Ranked by math. Plans ranked on yearly cost from official federal and state data · ads and any paid links never change the order · not a broker; we don’t enroll you · how we’re funded →
2027 plans · CMS data · Ranked by math
Best Medicare Advantage Plans in Maricopa County, AZ for 2027
Every general-audience Medicare Advantage plan with drug coverage sold in Maricopa County, ranked by what it could cost you in a bad year: 12 months of premiums, less any Part B giveback, plus the in-network out-of-pocket maximum.
45plans with drug coverage (52 in 2026)
39with a $0 premium (46 in 2026)
$2,000lowest worst-case year
10with a Part B giveback
Maricopa County plans, ranked
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | SCAN Classic (HMO)SCAN Health Plan · HMO3 of 15 counties · drug deductible $0Dental up to $3,000/yr · eyewear $100/yr · OTC items $120/yr | $0 | $2,000 | $2,000 | 3.5★ |
| 2 | Verda Noble Care (HMO)Verda Health Plan of Arizona · HMO2 of 15 counties · drug deductible $300Dental · eyewear $200/yr · OTC items $660/yr | $0 | $2,099 | $2,099 | Too new to rate |
| 3 | SCAN MyChoice (HMO)SCAN Health Plan · HMO3 of 15 counties · drug deductible $0Part B giveback $30/mo · Dental up to $1,500/yr | $0−$30 Part B giveback | $2,500 | $2,140 | 3.5★ |
| 4 | Alignment Health Smart 005 (HMO)Alignment Health Plan · HMO3 of 15 counties · drug deductible $700Part B giveback $120/mo · Preventive dental · eyewear $50/yr | $0−$120 Part B giveback | $3,900 | $2,460 | 4★ |
| 5 | SCAN Walmart Medicare Advantage (HMO)SCAN Health Plan · HMO3 of 15 counties · drug deductible $450Dental up to $3,000/yr · OTC items $560/yr | $0 | $2,500 | $2,500 | 3.5★ |
| 6 | Wellcare Simple (HMO)Wellcare · HMO3 of 15 counties · drug deductible $700Dental · eyewear $100/yr · hearing aids $750/yr per ear | $0 | $2,500 | $2,500 | 3.5★ |
| 7 | DEVOTED CORE 090 AZ (HMO)Devoted Health · HMO2 of 15 counties · drug deductible $650Dental up to $4,000/yr · eyewear $350/yr · OTC items $156/yr | $0 | $2,900 | $2,900 | 4.5★ |
| 8 | DEVOTED CORE 021 AZ (HMO)Devoted Health · HMO3 of 15 counties · drug deductible $461Dental up to $3,500/yr · eyewear $250/yr · OTC items $320/yr | $0 | $2,950 | $2,950 | 4★ |
| 9 | Banner Medicare Advantage Prime (HMO)Banner Medicare Advantage · HMO1 of 15 counties · drug deductible $540Dental up to $1,000/yr · eyewear $100/yr · OTC items $260/yr | $0 | $2,995 | $2,995 | 3★ |
| 10 | Aetna Medicare Prime (HMO)Aetna Medicare · HMO1 of 15 counties · drug deductible $400Dental up to $2,500/yr · eyewear $200/yr · hearing aids $1,000/yr per ear · OTC items $200/yr | $0 | $3,000 | $3,000 | Not rated |
| 11 | Wellpoint Medicare Advantage (HMO-POS)Wellpoint · HMO-POS3 of 15 counties · drug deductible $130Dental up to $750/yr · eyewear $200/yr · hearing aids $1,500/yr · OTC items $140/yr | $0 | $3,000 | $3,000 | 3.5★ |
| 12 | HealthSpring Preferred (HMO)HealthSpring · HMO3 of 15 counties · drug deductible $500Dental up to $1,650/yr · eyewear $100/yr | $0 | $3,200 | $3,200 | 3.5★ |
| 13 | HealthSpring Preferred Savings (HMO)HealthSpring · HMO3 of 15 counties · drug deductible $300Part B giveback $100/mo · Dental up to $1,000/yr · eyewear $100/yr | $0−$100 Part B giveback | $4,450 | $3,250 | 3.5★ |
| 14 | Humana Gold Plus H0028-074 (HMO)Humana · HMO1 of 15 counties · drug deductible $200Dental up to $4,000/yr · eyewear $100/yr | $0 | $3,400 | $3,400 | 4.5★ |
| 15 | Humana Total Complete (HMO)Humana · HMO1 of 15 counties · drug deductible $200Dental up to $4,000/yr · eyewear $100/yr | $0 | $3,400 | $3,400 | 4.5★ |
| 16 | Alignment Health ONE + Walgreens 001 (HMO)Alignment Health Plan · HMO1 of 15 counties · drug deductible $0Dental up to $2,000/yr · eyewear $300/yr · OTC items $300/yr | $0 | $3,499 | $3,499 | 4★ |
| 17 | AARP Medicare Advantage Essentials from UHC AZ-2 (HMO-POS)UnitedHealthcare · HMO-POS2 of 15 counties · drug deductible $685Preventive dental · eyewear $125/yr · hearing aids $700/yr | $0 | $3,500 | $3,500 | 4★ |
| 18 | AARP Medicare Advantage from UHC AZ-002P (HMO-POS)UnitedHealthcare · HMO-POS2 of 15 counties · drug deductible $685Dental up to $3,500/yr · eyewear $125/yr · hearing aids $700/yr | $0 | $3,500 | $3,500 | 4★ |
| 19 | Blue Best Life Classic (HMO)Blue Cross Blue Shield of Arizona (AZ Blue) · HMO2 of 15 counties · drug deductible $500Dental up to $2,000/yr · eyewear $200/yr | $0 | $3,550 | $3,550 | 3.5★ |
| 20 | Blue Best Life Plus (HMO)Blue Cross Blue Shield of Arizona (AZ Blue) · HMO2 of 15 counties · drug deductible $500Dental up to $3,000/yr · eyewear $200/yr · OTC items $100/yr | $49 | $3,000 | $3,588 | 3.5★ |
| 21 | eternalHealth Harmony (HMO)eternalHealth · HMO3 of 15 counties · drug deductible $250Dental up to $1,000/yr · eyewear $200/yr · OTC items $440/yr | $0 | $4,000 | $4,000 | 2.5★ |
| 22 | eternalHealth Horizon (HMO)eternalHealth · HMO4 of 15 counties · drug deductible $200Dental up to $2,800/yr · eyewear $200/yr · OTC items $280/yr | $0 | $4,000 | $4,000 | 2.5★ |
| 23 | AARP Medicare Advantage from UHC AZ-0003 (HMO-POS)UnitedHealthcare · HMO-POS2 of 15 counties · drug deductible $685Dental up to $3,000/yr · eyewear $125/yr · hearing aids $700/yr | $26 | $3,900 | $4,212 | 4★ |
| 24 | HumanaChoice H5216-224 (PPO)Humana · PPO12 of 15 counties · drug deductible $500Dental up to $2,000/yr · eyewear $200/yr | $16.80 | $4,150 | $4,352 | 4★ |
| 25 | Blue Best Life Select (HMO)Blue Cross Blue Shield of Arizona (AZ Blue) · HMO2 of 15 counties · drug deductible $490Dental up to $1,000/yr · eyewear $200/yr | $0 | $4,450 | $4,450 | 3.5★ |
| 26 | DEVOTED CORE 001 AZ (HMO)Devoted Health · HMO2 of 15 counties · drug deductible $650Dental up to $1,000/yr · eyewear $200/yr · OTC items $140/yr | $0 | $4,500 | $4,500 | 4★ |
| 27 | DEVOTED GIVEBACK EXTRAS 105 AZ (HMO)Devoted Health · HMO2 of 15 counties · drug deductible $700Part B giveback $85/mo · Dental up to $4,250/yr · eyewear $400/yr · OTC items $948/yr | $0−$85 Part B giveback | $5,550 | $4,530 | 4.5★ |
| 28 | HealthSpring Preferred Extra Savings (HMO)HealthSpring · HMO3 of 15 counties · drug deductible $300Part B giveback $170/mo · Dental up to $500/yr · eyewear $100/yr | $0−$170 Part B giveback | $6,900 | $4,860 | 3.5★ |
| 29 | Humana Value Choice (PPO)Humana · PPO3 of 15 counties · drug deductible $700Dental up to $500/yr · eyewear $100/yr | $0 | $5,220 | $5,220 | 4.5★ |
| 30 | HumanaChoice H5216-265 (PPO)Humana · PPO3 of 15 counties · drug deductible $700Dental up to $1,250/yr · eyewear $100/yr | $0 | $5,220 | $5,220 | 4★ |
| 31 | Humana Essentials Plus Giveback (PPO)Humana · PPO3 of 15 counties · drug deductible $700Part B giveback $70/mo · Dental up to $2,000/yr · eyewear $150/yr | $0−$70 Part B giveback | $6,100 | $5,260 | 4.5★ |
| 32 | HumanaChoice Giveback H5216-371 (PPO)Humana · PPO3 of 15 counties · drug deductible $700Part B giveback $66/mo · Dental up to $2,000/yr · eyewear $150/yr | $0−$66 Part B giveback | $6,100 | $5,308 | 4★ |
| 33 | AARP Medicare Advantage Extras from UHC AZ-5 (HMO-POS)UnitedHealthcare · HMO-POS2 of 15 counties · drug deductible $685Dental up to $4,000/yr · eyewear $125/yr · hearing aids $700/yr | $0 | $5,400 | $5,400 | 4★ |
| 34 | HealthSpring True Choice (PPO)HealthSpring · PPO3 of 15 counties · drug deductible $600Dental up to $1,200/yr | $0 | $5,500 | $5,500 | 3★ |
| 35 | DEVOTED CHOICE 001 AZ (PPO)Devoted Health · PPO2 of 15 counties · drug deductible $650Dental up to $1,500/yr · eyewear $150/yr · OTC items $72/yr | $0 | $5,900 | $5,900 | 3.5★ |
| 36 | DEVOTED CORE 020 AZ (HMO)Devoted Health · HMO2 of 15 counties · drug deductible $465Dental up to $1,500/yr · eyewear $200/yr · OTC items $120/yr | $0 | $5,900 | $5,900 | 4★ |
| 37 | Aetna Medicare Value Care (PPO)Aetna Medicare · PPO3 of 15 counties · drug deductible $700Dental up to $1,250/yr · eyewear $150/yr · hearing aids $1,000/yr per ear · OTC items $120/yr | $16.80 | $5,900 | $6,102 | 4★ |
| 38 | Humana Gold Plus H0028-028 (HMO)Humana · HMO3 of 15 counties · drug deductible $325Dental up to $500/yr · eyewear $100/yr | $0 | $6,550 | $6,550 | 4.5★ |
| 39 | DEVOTED GIVEBACK 091 AZ (HMO)Devoted Health · HMO2 of 15 counties · drug deductible $650Part B giveback $190/mo · Dental up to $250/yr · eyewear $400/yr · OTC items $560/yr | $0−$190 Part B giveback | $8,850 | $6,570 | 4.5★ |
| 40 | Aetna Medicare Signature (HMO)Aetna Medicare · HMO3 of 15 counties · drug deductible $700Dental up to $500/yr · eyewear $175/yr · hearing aids $1,000/yr per ear | $0 | $6,750 | $6,750 | 3★ |
| 41 | DEVOTED GIVEBACK 019 AZ (HMO)Devoted Health · HMO2 of 15 counties · drug deductible $461Part B giveback $174.70/mo · Dental up to $250/yr · eyewear $400/yr · OTC items $560/yr | $0−$174.70 Part B giveback | $8,900 | $6,804 | 4★ |
| 42 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO3 of 15 counties · drug deductible $700Dental up to $500/yr · eyewear $100/yr · hearing aids $1,000/yr per ear | $0 | $7,150 | $7,150 | 4★ |
| 43 | Humana Essentials Plus Giveback (PPO)Humana · PPO12 of 15 counties · drug deductible $450Part B giveback $52/mo · Dental up to $750/yr · eyewear $150/yr | $0−$52 Part B giveback | $7,850 | $7,226 | 4★ |
| 44 | HumanaChoice R7220-002 (Regional PPO)Humana · Regional PPOAll 15 counties · drug deductible $700Dental · eyewear $150/yr | $110 | $7,150 | $8,470 | 3★ |
| 45 | HumanaChoice H5216-034 (PPO)Humana · PPO5 of 15 counties · drug deductible $700Dental · eyewear $100/yr | $127 | $7,900 | $9,424 | 4★ |
Worst-case year = 12 × (monthly plan premium − any Part B giveback) + in-network maximum out-of-pocket. The giveback is money back on the Part B premium ($202.90 a month in 2026), which is otherwise the same for everyone, so a large one can push the worst-case year below $0; drug costs are capped separately at $2,400 in 2027. Other extras are the yearly maximums each plan filed with CMS and don’t change the order. Methodology
What changed since 2026
- Plans with drug coverage: 52 in 2026, 52 in 2027.
- $0-premium plans: 46 in 2026, 46 in 2027.
- Median in-network out-of-pocket maximum: $4,425 in 2026, $4,825 in 2027.
- 277,346 people here were in a general-audience Advantage plan in October 2026; 8,125 of them are in a plan that ends or leaves the county for 2027 and must choose again.
From our 2026 vs. 2027 Medicare Advantage study (CMS landscape, enrollment and crosswalk files).
Before you enroll, check that your doctors are in the plan’s network and how it covers your drugs in the Medicare Plan Finder. Weighing Advantage against Original Medicare with a Medigap plan? Run the county calculator.
Also sold here without drug coverage: Humana USAA Honor Giveback (PPO), Aetna Medicare Eagle (PPO), eternalHealth Valor Give Back (HMO-POS), DEVOTED MA ONLY 005 AZ (HMO), DEVOTED CHOICE MA ONLY 005 AZ (PPO), AARP Medicare Advantage Patriot No Rx AZ-MA2 (HMO-POS), HumanaChoice R7220-001 (Regional PPO).
Questions
How many Medicare Advantage plans are in Maricopa County for 2027?
45 general-audience plans with drug coverage, 39 of them with a $0 monthly premium, compared with 52 plans and 46 $0-premium plans in 2026. Special Needs Plans aren't counted.
Which plan has the lowest worst-case cost in Maricopa County?
SCAN Classic (HMO) from SCAN Health Plan: $0 a month with an in-network out-of-pocket maximum of $2,000, so at most about $2,000 for the year in premiums and in-network costs.
Do any Maricopa County plans have a Part B giveback?
10 do. The largest is $190 a month off your Part B premium, from DEVOTED GIVEBACK 091 AZ (HMO).
How many Maricopa County plans have 4 or more stars?
25 of 45, based on CMS's 2027 ratings of the contract behind each plan.
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.
- County population: 2020 Census, via the USDA Rural-Urban Continuum Codes (2023).
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. · Advertiser disclosure
Keep going
- All Arizona Medicare Advantage plans →
- Best Part D plans in Arizona →
- HMO vs. PPO and star ratings →
Other Arizona counties
Cochise County · Coconino County · Mohave County · Navajo County · Pima County · Pinal County · Yavapai County · Yuma County