Best Medicare Advantage Plans in North Dakota for 2027
Every general-audience Medicare Advantage plan with drug coverage in North Dakota, 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.
North Dakota plans, ranked
Showing all 10 plans.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Medica Advantage Preferred (PPO)Medica · PPO4 of 32 counties · drug deductible $280Dental up to $1,000/yr · eyewear $300/yr · OTC items $40/yr | $181 | $3,300 | $5,472 | 4★ |
| 2 | Aetna Medicare Elite (PPO)Aetna Medicare · PPO29 of 32 counties · drug deductible $500Preventive dental · eyewear $150/yr · hearing aids $1,250/yr per ear · OTC items $120/yr | $0 | $5,900 | $5,900 | 2.5★ |
| 3 | Medica Advantage Select (PPO)Medica · PPO4 of 32 counties · drug deductible $420Dental up to $700/yr · eyewear $150/yr · OTC items $40/yr | $61 | $5,800 | $6,532 | 4★ |
| 4 | Aetna Medicare Signature Classic Extra (PPO)Aetna Medicare · PPO29 of 32 counties · drug deductible $400Dental up to $750/yr · eyewear $175/yr · hearing aids $1,250/yr per ear · OTC items $80/yr | $0 | $7,150 | $7,150 | 4★ |
| 5 | Aetna Medicare Signature Extra (PPO)Aetna Medicare · PPO29 of 32 counties · drug deductible $400Dental up to $750/yr · eyewear $175/yr · hearing aids $1,250/yr per ear · OTC items $100/yr | $0 | $7,150 | $7,150 | 4★ |
| 6 | Medica Advantage Value (PPO)Medica · PPO4 of 32 counties · drug deductible $700Dental up to $500/yr · eyewear $75/yr | $14 | $7,150 | $7,318 | 4★ |
| 7 | AARP Medicare Advantage from UHC FG-0001 (PPO)UnitedHealthcare · PPO11 of 32 counties · drug deductible $700Dental up to $2,500/yr · eyewear $175/yr · hearing aids $700/yr | $24.60 | $7,150 | $7,445 | 4.5★ |
| 8 | Align SecureChoice Gold (PPO)Align powered by Sanford Health Plan · PPO17 of 32 counties · drug deductible $350Dental up to $500/yr · eyewear $200/yr · OTC items $340/yr | $100 | $6,500 | $7,700 | 4★ |
| 9 | AARP Medicare Advantage from UHC FG-0002 (PPO)UnitedHealthcare · PPO10 of 32 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $52 | $7,150 | $7,774 | 4.5★ |
| 10 | Align SecureChoice (PPO)Align powered by Sanford Health Plan · PPO17 of 32 counties · drug deductible $500Preventive dental · eyewear $100/yr · OTC items $200/yr | $60 | $7,150 | $7,870 | 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 2 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 | Medica Advantage Salute (PPO)Medica · PPO4 of 32 countiesPart B giveback $160/mo · Dental up to $1,500/yr · eyewear $200/yr · OTC items $200/yr | $0−$160 Part B giveback | $4,450 | $2,530 | 4★ |
| 2 | AARP Medicare Advantage Patriot No Rx FG-MA01 (PPO)UnitedHealthcare · PPO11 of 32 countiesPart B giveback $170/mo · Dental up to $5,000/yr · eyewear $125/yr · hearing aids $700/yr | $0−$170 Part B giveback | $5,900 | $3,860 | 4.5★ |
County pages
Questions
How many Medicare Advantage plans are available in North Dakota for 2027?
CMS lists 10 general-audience Medicare Advantage plans with drug coverage in North Dakota for 2027, from 4 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 North Dakota?
Yes. 3 of the 10 plans have a $0 monthly plan premium in 2027. You still pay the Part B premium ($202.90 a month in 2026).
Which North Dakota Medicare Advantage plan has the lowest worst-case cost?
Medica Advantage Preferred (PPO) from Medica: $181 a month with an in-network out-of-pocket maximum of $3,300, so at most about $5,472 in premiums and in-network costs for the year. It is offered in 4 of 32 counties.
Which North Dakota Medicare Advantage plans have 4 or more stars?
9 of the 10 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 North Dakota Medicare Advantage plans have a Part B giveback?
None of the 10 plans with drug coverage files a Part B premium reduction for 2027.
What is the typical out-of-pocket maximum in North Dakota?
The median in-network out-of-pocket maximum among these plans is $7,150. 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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