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    Medicare Advantage by State in 2027: What Your State Offers and What a Bad Year Costs

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    Where you live decides more about your Medicare Advantage options than almost anything else. We aggregated the CMS CY2027 Landscape file for all 50 states and the District of Columbia and ranked them by the median in-network out-of-pocket maximum, the cap that decides what a serious health year can cost. The median plan in California caps the year at $2,900. In Georgia the median cap is $9,850, more than three times higher, inside the same federal program. Goulson Insurance Services, an independent agency in Los Angeles, built this table so you can see where your state stands before you compare plans.

    All 50 states and DC, ranked by median out-of-pocket maximum

    General enrollment plans are distinct non-SNP plan offerings, counted at the plan segment level. $0 premium counts general enrollment plans with a zero dollar consolidated monthly premium. Source: CMS CY2027 Medicare Advantage and Part D Landscape source file, release 202609.

    StatePlansSpecial Needs Plans$0 premium plans$0 shareMedian out-of-pocket max
    California25913517668%$2,900
    Nevada58404984%$3,950
    Florida30825228894%$4,200
    Illinois109308174%$5,200
    Arizona90588089%$5,450
    Kansas60204982%$5,500
    Missouri113619181%$5,500
    Wisconsin89284247%$5,650
    New Mexico39223282%$5,900
    Ohio134468362%$5,900
    Massachusetts79182937%$6,000
    Michigan131506348%$6,000
    Colorado65395585%$6,050
    Oklahoma52293771%$6,050
    Tennessee105507571%$6,200
    Louisiana70545376%$6,300
    Iowa51232549%$6,450
    Alabama65484569%$6,500
    Minnesota53131426%$6,500
    Texas22819318380%$6,500
    Idaho33111133%$6,700
    Utah33182473%$6,700
    Arkansas54304583%$6,750
    Indiana98427273%$6,750
    Montana194842%$6,750
    Rhode Island139754%$6,750
    Washington71444361%$6,750
    Mississippi51514078%$6,900
    Kentucky80435569%$6,925
    North Carolina120599680%$6,950
    Nebraska34182265%$7,000
    Wyoming80450%$7,075
    Oregon69264261%$7,100
    Pennsylvania2677113450%$7,100
    Connecticut27211556%$7,150
    Delaware24141563%$7,150
    District of Columbia114545%$7,150
    Hawaii3791951%$7,150
    Maine32181444%$7,150
    New Hampshire155960%$7,150
    North Dakota185528%$7,150
    South Dakota217524%$7,150
    Vermont50360%$7,150
    Virginia106427874%$7,150
    West Virginia51193059%$7,150
    Maryland30171447%$7,500
    South Carolina68295175%$9,250
    New Jersey56153359%$9,750
    New York145795941%$9,750
    Georgia99628081%$9,850
    Alaska000No individual plans

    Key findings

    • The median in-network out-of-pocket maximum ranges from $2,900 in California to $9,850 in Georgia. Someone in Georgia who picks the middle plan in the market accepts an annual exposure about 3.4 times higher than someone in California who does the same.
    • Compared with 2026, the median out-of-pocket maximum is higher everywhere with individual plans except California and Maryland, where it held steady. It went down nowhere.
    • Georgia is the only state where the median plan sets its out-of-pocket limit at $9,850, the highest limit that appears anywhere in the 2027 file. Four more states have a median at or above $7,500: New Jersey and New York at $9,750, South Carolina at $9,250 and Maryland at $7,500.
    • Plan choice shrinks for 2027: 3,853 general enrollment plan offerings counted state by state, down from 4,137 in 2026, with fewer plans in 37 states and DC. Florida still offers the most, 308, ahead of Pennsylvania with 267, while Vermont offers 5 and Alaska has no individual Medicare Advantage plans in the CMS file, so Alaskans on Medicare rely on Original Medicare, alone or with Medigap or employer coverage.
    • Nationally, 67 percent of general enrollment plan offerings charge a $0 consolidated monthly premium, against 66 percent in 2026. Florida is highest at 94 percent and Arizona next at 89 percent, while South Dakota is lowest at 24 percent.
    • Florida has the most Special Needs Plans, 252, ahead of Texas with 193 and California with 135. SNPs serve people on both Medicare and Medicaid, people with qualifying chronic conditions, and people who live in a nursing home or need that level of care, and are counted separately from the general enrollment figures above.

    Standalone Part D drug plans by state, 2027

    Standalone prescription drug plans pair with Original Medicare or a Medigap policy. Benchmark plans are the basic plans CMS can place people with Extra Help in automatically; people with the full Extra Help subsidy pay no premium in them. Most have a basic premium at or below the regional threshold. The rest are basic plans CMS still designates for automatic enrollment, such as the lowest premium basic plan in regions where no plan comes in that low. Plans that volunteer to waive a small amount above the threshold for people with Extra Help are not counted. Median premium is the total monthly premium across each state's plans. Same CMS source file as the table above.

    StateDrug plansBenchmark plansMedian monthly premium
    Wisconsin81$10.85
    Arizona93$22.30
    Oregon81$23.35
    Washington81$23.35
    Louisiana83$26.70
    New Mexico101$29.80
    Hawaii83$32.20
    Iowa93$33.30
    Minnesota93$33.30
    Montana93$33.30
    Nebraska93$33.30
    North Dakota93$33.30
    South Dakota93$33.30
    Wyoming93$33.30
    Delaware92$36.60
    District of Columbia92$36.60
    Maryland92$36.60
    Maine82$37.70
    New Hampshire82$37.70
    Oklahoma92$40.00
    Ohio93$42.00
    Michigan111$49.80
    South Carolina81$50.20
    Kansas124$59.30
    Idaho82$63.70
    Utah82$63.70
    Pennsylvania81$65.05
    West Virginia81$65.05
    Indiana82$74.35
    Kentucky82$74.35
    Alaska93$83.80
    Illinois102$84.60
    Missouri92$85.10
    Nevada91$86.60
    Arkansas111$98.30
    Virginia91$100.80
    Texas101$104.70
    Mississippi91$109.20
    Alabama112$110.40
    Tennessee112$110.40
    Colorado82$114.40
    Connecticut103$114.75
    Massachusetts103$114.75
    Rhode Island103$114.75
    Vermont103$114.75
    New Jersey112$120.50
    Florida111$126.00
    North Carolina112$130.20
    Georgia91$145.70
    California101$150.55
    New York92$169.30

    Every state and DC offers between 8 and 12 standalone drug plans in 2027, a far narrower spread than Medicare Advantage, where general enrollment plan counts run from none in Alaska to 308 in Florida. The median standalone plan premium is higher than in 2026 in 42 of the 50 states and DC. It ranges from $10.85 in Wisconsin to $169.30 in New York, and in California it is $150.55, up from $107.00. Benchmark plans, the basic plans CMS can place people with Extra Help in automatically and that charge people with full Extra Help no premium, number 1 to 4 in every state and DC, but 33 states have fewer than in 2026 and 16 now have only one. In 14 states, including California, Florida and Texas, no plan's basic premium is at or below the regional benchmark for 2027, so CMS treats the lowest premium basic plan in each of them as the benchmark plan.

    Methodology

    We downloaded the CMS CY2027 Medicare Advantage and Part D Landscape source file, release 202609, and aggregated it by state. Plan counts are distinct plan segments offered in each state, split into general enrollment plans and Special Needs Plans using the CMS SNP indicator. A plan counts as $0 premium when its consolidated monthly premium, Part C plus Part D, is zero, or when a plan without drug coverage has a zero Part C premium. The median out-of-pocket maximum is computed across each state's general enrollment plans using the in-network figure CMS publishes for each plan. Counts describe distinct plans offered somewhere in the state; not every plan is available in every county, and territories are not included. The Los Angeles County subset of this same pipeline was verified against figures CMS published for Los Angeles County.

    This table is published under a Creative Commons BY 4.0 license. Journalists and researchers may reuse it with attribution to Goulson Insurance Services and a link to this page.

    Lara Goulson is licensed in California, Nevada, Texas, Arizona, Florida, Hawaii, Idaho, Arkansas, Colorado, Michigan, New York, and Kansas. Call (818) 472-5484 for a plan comparison at no cost.

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    Questions about these numbers

    The out-of-pocket maximum, often written MOOP, is the most you can be required to pay in a calendar year for covered in-network medical services on a Medicare Advantage plan. Once your deductibles, copays, and coinsurance for covered Part A and Part B services reach that cap, the plan pays 100 percent of covered medical costs for the rest of the year. It does not include your monthly premiums, your prescription drug costs, or services the plan does not cover. Original Medicare by itself has no out-of-pocket maximum at all, which is exactly why this number matters: the cap is the plan's answer to what a serious illness can cost you. Two plans with identical premiums can carry caps thousands of dollars apart, so we treat the out-of-pocket maximum as the second number to compare, right after checking that your doctors are in the network.

    Competition and provider costs drive the spread. In states with many competing plans and large managed care networks, such as California, carriers compete for enrollees by lowering the cap, and the median there is $2,900. In states with fewer plans, more rural counties, or higher provider costs, carriers protect themselves by setting caps near the highest level the program allows, and the median climbs above $9,000, as it does in Georgia, New Jersey, New York and South Carolina. Federal rules only set the ceiling; every plan chooses its own number underneath it. That is why the same program produces a $2,900 median in one state and $9,850 in another, and why comparing the specific plans in your county matters more than any national average.

    No. A $0 premium means the plan charges nothing on top of the Part B premium you already pay to Medicare, and about two thirds of general enrollment plans in our 2027 table are priced that way. You still pay the plan's deductibles, copays, and coinsurance when you use care, and if you have a bad health year those costs continue until you hit the plan's out-of-pocket maximum. That is why a $0 premium plan with a $9,000 cap can end up costing far more than a plan with a modest premium and a $3,000 cap. The premium is what you pay every month; the out-of-pocket maximum is what you risk every year. We compare both, along with your doctors and drug list, before recommending anything.

    By the numbers in the CMS file, California has the lowest median out-of-pocket maximum in 2027, $2,900, with 259 general enrollment plans and 68 percent of them at a $0 premium. Nevada has the second lowest median cap, $3,950, with 84 percent at $0. Florida offers the most plans, 308, and 94 percent of them charge no premium. At the other end, Vermont has only 5 individual plans and Alaska has none, so many people on Medicare there build their coverage on Original Medicare, alone or with Medigap, employer coverage or Medicaid. Which plan fits you still comes down to whether a specific plan includes your doctors and prices your prescriptions well, which is a county-level and person-level question, not a state ranking.

    It tells you what your state's market looks like, not what your plan will cost you. These are statewide medians and counts across every plan in the CMS file; your county offers a subset of those plans, and your costs depend on the specific plan you choose, the doctors you see, and the medications you take. Someone in Los Angeles County can choose from a very different plan list than someone in a rural county in the same state. Use the table to understand your starting position, then compare the actual plans at your ZIP code. A licensed independent agent can run that comparison for you at no cost, and your premium is the same whether you enroll through an agent or on your own. We do not offer every plan available in your area. Currently we represent 14 organizations which offer 93 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

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    Medicare Advantage and Part D disclaimer

    We do not offer every plan available in your area. Currently we represent 14 organizations which offer 93 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. Not connected with or endorsed by the United States Government or the federal Medicare program. This website is a solicitation for insurance. Goulson Insurance Services Inc., CA Business Entity License #6020069. Lara Goulson, CA License #0E69969, NPN 8407942.

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