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2027 plans · CMS data · Ranked by math
Best Medicare Advantage Plans in Pima County, AZ for 2027
Every general-audience Medicare Advantage plan with drug coverage sold in Pima 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 (50 in 2026)
39with a $0 premium (44 in 2026)
$1,899lowest worst-case year
11with a Part B giveback
Pima County plans, ranked
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Alignment Health ONE 008 (HMO)Alignment Health Plan · HMO1 of 15 counties · drug deductible $700Dental up to $2,500/yr · eyewear $300/yr · OTC items $240/yr | $0 | $1,899 | $1,899 | 4★ |
| 2 | 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★ |
| 3 | 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 |
| 4 | 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★ |
| 5 | 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★ |
| 6 | Alignment Health ONE + Walgreens 002 (HMO)Alignment Health Plan · HMO2 of 15 counties · drug deductible $0Dental up to $2,000/yr · eyewear $300/yr · OTC items $600/yr | $0 | $2,499 | $2,499 | 4★ |
| 7 | 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★ |
| 8 | 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★ |
| 9 | Humana Gold Plus H0028-074 (HMO)Humana · HMO2 of 15 counties · drug deductible $200Dental up to $1,750/yr · eyewear $200/yr | $0 | $2,550 | $2,550 | 4.5★ |
| 10 | Humana Total Complete (HMO)Humana · HMO2 of 15 counties · drug deductible $200Dental up to $1,750/yr · eyewear $200/yr | $0 | $2,550 | $2,550 | 4.5★ |
| 11 | Wellpoint Medicare Advantage 1 (HMO-POS)Wellpoint · HMO-POS1 of 15 counties · drug deductible $200Dental up to $500/yr · eyewear $225/yr · hearing aids $1,500/yr · OTC items $340/yr | $0 | $2,700 | $2,700 | 3.5★ |
| 12 | Wellpoint Premium Savings (HMO-POS)Wellpoint · HMO-POS1 of 15 counties · drug deductible $200Part B giveback $54/mo · Preventive dental · eyewear $225/yr · hearing aids $1,500/yr · OTC items $280/yr | $0−$54 Part B giveback | $3,400 | $2,752 | 3.5★ |
| 13 | AARP Medicare Advantage Essentials from UHC AZ-1 (HMO-POS)UnitedHealthcare · HMO-POS1 of 15 counties · drug deductible $595Preventive dental · eyewear $100/yr · hearing aids $1,000/yr | $0 | $2,800 | $2,800 | 4★ |
| 14 | 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★ |
| 15 | Aetna Medicare Prime (HMO)Aetna Medicare · HMO1 of 15 counties · drug deductible $400Dental up to $2,500/yr · eyewear $250/yr · hearing aids $1,000/yr per ear · OTC items $200/yr | $0 | $3,000 | $3,000 | Not rated |
| 16 | DEVOTED CORE 094 AZ (HMO)Devoted Health · HMO1 of 15 counties · drug deductible $650Dental up to $3,000/yr · eyewear $350/yr · OTC items $260/yr | $0 | $3,050 | $3,050 | 4.5★ |
| 17 | eternalHealth Catalina (HMO)eternalHealth · HMO1 of 15 counties · drug deductible $275Dental up to $1,000/yr · eyewear $200/yr · OTC items $300/yr | $0 | $3,100 | $3,100 | 2.5★ |
| 18 | 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★ |
| 19 | 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★ |
| 20 | AARP Medicare Advantage Extras from UHC AZ-4 (HMO-POS)UnitedHealthcare · HMO-POS1 of 15 counties · drug deductible $595Dental up to $4,000/yr · eyewear $100/yr · hearing aids $1,000/yr | $0 | $3,500 | $3,500 | 4★ |
| 21 | Blue Best Life Classic (HMO)Blue Cross Blue Shield of Arizona (AZ Blue) · HMO1 of 15 counties · drug deductible $500Dental up to $2,000/yr · eyewear $200/yr | $0 | $3,550 | $3,550 | 3.5★ |
| 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 | 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★ |
| 24 | Humana Gold Plus H0028-021 (HMO)Humana · HMO2 of 15 counties · drug deductible $350Dental · eyewear $200/yr | $0 | $4,400 | $4,400 | 4.5★ |
| 25 | Blue Best Life Select (HMO)Blue Cross Blue Shield of Arizona (AZ Blue) · HMO1 of 15 counties · drug deductible $490Dental up to $1,000/yr · eyewear $200/yr | $0 | $4,450 | $4,450 | 3.5★ |
| 26 | DEVOTED GIVEBACK EXTRAS 107 AZ (HMO)Devoted Health · HMO1 of 15 counties · drug deductible $700Part B giveback $85/mo · Dental up to $3,250/yr · eyewear $400/yr · OTC items $800/yr | $0−$85 Part B giveback | $5,650 | $4,630 | 4.5★ |
| 27 | 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★ |
| 28 | 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★ |
| 29 | 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★ |
| 30 | 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★ |
| 31 | 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★ |
| 32 | HealthSpring True Choice (PPO)HealthSpring · PPO3 of 15 counties · drug deductible $600Dental up to $1,200/yr | $0 | $5,500 | $5,500 | 3★ |
| 33 | DEVOTED CHOICE 003 AZ (PPO)Devoted Health · PPO1 of 15 counties · drug deductible $461Dental up to $2,500/yr · eyewear $300/yr · OTC items $160/yr | $0 | $5,900 | $5,900 | 3.5★ |
| 34 | 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★ |
| 35 | DEVOTED GIVEBACK 095 AZ (HMO)Devoted Health · HMO1 of 15 counties · drug deductible $650Part B giveback $190/mo · Dental up to $250/yr · eyewear $400/yr · OTC items $400/yr | $0−$190 Part B giveback | $8,850 | $6,570 | 4.5★ |
| 36 | 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★ |
| 37 | DEVOTED GIVEBACK 013 AZ (HMO)Devoted Health · HMO1 of 15 counties · drug deductible $461Part B giveback $174.70/mo · Dental up to $250/yr · eyewear $400/yr · OTC items $400/yr | $0−$174.70 Part B giveback | $8,900 | $6,804 | 4★ |
| 38 | AARP Medicare Advantage from UHC AZ-0007 (PPO)UnitedHealthcare · PPO1 of 15 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 4★ |
| 39 | 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★ |
| 40 | 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★ |
| 41 | AARP Medicare Advantage from UHC AZ-0011 (PPO)UnitedHealthcare · PPO1 of 15 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $53 | $6,700 | $7,336 | 4★ |
| 42 | AARP Medicare Advantage from UHC AZ-0013 (HMO-POS)UnitedHealthcare · HMO-POS3 of 15 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $60 | $7,150 | $7,870 | 4★ |
| 43 | Wellpoint Medicare Advantage 2 (HMO-POS)Wellpoint · HMO-POS1 of 15 counties · drug deductible $200Dental up to $350/yr · eyewear $100/yr · hearing aids $1,000/yr · OTC items $60/yr | $0 | $8,300 | $8,300 | 3★ |
| 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: 50 in 2026, 52 in 2027.
- $0-premium plans: 44 in 2026, 46 in 2027.
- Median in-network out-of-pocket maximum: $4,945 in 2026, $5,185 in 2027.
- 98,872 people here were in a general-audience Advantage plan in October 2026; 3,328 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 CHOICE MA ONLY 005 AZ (PPO), AARP Medicare Advantage Patriot No Rx AZ-MA3 (HMO-POS), AARP Medicare Advantage Patriot No Rx AZ-MA01 (PPO), HumanaChoice R7220-001 (Regional PPO).
Questions
How many Medicare Advantage plans are in Pima County for 2027?
45 general-audience plans with drug coverage, 39 of them with a $0 monthly premium, compared with 50 plans and 44 $0-premium plans in 2026. Special Needs Plans aren't counted.
Which plan has the lowest worst-case cost in Pima County?
Alignment Health ONE 008 (HMO) from Alignment Health Plan: $0 a month with an in-network out-of-pocket maximum of $1,899, so at most about $1,899 for the year in premiums and in-network costs.
Do any Pima County plans have a Part B giveback?
11 do. The largest is $190 a month off your Part B premium, from DEVOTED GIVEBACK 095 AZ (HMO).
How many Pima 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
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