Best Medicare Advantage Plans in Delaware County, PA for 2027
Every general-audience Medicare Advantage plan with drug coverage sold in Delaware 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.
Delaware County plans, ranked
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Perennial Advantage Freedom (HMO)Perennial Advantage · HMO12 of 67 counties · drug deductible $400Dental up to $2,100/yr · eyewear $150/yr · hearing aids $600/yr | $0 | $4,500 | $4,500 | Not rated |
| 2 | Humana USAA Honor Giveback with Rx (PPO)Humana · PPO62 of 67 counties · drug deductible $700Part B giveback $84/mo · Dental up to $3,000/yr · eyewear $200/yr | $0−$84 Part B giveback | $7,350 | $6,342 | 4★ |
| 3 | HumanaChoice H5525-086 (PPO)Humana · PPO31 of 67 counties · drug deductible $700Dental up to $2,000/yr · eyewear $300/yr | $38 | $6,050 | $6,506 | 4★ |
| 4 | Keystone 65 Preferred Rx (HMO)Independence Blue Cross · HMO3 of 67 counties · drug deductible $0Preventive dental · eyewear $250/yr · OTC items $120/yr | $178 | $4,450 | $6,586 | 4★ |
| 5 | AARP Medicare Advantage from UHC PA-0008 (PPO)UnitedHealthcare · PPOAll 67 counties · drug deductible $685Dental up to $5,000/yr · eyewear $100/yr · hearing aids $700/yr | $60 | $5,900 | $6,620 | 4★ |
| 6 | Jefferson Health Plans Prime (HMO)Jefferson Health Plans · HMO20 of 67 counties · drug deductible $0Dental up to $2,000/yr · eyewear $300/yr · OTC items $340/yr | $12.80 | $6,500 | $6,654 | 3★ |
| 7 | AARP Medicare Advantage Essentials from UHC PA-5 (HMO-POS)UnitedHealthcare · HMO-POS5 of 67 counties · drug deductible $685Preventive dental · hearing aids $1,000/yr | $0 | $6,700 | $6,700 | 4★ |
| 8 | Humana Essentials Plus Giveback (PPO)Humana · PPO39 of 67 counties · drug deductible $700Part B giveback $110/mo · Dental · eyewear $200/yr | $0−$110 Part B giveback | $8,250 | $6,930 | 4★ |
| 9 | Jefferson Health Plans Preferred (PPO)Jefferson Health Plans · PPO20 of 67 counties · drug deductible $0Dental up to $1,450/yr · eyewear $200/yr · OTC items $300/yr | $40 | $6,500 | $6,980 | 3★ |
| 10 | DEVOTED CHOICE 007 PA (PPO)Devoted Health · PPO30 of 67 counties · drug deductible $650Dental up to $2,500/yr · eyewear $200/yr · OTC items $300/yr | $0 | $7,100 | $7,100 | 3★ |
| 11 | AARP Medicare Advantage Extras from UHC PA-18 (HMO-POS)UnitedHealthcare · HMO-POS5 of 67 counties · drug deductible $685Dental up to $2,500/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 4★ |
| 12 | AARP Medicare Advantage from UHC PA-0010 (PPO)UnitedHealthcare · PPO5 of 67 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 4★ |
| 13 | Aetna Medicare Signature Extra (PPO)Aetna Medicare · PPO38 of 67 counties · drug deductible $700Dental up to $500/yr · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $7,150 | $7,150 | 4★ |
| 14 | HealthSpring Preferred Savings (HMO)HealthSpring · HMO5 of 67 counties · drug deductible $300Part B giveback $165/mo · Dental up to $250/yr · eyewear $100/yr | $0−$165 Part B giveback | $9,250 | $7,270 | 3★ |
| 15 | Keystone 65 Focus Rx (HMO-POS)Independence Blue Cross · HMO-POS3 of 67 counties · drug deductible $700Preventive dental · eyewear $250/yr · OTC items $300/yr | $15 | $7,150 | $7,330 | 4★ |
| 16 | AARP Medicare Advantage from UHC PA-0001 (HMO-POS)UnitedHealthcare · HMO-POS5 of 67 counties · drug deductible $685Dental up to $2,500/yr · eyewear $100/yr · hearing aids $700/yr | $63 | $6,700 | $7,456 | 4★ |
| 17 | DEVOTED CORE 023 PA (HMO)Devoted Health · HMO5 of 67 counties · drug deductible $650Dental up to $2,750/yr · eyewear $200/yr · OTC items $136/yr | $0 | $7,500 | $7,500 | 3.5★ |
| 18 | Jefferson Health Plans Complete (HMO)Jefferson Health Plans · HMO20 of 67 counties · drug deductible $0Dental up to $2,000/yr · eyewear $250/yr · OTC items $200/yr | $0 | $7,500 | $7,500 | 3★ |
| 19 | DEVOTED GIVEBACK EXTRAS 036 PA (HMO)Devoted Health · HMO5 of 67 counties · drug deductible $700Part B giveback $70/mo · Dental up to $3,000/yr · eyewear $250/yr · OTC items $720/yr | $0−$70 Part B giveback | $8,400 | $7,560 | 3.5★ |
| 20 | DEVOTED CHOICE GIVEBACK 003 PA (PPO)Devoted Health · PPO8 of 67 counties · drug deductible $461Part B giveback $184.70/mo · Dental up to $250/yr · eyewear $200/yr · OTC items $364/yr | $0−$184.70 Part B giveback | $9,850 | $7,634 | 3★ |
| 21 | HealthSpring Preferred Plus (HMO)HealthSpring · HMO5 of 67 counties · drug deductible $500Dental up to $2,250/yr · eyewear $225/yr · OTC items $240/yr | $44 | $7,150 | $7,678 | 3★ |
| 22 | HealthSpring Preferred (HMO)HealthSpring · HMO7 of 67 counties · drug deductible $500Dental up to $1,100/yr · eyewear $150/yr · OTC items $80/yr | $0 | $7,700 | $7,700 | 3★ |
| 23 | Humana Value Choice (PPO)Humana · PPO5 of 67 counties · drug deductible $700Dental up to $500/yr · eyewear $100/yr | $0 | $7,750 | $7,750 | 4★ |
| 24 | Keystone 65 Select Rx (HMO)Independence Blue Cross · HMO3 of 67 counties · drug deductible $0Dental up to $1,500/yr · eyewear $250/yr · OTC items $120/yr | $94 | $6,750 | $7,878 | 4★ |
| 25 | Jefferson Health Plans Flex (PPO)Jefferson Health Plans · PPO20 of 67 counties · drug deductible $0Dental up to $3,000/yr · eyewear $100/yr | $0 | $8,000 | $8,000 | 3★ |
| 26 | HealthSpring True Choice (PPO)HealthSpring · PPO7 of 67 counties · drug deductible $700Dental up to $500/yr · eyewear $100/yr | $9 | $7,900 | $8,008 | 3★ |
| 27 | HumanaChoice R0110-008 (Regional PPO)Humana · Regional PPOAll 67 counties · drug deductible $700Dental · eyewear $100/yr | $75 | $7,150 | $8,050 | 3.5★ |
| 28 | AARP Medicare Advantage from UHC PA-0009 (PPO)UnitedHealthcare · PPO5 of 67 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $81 | $7,150 | $8,122 | 4★ |
| 29 | Humana Total Complete (HMO)Humana · HMO5 of 67 counties · drug deductible $700Dental up to $2,000/yr · eyewear $100/yr | $0 | $8,200 | $8,200 | 4★ |
| 30 | Jefferson Health Plans Giveback (HMO)Jefferson Health Plans · HMO20 of 67 counties · drug deductible $450Part B giveback $132/mo · Dental up to $2,000/yr · eyewear $200/yr | $0−$132 Part B giveback | $9,850 | $8,266 | 3★ |
| 31 | Personal Choice 65 Rx (PPO)Independence Blue Cross · PPO3 of 67 counties · drug deductible $0Dental up to $1,500/yr · eyewear $250/yr · OTC items $120/yr | $207 | $5,950 | $8,434 | 4★ |
| 32 | AARP Medicare Advantage Giveback from UHC PA-12 (PPO)UnitedHealthcare · PPOAll 67 counties · drug deductible $685Part B giveback $55/mo · Preventive dental · hearing aids $700/yr | $0−$55 Part B giveback | $9,200 | $8,540 | 4★ |
| 33 | Aetna Medicare Advantra Premier (PPO)Aetna Medicare · PPO5 of 67 counties · drug deductible $700Dental up to $1,000/yr · eyewear $275/yr · hearing aids $500/yr per ear · OTC items $120/yr | $128 | $7,150 | $8,686 | 4.5★ |
| 34 | HealthSpring Preferred PA (HMO)HealthSpring · HMO5 of 67 counties · drug deductible $400Dental up to $5,000/yr · eyewear $100/yr | $0 | $8,700 | $8,700 | 3★ |
| 35 | HumanaChoice H5525-005 (PPO)Humana · PPO31 of 67 counties · drug deductible $700Dental up to $750/yr · eyewear $250/yr | $39 | $8,300 | $8,768 | 4★ |
| 36 | HumanaChoice H5216-120 (PPO)Humana · PPO63 of 67 counties · drug deductible $700Dental up to $1,250/yr · eyewear $200/yr | $107 | $7,600 | $8,884 | 4★ |
| 37 | Aetna Medicare Advantra Signature Giveback (PPO)Aetna Medicare · PPO62 of 67 counties · drug deductible $700Part B giveback $42/mo · Dental up to $500/yr · eyewear $100/yr · hearing aids $500/yr per ear · OTC items $60/yr | $0−$42 Part B giveback | $9,850 | $9,346 | 4.5★ |
| 38 | Geisinger Gold Value Rx (HMO)Geisinger Gold · HMO63 of 67 counties · drug deductible $0Dental up to $500/yr · eyewear $135/yr · OTC items $480/yr | $29 | $9,000 | $9,348 | 4★ |
| 39 | Keystone 65 Essential Rx (HMO-POS)Independence Blue Cross · HMO-POS5 of 67 counties · drug deductible $700Dental up to $1,500/yr · eyewear $250/yr | $45 | $9,000 | $9,540 | 4★ |
| 40 | Keystone 65 Basic Rx (HMO)Independence Blue Cross · HMO5 of 67 counties · drug deductible $700Dental up to $1,200/yr · eyewear $250/yr · OTC items $100/yr | $15 | $9,500 | $9,680 | 4★ |
| 41 | Aetna Medicare Advantra Signature (HMO-POS)Aetna Medicare · HMO-POS5 of 67 counties · drug deductible $400Dental up to $500/yr · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $9,850 | $9,850 | 3.5★ |
| 42 | Aetna Medicare Elite (PPO)Aetna Medicare · PPO5 of 67 counties · drug deductible $700Dental up to $500/yr · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $9,850 | $9,850 | 4.5★ |
| 43 | Clover Health Choice (PPO)Clover Health · PPO3 of 67 counties · drug deductible $0Dental up to $1,500/yr · eyewear $250/yr · OTC items $340/yr | $0 | $9,850 | $9,850 | 5★ |
| 44 | Keystone 65 Assured Rx (HMO)Independence Blue Cross · HMO5 of 67 counties · drug deductible $700Preventive dental · eyewear $250/yr · OTC items $120/yr | $0 | $9,850 | $9,850 | 4★ |
| 45 | Personal Choice 65 Achieve Rx (PPO)Independence Blue Cross · PPO5 of 67 counties · drug deductible $700Preventive dental | $0 | $9,850 | $9,850 | 4★ |
| 46 | Wellcare Simple (HMO-POS)Wellcare · HMO-POS57 of 67 counties · drug deductible $700Dental up to $3,000/yr · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $9,850 | $9,850 | 3.5★ |
| 47 | Aetna Medicare Value Care (HMO-POS)Aetna Medicare · HMO-POS5 of 67 counties · drug deductible $700Dental up to $1,000/yr · eyewear $275/yr · hearing aids $500/yr per ear · OTC items $200/yr | $43 | $9,850 | $10,366 | 3.5★ |
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: 66 in 2026, 59 in 2027.
- $0-premium plans: 37 in 2026, 38 in 2027.
- Median in-network out-of-pocket maximum: $6,750 in 2026, $7,350 in 2027.
- 30,029 people here were in a general-audience Advantage plan in October 2026; 1,683 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: HumanaChoice Giveback H5216-116 (PPO), AARP Medicare Advantage Patriot No Rx PA-MA01 (HMO-POS), HumanaChoice R0110-007 (Regional PPO), UPMC for Life HMO No Rx (HMO), Humana USAA Honor Giveback (PPO), Keystone 65 Liberty Medical Only (HMO), Keystone 65 Preferred Medical Only (HMO), Geisinger Gold Heritage (HMO), Aetna Medicare Advantra Eagle (HMO-POS), Keystone 65 Select Medical Only (HMO), Clover Health Valor (PPO), UPMC for Life PPO Salute (PPO).
Questions
How many Medicare Advantage plans are in Delaware County for 2027?
47 general-audience plans with drug coverage, 27 of them with a $0 monthly premium, compared with 66 plans and 37 $0-premium plans in 2026. Special Needs Plans aren't counted.
Which plan has the lowest worst-case cost in Delaware County?
Perennial Advantage Freedom (HMO) from Perennial Advantage: $0 a month with an in-network out-of-pocket maximum of $4,500, so at most about $4,500 for the year in premiums and in-network costs.
Do any Delaware County plans have a Part B giveback?
8 do. The largest is $184.70 a month off your Part B premium, from DEVOTED CHOICE GIVEBACK 003 PA (PPO).
How many Delaware County plans have 4 or more stars?
28 of 47, 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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