Best Medicare Advantage Plans in Eau Claire County, WI for 2027
Every general-audience Medicare Advantage plan with drug coverage sold in Eau Claire 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.
Eau Claire County plans, ranked
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Esteem Rx Gold (HMO-POS)Security Health Plan of Wisconsin, Inc. · HMO-POS33 of 72 counties · drug deductible $300Dental up to $500/yr · eyewear $250/yr · OTC items $220/yr | $125 | $5,000 | $6,500 | 4★ |
| 2 | Legacy Rx (HMO-POS)Security Health Plan of Wisconsin, Inc. · HMO-POS33 of 72 counties · drug deductible $0Preventive dental · eyewear $175/yr · OTC items $220/yr | $300 | $3,000 | $6,600 | 4★ |
| 3 | Cooperative Medicare Advantage (HMO)Group Health Cooperative of Eau Claire · HMO50 of 72 counties · drug deductible $275Dental up to $1,000/yr · eyewear $250/yr · hearing aids $500/yr · OTC items $160/yr | $0 | $6,700 | $6,700 | Not rated |
| 4 | Esteem Rx Silver (HMO-POS)Security Health Plan of Wisconsin, Inc. · HMO-POS33 of 72 counties · drug deductible $450Dental up to $500/yr · eyewear $200/yr · OTC items $200/yr | $65 | $6,500 | $7,280 | 4★ |
| 5 | Esteem Rx (HMO)Security Health Plan of Wisconsin, Inc. · HMO33 of 72 counties · drug deductible $550Preventive dental · eyewear $175/yr · OTC items $180/yr | $20 | $7,150 | $7,390 | 4★ |
| 6 | Humana Gold Choice H8145-006 (PFFS)Humana · PFFS31 of 72 counties · drug deductible $700Dental up to $3,000/yr · eyewear $100/yr | $60 | $7,800 | $8,520 | 4★ |
| 7 | HumanaChoice R5361-002 (Regional PPO)Humana · Regional PPOAll 72 counties · drug deductible $700Dental · eyewear $100/yr | $87 | $7,700 | $8,744 | 3.5★ |
| 8 | HumanaChoice H7617-007 (PPO)Humana · PPO36 of 72 counties · drug deductible $700Dental · eyewear $100/yr | $60 | $9,250 | $9,970 | 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: 16 in 2026, 13 in 2027.
- $0-premium plans: 10 in 2026, 6 in 2027.
- Median in-network out-of-pocket maximum: $6,000 in 2026, $6,600 in 2027.
- 6,130 people here were in a general-audience Advantage plan in October 2026; 1,494 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), Humana USAA Honor Giveback (PPO), Compass (HMO), Humana USAA Honor Giveback (Regional PPO).
Questions
How many Medicare Advantage plans are in Eau Claire County for 2027?
8 general-audience plans with drug coverage, 1 of them with a $0 monthly premium, compared with 16 plans and 10 $0-premium plans in 2026. Special Needs Plans aren't counted.
Which plan has the lowest worst-case cost in Eau Claire County?
Esteem Rx Gold (HMO-POS) from Security Health Plan of Wisconsin, Inc.: $125 a month with an in-network out-of-pocket maximum of $5,000, so at most about $6,500 for the year in premiums and in-network costs.
Do any Eau Claire 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 Eau Claire County plans have 4 or more stars?
6 of 8, 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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