Best Medicare Advantage Plans in Idaho for 2027
Every general-audience Medicare Advantage plan with drug coverage in Idaho, 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.
Idaho plans, ranked
Showing all 26 plans.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | True Blue Rx 32PSP (HMO)Blue Cross of Idaho · HMO6 of 39 counties · drug deductible $205Preventive dental · eyewear $50/yr | $24 | $5,900 | $6,188 | 3★ |
| 2 | Humana Full Access (PPO)Humana · PPO7 of 39 counties · drug deductible $700Dental up to $3,000/yr · eyewear $150/yr | $30 | $5,900 | $6,260 | 4.5★ |
| 3 | Humana Gold Plus H2486-005 (HMO)Humana · HMO9 of 39 counties · drug deductible $300Dental up to $1,000/yr · eyewear $100/yr | $0 | $6,520 | $6,520 | 4★ |
| 4 | Humana Total Complete (HMO)Humana · HMO9 of 39 counties · drug deductible $700Dental up to $1,500/yr · eyewear $100/yr | $0 | $6,660 | $6,660 | 4★ |
| 5 | True Blue Rx 33 (HMO)Blue Cross of Idaho · HMO6 of 39 counties · drug deductible $205Preventive dental · eyewear $50/yr | $64 | $5,900 | $6,668 | 3★ |
| 6 | True Blue Rx 34 (HMO)Blue Cross of Idaho · HMO1 of 39 counties · drug deductible $205Preventive dental · eyewear $50/yr | $69 | $5,900 | $6,728 | 3★ |
| 7 | True Blue Rx 36 (HMO)Blue Cross of Idaho · HMO1 of 39 counties · drug deductible $205Preventive dental · eyewear $50/yr | $79 | $5,900 | $6,848 | 3★ |
| 8 | St. Luke's Advantage Rx 01 (HMO)St. Luke's Health Plan · HMO3 of 39 counties · drug deductible $299Preventive dental · eyewear $150/yr · hearing aids $333/yr | $77 | $5,950 | $6,874 | Too new to rate |
| 9 | True Blue Rx 35PSP (HMO)Blue Cross of Idaho · HMO3 of 39 counties · drug deductible $205Preventive dental · eyewear $50/yr | $89 | $5,900 | $6,968 | 3★ |
| 10 | Humana Value Choice (PPO)Humana · PPO7 of 39 counties · drug deductible $700Dental up to $2,500/yr · eyewear $100/yr | $0 | $7,000 | $7,000 | 4★ |
| 11 | AARP Medicare Advantage from UHC ID-0005 (HMO-POS)UnitedHealthcare · HMO-POS7 of 39 counties · drug deductible $685Dental up to $1,000/yr · eyewear $100/yr · hearing aids $700/yr | $65 | $6,300 | $7,080 | 4★ |
| 12 | AARP Medicare Advantage from UHC ID-0001 (PPO)UnitedHealthcare · PPO2 of 39 counties · drug deductible $685Preventive dental · eyewear $88/yr · hearing aids $700/yr | $33 | $6,700 | $7,096 | 4★ |
| 13 | AARP Medicare Advantage from UHC ID-0003 (PPO)UnitedHealthcare · PPO2 of 39 counties · drug deductible $685Preventive dental · eyewear $75/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 4★ |
| 14 | AARP Medicare Advantage from UHC ID-0009 (HMO-POS)UnitedHealthcare · HMO-POS12 of 39 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 4★ |
| 15 | Humana Value Choice (PPO)Humana · PPO7 of 39 counties · drug deductible $700Dental up to $3,500/yr · eyewear $150/yr | $0 | $7,150 | $7,150 | 4.5★ |
| 16 | St. Luke's Advantage Rx 03 (HMO)St. Luke's Health Plan · HMO2 of 39 counties · drug deductible $299Preventive dental · eyewear $150/yr · hearing aids $333/yr | $107 | $5,950 | $7,234 | Too new to rate |
| 17 | AARP Medicare Advantage from UHC ID-0008 (HMO-POS)UnitedHealthcare · HMO-POS5 of 39 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $14 | $7,150 | $7,318 | 4★ |
| 18 | True Blue Rx 37 (HMO)Blue Cross of Idaho · HMO16 of 39 counties · drug deductible $205Preventive dental · eyewear $50/yr | $129 | $5,900 | $7,448 | 3★ |
| 19 | AARP Medicare Advantage from UHC ID-0006 (HMO-POS)UnitedHealthcare · HMO-POS5 of 39 counties · drug deductible $685Dental up to $1,000/yr · eyewear $100/yr · hearing aids $700/yr | $64 | $6,700 | $7,468 | 4★ |
| 20 | AARP Medicare Advantage from UHC ID-0007 (HMO-POS)UnitedHealthcare · HMO-POS12 of 39 counties · drug deductible $685Dental up to $1,500/yr · eyewear $125/yr · hearing aids $1,000/yr | $77 | $6,700 | $7,624 | 4★ |
| 21 | HumanaChoice H5525-054 (PPO)Humana · PPO13 of 39 counties · drug deductible $700Dental · eyewear $100/yr | $70 | $7,150 | $7,990 | 4★ |
| 22 | PacificSource Medicare River Select Rx (HMO-POS)PacificSource Medicare · HMO-POS8 of 39 counties · drug deductible $700Dental up to $1,000/yr · eyewear $50/yr | $84 | $7,150 | $8,158 | 3★ |
| 23 | HumanaChoice H5216-048 (PPO)Humana · PPO23 of 39 counties · drug deductible $700Dental · eyewear $100/yr | $97 | $7,000 | $8,164 | 4★ |
| 24 | St. Luke's Advantage Rx 02 (HMO)St. Luke's Health Plan · HMO2 of 39 counties · drug deductible $299Preventive dental · eyewear $150/yr · hearing aids $333/yr | $142 | $6,950 | $8,654 | Too new to rate |
| 25 | True West Rx 4 (PPO)Range Health · PPO1 of 39 counties · drug deductible $205Preventive dental up to $500/yr · eyewear $50/yr | $139 | $8,000 | $9,668 | Too new to rate |
| 26 | True West Rx 5 (PPO)Range Health · PPO3 of 39 counties · drug deductible $700Preventive dental up to $500/yr · eyewear $50/yr | $199 | $8,000 | $10,388 | Too new to rate |
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 7 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 | True Blue Valor (HMO)Blue Cross of Idaho · HMO24 of 39 countiesDental up to $1,500/yr · eyewear $50/yr | $34 | $3,000 | $3,408 | 3★ |
| 2 | Humana USAA Honor Giveback (PPO)Humana · PPO23 of 39 countiesPart B giveback $43/mo · Dental up to $2,500/yr · eyewear $150/yr | $0−$43 Part B giveback | $5,100 | $4,584 | 4★ |
| 3 | Secure Blue Courage (PPO)Blue Cross of Idaho · PPO24 of 39 countiesPart B giveback $45/mo · Dental up to $2,000/yr · eyewear $50/yr | $0−$45 Part B giveback | $5,200 | $4,660 | Not rated |
| 4 | AARP Medicare Advantage Patriot No Rx ID-MA01 (HMO-POS)UnitedHealthcare · HMO-POS24 of 39 countiesPart B giveback $165/mo · Dental up to $1,500/yr · eyewear $125/yr · hearing aids $1,000/yr | $0−$165 Part B giveback | $6,700 | $4,720 | 4★ |
| 5 | PacificSource Medicare Idaho Basic (HMO-POS)PacificSource Medicare · HMO-POS8 of 39 countiesPart B giveback $60/mo · Dental up to $1,000/yr · eyewear $200/yr | $0−$60 Part B giveback | $7,150 | $6,430 | 3★ |
| 6 | Humana USAA Honor Giveback (PPO)Humana · PPO23 of 39 countiesPart B giveback $100/mo · Dental up to $1,500/yr · eyewear $150/yr | $0−$100 Part B giveback | $9,150 | $7,950 | 4★ |
| 7 | True West No Rx 3 (PPO)Range Health · PPO4 of 39 countiesPreventive dental up to $500/yr · eyewear $50/yr | $149 | $6,750 | $8,538 | Too new to rate |
County pages
Ada County · Bonneville County · Canyon County · Kootenai County
Questions
How many Medicare Advantage plans are available in Idaho for 2027?
CMS lists 26 general-audience Medicare Advantage plans with drug coverage in Idaho for 2027, from 5 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 Idaho?
Yes. 6 of the 26 plans have a $0 monthly plan premium in 2027. You still pay the Part B premium ($202.90 a month in 2026).
Which Idaho Medicare Advantage plan has the lowest worst-case cost?
True Blue Rx 32PSP (HMO) from Blue Cross of Idaho: $24 a month with an in-network out-of-pocket maximum of $5,900, so at most about $6,188 in premiums and in-network costs for the year. It is offered in 6 of 39 counties.
Which Idaho Medicare Advantage plans have 4 or more stars?
14 of the 26 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 Idaho Medicare Advantage plans have a Part B giveback?
None of the 26 plans with drug coverage files a Part B premium reduction for 2027.
What is the typical out-of-pocket maximum in Idaho?
The median in-network out-of-pocket maximum among these plans is $6,700. 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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