Best Medicare Advantage Plans in Alabama for 2027
Every general-audience Medicare Advantage plan with drug coverage in Alabama, ranked by what it could cost you in a bad year: 12 months of premiums, less any Part B giveback, plus the plan's in-network out-of-pocket maximum. Pick your county to see only the plans sold there.
Alabama plans, ranked
Showing all 56 plans.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | HumanaChoice H5216-368 (PPO)Humana · PPOAll 67 counties · drug deductible $700Dental up to $2,500/yr · eyewear $100/yr | $27.50 | $3,250 | $3,580 | 4★ |
| 2 | Humana Gold Plus H4461-073 (HMO)Humana · HMO1 of 67 counties · drug deductible $500Dental up to $4,000/yr · eyewear $350/yr | $146 | $1,900 | $3,652 | 4.5★ |
| 3 | HumanaChoice H7617-090 (PPO)Humana · PPOAll 67 counties · drug deductible $700Dental up to $2,500/yr · eyewear $100/yr | $34 | $3,250 | $3,658 | 4.5★ |
| 4 | HumanaChoice H5216-269 (PPO)Humana · PPO54 of 67 counties · drug deductible $700Dental up to $1,500/yr · eyewear $200/yr | $0 | $4,450 | $4,450 | 4★ |
| 5 | HumanaChoice H7617-091 (PPO)Humana · PPO54 of 67 counties · drug deductible $700Dental up to $1,500/yr · eyewear $200/yr | $0 | $4,450 | $4,450 | 4.5★ |
| 6 | HealthSpring Preferred Extra Savings (HMO)HealthSpring · HMO2 of 67 counties · drug deductible $600Part B giveback $183/mo · Dental up to $250/yr · eyewear $100/yr | $0−$183 Part B giveback | $7,000 | $4,804 | 3.5★ |
| 7 | HealthSpring Preferred Plus (HMO)HealthSpring · HMO2 of 67 counties · drug deductible $400Dental up to $1,500/yr · eyewear $225/yr · OTC items $120/yr | $35 | $4,400 | $4,820 | 3.5★ |
| 8 | HealthSpring Preferred Plus (HMO)HealthSpring · HMO13 of 67 counties · drug deductible $400Dental up to $1,800/yr · eyewear $150/yr · OTC items $100/yr | $25 | $4,750 | $5,050 | 3.5★ |
| 9 | HealthSpring Preferred Plus (HMO)HealthSpring · HMO5 of 67 counties · drug deductible $400Dental up to $1,550/yr · eyewear $225/yr · OTC items $80/yr | $35 | $4,750 | $5,170 | 3.5★ |
| 10 | Humana Gold Plus H4461-079 (HMO)Humana · HMOAll 67 counties · drug deductible $700Dental up to $4,000/yr · eyewear $300/yr | $36 | $4,900 | $5,332 | 4.5★ |
| 11 | HealthSpring Preferred (HMO)HealthSpring · HMO13 of 67 counties · drug deductible $400Dental up to $1,600/yr · eyewear $150/yr · OTC items $120/yr | $0 | $5,550 | $5,550 | 3.5★ |
| 12 | DEVOTED CHOICE 007 AL (PPO)Devoted Health · PPO30 of 67 counties · drug deductible $650Dental up to $2,750/yr · eyewear $400/yr · OTC items $400/yr | $0 | $5,600 | $5,600 | 4.5★ |
| 13 | DEVOTED CHOICE 008 AL (PPO)Devoted Health · PPO14 of 67 counties · drug deductible $650Dental up to $2,750/yr · eyewear $400/yr · OTC items $384/yr | $0 | $5,600 | $5,600 | 4.5★ |
| 14 | DEVOTED CORE 001 AL (HMO)Devoted Health · HMO32 of 67 counties · drug deductible $465Dental up to $2,750/yr · eyewear $400/yr · OTC items $300/yr | $0 | $5,700 | $5,700 | 3.5★ |
| 15 | DEVOTED CHOICE 002 AL (PPO)Devoted Health · PPO11 of 67 counties · drug deductible $650Dental up to $2,750/yr · eyewear $400/yr · OTC items $292/yr | $0 | $5,900 | $5,900 | 3.5★ |
| 16 | AARP Medicare Advantage from UHC AL-6 (HMO-POS)UnitedHealthcare · HMO-POS66 of 67 counties · drug deductible $685Dental up to $3,000/yr · eyewear $100/yr · hearing aids $700/yr | $43 | $5,400 | $5,916 | 3.5★ |
| 17 | AARP Medicare Advantage from UHC AL-0002 (HMO-POS)UnitedHealthcare · HMO-POS66 of 67 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $45 | $5,400 | $5,940 | 3.5★ |
| 18 | HealthSpring Preferred Plus (HMO)HealthSpring · HMO9 of 67 counties · drug deductible $400Dental up to $2,050/yr · eyewear $225/yr · OTC items $120/yr | $30 | $5,700 | $6,060 | 3.5★ |
| 19 | Aetna Medicare Signature Extra Care (HMO)Aetna Medicare · HMO19 of 67 counties · drug deductible $400Dental up to $3,000/yr · eyewear $225/yr · hearing aids $500/yr per ear · OTC items $120/yr | $23 | $5,900 | $6,176 | 3.5★ |
| 20 | DEVOTED CHOICE 001 AL (PPO)Devoted Health · PPO32 of 67 counties · drug deductible $650Dental up to $2,750/yr · eyewear $400/yr · OTC items $400/yr | $0 | $6,200 | $6,200 | 3.5★ |
| 21 | HealthSpring Preferred (HMO)HealthSpring · HMO9 of 67 counties · drug deductible $400Dental up to $1,450/yr · eyewear $200/yr · OTC items $120/yr | $0 | $6,200 | $6,200 | 3.5★ |
| 22 | Humana Value Plus H5216-179 (PPO)Humana · PPO65 of 67 counties · drug deductible $400Dental up to $2,500/yr · eyewear $250/yr | $0 | $6,200 | $6,200 | 4★ |
| 23 | Humana Value Plus H7617-089 (PPO)Humana · PPO65 of 67 counties · drug deductible $400Dental up to $2,500/yr · eyewear $250/yr | $0.50 | $6,200 | $6,206 | 4.5★ |
| 24 | Blue Advantage Core (PPO)Blue Cross and Blue Shield of Alabama · PPO7 of 67 counties · drug deductible $625Dental up to $650/yr · eyewear $100/yr | $19.50 | $6,000 | $6,234 | 4★ |
| 25 | AARP Medicare Advantage Essentials from UHC AL-3 (HMO-POS)UnitedHealthcare · HMO-POS66 of 67 counties · drug deductible $685Dental up to $750/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $6,300 | $6,300 | 3.5★ |
| 26 | VIVA Medicare Infirmary Health Advantage (HMO)VIVA Medicare · HMO2 of 67 counties · drug deductible $200Part B giveback $15/mo · Dental up to $1,400/yr · eyewear $200/yr · OTC items $160/yr | $0−$15 Part B giveback | $6,500 | $6,320 | 4★ |
| 27 | Humana Gold Plus H4461-078 (HMO)Humana · HMOAll 67 counties · drug deductible $700Dental up to $3,000/yr · eyewear $250/yr | $0 | $6,360 | $6,360 | 4.5★ |
| 28 | DEVOTED CHOICE GIVEBACK EXTRAS 038 AL (PPO)Devoted Health · PPO30 of 67 counties · drug deductible $700Part B giveback $70/mo · Dental up to $2,000/yr · eyewear $400/yr · OTC items $300/yr | $0−$70 Part B giveback | $7,250 | $6,410 | 4.5★ |
| 29 | HealthSpring Preferred Extra Savings (HMO)HealthSpring · HMO12 of 67 counties · drug deductible $300Part B giveback $170/mo · Dental up to $600/yr · eyewear $100/yr | $0−$170 Part B giveback | $8,500 | $6,460 | 3.5★ |
| 30 | Blue Advantage Complete (PPO)Blue Cross and Blue Shield of Alabama · PPO60 of 67 counties · drug deductible $620Dental up to $650/yr · eyewear $100/yr | $39.50 | $6,000 | $6,474 | 4★ |
| 31 | HealthSpring Preferred (HMO)HealthSpring · HMO2 of 67 counties · drug deductible $400Dental up to $1,800/yr · eyewear $200/yr · OTC items $120/yr | $0 | $6,500 | $6,500 | 3.5★ |
| 32 | Aetna Medicare Signature Care (HMO)Aetna Medicare · HMO55 of 67 counties · drug deductible $400Dental up to $2,500/yr · eyewear $275/yr · hearing aids $500/yr per ear · OTC items $120/yr | $0 | $6,750 | $6,750 | 3.5★ |
| 33 | DEVOTED CHOICE GIVEBACK 005 AL (PPO)Devoted Health · PPO32 of 67 counties · drug deductible $461Part B giveback $174.70/mo · Dental up to $250/yr · eyewear $200/yr · OTC items $428/yr | $0−$174.70 Part B giveback | $8,900 | $6,804 | 3.5★ |
| 34 | DEVOTED CHOICE GIVEBACK EXTRAS 039 AL (PPO)Devoted Health · PPO14 of 67 counties · drug deductible $700Part B giveback $70/mo · Dental up to $2,000/yr · eyewear $400/yr · OTC items $320/yr | $0−$70 Part B giveback | $7,700 | $6,860 | 4.5★ |
| 35 | AARP Medicare Advantage Extras from UHC AL-7 (HMO-POS)UnitedHealthcare · HMO-POS66 of 67 counties · drug deductible $685Dental up to $2,000/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 36 | AARP Medicare Advantage from UHC AL-0001 (HMO-POS)UnitedHealthcare · HMO-POS66 of 67 counties · drug deductible $685Preventive dental · eyewear $125/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 37 | Aetna Medicare Signature Plus (PPO)Aetna Medicare · PPO5 of 67 counties · drug deductible $600Dental up to $2,000/yr · eyewear $200/yr · hearing aids $500/yr per ear · OTC items $60/yr | $0 | $7,150 | $7,150 | 4★ |
| 38 | Aetna Medicare Signature Plus (PPO)Aetna Medicare · PPO7 of 67 counties · drug deductible $600Dental up to $2,000/yr · eyewear $400/yr · hearing aids $500/yr per ear · OTC items $180/yr | $0 | $7,150 | $7,150 | 4★ |
| 39 | Blue Advantage Choice (PPO)Blue Cross and Blue Shield of Alabama · PPOAll 67 counties · drug deductible $700Preventive dental up to $375/yr · eyewear $100/yr | $0 | $7,150 | $7,150 | 4★ |
| 40 | HealthSpring Preferred (HMO)HealthSpring · HMO5 of 67 counties · drug deductible $400Dental up to $1,900/yr · eyewear $100/yr · OTC items $60/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 41 | Humana Gold Plus H5619-089 (HMO)Humana · HMOAll 67 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr | $0 | $7,150 | $7,150 | 4★ |
| 42 | AARP Medicare Advantage from UHC AL-0004 (PPO)UnitedHealthcare · PPO50 of 67 counties · drug deductible $685Preventive dental · eyewear $125/yr · hearing aids $700/yr | $10 | $7,150 | $7,270 | 3.5★ |
| 43 | DEVOTED CHOICE GIVEBACK 009 AL (PPO)Devoted Health · PPO30 of 67 counties · drug deductible $650Part B giveback $190/mo · Dental up to $250/yr · eyewear $200/yr · OTC items $428/yr | $0−$190 Part B giveback | $9,850 | $7,570 | 4.5★ |
| 44 | HealthSpring True Choice (PPO)HealthSpring · PPO27 of 67 counties · drug deductible $500Dental up to $300/yr · eyewear $100/yr | $15 | $7,500 | $7,680 | 3★ |
| 45 | VIVA Medicare Premier (HMO)VIVA Medicare · HMO40 of 67 counties · drug deductible $350Dental up to $1,300/yr · eyewear $200/yr · OTC items $280/yr | $99 | $6,500 | $7,688 | 4★ |
| 46 | Aetna Medicare Signature Giveback (PPO)Aetna Medicare · PPO5 of 67 counties · drug deductible $600Part B giveback $103/mo · Dental up to $1,500/yr · eyewear $100/yr · hearing aids $500/yr per ear | $0−$103 Part B giveback | $9,250 | $8,014 | 4★ |
| 47 | DEVOTED GIVEBACK 002 AL (HMO)Devoted Health · HMO41 of 67 counties · drug deductible $461Part B giveback $135.50/mo · Dental up to $250/yr · eyewear $100/yr | $0−$135.50 Part B giveback | $9,850 | $8,224 | 3.5★ |
| 48 | DEVOTED CHOICE GIVEBACK 006 AL (PPO)Devoted Health · PPO11 of 67 counties · drug deductible $461Part B giveback $134/mo · Dental up to $250/yr · eyewear $200/yr | $0−$134 Part B giveback | $9,850 | $8,242 | 3.5★ |
| 49 | DEVOTED CHOICE GIVEBACK 010 AL (PPO)Devoted Health · PPO14 of 67 counties · drug deductible $650Part B giveback $132/mo · Dental up to $250/yr · eyewear $200/yr | $0−$132 Part B giveback | $9,850 | $8,266 | 4.5★ |
| 50 | HumanaChoice R0110-018 (Regional PPO)Humana · Regional PPOAll 67 counties · drug deductible $700Dental up to $1,000/yr · eyewear $150/yr | $124 | $7,000 | $8,488 | 3.5★ |
| 51 | Aetna Medicare Signature Plus (PPO)Aetna Medicare · PPO7 of 67 counties · drug deductible $600Dental up to $2,000/yr · eyewear $250/yr · hearing aids $500/yr per ear · OTC items $120/yr | $0 | $8,900 | $8,900 | 4★ |
| 52 | VIVA Medicare Plus (HMO)VIVA Medicare · HMO18 of 67 counties · drug deductible $450Part B giveback $9/mo · Dental up to $1,100/yr · eyewear $100/yr · OTC items $140/yr | $0−$9 Part B giveback | $9,250 | $9,142 | 4★ |
| 53 | VIVA Medicare Classic (HMO)VIVA Medicare · HMO5 of 67 counties · drug deductible $450Dental up to $800/yr · eyewear $125/yr · OTC items $120/yr | $0 | $9,250 | $9,250 | 4★ |
| 54 | VIVA Medicare Plus (HMO)VIVA Medicare · HMO17 of 67 counties · drug deductible $450Dental up to $725/yr · eyewear $100/yr · OTC items $140/yr | $0 | $9,250 | $9,250 | 4★ |
| 55 | Aetna Medicare Value Plus (PPO)Aetna Medicare · PPO19 of 67 counties · drug deductible $400Dental up to $2,000/yr · eyewear $200/yr · hearing aids $500/yr per ear · OTC items $60/yr | $23.30 | $9,850 | $10,130 | 4★ |
| 56 | HumanaChoice H5216-466 (PPO)Humana · PPO4 of 67 counties · drug deductible $700Dental · eyewear $100/yr | $25 | $9,850 | $10,150 | 4★ |
Worst-case year = 12 × (monthly plan premium − any Part B giveback) + in-network maximum out-of-pocket, for covered Part A and B services. A giveback lowers the Part B premium you’d otherwise pay ($202.90 a month in 2026), so it counts as money back; a plan with a large giveback can show a worst-case year below $0. The Part B premium itself is the same for everyone, and drug costs are capped separately at $2,400 for 2027. Out-of-network care in PPO plans has a higher limit. Ties go to the lower premium. Other extras (dental, eyewear, hearing aids, over-the-counter allowance) are the yearly maximums each plan filed with CMS; they don’t change the order. Methodology
Before you enroll, check two things this ranking can’t: whether your doctors are in the plan’s network, and how it covers your drugs. Both are in the official Medicare Plan Finder. Star ratings are CMS’s 2027 quality scores (1 to 5) for the company contract behind each plan; they’re shown for context and don’t change the cost order.
Plans without drug coverage
These 9 plans don’t include Part D. They mainly suit people with drug coverage from elsewhere, such as the VA or TRICARE. Joining one generally means you can’t also join a stand-alone Part D plan, and going without creditable drug coverage can trigger a late enrollment penalty.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Humana USAA Honor Giveback (HMO)Humana · HMOAll 67 countiesPart B giveback $135/mo · Dental up to $4,000/yr · eyewear $250/yr | $0−$135 Part B giveback | $4,150 | $2,530 | 4.5★ |
| 2 | Humana USAA Honor Giveback (PPO)Humana · PPOAll 67 countiesPart B giveback $102/mo · Dental up to $2,000/yr · eyewear $250/yr | $0−$102 Part B giveback | $4,150 | $2,926 | 4★ |
| 3 | HumanaChoice R0110-017 (Regional PPO)Humana · Regional PPOAll 67 countiesDental up to $3,500/yr · eyewear $150/yr | $0 | $4,650 | $4,650 | 3.5★ |
| 4 | HealthSpring Courage (HMO)HealthSpring · HMO29 of 67 countiesPart B giveback $75/mo · Dental up to $750/yr · eyewear $175/yr | $0−$75 Part B giveback | $5,750 | $4,850 | 3.5★ |
| 5 | AARP Medicare Advantage Patriot No Rx AL-MA01 (HMO-POS)UnitedHealthcare · HMO-POS66 of 67 countiesPart B giveback $190/mo · Dental up to $5,000/yr · eyewear $125/yr · hearing aids $1,000/yr | $0−$190 Part B giveback | $7,150 | $4,870 | 3.5★ |
| 6 | AARP Medicare Advantage Patriot No Rx AL-MA2 (HMO-POS)UnitedHealthcare · HMO-POS66 of 67 countiesPart B giveback $170/mo · Dental up to $4,000/yr · eyewear $125/yr · hearing aids $1,000/yr | $0−$170 Part B giveback | $7,150 | $5,110 | 3.5★ |
| 7 | DEVOTED CHOICE MA ONLY 007 AL (PPO)Devoted Health · PPO43 of 67 countiesPart B giveback $184.70/mo · Dental up to $1,000/yr · eyewear $400/yr | $0−$184.70 Part B giveback | $7,900 | $5,684 | 3.5★ |
| 8 | Aetna Medicare Eagle Plus (PPO)Aetna Medicare · PPO19 of 67 countiesDental up to $4,000/yr · eyewear $300/yr · hearing aids $500/yr per ear · OTC items $720/yr | $0 | $7,900 | $7,900 | 4★ |
| 9 | VIVA Medicare Select (HMO)VIVA Medicare · HMO40 of 67 countiesPart B giveback $100/mo · Dental up to $1,250/yr · eyewear $200/yr · OTC items $180/yr | $0−$100 Part B giveback | $9,250 | $8,050 | 4★ |
County pages
Baldwin County · Calhoun County · Etowah County · Houston County · Jefferson County · Lee County · Limestone County · Madison County · Mobile County · Montgomery County · Morgan County · Shelby County · Tuscaloosa County
Questions
How many Medicare Advantage plans are available in Alabama for 2027?
CMS lists 56 general-audience Medicare Advantage plans with drug coverage in Alabama for 2027, from 7 parent companies. Not every plan is sold in every county; use the county filter to see yours.
Are there $0 premium Medicare Advantage plans in Alabama?
Yes. 36 of the 56 plans have a $0 monthly plan premium in 2027. You still pay the Part B premium ($202.90 a month in 2026).
Which Alabama Medicare Advantage plan has the lowest worst-case cost?
HumanaChoice H5216-368 (PPO) from Humana: $27.50 a month with an in-network out-of-pocket maximum of $3,250, so at most about $3,580 in premiums and in-network costs for the year. It is offered in 67 of 67 counties.
Which Alabama Medicare Advantage plans have 4 or more stars?
30 of the 56 plans belong to contracts CMS rated 4 stars or higher for 2027. Star ratings measure quality and member experience, not cost; the table shows each plan's rating next to its worst-case cost.
Which Alabama Medicare Advantage plans have a Part B giveback?
12 of the 56 plans lower your Part B premium (a "giveback"), according to their 2027 benefit filings with CMS. The largest is $190 a month, from DEVOTED CHOICE GIVEBACK 009 AL (PPO). A giveback plan isn't automatically cheaper: compare its worst-case year and its network.
What is the typical out-of-pocket maximum in Alabama?
The median in-network out-of-pocket maximum among these plans is $6,500. CMS allows up to $9,850 in 2027.
Sources
- CMS, CY 2027 Medicare Advantage and Prescription Drug Plan Landscape (CY2027_Landscape_202609.csv), from cms.gov; extra benefits (Part B giveback, dental, eyewear, hearing aids, over-the-counter allowance) from the CMS CY 2027 Plan Benefit Package files, cms.gov, yearly amounts as each plan filed them; star ratings from the CMS 2027 Star Ratings Data Tables (October 8, 2026), cms.gov. Ratings are per contract, so plans under the same contract share one rating. General-audience plans only: Special Needs Plans, Cost plans and employer group plans are not ranked.
- CMS, 2026 Part B premium — cms.gov.
Educational information, not a recommendation to join any plan. We are not an insurance agent or broker, and we are not connected with or endorsed by the U.S. government or the federal Medicare program. Plan details can change; confirm with the plan or Medicare.gov. · Advertiser disclosure
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