2027 plan year · Washington
2027 Medicare Advantage plans in Whatcom County, WA
28 plans from 5 insurers for 2027. 6 general plans have a $0 monthly premium. The lowest in-network out-of-pocket limit is $5,100.
- 9general plans
- 6$0-premium plans
- $5,100lowest out-of-pocket max
- 4.5 ★top star rating
- 19Special Needs Plans
2027 Medicare Advantage plans in Whatcom County, WA
Sorted by Medicare star rating, then monthly premium and out-of-pocket limit. Premiums shown are the plan's own premium; you also keep paying your Part B premium.
| Plan | Monthly premium | Out-of-pocket max | Drug deductible | Star rating |
|---|---|---|---|---|
| AARP Medicare Advantage Patriot No RX WA-MA3 (PPO) UnitedHealthcare · PPO · no drug coverage | $0 | $7,150 | — | ★★★★★4.5 |
| Humana USAA Honor Giveback (PPO) Humana · PPO · no drug coverage | $0 | $9,150 | — | ★★★★★4.5 |
| AARP Medicare Advantage from UHC WA-18 (PPO) UnitedHealthcare · PPO · includes drug coverage | $10 | $7,150 | $685 | ★★★★★4.5 |
| HumanaChoice H7617-016 (PPO) Humana · PPO · includes drug coverage | $110 | $7,000 | $700 | ★★★★★4.5 |
| Humana USAA Honor Giveback (PPO) Humana · PPO · no drug coverage | $0 | $5,100 | — | ★★★★★4 |
| Humana Total Complete (HMO) Humana · HMO · includes drug coverage | $0 | $6,310 | $400 | ★★★★★4 |
| Humana USAA Honor Giveback (PPO) Humana · PPO · no drug coverage | $0 | $9,150 | — | ★★★★★4 |
| HumanaChoice H5216-048 (PPO) Humana · PPO · includes drug coverage | $97 | $7,000 | $700 | ★★★★★4 |
| AARP Medicare Advantage Patriot No Rx WA-MA02 (HMO-POS) UnitedHealthcare · HMO-POS · no drug coverage | $0 | $7,150 | — | ★★★★★3.5 |
Special Needs Plans (SNPs)
Only for people who qualify: Dual-Eligible plans need both Medicare and Medicaid, Chronic Condition plans need a qualifying condition, and Institutional plans are for nursing home residents.
| Plan | Monthly premium | Out-of-pocket max | Drug deductible | Star rating |
|---|---|---|---|---|
| UHC Nursing Home Plan WA-F001 (PPO I-SNP) UnitedHealthcare · PPO I-SNP (Special Needs: Institutional) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★5 |
| UHC Care Advantage WA-E001 (PPO I-SNP) UnitedHealthcare · PPO I-SNP (Special Needs: Institutional) · includes drug coverage | $6.30 | $4,000 | $270 | ★★★★★5 |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) Humana · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $4,550 | $500 | ★★★★★4.5 |
| UHC Dual Complete WA-Q1 (PPO D-SNP) UnitedHealthcare · PPO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $210 | ★★★★★4.5 |
| UHC Dual Complete WA-S5 (PPO D-SNP) UnitedHealthcare · PPO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $335 | ★★★★★4.5 |
| UHC Dual Advantage WA-V2 (PPO D-SNP) UnitedHealthcare · PPO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $6.30 | $6,700 | $700 | ★★★★★4.5 |
| Humana Dual Select H5619-165 (HMO D-SNP) Humana · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★4 |
| Humana Dual Select H5619-166 (HMO D-SNP) Humana · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★4 |
| Humana Gold Plus SNP-DE H5619-167 (HMO D-SNP) Humana · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★4 |
| UHC Dual Advantage WA-V1 (HMO-POS D-SNP) UnitedHealthcare · HMO-POS D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $6,700 | $555 | ★★★★★3.5 |
| UHC Complete Care Support WA-1A (HMO-POS C-SNP) UnitedHealthcare · HMO-POS C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $9,850 | $230 | ★★★★★3.5 |
| UHC Dual Complete WA-Q2 (HMO-POS D-SNP) UnitedHealthcare · HMO-POS D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $75 | ★★★★★3.5 |
| UHC Dual Complete WA-S6 (HMO-POS D-SNP) UnitedHealthcare · HMO-POS D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $595 | ★★★★★3.5 |
| Community Health Plan of WA Dual Complete (HMO D-SNP) Community Health Plan of WA Medicare Advantage · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $6.30 | $9,850 | $700 | ★★★★★3.5 |
| Community Health Plan of WA Dual Select (HMO D-SNP) Community Health Plan of WA Medicare Advantage · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $6.30 | $9,850 | $700 | ★★★★★3.5 |
| Molina Medicare Complete Care (HMO D-SNP) Molina Healthcare of Washington, Inc. · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $6.30 | $9,850 | $700 | ★★★★★3 |
| Molina Medicare Elect (HMO D-SNP) Molina Healthcare of Washington, Inc. · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $8.10 | $8,875 | $700 | ★★★★★3 |
| Wellcare Coordinated Care Dual Access (HMO-POS D-SNP) Wellcare · HMO-POS D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★2.5 |
| Wellcare Coordinated Care Dual Liberty Sync (HMO D-SNP) Wellcare · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★2.5 |
What changed from 2026 to 2027
- 5 plans are new here for 2027.
- 22 plans offered here in 2026 aren't listed for 2027 (for example Wellcare Giveback (HMO-POS), Wellcare Dual Reserve (HMO-POS D-SNP), Wellcare Simple (HMO-POS)). If yours is one of them, the plan should send you a notice explaining your options.
- Of the 23 plans offered both years, 3 raised the monthly premium and 11 lowered it.
Compared by plan ID. Plans that were renamed or merged into another plan may appear as new or ended.
Care quality in Whatcom County
Medicare Advantage plans use networks. Before choosing, check that the hospitals and nursing homes you'd want are in the plan's network, and how they're rated.
Other coverage options
- Stand-alone Part D drug plans in Washington (for people with Original Medicare)
- Medicare Advantage vs. Original Medicare
Frequently asked questions
How many Medicare Advantage plans are available in Whatcom County, WA for 2027?
28 plans from 5 insurers: 9 general plans open to anyone with Medicare Parts A and B who lives here, plus 19 Special Needs Plans for people who qualify.
Are there $0-premium Medicare Advantage plans in Whatcom County, WA?
Yes. 6 general plans have a $0 monthly plan premium for 2027. You still pay your Medicare Part B premium, and copays and coinsurance still apply.
What is the highest-rated Medicare Advantage plan in Whatcom County, WA?
AARP Medicare Advantage Patriot No RX WA-MA3 (PPO) from UnitedHealthcare has the top Medicare star rating here (4.5 stars). Star ratings are given to the insurer's contract, so several plans can share one.
Which plan has the lowest out-of-pocket maximum in Whatcom County, WA?
Humana USAA Honor Giveback (PPO) caps in-network out-of-pocket costs at $5,100 for 2027.