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Medicare Advantage Plans in West Virginia 2027: Carriers, Peak Advantage and PPO Options

Reviewed by Russell Noga, Licensed Medicare Insurance Broker (all 50 states) — Last updated October 26, 2026

West Virginia has Medicare Advantage choices in every county for 2027, and the biggest local story is Peak Advantage, the plan started by WVU Medicine and Marshall Health, which now reaches 54 of the state’s 55 counties.

For 2027, CMS’s plan data lists 68 individual Medicare Advantage plans from 9 companies across all 55 West Virginia counties. Annual Enrollment runs October 15 to December 7, 2026, for coverage that starts January 1, 2027.

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Medicare Advantage plans in West Virginia 2027 overview: ma plans in west virginia 68 (individual plans from 9 companies), ppo plans 43 (more than any other plan type), counties covered 55 of 55 (every West Virginia county), giveback plans 6 (may lower your Part B premium)

West Virginia Medicare Advantage Plans by the Numbers for 2027

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

Plan Type 2027 Plans in West Virginia What It Means
PPO 43 You can see out-of-network providers, usually at a higher cost
HMO 15 You generally use the plan’s network and a primary care doctor
HMO-POS 9 HMO network with some out-of-network coverage
PFFS 1 Private fee-for-service plans that work with any Medicare provider who accepts the plan’s terms
Special needs plans (included above) 19 15 dual plans, 1 chronic condition plan and 3 institutional plans
Part B giveback plans (included above) 6 Plans from Humana and Aetna that may lower your Part B premium

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

Cabell County has the most choices, with 55 plans, followed by Kanawha, Mingo and Putnam. Mineral County has the fewest, with 28. Learn how the plan types differ in our guide to Medicare Advantage plans for 2027.

West Virginia Medicare Advantage Changes for 2027

These are the biggest changes for West Virginia Medicare Advantage shoppers this year:

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Peak Advantage keeps growing. Peak Health’s Medicare Advantage plans, launched by WVU Medicine and Marshall Health, cover 54 of West Virginia’s 55 counties in CMS’s 2027 data.

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A new local option. Communicare Advantage appears in CMS’s 2027 plan data for West Virginia.

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PPOs lead the market. 43 of the state’s 68 individual plans for 2027 are PPOs, from Humana, Highmark, Aetna, UnitedHealthcare, Peak Health and The Health Plan.

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Statewide coverage. Every West Virginia county has Medicare Advantage plans for 2027, from 28 plans in Mineral County to 55 in Cabell and Kanawha.

Nationally, CMS projects the average Medicare Advantage premium will fall to $12.00 a month for 2027, from $14.37 in 2026. Part D out-of-pocket drug costs are capped at $2,400 in 2027.

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West Virginia Medicare Advantage carriers 2027 by plan count: Humana 16, Aetna Medicare 14, UnitedHealthcare 11, Highmark Blue Cross Blue Shield 10, Peak Health 7, The Health Plan 5, Wellpoint 3, Communicare Advantage 1, West Virginia Senior Advantage 1

Who Sells Medicare Advantage in West Virginia for 2027

These are the companies selling individual Medicare Advantage plans in West Virginia for 2027:

Carrier 2027 Plans Counties Plan Names to Know
Humana 16 55 HumanaChoice, Humana USAA Honor Giveback, Humana Gold Plus SNP-DE
Aetna Medicare 14 55 Aetna Medicare Advantra Enhanced Classic, Aetna Medicare Advantra Classic Giveback, Aetna Medicare Advantra Signature Classic
UnitedHealthcare 11 55 UHC Medicare Advantage, UHC Dual Complete, UHC Medicare Advantage Patriot No Rx
Highmark Blue Cross Blue Shield 10 55 Complete Blue PPO Distinct, Complete Blue PPO Signature, Freedom Blue PPO Standard
Peak Health 7 54 Peak Advantage Vista, Peak Advantage Summit, PeakPlus Rise
The Health Plan 5 55 The Health Plan SecureCare SNP, The Health Plan SecureCare – Option II, The Health Plan SecureCare Integrity Plan
Wellpoint 3 43 Wellpoint Full Dual Advantage, Wellpoint Dual Advantage, Wellpoint Medicare Advantage
Communicare Advantage 1 55 CommuniCare Advantage ISNP
West Virginia Senior Advantage 1 55 WV Senior Advantage

Source: CMS 2027 Plan Benefit Package and plan service area data, individual (non-employer) plans. Plan counts include special needs plans.

Peak Health, The Health Plan, Communicare Advantage and West Virginia Senior Advantage are West Virginia-based plans. Read more in our guides to Humana Medicare Advantage plans, Aetna Medicare Advantage plans, UnitedHealthcare Medicare Advantage plans and Highmark Medicare Advantage plans.

Flexible PPO Plans and Giveback Plans in West Virginia

If you want flexibility to see doctors outside a network, West Virginia has these options for 2027:

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43 PPO plans from Humana, Highmark BCBS, Aetna, UnitedHealthcare, Peak Health and The Health Plan.

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6 Part B giveback plans that may lower your Part B premium, from Humana and Aetna.

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1 private fee-for-service (PFFS) plan, which can work in rural areas with few network plans.

Learn more in our guide to Medicare Advantage PPO plans.

Medicare Advantage for Dual-Eligible and Chronic-Condition Members in West Virginia

West Virginia has 19 special needs plans for 2027, 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 West Virginia Medicaid come from Humana, Aetna, UnitedHealthcare, Wellpoint, The Health Plan, Highmark BCBS and Peak Health.

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Chronic condition plans (C-SNPs) come from UnitedHealthcare.

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Institutional plans (I-SNPs) for nursing home residents come from Communicare Advantage, Humana and West Virginia Senior Advantage.

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

Benefits West Virginia Medicare Advantage Plans Can Offer

Benefits depend on the plan and county, but West Virginia Medicare Advantage plans may include:

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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 in many plans.

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Part B premium reductions in giveback plans, where offered.

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Fitness and over-the-counter allowances in some plans.

Not all plans offer all benefits, so check each plan’s 2027 Summary of Benefits before you enroll.

Picking the Right West Virginia Medicare Advantage Plan for 2027

1

Check your doctors and hospitals in each plan’s network, including WVU Medicine, Vandalia Health (CAMC and Mon Health) and Marshall Health Network.

2

Run your prescriptions through each plan’s 2027 drug list.

3

Compare out-of-pocket maximums and hospital copays, not just premiums.

4

Check the star rating. See the 2027 Medicare Advantage star ratings.

5

Enroll on time. Medicare Open Enrollment 2027 runs October 15 to December 7, 2026.

Compare 2027 Medicare Advantage Plans in West Virginia

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Medicare Advantage Plans in West Virginia — Frequently Asked Questions

➤ How many 2027 Medicare Advantage plans can West Virginia residents choose from?

CMS’s 2027 plan data lists 68 individual Medicare Advantage plans from 9 companies in West Virginia, including 19 special needs plans. Plans are available across all 55 West Virginia counties.

➤ How many Medicare Advantage plans can you choose from in Cabell County, West Virginia?

Cabell County has 55 individual plans for 2027, tied for the most in West Virginia. The median West Virginia county has 43, and Mineral County has the fewest, with 28.

➤ What is Peak Advantage?

Peak Advantage is the Medicare Advantage plan from Peak Health, launched by WVU Medicine and Marshall Health. It offers PPO plans, including a dual plan, and covers 54 West Virginia counties in CMS’s 2027 data.

➤ Does Communicare Advantage offer nursing home (I-SNP) plans in West Virginia?

Yes. Communicare Advantage, Humana and West Virginia Senior Advantage offer 3 institutional special needs plans in West Virginia for 2027, for people who live in a nursing home or need that level of care.

➤ How many Medicare Advantage plans does Peak Health offer in West Virginia for 2027?

Peak Health offers 7 individual Medicare Advantage plans in West Virginia for 2027, sold in 54 of 55 counties. Source: our analysis of the CMS 2027 plan files.

➤ How many Medicare Advantage plans does The Health Plan offer in West Virginia for 2027?

The Health Plan offers 5 individual Medicare Advantage plans in West Virginia for 2027, sold in 55 of 55 counties. Source: our analysis of the CMS 2027 plan files.

➤ How many Medicare Advantage plans are available in Mineral County, West Virginia?

Mineral County has 28 individual plans for 2027, among the fewest in West Virginia, along with Barbour County (33) and Morgan County (32).

➤ How many Medicare Advantage plans are offered in Kanawha County, West Virginia?

Kanawha County has 55 individual Medicare Advantage plans for 2027, one of the highest counts in West Virginia. The median West Virginia county has 43.

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 1-855-454-9051 (TTY 711), Mon–Fri 8am–9pm EST.

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