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Blue Cross Medicare Advantage Plans 2027

Reviewed by Russell Noga, Licensed Medicare Insurance Broker (all 50 states) — Last updated October 8, 2026

Blue Cross Medicare Advantage plans for 2027 are offered by independent Blue Cross Blue Shield companies, each in its own states. Most are continuing for 2027, but some are cutting counties and states.

Which Blue Cross plans you can choose depends entirely on where you live. Health Care Service Corporation (HCSC), Anthem, Highmark, Regence, Excellus, Blue Cross of Idaho and others each run their own plans. See Is Blue Cross leaving Medicare Advantage in 2027? for the full list of exits.

✔ Licensed in all 50 states
✔ Based on CMS 2027 data
✔ Free plan comparison

Key Highlights

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Blue Cross is a group of independent companies, so plans, networks and costs differ by state.

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HCSC (Blue Cross of Illinois, Texas, Oklahoma, New Mexico and Montana) is shrinking its Medicare Advantage footprint from 948 counties to about 478 for 2027.

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Anthem is pulling standard plans from 56 counties and exiting South Carolina.

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Blue Cross of Idaho is expanding from 24 to 35 counties.

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Many Blue Cross PPO plans give access to the nationwide BlueCard network.

Compare plans and enroll online

Who Offers Blue Cross Medicare Advantage Plans?

Key Takeaway

There is no single “Blue Cross.” Your local Blue Cross Blue Shield company decides which Medicare Advantage plans are offered in your area.

Blue Cross Company Main States 2027 Change
HCSC IL, TX, OK, NM, MT 948 counties down to about 478; exiting CT, KS, MT, NY, OR, UT and D.C.
Anthem (Elevance Health) 14 states incl. CA, NY, OH, GA, IN Leaving 56 counties; exiting South Carolina
Highmark PA, DE, WV, parts of NY Continuing; check your Annual Notice of Change
Blue Cross of Idaho ID Expanding from 24 to 35 counties
Other Blues Varies Most continuing; benefits may change

Source: CMS 2027 Medicare Advantage landscape (September 28, 2026) and industry analysis.

What Blue Cross Plans May Include

Plans May Include

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Part D prescription drug coverage (2027 out-of-pocket cap: $2,400)

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Routine dental, vision and hearing benefits

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Fitness programs and over-the-counter allowances

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Nationwide BlueCard access on many PPO plans

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An annual out-of-pocket maximum on every plan

Not all plans offer all benefits. Benefits vary by plan and area and can change for 2027.

Understanding Medicare Advantage: An Overview

Blue Cross HMO vs PPO Plans

HMO Plans

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Usually lower premiums and copays

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Must use in-network doctors except emergencies

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Often need referrals for specialists

PPO Plans

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See out-of-network doctors at a higher cost

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Usually no referrals needed

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Many include nationwide BlueCard access

If flexibility matters, see Blue Cross Medicare Advantage PPO plans for 2027.

Find & Compare Plans Online

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What Changed Across Medicare Advantage for 2027

Key Takeaway

Average premiums are lower, but plan choices are shrinking in many states and some costs are rising.

$12 a Month

Average 2027 Medicare Advantage premium, down from $14.37 (CMS).

5,532 Plans

Medicare Advantage plans available nationwide for 2027, nearly flat from 5,553.

29 of 51

States and jurisdictions where plan choices are shrinking for 2027.

Watch for: many 2027 plans are raising out-of-pocket maximums and drug deductibles. The maximum Part D deductible rises to $700 for 2027.

How to Choose a Blue Cross Plan for 2027

Step by Step

1

Read your Annual Notice of Change. It lists every change to your current plan for 2027.

2

Check your doctors. Networks can change each year, even if your plan stays.

3

Check your drugs. Confirm each prescription and its tier on the 2027 formulary.

4

Compare total costs. Premium, deductible and out-of-pocket maximum together.

5

Compare other insurers too. Other companies may offer a better fit in your ZIP code.

6

Enroll by December 7. Your new coverage starts January 1, 2027.

Read Blue Cross Medicare Advantage reviews or is Blue Cross Medicare Advantage a good plan? for more.

Understanding Costs and Coverage

Key 2027 Dates

Key 2027 Dates

1

October 1: plan-level 2027 details went live on Medicare Plan Finder.

2

October 15: Annual Enrollment opens. You can join, switch or drop a plan.

3

December 7: Annual Enrollment closes. Choose by this date for January 1 coverage.

4

January 1, 2027: your new plan starts. January 1 to March 31 is the Medicare Advantage Open Enrollment Period for one more change.

If Your Blue Cross Plan Is Ending

Key Takeaway

Your coverage continues through December 31, 2026, and you get a Special Enrollment Period to pick a new plan.

Watch for: if you do nothing, you return to Original Medicare on January 1, 2027, without drug coverage.

Option to consider: when your Medicare Advantage plan leaves your area, you generally have a guaranteed issue right to buy certain Medicare Supplement plans without health questions.

Conclusion

The Bottom Line

Blue Cross Medicare Advantage plans for 2027 depend on your local Blue Cross company. Most are continuing, HCSC and Anthem are cutting back, and some smaller Blues are growing. Compare your options during Annual Enrollment, October 15 to December 7, 2026.

Compare plans and enroll online

Frequently Asked Questions

➤ Who offers Blue Cross Medicare Advantage plans?

Independent Blue Cross Blue Shield companies, such as HCSC, Anthem, Highmark, Regence, Excellus and Blue Cross of Idaho. Which plans you can choose depends on where you live.

➤ Are Blue Cross Medicare Advantage plans changing for 2027?

Some are. HCSC is shrinking from 948 counties to about 478 and Anthem is leaving 56 counties and South Carolina, while Blue Cross of Idaho is expanding. Check your Annual Notice of Change for your plan.

➤ Can I use my Blue Cross plan in other states?

Many Blue Cross PPO plans include access to the nationwide BlueCard network, but HMO plans usually cover only emergency and urgent care outside your area. Check your plan details.

➤ Do Blue Cross Medicare Advantage plans include dental and vision?

Many plans may include routine dental, vision and hearing benefits, but not all plans offer all benefits, and amounts can change for 2027.

➤ When can I enroll in a 2027 Blue Cross Medicare Advantage plan?

Annual Enrollment runs October 15 to December 7, 2026, with coverage starting January 1, 2027.

Have Questions?

Speak with a licensed insurance agent

1-833-641-4938

TTY users 711

Mon-Fri: 8am-9pm ET

Find & Compare Plans Online

Speak with a licensed insurance agent

1-833-641-4938TTY 711

Mon-Fri: 8am-9pm ET

ZRN Health & Financial Services, LLC, a Texas limited liability company

( Medicare Expert )

Russell Noga is the CEO of ZRN Health & Financial Services, and head content editor of several Medicare insurance online publications. He has over 15 years of experience as a licensed Medicare insurance broker helping Medicare beneficiaries learn about Medicare, Medicare Advantage Plans, Medigap insurance, and Medicare Part D prescription drug plans.

CompareMedicareAdvantagePlans.org
215 RR 620 South Austin, TX 78734

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