Best Medicare Advantage Plans in Vermont for 2027
Every general-audience Medicare Advantage plan with drug coverage in Vermont, 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.
Vermont plans, ranked
Showing all 4 plans.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | HumanaChoice Giveback H5216-138 (PPO)Humana · PPOAll 6 counties · drug deductible $700Part B giveback $40/mo · Dental · eyewear $100/yr | $0−$40 Part B giveback | $7,150 | $6,670 | 4★ |
| 2 | HumanaChoice Giveback H7617-046 (PPO)Humana · PPO3 of 6 counties · drug deductible $700Part B giveback $40/mo · Dental · eyewear $100/yr | $0−$40 Part B giveback | $7,150 | $6,670 | 4.5★ |
| 3 | HumanaChoice H5216-473 (PPO)Humana · PPO4 of 6 counties · drug deductible $700Dental up to $3,000/yr · eyewear $200/yr | $113 | $5,900 | $7,256 | 4★ |
| 4 | HumanaChoice H5216-474 (PPO)Humana · PPO4 of 6 counties · drug deductible $550Dental · eyewear $100/yr | $5 | $9,850 | $9,910 | 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 1 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 | Humana USAA Honor Giveback (PPO)Humana · PPO4 of 6 countiesPart B giveback $123/mo · Dental up to $2,000/yr · eyewear $250/yr | $0−$123 Part B giveback | $4,950 | $3,474 | 4★ |
Questions
How many Medicare Advantage plans are available in Vermont for 2027?
CMS lists 4 general-audience Medicare Advantage plans with drug coverage in Vermont for 2027, from 1 parent company. Not every plan is sold in every county; use the county filter to see yours.
Are there $0 premium Medicare Advantage plans in Vermont?
Yes. 2 of the 4 plans have a $0 monthly plan premium in 2027. You still pay the Part B premium ($202.90 a month in 2026).
Which Vermont Medicare Advantage plan has the lowest worst-case cost?
HumanaChoice Giveback H5216-138 (PPO) from Humana: $0 a month with an in-network out-of-pocket maximum of $7,150, so at most about $6,670 in premiums and in-network costs for the year. It is offered in 6 of 6 counties.
Which Vermont Medicare Advantage plans have 4 or more stars?
4 of the 4 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 Vermont Medicare Advantage plans have a Part B giveback?
2 of the 4 plans lower your Part B premium (a "giveback"), according to their 2027 benefit filings with CMS. The largest is $40 a month, from HumanaChoice Giveback H5216-138 (PPO). A giveback plan isn't automatically cheaper: compare its worst-case year and its network.
What is the typical out-of-pocket maximum in Vermont?
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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