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Medicare Advantage Plans in North Carolina 2027: Carriers, Counties and Plan Types

Reviewed by Russell Noga, Licensed Medicare Insurance Broker (all 50 states) — Last updated October 19, 2026

North Carolina has one of the most competitive Medicare Advantage markets in the Southeast. Devoted Health sells the most plans in the state, UnitedHealthcare and Blue Cross and Blue Shield of North Carolina cover all 100 counties, and local plans like HealthTeam Advantage and Troy Medicare compete in the Piedmont.

For 2027, CMS’s plan data lists 176 individual Medicare Advantage plans from 16 companies across all 100 North Carolina counties. Annual Enrollment runs October 15 to December 7, 2026, for coverage that starts January 1, 2027.

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Compare 2027 Medicare Advantage Plans in North Carolina

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Medicare Advantage plans in North Carolina 2027 overview: 176 plans from 16 companies, all 100 counties, 53 PPO plans, 94 plans in Guilford and Forsyth counties

North Carolina Medicare Advantage at a Glance for 2027

Here is how North Carolina’s 2027 individual Medicare Advantage plans break down by plan type:

Plan Type 2027 Plans in North Carolina What It Means
HMO 76 You generally use the plan’s network and a primary care doctor
PPO 53 You can see out-of-network providers, usually at a higher cost
HMO-POS 46 HMO network with some out-of-network coverage
PFFS 1 Humana Gold Choice private fee-for-service plan
Special needs plans (included above) 59 28 dual plans, 21 chronic condition plans and 10 institutional plans

Source: CMS 2027 Plan Benefit Package and plan service area data, individual (non-employer) Medicare Advantage plans.

Guilford and Forsyth counties have the most choices, with 94 plans each, followed by Davidson County with 93. The coast has far fewer: Carteret County has 17 plans, Onslow 18 and Craven 19. Learn how the plan types differ in our guide to Medicare Advantage plans for 2027.

What Stands Out in North Carolina for 2027

CMS’s 2027 plan data shows a few things North Carolina shoppers should know:

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Devoted Health leads the state. Devoted sells 37 plans in 52 counties, including 19 giveback plans and 10 chronic condition plans.

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Alignment Health expands into Charlotte. Alignment sells 8 plans in 20 counties for 2027, including Mecklenburg, Wake, Guilford, Forsyth and Buncombe.

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Blue Cross NC covers every county. Blue Cross and Blue Shield of North Carolina sells 14 Blue Medicare plans statewide, including Blue Medicare Freedom+ (PPO).

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Local Piedmont plans. HealthTeam Advantage sells 5 plans in 33 counties, and Troy Medicare sells 2 plans in 35 counties.

Nationally, the average Medicare Advantage premium falls to $12.00 for 2027, and Part D out-of-pocket drug costs are capped at $2,400. Current members should read their Annual Notice of Change for changes to copays, drug coverage and networks.

Compare 2027 Medicare Advantage Plans in North Carolina

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North Carolina Medicare Advantage carriers 2027 by plan count: Devoted Health 37, UnitedHealthcare 29, Humana 28, Aetna 21, Blue Cross NC 14, HealthSpring 13, Alignment Health 8, Wellcare 7

North Carolina Medicare Advantage Carriers for 2027

These are the largest companies selling individual Medicare Advantage plans in North Carolina for 2027:

Carrier 2027 Plans Counties Plan Names to Know
Devoted Health 37 52 Core, Giveback and Giveback Extras plans, C-SNP plans
UnitedHealthcare 29 100 HMO, PPO and Patriot plans, plus dual and chronic plans
Humana 28 97 Gold Plus HMOs, HumanaChoice and Giveback PPOs, Gold Choice (PFFS)
Aetna Medicare 21 96 Signature, Elite and Chronic Care plans
Blue Cross and Blue Shield of North Carolina 14 100 Blue Medicare Essential, Enhanced and Freedom+, Healthy Blue + Medicare
HealthSpring 13 24 Preferred, True Choice (PPO), Courage and TotalCare plans
Alignment Health Plan 8 20 Platinum, Smart, AVA (PPO) and Heart & Diabetes plans
Wellcare 7 74 PPO and dual plans
HealthTeam Advantage 5 33 Plan I and II, Eagle and Vitality (PPO), Thrive (HMO)
Troy Medicare 2 35 Troy Medicare (HMO) and a dual plan

Source: CMS 2027 Plan Benefit Package and plan service area data, individual (non-employer) plans. Plan counts include special needs plans. Six smaller companies, mostly nursing home plans, are not shown.

Read more in our guides to Devoted Medicare Advantage plans, Alignment Health Plan, Blue Cross Medicare Advantage plans and Humana Medicare Advantage plans.

Dual and Special Needs Plans in North Carolina

North Carolina has 59 special needs plans for 2027. They are built for people who qualify through Medicaid, a chronic condition or nursing home care:

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Dual plans (D-SNPs) for people with Medicare and NC Medicaid come from UnitedHealthcare, Humana, Wellcare, Devoted Health, Aetna, HealthSpring, Blue Cross NC and others.

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Chronic condition plans (C-SNPs) come from Devoted Health, Aetna, UnitedHealthcare, Alignment Health, Humana, HealthSpring and Liberty.

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Institutional plans (I-SNPs) for nursing home residents come from Provider Partners, NHC Advantage, PruittHealth Premier, Liberty, Longevity and UnitedHealthcare.

Learn more in our guide to Medicare Advantage special needs plans.

What North Carolina Medicare Advantage Plans May Include

Benefits depend on the plan and county, but North Carolina Medicare Advantage plans may include:

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PPO plans from Humana, UnitedHealthcare, Aetna, Devoted Health, Wellcare, HealthTeam Advantage, Blue Cross NC, HealthSpring and Alignment.

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Part B giveback plans from Devoted Health, Humana, UnitedHealthcare, Wellcare and Aetna in parts of the state.

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Prescription drug coverage, with Part D out-of-pocket costs capped at $2,400 in 2027.

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Dental, vision and hearing benefits, depending on the plan.

Not all plans offer all benefits. Check each plan’s 2027 Summary of Benefits for exact premiums, copays and out-of-pocket limits.

Before You Enroll: North Carolina 2027 Checklist

1

Confirm your county. Choices range from 17 plans in Carteret County to 94 in Guilford and Forsyth.

2

Check your doctors and hospitals. Networks differ a lot between carriers, even for PPOs.

3

Run your prescriptions. Drug costs vary widely between plans, even with the $2,400 cap.

4

Check your Medicaid status. If you have both Medicare and NC Medicaid, look at dual plans first.

5

Read your Annual Notice of Change. It lists every change to your current plan for 2027.

6

Mark the dates. Medicare Open Enrollment 2027 runs October 15 to December 7, 2026.

Find 2027 Medicare Advantage Plans in Your North Carolina County

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Medicare Advantage Plans in North Carolina 2027 — Frequently Asked Questions

➤ How many Medicare Advantage plans are in North Carolina for 2027?

CMS’s 2027 plan data lists 176 individual Medicare Advantage plans in North Carolina from 16 companies, including special needs plans. The number available to you depends on your county.

➤ Which companies sell Medicare Advantage plans in North Carolina?

Devoted Health, UnitedHealthcare, Humana, Aetna, Blue Cross and Blue Shield of North Carolina, HealthSpring, Alignment Health Plan, Wellcare, HealthTeam Advantage and Troy Medicare are the largest, plus several nursing home and dual plan companies.

➤ What is the best Medicare Advantage plan in North Carolina?

It depends on your county, doctors and prescriptions. Start with the plans your doctors accept, then compare premiums, drug costs and out-of-pocket limits by ZIP code.

➤ Does Blue Cross NC offer Medicare Advantage plans for 2027?

Yes. Blue Cross and Blue Shield of North Carolina sells 14 Blue Medicare plans in all 100 counties for 2027, including Blue Medicare Essential, Enhanced and Freedom+ (PPO) and the Healthy Blue + Medicare dual plan.

➤ Is Alignment Health in North Carolina?

Yes. Alignment Health Plan sells 8 plans in 20 North Carolina counties for 2027, including Mecklenburg, Wake, Guilford, Forsyth and Buncombe.

➤ Are there Medicare Advantage PPO plans in North Carolina?

Yes. North Carolina has 53 PPO plans for 2027 from Humana, UnitedHealthcare, Aetna, Devoted Health, Wellcare, HealthTeam Advantage, Blue Cross NC, HealthSpring and Alignment.

➤ Where can I get free Medicare help in North Carolina?

North Carolina’s SHIIP program offers free, unbiased Medicare counseling. You can also compare plans by ZIP code with a licensed agent.

➤ When can I enroll in a Medicare Advantage plan in North Carolina for 2027?

Annual Enrollment runs October 15 to December 7, 2026, with coverage starting January 1, 2027. If you’re already in a Medicare Advantage plan, you can also make one change from January 1 to March 31, 2027.

New to Medicare?

If you are new to Medicare, then you can enroll in a 2027 Medicare Advantage plan up to three months prior to your Medicare Part B effective date.

Call one of our licensed insurance agents to see what the best time frame is for you to enroll, based on your current situation. You can contact them at 1-855-409-6195 (TTY 711), Mon–Fri 8am–9pm EST.

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