Best Medicare Advantage Plans in La Crosse County, WI for 2027
Every general-audience Medicare Advantage plan with drug coverage sold in La Crosse 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.
La Crosse County plans, ranked
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO17 of 72 counties · drug deductible $700Preventive dental · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $5,900 | $5,900 | 4★ |
| 2 | Aetna Medicare Enhanced (PPO)Aetna Medicare · PPO17 of 72 counties · drug deductible $700Dental up to $1,000/yr · eyewear $175/yr · hearing aids $750/yr per ear | $37 | $5,500 | $5,944 | 4★ |
| 3 | Gundersen Quartz Med Advantage Value D (w/Rx) (HMO)Quartz Medicare Advantage (HMO) · HMO5 of 72 counties · drug deductible $225Dental up to $375/yr · eyewear $175/yr · hearing aids $625/yr | $97 | $4,900 | $6,064 | 4★ |
| 4 | Gundersen Quartz Med Advantage Core D (w/Rx) (HMO)Quartz Medicare Advantage (HMO) · HMO5 of 72 counties · drug deductible $270Dental up to $350/yr · eyewear $100/yr · hearing aids $500/yr | $42 | $5,900 | $6,404 | 4★ |
| 5 | Gundersen Quartz Med Advantage Elite D (w/Rx) (HMO)Quartz Medicare Advantage (HMO) · HMO5 of 72 counties · drug deductible $200Dental up to $550/yr · eyewear $250/yr · hearing aids $750/yr | $202 | $4,000 | $6,424 | 4★ |
| 6 | 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 |
| 7 | Gundersen Quartz Med Advantage Basic D (w/Rx) (HMO)Quartz Medicare Advantage (HMO) · HMO5 of 72 counties · drug deductible $270Preventive dental | $0 | $7,150 | $7,150 | 4★ |
| 8 | HumanaChoice R5361-002 (Regional PPO)Humana · Regional PPOAll 72 counties · drug deductible $700Dental · eyewear $100/yr | $87 | $7,700 | $8,744 | 3.5★ |
| 9 | 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: 23 in 2026, 16 in 2027.
- $0-premium plans: 13 in 2026, 9 in 2027.
- Median in-network out-of-pocket maximum: $5,550 in 2026, $5,900 in 2027.
- 11,340 people here were in a general-audience Advantage plan in October 2026; 1,547 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), Aetna Medicare Eagle (PPO), Gundersen Quartz Med Advantage Value (HMO), Gundersen Quartz Med Advantage Elite (HMO), Humana USAA Honor Giveback (Regional PPO).
Questions
How many Medicare Advantage plans are in La Crosse County for 2027?
9 general-audience plans with drug coverage, 3 of them with a $0 monthly premium, compared with 23 plans and 13 $0-premium plans in 2026. Special Needs Plans aren't counted.
Which plan has the lowest worst-case cost in La Crosse County?
Aetna Medicare Signature (PPO) from Aetna Medicare: $0 a month with an in-network out-of-pocket maximum of $5,900, so at most about $5,900 for the year in premiums and in-network costs.
Do any La Crosse 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 La Crosse County plans have 4 or more stars?
7 of 9, 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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