Best Medicare Advantage Plans in Ada County, ID for 2027
Every general-audience Medicare Advantage plan with drug coverage sold in Ada 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.
Ada County plans, ranked
| # | 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 | 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 |
| 7 | 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★ |
| 8 | 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★ |
| 9 | 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★ |
| 10 | 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★ |
| 11 | 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★ |
| 12 | 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★ |
| 13 | HumanaChoice H5216-048 (PPO)Humana · PPO23 of 39 counties · drug deductible $700Dental · eyewear $100/yr | $97 | $7,000 | $8,164 | 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: 23 in 2026, 19 in 2027.
- $0-premium plans: 15 in 2026, 10 in 2027.
- Median in-network out-of-pocket maximum: $6,400 in 2026, $6,660 in 2027.
- 49,615 people here were in a general-audience Advantage plan in October 2026; 13,648 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: True Blue Valor (HMO), Humana USAA Honor Giveback (PPO), Secure Blue Courage (PPO), AARP Medicare Advantage Patriot No Rx ID-MA01 (HMO-POS), PacificSource Medicare Idaho Basic (HMO-POS), Humana USAA Honor Giveback (PPO).
Questions
How many Medicare Advantage plans are in Ada County for 2027?
13 general-audience plans with drug coverage, 5 of them with a $0 monthly premium, compared with 23 plans and 15 $0-premium plans in 2026. Special Needs Plans aren't counted.
Which plan has the lowest worst-case cost in Ada County?
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 for the year in premiums and in-network costs.
Do any Ada County plans have a Part B giveback?
None of the plans with drug coverage here files a Part B premium reduction for 2027.
How many Ada County plans have 4 or more stars?
9 of 13, 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