Best Medicare Advantage Plans in Cowlitz County, WA for 2027
Every general-audience Medicare Advantage plan with drug coverage sold in Cowlitz 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.
Cowlitz County plans, ranked
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Humana Gold Plus H5619-061 (HMO)Humana · HMO31 of 39 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr | $86 | $4,200 | $5,232 | 4★ |
| 2 | Kaiser Permanente Senior Advantage Enhanced (HMO-POS)Kaiser Permanente · HMO-POS3 of 39 counties · drug deductible $0eyewear $75/yr · hearing aids $167/yr per ear | $134 | $4,000 | $5,608 | 4.5★ |
| 3 | Kaiser Permanente Senior Advantage Standard (HMO-POS)Kaiser Permanente · HMO-POS3 of 39 counties · drug deductible $0eyewear $50/yr | $49 | $5,250 | $5,838 | 4.5★ |
| 4 | Humana Gold Plus H5619-174 (HMO)Humana · HMO2 of 39 counties · drug deductible $300Dental up to $2,000/yr · eyewear $250/yr | $0 | $5,900 | $5,900 | 4★ |
| 5 | Humana Gold Plus H1036-322 (HMO)Humana · HMO2 of 39 counties · drug deductible $300Dental up to $3,500/yr · eyewear $250/yr | $0 | $5,990 | $5,990 | 4.5★ |
| 6 | Humana Value Choice (PPO)Humana · PPO8 of 39 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr | $0 | $6,050 | $6,050 | 4★ |
| 7 | Humana Total Complete (HMO)Humana · HMO15 of 39 counties · drug deductible $400Dental up to $1,500/yr · eyewear $100/yr | $0 | $6,310 | $6,310 | 4★ |
| 8 | Kaiser Permanente Senior Advantage Value (HMO-POS)Kaiser Permanente · HMO-POS3 of 39 counties · drug deductible $0 | $0 | $6,750 | $6,750 | 4.5★ |
| 9 | AARP Medicare Advantage from UHC WA-6 (HMO-POS)UnitedHealthcare · HMO-POS9 of 39 counties · drug deductible $685Dental · eyewear $100/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 10 | AARP Medicare Advantage from UHC WA-18 (PPO)UnitedHealthcare · PPO21 of 39 counties · drug deductible $685Preventive dental · eyewear $125/yr · hearing aids $700/yr | $10 | $7,150 | $7,270 | 4.5★ |
| 11 | AARP Medicare Advantage from UHC WA-0005 (HMO-POS)UnitedHealthcare · HMO-POS13 of 39 counties · drug deductible $685Preventive dental · eyewear $125/yr · hearing aids $1,000/yr | $55 | $6,700 | $7,360 | 3.5★ |
| 12 | DEVOTED CHOICE 001 WA (PPO)Devoted Health · PPO8 of 39 counties · drug deductible $461Dental up to $2,000/yr · eyewear $400/yr · OTC items $300/yr | $0 | $7,500 | $7,500 | Not rated |
| 13 | AARP Medicare Advantage from UHC WA-14 (HMO-POS)UnitedHealthcare · HMO-POS9 of 39 counties · drug deductible $685Dental up to $2,000/yr · eyewear $125/yr · hearing aids $1,000/yr | $35 | $7,150 | $7,570 | 3.5★ |
| 14 | DEVOTED CHOICE GIVEBACK 002 WA (PPO)Devoted Health · PPO8 of 39 counties · drug deductible $461Part B giveback $143/mo · Dental up to $250/yr · eyewear $200/yr | $0−$143 Part B giveback | $9,850 | $8,134 | Not rated |
| 15 | HumanaChoice H5216-048 (PPO)Humana · PPO33 of 39 counties · drug deductible $700Dental · eyewear $100/yr | $97 | $7,000 | $8,164 | 4★ |
| 16 | HumanaChoice H7617-016 (PPO)Humana · PPO36 of 39 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr | $110 | $7,000 | $8,320 | 4.5★ |
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: 32 in 2026, 21 in 2027.
- $0-premium plans: 21 in 2026, 13 in 2027.
- Median in-network out-of-pocket maximum: $6,625 in 2026, $7,000 in 2027.
- 14,295 people here were in a general-audience Advantage plan in October 2026; 2,327 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: Humana USAA Honor Giveback (PPO), AARP Medicare Advantage Patriot No RX WA-MA3 (PPO), AARP Medicare Advantage Patriot No Rx WA-MA02 (HMO-POS), Humana USAA Honor Giveback (PPO), Humana USAA Honor Giveback (PPO).
Questions
How many Medicare Advantage plans are in Cowlitz County for 2027?
16 general-audience plans with drug coverage, 8 of them with a $0 monthly premium, compared with 32 plans and 21 $0-premium plans in 2026. Special Needs Plans aren't counted.
Which plan has the lowest worst-case cost in Cowlitz County?
Humana Gold Plus H5619-061 (HMO) from Humana: $86 a month with an in-network out-of-pocket maximum of $4,200, so at most about $5,232 for the year in premiums and in-network costs.
Do any Cowlitz County plans have a Part B giveback?
1 do. The largest is $143 a month off your Part B premium, from DEVOTED CHOICE GIVEBACK 002 WA (PPO).
How many Cowlitz County plans have 4 or more stars?
11 of 16, 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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