Medicare Advantage by State for 2027: Plans, Premiums and Dental Benefits
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Medicare Advantage by State for 2027: Plans, Premiums and Dental Benefits
Medicare Advantage plans are local. The plans, premiums, provider networks, prescription coverage, and extra benefits available to you depend on your county—not just your state. CMS’s statewide figures are useful for seeing broad market differences, but the Medicare Plan Finder is the right place to compare the 2027 plans available at your address.
For 2027, CMS projects about 34 million Medicare Advantage enrollees, or 47.4% of people with Medicare. The projected enrollment-weighted average monthly MA premium is $12, down from $14.37 in 2026. More than 99% of beneficiaries have access to at least one MA plan, although Alaska has no individual MA plans listed in the CMS state fact sheet.
Medicare Advantage plans are local. The plans, premiums, provider networks, prescription coverage, and extra benefits available to you depend on your county—not just your state. CMS’s statewide figures are useful for seeing broad market differences, but the Medicare Plan Finder is the right place to compare the 2027 plans available at your address.
For 2027, CMS projects about 34 million Medicare Advantage enrollees, or 47.4% of people with Medicare. The projected enrollment-weighted average monthly MA premium is $12, down from $14.37 in 2026. More than 99% of beneficiaries have access to at least one MA plan, although Alaska has no individual MA plans listed in the CMS state fact sheet.
Medicare Advantage National Snapshot for 2027
| Measure | 2027 CMS projection |
|---|---|
| Projected enrollment | 34 million |
| Projected share of Medicare enrollment | 47.4% |
| Weighted average monthly MA premium | $12.00 |
| MA plans nationally | About 5,532 |
| Access to at least one MA plan | More than 99% |
| Access to 10 or more MA options | 97% |
These are national projections. A $0-premium plan still requires you to keep paying the Medicare Part B premium, and it may have deductibles, copayments, coinsurance, prior-authorization rules, and a medical out-of-pocket maximum.
Key Enrollment Dates
- Medicare Open Enrollment: October 15 through December 7, 2026. You can join or switch Medicare Advantage plans, or return to Original Medicare. Changes take effect January 1, 2027.
- Medicare Advantage Open Enrollment: January 1 through March 31, 2027. If you are already enrolled in Medicare Advantage, you can make one change to another MA plan or return to Original Medicare.
- Special Enrollment Periods: A move, loss of coverage, or a plan leaving your service area may create another opportunity to change coverage.
Review your plan’s Annual Notice of Change and Evidence of Coverage before the December deadline. Our guide to common Medicare Open Enrollment mistakes explains what to double-check.
What to Compare Before You Choose
- Total annual cost. Compare premiums, deductibles, medical and drug copays, coinsurance, and the in-network and out-of-network maximums.
- Doctors and hospitals. Confirm each provider and facility directly with the plan. HMO plans generally require in-network care except for emergency care, urgent care, and out-of-area dialysis; PPO plans generally allow out-of-network care at a higher cost.
- Prescription drugs and pharmacies. Enter your actual medications in Medicare Plan Finder and review formulary tiers, prior authorization, step therapy, quantity limits, and preferred pharmacies.
- Quality and utilization rules. Review the 2027 CMS Star Ratings and ask which services require prior authorization.
- Extra benefits. Compare dental, vision, hearing, transportation, over-the-counter allowances, and fitness benefits separately. These benefits are not standardized and may have different provider networks, dollar limits, and service restrictions.
Compare 2026 and 2027 Medicare Advantage Dental Benefits
Routine dental care is generally not covered by Original Medicare, so an MA plan’s dental benefit may be valuable. But “dental included” does not tell you how much the plan pays or which services and dentists are covered. Use the NCD Medicare Advantage Dental Benefit Comparison tool to compare a plan’s included 2026 and 2027 dental benefits side by side.
The tool can be searched by plan ID or name and filtered by state and carrier. It covers individual-market Medicare Advantage plans, including Special Needs Plans, and compares dental benefits included with the plan at no additional premium. It may note an optional dental rider without detailing that rider. The tool is educational; confirm every benefit in the plan’s Summary of Benefits, Evidence of Coverage, and provider directory before enrolling.
| Dental feature | What to check |
|---|---|
| Annual allowance or benefit maximum | How much the plan pays each year and whether preventive care counts toward the limit |
| Covered services | Cleanings, exams, X-rays, fillings, crowns, dentures, implants, periodontal care, and oral surgery |
| Member cost sharing | Copays, coinsurance, deductibles, and different rates for preventive versus comprehensive care |
| Dental network | Whether your dentist participates and what happens if you use an out-of-network provider |
| Frequency and service limits | Limits on cleanings, X-rays, crowns, dentures, replacements, and other services |
| Authorization and exclusions | Prior authorization, medical-necessity rules, exclusions, and whether a buy-up rider is required |
Medicare Advantage Plans and Premiums by State in 2027
The CMS figures below show the total number of MA plans offered somewhere in each state, the average plan premium, and the share of people with Medicare who can access a $0-premium plan. They do not mean every plan is available in every county, and the state average is not an individual quote. “People with Medicare” is total Medicare enrollment, not Medicare Advantage enrollment.
| State | People with Medicare | MA plans 2027 | Avg. MA premium | Access to $0 plan |
|---|---|---|---|---|
| Alabama | 1,142,885 | 113 | $7.76 | 100% |
| Alaska | 124,028 | None listed | — | — |
| Arizona | 1,560,534 | 148 | $2.81 | 100% |
| Arkansas | 692,771 | 84 | $1.47 | 100% |
| California | 7,243,867 | 394 | $14.12 | 99.64% |
| Colorado | 1,089,448 | 104 | $9.10 | 96.50% |
| Connecticut | 783,973 | 48 | $25.31 | 100% |
| Delaware | 258,215 | 38 | $14.33 | 100% |
| District of Columbia | 97,782 | 15 | $16.91 | 100% |
| Florida | 5,334,437 | 560 | $2.13 | 100% |
| Georgia | 2,029,629 | 161 | $2.99 | 100% |
| Hawaii | 316,532 | 46 | $53.04 | 100% |
| Idaho | 416,679 | 44 | $37.93 | 100% |
| Illinois | 2,487,731 | 136 | $7.11 | 100% |
| Indiana | 1,426,351 | 140 | $9.27 | 100% |
| Iowa | 709,170 | 64 | $11.21 | 100% |
| Kansas | 609,353 | 80 | $5.90 | 100% |
| Kentucky | 1,010,021 | 123 | $4.90 | 100% |
| Louisiana | 966,602 | 124 | $6.71 | 100% |
| Maine | 390,974 | 50 | $22.07 | 100% |
| Maryland | 1,199,172 | 47 | $23.82 | 100% |
| Massachusetts | 1,516,549 | 97 | $37.80 | 100% |
| Michigan | 2,324,309 | 181 | $16.21 | 100% |
| Minnesota | 1,206,148 | 53 | $59.40 | 96.58% |
| Mississippi | 657,224 | 102 | $4.08 | 100% |
| Missouri | 1,371,496 | 174 | $4.24 | 100% |
| Montana | 272,554 | 23 | $16.12 | 94.80% |
| Nebraska | 398,932 | 48 | $14.14 | 97.69% |
| Nevada | 629,551 | 98 | $0.56 | 99.08% |
| New Hampshire | 361,149 | 20 | $17.18 | 91.62% |
| New Jersey | 1,842,581 | 72 | $20.09 | 100% |
| New Mexico | 476,263 | 61 | $4.58 | 100% |
| New York | 4,054,716 | 227 | $30.79 | 100% |
| North Carolina | 2,322,851 | 179 | $6.19 | 100% |
| North Dakota | 154,162 | 17 | $41.44 | 72.81% |
| Ohio | 2,630,753 | 180 | $9.00 | 100% |
| Oklahoma | 829,592 | 81 | $8.06 | 100% |
| Oregon | 972,585 | 100 | $26.30 | 94.63% |
| Pennsylvania | 3,037,586 | 338 | $20.07 | 100% |
| Rhode Island | 252,591 | 22 | $37.64 | 100% |
| South Carolina | 1,285,904 | 97 | $3.98 | 100% |
| South Dakota | 206,509 | 22 | $56.04 | 90.09% |
| Tennessee | 1,528,522 | 155 | $11.73 | 100% |
| Texas | 5,017,127 | 421 | $4.27 | 100% |
| Utah | 490,235 | 51 | $9.16 | 99.79% |
| Vermont | 170,636 | 5 | $7.79 | 35.63% |
| Virginia | 1,756,307 | 148 | $6.67 | 100% |
| Washington | 1,583,566 | 120 | $22.75 | 100% |
| West Virginia | 457,400 | 70 | $15.36 | 100% |
| Wisconsin | 1,373,621 | 103 | $19.67 | 100% |
| Wyoming | 133,246 | 8 | $69.23 | 100% |
Source: CMS 2027 Medicare Advantage and Part D state fact sheets, published September 28, 2026. State premium figures are CMS averages across plans and differ from the enrollment-weighted national projection.
How to Find the Best Plan in Your Area
- Start with Medicare Plan Finder and enter your ZIP code, prescriptions, and preferred pharmacies.
- Confirm your doctors, hospitals, specialists, and dental providers with both the plan and the provider office.
- Use the NCD dental comparison tool to identify year-over-year dental changes, then verify them in official plan documents.
- For local help, use the free Medicare agent directory or contact SHIP for free, objective counseling.
Frequently Asked Questions
What is a Medicare Advantage plan?
Medicare Advantage is another way to receive Medicare Part A and Part B benefits through a Medicare-approved private plan. Most MA plans include Part D prescription coverage, and many include supplemental benefits such as dental, vision, hearing, or fitness. You must continue paying your Part B premium.
Does every state have Medicare Advantage plans in 2027?
No. CMS’s Alaska fact sheet does not list individual Medicare Advantage plans for 2027. Availability in every other state still varies by county.
No. A $0 MA premium means there is no additional plan premium, but you generally still pay the Part B premium and may owe deductibles, copayments, coinsurance, and other out-of-pocket costs.
Are Medicare Advantage dental benefits standardized?
No. Dental benefits vary by plan and year. Compare the annual allowance, covered procedures, dental network, member cost sharing, frequency limits, and exclusions. The NCD comparison tool makes 2026-to-2027 changes easier to spot, but official plan documents control.
When can I change Medicare Advantage plans?
Medicare Open Enrollment runs October 15 through December 7 each year. People already enrolled in Medicare Advantage also have the Medicare Advantage Open Enrollment Period from January 1 through March 31. Certain events may create a Special Enrollment Period.
What if my plan leaves my area?
A plan termination or service-area reduction may create a Special Enrollment Period to select different coverage. It may also create federal Medigap guaranteed-issue rights if you return to Original Medicare. Keep the plan’s notices and confirm the applicable deadlines before changing coverage.
Related Medicare Guides
- How to Lower Medicare Costs in 2027
- Medicare Open Enrollment Mistakes to Avoid
- Medicare Supplement Cost Guide
- Find a Licensed Local Medicare Agent
Plan availability, premiums, networks, formularies, and supplemental benefits can change. Verify 2027 details in Medicare Plan Finder and the plan’s official documents before enrolling.
