Speak with a licensed insurance agent

1-833-641-4938

TTY user 711 Mon-Fri : 8am-9pm EST

Medicare Advantage Plans Washington 2027

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

Washington residents can choose from Medicare Advantage HMO, PPO and Special Needs Plans for 2027, with options that vary by county from Seattle to Spokane.

Insurers offering plans in Washington include regional Blue Cross companies, Kaiser Permanente, UnitedHealthcare, Humana and others, depending on where you live. Nationally, the average 2027 Medicare Advantage premium falls to $12 a month, but many insurers are trimming plans and benefits, so compare before you renew. Seattle residents can also see Medicare Advantage plans in Seattle for 2027.

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

Key Highlights

✔

Washington offers Medicare Advantage HMO, PPO and Special Needs Plans; choices depend on your county.

✔

The national average 2027 Medicare Advantage premium is $12 a month, down from $14.37 (CMS).

✔

Plan choices are shrinking in 29 of 51 states and jurisdictions for 2027, so check whether your plan is continuing.

✔

Every Medicare Advantage plan has an annual out-of-pocket maximum, unlike Original Medicare.

✔

Annual Enrollment runs October 15 to December 7, 2026.

Compare plans and enroll online

Washington Medicare Advantage Plan Types

Key Takeaway

Your county decides which plans you can choose. Urban areas like King, Pierce and Snohomish counties usually have more options than rural counties.

Plan Type Flexibility Best For
HMO Use in-network doctors except emergencies; often need referrals Lower costs and coordinated care
PPO See out-of-network doctors at a higher cost People who want provider choice or travel
Special Needs Plans (SNPs) Built for specific groups Dual-eligible members or certain chronic conditions

Availability varies by county and insurer.

Insurers in Washington

Who Offers Plans

✔

Regional Blue Cross companies, including Regence BlueShield

✔

Kaiser Permanente, mainly in western Washington

✔

National insurers such as UnitedHealthcare, Humana and Aetna, depending on county

See Regence Medicare Advantage plans for 2027, Humana in Washington and Aetna in Washington.

Understanding Medicare Advantage Plans in Washington

What Changed for 2027

Key Takeaway

Average premiums are lower for 2027, but many insurers are cutting plans, counties and benefits, so the plan you have now may change.

$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. Read your Annual Notice of Change even if your plan is continuing.

Find & Compare Plans Online

Speak with a licensed insurance agent

1-833-641-4938TTY 711

Mon-Fri: 8am-9pm ET

What Washington Plans May Include

Plans May Include

✔

Hospital and medical coverage, the same as Original Medicare Part A and B

✔

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

✔

Routine dental, vision and hearing benefits

✔

Fitness programs and over-the-counter allowances

✔

An annual out-of-pocket maximum on every plan

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

How to Compare Washington Plans

Step by Step

1

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

2

Check your doctors and hospitals. Confirm each provider is in the 2027 network.

3

Check your prescriptions. Confirm each drug and its tier on the 2027 formulary.

4

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

5

Compare other insurers. Other companies may also serve your county.

6

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

You can also see the best Medicare Advantage plans in Washington.

Comparing Plan Benefits: Important Considerations

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.

Medicare Advantage vs Medigap in Washington

Medicare Advantage

✔

Lower premiums, often $0

✔

May include drug, dental and vision coverage

✔

Networks and copays, up to an annual maximum

Medicare Supplement (Medigap)

✔

Higher monthly premium

✔

Any doctor nationwide who accepts Medicare

✔

Predictable costs; separate Part D plan needed

Good to know: if 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

Washington offers a range of Medicare Advantage HMO, PPO and Special Needs Plans for 2027, but choices and costs vary widely by county. Review your Annual Notice of Change and compare your options during Annual Enrollment, October 15 to December 7, 2026.

Compare plans and enroll online

Frequently Asked Questions

➤ What Medicare Advantage plans are available in Washington for 2027?

Washington residents can choose HMO, PPO and Special Needs Plans from insurers such as regional Blue Cross companies, Kaiser Permanente, UnitedHealthcare and Humana, depending on county.

➤ What is the average Medicare Advantage premium for 2027?

Nationally, CMS reports the average 2027 Medicare Advantage premium is $12 a month, down from $14.37. Premiums in Washington vary by plan and county, and many plans have a $0 premium.

➤ Do Washington 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.

➤ What happens if my Washington plan is ending?

You will get a non-renewal letter and a Special Enrollment Period. Your coverage continues through December 31, 2026. If you do nothing, you return to Original Medicare without drug coverage.

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

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

TERMS & CONDITIONS | PRIVACY POLICY
This website and Medicare Supplement Insurance plans are not affiliated or connected with the Federal Medicare program or any other government agency. We do not offer every plan available in your area. Currently we represent 193 organizations which offer 4,624 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. Data represented is for the plan year 2027. Comparemedicareadvantageplans.org is a Website owned and operated by ZRN Health & Financial Services, LLC, a Texas limited liability company. *You must continue to pay your Medicare Part B premium. $0 premium plans may not be available in all areas. Not all plans offer all benefits mentioned. By submitting your information in the form and clicking ‘Find Plans’, you agree to this site’s privacy policy and expressly consent to be contacted at the number entered in the form, (including a wireless number if provided) by insurance professionals or other partners offering related offers that might be of interest to me by phone or email. You understand that these calls may be generated using an automatic telephone dialing system, a pre-recorded message or artificial voice, or by sending SMS messages. Your telephone company may impose additional charges on the subscriber for such messages. You understand that you are not required to provide this authorization to purchase goods or services. Receiving quotes through our website is always free and you are under no obligation to purchase any goods or services as a result of this request. The Medicare plans represented are PDP, HMO, PPO or PFFS plans with a Medicare contract. Enrollment in plans depends on contract renewal. Enrollment in a plan may be limited to certain times of the year unless you qualify for a special period or you are in your Medicare Initial Election Period. Deductibles, copay and coinsurance may apply. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY users should call 1-877-486-2048) 24 hours a day/7 days a week to get information on all of your options. MMR-658-2023 _Medisupps LP_Final