Medicare
Medicare Plans 2027
Medicare Advantage (MA, MA-PD) and Part D (PDP) plans by county, from CMS public files. Pick a state, then search for your doctor to see which Medicare Advantage plans list them in their public provider directory.
Drug list (Part D cost estimate)
Find your doctor: which Medicare Advantage plans list them?
In-network status comes from each Medicare Advantage organization's public provider directory (CMS-required Plan-Net). Directories can be out of date and a plan not listed here may still cover the doctor: always confirm with the plan and the doctor's office before enrolling. Directory data is loaded for 1,572 of 5,561 2027 Medicare Advantage plans nationwide ("Unknown" = no directory loaded for that plan); organizations whose directory needs a developer registration are not loaded yet. "Estimated" means we matched the plan to the directory by name rather than by its CMS plan id. See coverage by organization.
78 plans. Premiums are monthly.
| Plan | Type | Monthly premium | vs 2026 | Drug deductible | MOOP | Stars | PCP / specialist | Extras | Drug list | Provider network |
|---|---|---|---|---|---|---|---|---|---|---|
| Peak Advantage Vista (PPO) Peak Health - H8947_001_1 |
MA-PD PPO |
$0.00 | $0.00 vs 2026 | $0.00 | $7,500.00 | 5.0 | - / $25.00 | Dental, Vision, Hearing | Loaded | Not loaded |
| Peak Advantage Vista (PPO) Peak Health - H8947_001_2 |
MA-PD PPO |
$0.00 | $0.00 vs 2026 | $0.00 | $7,500.00 | 5.0 | - / $25.00 | Dental, Vision, Hearing | Loaded | Not loaded |
| Peak Advantage Vista (PPO) Peak Health - H8947_001_4 |
MA-PD PPO |
$0.00 | $0.00 vs 2026 | $0.00 | $7,500.00 | 5.0 | - / $25.00 | Dental, Vision, Hearing | Loaded | Not loaded |
| Humana Essentials Plus Giveback (PPO) Humana - H7617_065_0 |
MA-PD PPO |
$0.00 | $0.00 vs 2026 | $700.00 | $9,850.00 | 4.5 | $0.00 / $50.00 | Dental, Vision, Hearing | Loaded | Loaded 513,591 providers |
| Humana Together in Health (PPO I-SNP) Humana - H7617_139_0Institutional |
MA-PD PPO I-SNP |
$0.00 | - | $50.00 | $9,850.00 | 4.5 | $0.00 / - | Dental, Vision, Hearing | Loaded | Loaded 513,591 providers |
| UHC Dual Complete WV-Q1 (PPO D-SNP) UnitedHealthcare - H2001_030_0Dual-Eligible |
MA-PD PPO D-SNP |
$0.00 | -$31.00 (-100.0%) vs 2026 | $700.00 | $9,850.00 | 4.5 | - / - | Dental, Vision, Hearing | Loaded | Not loaded |
| UHC Dual Complete WV-S2 (PPO D-SNP) UnitedHealthcare - H2001_082_0Dual-Eligible |
MA-PD PPO D-SNP |
$0.00 | -$32.50 (-100.0%) vs 2026 | $465.00 | $9,850.00 | 4.5 | - / - | Dental, Vision, Hearing | Loaded | Not loaded |
| AARP Medicare Advantage from UHC WV-5 (HMO-POS) UnitedHealthcare - H4604_033_0 |
MA-PD HMO-POS |
$0.00 | - | $685.00 | $7,150.00 | 4.0 | $0.00 / $0.00 | Dental, Vision, Hearing | Loaded | Not loaded |
| AARP Medicare Advantage from UHC WV-6 (HMO-POS) UnitedHealthcare - H4604_034_0 |
MA-PD HMO-POS |
$0.00 | - | $685.00 | $8,500.00 | 4.0 | $0.00 / $0.00 | Dental, Vision, Hearing | Loaded | Not loaded |
| AARP Medicare Advantage Patriot No Rx WV-MA2 (HMO-POS) UnitedHealthcare - H4604_036_0 |
MA HMO-POS |
$0.00 | - | n/a | $9,300.00 | 4.0 | $0.00 / $0.00 | Dental, Vision, Hearing | None | Not loaded |
| Aetna Medicare Advantra Classic Giveback (PPO) Aetna Medicare - H1608_031_0 |
MA-PD PPO |
$0.00 | $0.00 vs 2026 | $400.00 | $9,250.00 | 4.0 | $0.00 / $45.00 | Dental, Vision, Hearing | Loaded | Not loaded |
| Aetna Medicare Advantra Signature Classic (PPO) Aetna Medicare - H1608_040_0 |
MA-PD PPO |
$0.00 | $0.00 vs 2026 | $400.00 | $9,850.00 | 4.0 | $0.00 / $40.00 | Dental, Vision, Hearing | Loaded | Not loaded |
| Aetna Medicare Advantra Signature Giveback (PPO) Aetna Medicare - H5521_729_0 |
MA-PD PPO |
$0.00 | - | $400.00 | $9,250.00 | 4.0 | $0.00 / $45.00 | Dental, Vision, Hearing | Loaded | Not loaded |
| Humana Dual Select H5619-126 (HMO-POS D-SNP) Humana - H5619_126_0Dual-Eligible |
MA-PD HMO-POS D-SNP |
$0.00 | $0.00 vs 2026 | $700.00 | $9,850.00 | 4.0 | $0.00 / $30.00 | Dental, Vision, Hearing | Loaded | Loaded 89,879 providers |
| Humana Gold Choice H8145-052 (PFFS) Humana - H8145_052_0 |
MA-PD PFFS |
$0.00 | $0.00 vs 2026 | $700.00 | $9,850.00 | 4.0 | $0.00 / $45.00 | Dental, Vision, Hearing | Loaded | Loaded 86,406 providers |
| Humana Gold Plus H5619-113 (HMO-POS) Humana - H5619_113_0 |
MA-PD HMO-POS |
$0.00 | $0.00 vs 2026 | $350.00 | $8,100.00 | 4.0 | $0.00 / $40.00 | Dental, Vision, Hearing | Loaded | Loaded 93,081 providers |
| Humana Gold Plus SNP-DE H5619-162 (HMO-POS D-SNP) Humana - H5619_162_0Dual-Eligible |
MA-PD HMO-POS D-SNP |
$0.00 | $0.00 vs 2026 | $700.00 | $9,850.00 | 4.0 | - / - | Dental, Vision, Hearing | Loaded | Loaded 89,879 providers |
| Humana Gold Plus SNP-DE H5619-179 (HMO-POS D-SNP) Humana - H5619_179_0Dual-Eligible |
MA-PD HMO-POS D-SNP |
$0.00 | -$3.70 (-100.0%) vs 2026 | $700.00 | $9,850.00 | 4.0 | - / - | Dental, Vision, Hearing | Loaded | Loaded 89,879 providers |
| Humana USAA Honor Giveback (PPO) Humana - H5216_225_0 |
MA PPO |
$0.00 | $0.00 vs 2026 | n/a | $6,500.00 | 4.0 | $0.00 / $45.00 | Dental, Vision, Hearing | None | Loaded 513,591 providers |
| Humana USAA Honor Giveback (PPO) Humana - H5216_442_0 |
MA PPO |
$0.00 | $0.00 vs 2026 | n/a | $9,150.00 | 4.0 | $0.00 / $45.00 | Dental, Vision, Hearing | None | Loaded 513,591 providers |
| Humana Value Choice (PPO) Humana - H5216_327_0 |
MA-PD PPO |
$0.00 | $0.00 vs 2026 | $500.00 | $9,850.00 | 4.0 | $0.00 / $40.00 | Dental, Vision, Hearing | Loaded | Loaded 513,591 providers |
| HumanaChoice Giveback H5216-328 (PPO) Humana - H5216_328_0 |
MA-PD PPO |
$0.00 | $0.00 vs 2026 | $700.00 | $9,850.00 | 4.0 | $0.00 / $50.00 | Dental, Vision, Hearing | Loaded | Loaded 513,591 providers |
| HumanaChoice SNP-DE H5216-220 (PPO D-SNP) Humana - H5216_220_0Dual-Eligible |
MA-PD PPO D-SNP |
$0.00 | -$28.10 (-100.0%) vs 2026 | $350.00 | $9,850.00 | 4.0 | - / - | Dental, Vision, Hearing | Loaded | Loaded 513,591 providers |
| UHC Complete Care WV-7 (HMO-POS C-SNP) UnitedHealthcare - H4604_037_0Chronic or Disabling Condition |
MA-PD HMO-POS C-SNP |
$0.00 | - | $685.00 | $7,150.00 | 4.0 | $0.00 / $0.00 | Dental, Vision, Hearing | Loaded | Not loaded |
| Aetna Medicare Advantra Eagle Plus (HMO) Aetna Medicare - H1692_006_0 |
MA HMO |
$0.00 | $0.00 vs 2026 | n/a | $6,900.00 | 3.5 | $0.00 / $10.00 | Dental, Vision, Hearing | None | Not loaded |
| Aetna Medicare Advantra Elite (HMO) Aetna Medicare - H1692_003_0 |
MA-PD HMO |
$0.00 | $0.00 vs 2026 | $400.00 | $9,250.00 | 3.5 | $0.00 / $20.00 | Dental, Vision, Hearing | Loaded | Not loaded |
| Aetna Medicare Advantra Signature (HMO) Aetna Medicare - H1692_002_0 |
MA-PD HMO |
$0.00 | $0.00 vs 2026 | $400.00 | $7,150.00 | 3.5 | $0.00 / $30.00 | Dental, Vision, Hearing | Loaded | Not loaded |
| Aetna Medicare Full Dual (HMO D-SNP) Aetna Medicare - H1692_005_0Dual-Eligible |
MA-PD HMO D-SNP |
$0.00 | $0.00 vs 2026 | $700.00 | $9,850.00 | 3.5 | - / - | Dental, Vision, Hearing | Loaded | Not loaded |
| Aetna Medicare Full Dual Extra (HMO D-SNP) Aetna Medicare - H1692_011_0Dual-Eligible |
MA-PD HMO D-SNP |
$0.00 | - | $700.00 | $9,850.00 | 3.5 | - / - | Dental, Vision, Hearing | Loaded | Not loaded |
| Aetna Medicare Partial Dual (HMO D-SNP) Aetna Medicare - H1692_010_0Dual-Eligible |
MA-PD HMO D-SNP |
$0.00 | - | $700.00 | $9,850.00 | 3.5 | - / - | Dental, Vision, Hearing | Loaded | Not loaded |
| Aetna Medicare Signature (HMO) Aetna Medicare - H1692_007_0 |
MA-PD HMO |
$0.00 | $0.00 vs 2026 | $400.00 | $9,250.00 | 3.5 | $0.00 / $35.00 | Dental, Vision, Hearing | Loaded | Not loaded |
| Complete Blue PPO Signature (PPO) Highmark Blue Cross Blue Shield - H5106_030_1 |
MA-PD PPO |
$0.00 | $0.00 vs 2026 | $700.00 | $7,150.00 | 3.5 | - / $45.00 | Dental, Vision, Hearing | Loaded | Not loaded |
| Complete Blue PPO Signature (PPO) Highmark Blue Cross Blue Shield - H5106_030_2 |
MA-PD PPO |
$0.00 | $0.00 vs 2026 | $700.00 | $7,150.00 | 3.5 | - / $45.00 | Dental, Vision, Hearing | Loaded | Not loaded |
| Complete Blue PPO Signature (PPO) Highmark Blue Cross Blue Shield - H5106_030_3 |
MA-PD PPO |
$0.00 | $0.00 vs 2026 | $700.00 | $7,150.00 | 3.5 | - / $50.00 | Dental, Vision, Hearing | Loaded | Not loaded |
| Freedom Blue PPO Valor (PPO) Highmark Blue Cross Blue Shield - H5106_038_0 |
MA PPO |
$0.00 | $0.00 vs 2026 | n/a | $6,000.00 | 3.5 | - / $10.00 | Dental, Vision, Hearing | None | Not loaded |
| HumanaChoice R0110-007 (Regional PPO) Humana - R0110_007_0 |
MA Regional PPO |
$0.00 | $0.00 vs 2026 | n/a | $4,750.00 | 3.5 | $0.00 / $35.00 | Dental, Vision, Hearing | None | Not loaded |
| The Health Plan SecureCare Integrity Plan 1 (HMO) The Health Plan - H3672_021_0 |
MA HMO |
$0.00 | $0.00 vs 2026 | n/a | $7,500.00 | 3.5 | $15.00 / $45.00 | Dental, Vision, Hearing | None | Not loaded |
| AARP Medicare Advantage from UHC WV-0003 (PPO) UnitedHealthcare - H8211_006_0 |
MA-PD PPO |
$0.00 | $0.00 vs 2026 | $685.00 | $7,150.00 | 3.0 | $0.00 / $0.00 | Dental, Vision, Hearing | Loaded | Not loaded |
| AARP Medicare Advantage Patriot No Rx WV-MA01 (PPO) UnitedHealthcare - H8211_005_0 |
MA PPO |
$0.00 | $0.00 vs 2026 | n/a | $9,850.00 | 3.0 | $0.00 / $0.00 | Dental, Vision, Hearing | None | Not loaded |
| The Health Plan SecureChoice Optimum (PPO) The Health Plan - H8604_014_2 |
MA-PD PPO |
$0.00 | $0.00 vs 2026 | $425.00 | $7,000.00 | 3.0 | - / $45.00 | Dental, Vision, Hearing | Loaded | Not loaded |
| Wellpoint Dual Advantage (HMO D-SNP) Wellpoint - H1212_002_0Dual-Eligible |
MA-PD HMO D-SNP |
$0.00 | -$32.70 (-100.0%) vs 2026 | $105.00 | $6,440.00 | - | $0.00 / $25.00 | Dental, Vision, Hearing | Loaded | Not loaded |
| Wellpoint Full Dual Advantage (HMO D-SNP) Wellpoint - H1212_001_0Dual-Eligible |
MA-PD HMO D-SNP |
$0.00 | -$32.70 (-100.0%) vs 2026 | $360.00 | $9,850.00 | - | - / - | Dental, Vision, Hearing | Loaded | Not loaded |
| Wellpoint Medicare Advantage (HMO-POS) Wellpoint - H1212_003_0 |
MA-PD HMO-POS |
$0.00 | $0.00 vs 2026 | $325.00 | $9,250.00 | - | $0.00 / $45.00 | Dental, Vision, Hearing | Loaded | Not loaded |
| Wellcare Value Script (PDP) Wellcare - S4802_141_0 |
PDP PDP |
$5.30 | -$2.90 (-35.4%) vs 2026 | $700.00 | n/a | - | n/a | Loaded | n/a | |
| Wellcare Classic (PDP) Wellcare - S4802_080_0 |
PDP PDP |
$7.30 | -$7.40 (-50.3%) vs 2026 | $700.00 | n/a | - | n/a | Loaded | n/a | |
| PeakPlus Rise (PPO D-SNP) Peak Health - H8947_006_0Dual-Eligible |
MA-PD PPO D-SNP |
$12.80 | - | $700.00 | $9,850.00 | 5.0 | - / - | Dental, Vision, Hearing | Loaded | Not loaded |
| UHC Dual Advantage WV-V1 (PPO D-SNP) UnitedHealthcare - H2001_061_0Dual-Eligible |
MA-PD PPO D-SNP |
$12.80 | -$19.90 (-60.9%) vs 2026 | $700.00 | $5,900.00 | 4.5 | $0.00 / $0.00 | Dental, Vision, Hearing | Loaded | Not loaded |
| The Health Plan SecureCare SNP (HMO D-SNP) The Health Plan - H3672_019_0Dual-Eligible |
MA-PD HMO D-SNP |
$12.80 | -$4.90 (-27.7%) vs 2026 | $700.00 | $9,250.00 | 3.5 | - / - | Dental, Vision, Hearing | Loaded | Not loaded |
| WV Senior Advantage (HMO I-SNP) West Virginia Senior Advantage - H9153_001_0Institutional |
MA-PD HMO I-SNP |
$12.80 | -$19.90 (-60.9%) vs 2026 | $700.00 | $9,850.00 | 3.5 | - / - | Dental, Vision, Hearing | Loaded | Not loaded |
| CommuniCare Advantage ISNP (HMO I-SNP) Communicare Advantage - H3727_007_0Institutional |
MA-PD HMO I-SNP |
$12.80 | - | $700.00 | $9,850.00 | - | - / - | Dental, Vision, Hearing | Loaded | Not loaded |
| Highmark Health Options Duals (HMO D-SNP) Highmark Blue Cross Blue Shield - H6224_001_0Dual-Eligible |
MA-PD HMO D-SNP |
$12.80 | -$19.90 (-60.9%) vs 2026 | $700.00 | $9,850.00 | - | - / - | Dental, Vision, Hearing | Loaded | Not loaded |
| The Health Plan SecureCare - Option II (HMO) The Health Plan - H3672_020_0 |
MA-PD HMO |
$13.00 | +$13.00 vs 2026 | $395.00 | $7,500.00 | 3.5 | $15.00 / $45.00 | Dental, Vision, Hearing | Loaded | Not loaded |
| Humana Basic Rx Plan (PDP) Humana - S5884_104_0 |
PDP PDP |
$16.30 | +$9.70 (+147.0%) vs 2026 | $700.00 | n/a | - | n/a | Loaded | n/a | |
| Peak Advantage Summit (PPO) Peak Health - H8947_002_1 |
MA-PD PPO |
$25.00 | +$9.00 (+56.3%) vs 2026 | $0.00 | $6,750.00 | 5.0 | - / $20.00 | Dental, Vision, Hearing | Loaded | Not loaded |
| Peak Advantage Summit (PPO) Peak Health - H8947_002_2 |
MA-PD PPO |
$25.00 | +$9.00 (+56.3%) vs 2026 | $0.00 | $6,750.00 | 5.0 | - / $20.00 | Dental, Vision, Hearing | Loaded | Not loaded |
| Peak Advantage Summit (PPO) Peak Health - H8947_002_4 |
MA-PD PPO |
$25.00 | +$9.00 (+56.3%) vs 2026 | $0.00 | $6,750.00 | 5.0 | - / $20.00 | Dental, Vision, Hearing | Loaded | Not loaded |
| HumanaChoice H5216-425 (PPO) Humana - H5216_425_0 |
MA-PD PPO |
$29.00 | +$14.00 (+93.3%) vs 2026 | $700.00 | $7,600.00 | 4.0 | $0.00 / $40.00 | Dental, Vision, Hearing | Loaded | Loaded 513,591 providers |
| Aetna Medicare Advantra Enhanced (PPO) Aetna Medicare - H5521_727_0 |
MA-PD PPO |
$31.00 | - | $700.00 | $7,150.00 | 4.0 | $0.00 / $30.00 | Dental, Vision, Hearing | Loaded | Not loaded |
| Aetna Medicare Advantra Enhanced Classic (PPO) Aetna Medicare - H1608_027_0 |
MA-PD PPO |
$31.00 | +$2.00 (+6.9%) vs 2026 | $700.00 | $7,150.00 | 4.0 | $0.00 / $30.00 | Dental, Vision, Hearing | Loaded | Not loaded |
| Humana Value Rx Plan (PDP) Humana - S5884_185_0 |
PDP PDP |
$31.70 | +$12.30 (+63.4%) vs 2026 | $687.00 | n/a | - | n/a | Loaded | n/a | |
| HumanaChoice H5216-019 (PPO) Humana - H5216_019_0 |
MA-PD PPO |
$34.00 | +$10.00 (+41.7%) vs 2026 | $700.00 | $6,800.00 | 4.0 | $0.00 / $55.00 | Dental, Vision, Hearing | Loaded | Loaded 513,591 providers |
| HumanaChoice H5525-005 (PPO) Humana - H5525_005_0 |
MA-PD PPO |
$39.00 | +$13.00 (+50.0%) vs 2026 | $700.00 | $8,300.00 | 4.0 | $0.00 / $40.00 | Dental, Vision, Hearing | Loaded | Loaded 513,591 providers |
| AARP Medicare Advantage from UHC WV-0004 (PPO) UnitedHealthcare - H8211_011_0 |
MA-PD PPO |
$51.00 | +$51.00 vs 2026 | $685.00 | $7,150.00 | 3.0 | $0.00 / $0.00 | Dental, Vision, Hearing | Loaded | Not loaded |
| Complete Blue PPO Distinct (PPO) Highmark Blue Cross Blue Shield - H5106_029_2 |
MA-PD PPO |
$53.00 | +$28.00 (+112.0%) vs 2026 | $700.00 | $6,500.00 | 3.5 | - / $30.00 | Dental, Vision, Hearing | Loaded | Not loaded |
| Complete Blue PPO Distinct (PPO) Highmark Blue Cross Blue Shield - H5106_029_1 |
MA-PD PPO |
$55.00 | +$31.00 (+129.2%) vs 2026 | $700.00 | $6,500.00 | 3.5 | - / $35.00 | Dental, Vision, Hearing | Loaded | Not loaded |
| Complete Blue PPO Distinct (PPO) Highmark Blue Cross Blue Shield - H5106_029_3 |
MA-PD PPO |
$60.00 | +$36.00 (+150.0%) vs 2026 | $700.00 | $6,750.00 | 3.5 | - / $40.00 | Dental, Vision, Hearing | Loaded | Not loaded |
| The Health Plan SecureChoice Reliance (PPO) The Health Plan - H8604_015_0 |
MA-PD PPO |
$67.00 | +$24.00 (+55.8%) vs 2026 | $300.00 | $7,000.00 | 3.0 | $15.00 / $45.00 | Dental, Vision, Hearing | Loaded | Not loaded |
| HumanaChoice R0110-008 (Regional PPO) Humana - R0110_008_0 |
MA-PD Regional PPO |
$75.00 | +$23.00 (+44.2%) vs 2026 | $700.00 | $7,150.00 | 3.5 | $0.00 / $45.00 | Dental, Vision, Hearing | Loaded | Not loaded |
| AARP Medicare Advantage from UHC WV-0001 (PPO) UnitedHealthcare - H8211_001_0 |
MA-PD PPO |
$85.00 | +$28.00 (+49.1%) vs 2026 | $685.00 | $7,150.00 | 3.0 | $0.00 / $0.00 | Dental, Vision, Hearing | Loaded | Not loaded |
| HealthSpring Assurance Rx (PDP) HealthSpring - S5715_027_0 |
PDP PDP |
$98.40 | - | $700.00 | n/a | - | n/a | Loaded | n/a | |
| Aetna Medicare Premier (PPO) Aetna Medicare - H5521_728_0 |
MA-PD PPO |
$109.00 | - | $400.00 | $9,850.00 | 4.0 | $0.00 / $30.00 | Dental, Vision, Hearing | Loaded | Not loaded |
| Aetna Medicare Premier Classic (PPO) Aetna Medicare - H1608_085_0 |
MA-PD PPO |
$109.00 | +$8.00 (+7.9%) vs 2026 | $400.00 | $9,850.00 | 4.0 | $0.00 / $30.00 | Dental, Vision, Hearing | Loaded | Not loaded |
| Humana Full Access (PPO) Humana - H5216_124_0 |
MA-PD PPO |
$121.00 | +$3.00 (+2.5%) vs 2026 | $700.00 | $7,150.00 | 4.0 | $0.00 / $60.00 | Dental, Vision, Hearing | Loaded | Loaded 513,591 providers |
| AARP Medicare Rx Saver from UHC (PDP) UnitedHealthcare - S5921_351_0 |
PDP PDP |
$140.60 | +$97.10 (+223.2%) vs 2026 | $700.00 | n/a | - | n/a | Loaded | n/a | |
| Humana Premier Rx Plan (PDP) Humana - S5884_152_0 |
PDP PDP |
$142.80 | +$19.20 (+15.5%) vs 2026 | $350.00 | n/a | - | n/a | Loaded | n/a | |
| Freedom Blue PPO Standard (PPO) Highmark Blue Cross Blue Shield - H5106_034_1 |
MA-PD PPO |
$152.00 | +$18.00 (+13.4%) vs 2026 | $700.00 | $6,500.00 | 3.5 | - / $35.00 | Dental, Vision, Hearing | Loaded | Not loaded |
| Freedom Blue PPO Standard (PPO) Highmark Blue Cross Blue Shield - H5106_034_2 |
MA-PD PPO |
$172.00 | +$18.00 (+11.7%) vs 2026 | $700.00 | $6,500.00 | 3.5 | - / $35.00 | Dental, Vision, Hearing | Loaded | Not loaded |
| AARP Medicare Rx Preferred from UHC (PDP) UnitedHealthcare - S5921_388_0 |
PDP PDP |
$184.40 | +$62.50 (+51.3%) vs 2026 | $300.00 | n/a | - | n/a | Loaded | n/a |
Derived from CMS public files (Landscape, Plan Benefit Package, Part D formulary). Plan availability, premiums, benefits and drug coverage can change: always confirm with the insurer or Medicare.gov before enrolling. Changes vs 2026 compare the same CMS plan id (contract-plan-segment) in both years; they are estimates, so confirm premiums with the insurer.