HMO-POS | $0 | $9,850 | 4.5 of 5 |
| Humana Gold Plus H1036-137 (HMO-POS) | Humana | HMO-POS | $0 | $9,850 | 4.5 of 5 |
| Humana Gold Plus H1036-335 (HMO-POS) | Humana | HMO-POS | $0 | $3,950 | 4.5 of 5 |
| Humana Gold Plus H6622-060 (HMO-POS) | Humana | HMO-POS | $0 | $9,850 | 4 of 5 |
| HumanaChoice Giveback H5525-035 (PPO) | Humana | PPO | $0 | $9,850 | 4 of 5 |
| Troy Medicare (HMO) | Troy Medicare | HMO | $0 | $4,950 | 3 of 5 |
| Wellcare Assist Open (PPO) | Wellcare | PPO | $0 | $6,500 | 3 of 5 |
| Wellcare Simple (HMO-POS) | Wellcare | HMO-POS | $0 | $6,700 | 3.5 of 5 |
| Wellcare Simple Open (PPO) | Wellcare | PPO | $0 | $7,150 | 3 of 5 |
| HumanaChoice H7617-122 (PPO) | Humana | PPO | $13.00 | $9,850 | 4.5 of 5 |
| HumanaChoice H5525-070 (PPO) | Humana | PPO | $13.30 | $9,850 | 4 of 5 |
| Alignment Health AVA 001 (PPO) | Alignment Health Plan | PPO | $20.00 | $3,900 | Not Enough Data Available |
| HealthTeam Advantage Plan II (PPO) | HealthTeam Advantage | PPO | $34.00 | $4,700 | 3.5 of 5 |
| AARP Medicare Advantage from UHC NC-0021 (HMO-POS) | UnitedHealthcare | HMO-POS | $42.00 | $4,900 | 4 of 5 |
| Blue Medicare Enhanced (HMO-POS) | Blue Cross and Blue Shield of North Carolina | HMO-POS | $50.00 | $4,900 | 4 of 5 |
| HumanaChoice H5525-049 (PPO) | Humana | PPO | $52.00 | $9,850 | 4 of 5 |
| AARP Medicare Advantage from UHC NC-0016 (PPO) | UnitedHealthcare | PPO | $53.00 | $4,450 | 4 of 5 |
| HumanaChoice H5216-211 (PPO) | Humana | PPO | $67.00 | $9,850 | 4 of 5 |
| Blue Medicare PPO Enhanced (PPO) | Blue Cross and Blue Shield of North Carolina | PPO | $70.00 | $6,900 | 4.5 of 5 |
| Humana Full Access (Regional PPO) | Humana | Regional PPO | $158.00 | $9,850 | 3.5 of 5 |
Advantage plans without drug coverage for 2027 (10)
| Plan | Company | Type | Monthly premium | In-network out-of-pocket limit | Star rating |
|---|---|---|---|---|---|
| AARP Medicare Advantage Patriot No Rx NC-MA02 (HMO-POS) | UnitedHealthcare | HMO-POS | Not listed | $9,300 | 4 of 5 |
| Aetna Medicare Eagle (PPO) | Aetna Medicare | PPO | Not listed | $7,150 | 4 of 5 |
| Blue Medicare Freedom+ (PPO) | Blue Cross and Blue Shield of North Carolina | PPO | Not listed | $9,850 | 4.5 of 5 |
| Blue Medicare Medical Only (HMO-POS) | Blue Cross and Blue Shield of North Carolina | HMO-POS | Not listed | $3,900 | 4 of 5 |
| HealthSpring Courage (HMO) | HealthSpring | HMO | Not listed | $6,750 | 3 of 5 |
| HealthTeam Advantage Eagle Plan (PPO) | HealthTeam Advantage | PPO | Not listed | $8,500 | 3.5 of 5 |
| Humana USAA Honor Giveback (PPO) | Humana | PPO | Not listed | $9,850 | 4 of 5 |
| Humana USAA Honor Giveback (Regional PPO) | Humana | Regional PPO | Not listed | $9,850 | 3.5 of 5 |
| HumanaChoice R0110-004 (Regional PPO) | Humana | Regional PPO | Not listed | $9,850 | 3.5 of 5 |
| Wellcare Patriot Giveback Open (PPO) | Wellcare | PPO | Not listed | $8,850 | 3 of 5 |
Special Needs Plans for 2027 (26)
| Plan | Company | Type | Monthly premium | In-network out-of-pocket limit | Star rating |
|---|---|---|---|---|---|
| Aetna Medicare Full Dual (HMO D-SNP) | Aetna Medicare | HMO D-SNP · Dual-Eligible | $0 | $9,850 | 3.5 of 5 |
| Aetna Medicare Full Dual Care (HMO D-SNP) | Aetna Medicare | HMO D-SNP · Dual-Eligible | $0 | $9,850 | 3.5 of 5 |
| Alignment Health Heart & Diabetes 011 (HMO C-SNP) | Alignment Health Plan | HMO C-SNP · Chronic or Disabling Condition | $0 | $3,400 | 4.5 of 5 |
| Humana Dual Select H1036-307 (HMO D-SNP) | Humana | HMO D-SNP · Dual-Eligible | $0 | $9,850 | 4.5 of 5 |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) | Humana | HMO C-SNP · Chronic or Disabling Condition | $0 | $9,850 | 4.5 of 5 |
| Humana Gold Plus SNP-DE H1036-167 (HMO D-SNP) | Humana | HMO D-SNP · Dual-Eligible | $0 | $9,850 | 4.5 of 5 |
| Humana Gold Plus SNP-DE H1036-331 (HMO D-SNP) | Humana | HMO D-SNP · Dual-Eligible | $0 | $9,850 | 4.5 of 5 |
| Liberty Medicare Advantage (HMO C-SNP) | Liberty Medicare Advantage | HMO C-SNP · Chronic or Disabling Condition | $0 | $3,800 | 3.5 of 5 |
| UHC Complete Care NC-28 (HMO-POS C-SNP) | UnitedHealthcare | HMO-POS C-SNP · Chronic or Disabling Condition | $0 | $4,450 | 4 of 5 |
| UHC Dual Complete NC-Q1 (PPO D-SNP) | UnitedHealthcare | PPO D-SNP · Dual-Eligible | $0 | $9,850 | 3.5 of 5 |
| UHC Dual Complete NC-Q2 (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP · Dual-Eligible | $0 | $9,850 | 4 of 5 |
| UHC Dual Complete NC-S2 (PPO D-SNP) | UnitedHealthcare | PPO D-SNP · Dual-Eligible | $0 | $9,850 | 3.5 of 5 |
| Wellcare Carolina Complete Dual Liberty (HMO-POS D-SNP) | Wellcare | HMO-POS D-SNP · Dual-Eligible | $0 | $9,850 | 3.5 of 5 |
| Wellcare Carolina Complete Dual Liberty Open (PPO D-SNP) | Wellcare | PPO D-SNP · Dual-Eligible | $0 | $9,850 | 3 of 5 |
| UHC Dual Complete NC-S3 (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP · Dual-Eligible | $3.80 | $9,850 | 4 of 5 |
| Alignment Health Heart & Diabetes Plus 009 (HMO-POS C-SNP) | Alignment Health Plan | HMO-POS C-SNP · Chronic or Disabling Condition | $4.80 | $9,850 | 4.5 of 5 |
| Healthy Blue + Medicare (HMO-POS D-SNP) | Blue Cross and Blue Shield of North Carolina | HMO-POS D-SNP · Dual-Eligible | $13.20 | $9,850 | 3 of 5 |
| Alignment Health Duals+ 004 (HMO-POS D-SNP) | Alignment Health Plan | HMO-POS D-SNP · Dual-Eligible | $13.30 | $9,850 | 4.5 of 5 |
| HealthSpring TotalCare (HMO D-SNP) | HealthSpring | HMO D-SNP · Dual-Eligible | $13.30 | $9,850 | 3 of 5 |
| HealthSpring TotalCare Plus (HMO D-SNP) | HealthSpring | HMO D-SNP · Dual-Eligible | $13.30 | $9,850 | 3 of 5 |
| Humana Dual Select H5525-072 (PPO D-SNP) | Humana | PPO D-SNP · Dual-Eligible | $13.30 | $9,850 | 4 of 5 |
| Liberty Medicare Advantage Nursing Home Plan (HMO I-SNP) | Liberty Medicare Advantage | HMO I-SNP · Institutional | $13.30 | $6,800 | 3.5 of 5 |
| Troy Medicare for Dual-eligible Beneficiaries (HMO D-SNP) | Troy Medicare | HMO D-SNP · Dual-Eligible | $13.30 | $9,850 | 3 of 5 |
| UHC Dual Advantage NC-V1 (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP · Dual-Eligible | $13.30 | $5,900 | 4 of 5 |
| Wellcare Carolina Complete Dual Reserve (HMO-POS D-SNP) | Wellcare | HMO-POS D-SNP · Dual-Eligible | $13.30 | $9,250 | 3.5 of 5 |
| Liberty Medicare Dual Plan (HMO D-SNP) | Liberty Medicare Advantage | HMO D-SNP · Dual-Eligible | $17.50 | $7,550 | 3.5 of 5 |
Stand-alone Part D drug plans are offered statewide: see North Carolina drug plans.
Sources
- Centers for Medicare & Medicaid Services, CY2027 Medicare Advantage and Part D Landscape file (data last updated 18 October 2026)
- Centers for Medicare & Medicaid Services, CY2026 Medicare Advantage and Part D Landscape file (September 2026 release)
- Centers for Medicare & Medicaid Services, MA State/County Penetration files, October 2026 and October 2025
Checked 29 October 2026. Plans and premiums can change before 1 January 2027. Confirm any plan on Medicare.gov before you enrol.