UnitedHealthcare Medicare Advantage Plans 2027

UnitedHealthcare Medicare Advantage plans combine your Medicare Part A and Part B coverage, usually include Part D drug coverage, and may include extras like dental, vision and hearing, depending on the plan and area. Every plan has an annual out-of-pocket maximum.

For 2027, UnitedHealthcare is reshaping its lineup. It is leaving some counties, and fewer members will have access to both an HMO and a PPO. Industry analysts also report UHC plans raising out-of-pocket maximums, drug deductibles and premiums more than most competitors. If you have a UHC plan, check your Annual Notice of Change carefully and compare before December 7.

Medicare Advantage plans are offered by private insurance companies, such as UHC, under contract with Medicare. Every plan must cover everything Original Medicare Part A (hospital) and Part B (medical) covers, including preventive care. Most plans also include Part D prescription drug coverage.

You still pay your Medicare Part B premium ($202.90 per month in 2026), plus any plan premium. Many plans have a $0 plan premium. In return, you use the plan’s network of doctors and hospitals and pay copays or coinsurance when you get care.

The main benefits of Medicare Advantage include:

The trade-off is the network. Most plans require you to use in-network providers, or pay more to go out of network.

UnitedHealthcare, part of UnitedHealth Group, offers more Medicare Advantage plans in more counties than any other company. Here is what is available for 2027 and what is changing.

Depending on where you live, UnitedHealthcare’s 2027 lineup may include:

Plan names, costs and benefits vary by county, and not all plans offer all benefits. Enter your ZIP code to see the UHC plans available where you live.

UnitedHealthcare is focused on improving profitability after higher medical costs across the industry. For 2027 that means:

If your UHC plan is ending, you will receive a non-renewal letter, and your coverage continues through December 31, 2026. If it is continuing, your Annual Notice of Change lists what is different.

UnitedHealthcare plans vary by county in their networks, premiums, copays and extra benefits. Two plans with the same name in different counties can have very different costs, so always compare the specific plan available at your ZIP code.

Every UnitedHealthcare Medicare Advantage plan covers everything Original Medicare covers, including hospital stays, doctor visits, preventive care, lab work and medical equipment. Depending on the plan and area, 2027 UHC plans may also include:

Not all plans offer all benefits, and allowance amounts may change for 2027. Check the plan’s Summary of Benefits before you enroll.

Your true cost of a UnitedHealthcare plan is more than the premium. Compare these for 2027:

Compare the total of premium, out-of-pocket maximum and drug costs, not the premium alone.

Some UHC plans have a $0 premium but a higher out-of-pocket maximum and copays. Others charge a premium in exchange for lower costs when you use care. If you expect a lot of doctor visits or a hospital stay, a plan with a lower out-of-pocket maximum may cost less overall, even with a premium.

Costs vary by county, so compare the actual 2027 UHC plans at your ZIP code alongside plans from other companies, such as Humana and Blue Cross. See the best 2027 Medicare Advantage plans for a side-by-side look.

Here is who can join a UnitedHealthcare Medicare Advantage plan for 2027, and when.

To join a UnitedHealthcare Medicare Advantage plan, you must:

You can enroll:

Enter your ZIP code to compare 2027 UnitedHealthcare plans and other Medicare Advantage plans in your area, or call the number on this page to speak with a licensed agent.

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