Devoted Health Medicare Advantage Plans 2027

Reviewed by Russell Noga, Licensed Medicare Insurance Broker (all 50 states) — Last updated August 16, 2026

Devoted Health is the carrier most Medicare shoppers have never heard of and the one with some of the strongest quality scores in the market. It served over 466,000 members as of January 2026 — a 121% jump year over year — across 29 states, nine of which it entered for the first time that year.

That combination, high ratings plus explosive expansion, creates a specific situation you need to understand before enrolling in a Devoted Medicare Advantage plan for 2027: the quality of what you get depends heavily on whether your county sits in an established Devoted market or a brand-new one.

Dental is one of the benefits people weigh most heavily when comparing Devoted against the national carriers. If that is your priority, our guide to Medicare Advantage plans with dental coverage explains what preventive and comprehensive actually cover and what to check before you enroll.

For the full carrier comparison, see 2027 Medicare Advantage costs and benefits by carrier. Or compare 2027 plans in your area by ZIP code.

Devoted earned three 5-star contracts for 2026 — a rare achievement, since only eighteen contracts industry-wide reached 5 stars that year. Two more contracts scored 4.5, and five scored 4.0.

But the distribution has a long tail: eleven contracts landed at 3.5 stars and one at 3.0. That spread is what rapid geographic expansion looks like, because new markets don’t have the operating history that drives high ratings.

HMO plans. Care coordinated through a primary care physician with in-network providers required except emergencies. Typically Devoted’s lowest-cost structure and where most of its membership sits.

PPO plans. Out-of-network care permitted at higher cost, no referrals required for specialists. Fewer counties than the HMO lineup.

Special Needs Plans. Devoted offers both Chronic Condition SNPs and Dual-Eligible SNPs. If you qualify for either, these typically deliver deeper targeted benefits than a general plan.

➤  What states does Devoted Health offer Medicare Advantage plans in?

Devoted Health operated Medicare Advantage plans across 29 states as of 2026, having added nine new states that year. It’s a regional carrier rather than a national one, so the first thing to confirm is whether Devoted offers plans in your specific county — availability varies within states, not just between them, and 2027 service areas publish October 15, 2026.

➤  What are Devoted Health’s Medicare Advantage star ratings?

For 2026, Devoted Health had three contracts rated 5 stars, two at 4.5 stars, five at 4 stars, eleven at 3.5 stars and one at 3 stars. Its enrollment-weighted average was 4.22, above the 4.02 industry average. Because ratings are assigned per contract rather than per carrier, a Devoted plan in one market can be 5 stars while another is 3.5 — check the contract number of the specific plan offered where you live.

➤  Does Devoted Health offer $0 premium Medicare Advantage plans for 2027?

Roughly 57% of Devoted’s plans carried a $0 monthly premium, and plans that do charge a premium averaged about $24 per month. You’ll still pay your Medicare Part B premium regardless. A $0 premium doesn’t mean low total cost — Devoted’s average out-of-pocket maximum runs about $7,041, so compare that number alongside the premium.

➤  Is Devoted Health a good Medicare Advantage carrier?

Devoted scores above the industry average on CMS quality ratings and holds three 5-star contracts, which is genuinely strong. The counterweights are a higher-than-average out-of-pocket maximum around $7,041 and complaint rates that have run roughly double the industry average on rated plans. Whether it’s a good fit depends heavily on which contract serves your county and whether your doctors participate.

➤  How big is Devoted Health compared to other carriers?

Devoted served over 466,000 members as of January 2026, up 121% year over year. For scale, UnitedHealthcare covered roughly 26% of the entire Medicare Advantage market and Humana about 20%. Devoted is a regional carrier growing quickly rather than a national one, which is why availability and local network depth matter more with Devoted than with the large carriers.

➤  What plan types does Devoted Health offer?

Devoted offers HMO plans, PPO plans, and Special Needs Plans including both Chronic Condition SNPs and Dual-Eligible SNPs. HMO plans require in-network providers and usually referrals, with lower typical costs. PPO plans allow out-of-network care at higher cost without referrals but are offered in fewer counties. Availability of each type depends on where you live.

➤  What is the Medicare Part D out-of-pocket cap for 2027?

The 2027 annual out-of-pocket cap for prescription drugs is $2,400, up from $2,100 in 2026, and the standard Part D deductible is $700, up from $615. These federal parameters apply to every Medicare Advantage plan with drug coverage, including Devoted’s. Once you reach the cap you pay nothing more for covered formulary drugs that calendar year.

➤  Can I keep my doctor with a Devoted Medicare Advantage plan?

Only if that doctor participates in the specific Devoted plan’s network. Because Devoted builds networks market by market and entered nine new states for 2026, network depth varies more than it would with a national carrier. Confirm each doctor and your preferred hospital against the exact plan for 2027, and ask how long Devoted has operated in your county.

➤  Does Devoted Health have any 5-star Medicare Advantage plans?

Yes — Devoted had three contracts rated 5 stars for 2026, out of only eighteen 5-star contracts industry-wide. If a Devoted 5-star plan is offered in your county, it carries an enrollment advantage: the 5-Star Special Enrollment Period lets you switch into it once per year between December 8 and November 30, outside the standard enrollment windows.

➤  What is the out-of-pocket maximum on a Devoted plan?

Devoted’s Medicare Advantage plans have averaged about $7,041 for the annual in-network medical out-of-pocket maximum, higher than many competing carriers. Every Medicare Advantage plan caps this spending, which is a structural advantage over Original Medicare, but the amount varies substantially. It’s separate from the $2,400 prescription drug cap, so budget for both.

➤  When can I enroll in a Devoted 2027 Medicare Advantage plan?

The Annual Enrollment Period runs October 15 through December 7, 2026, for coverage effective January 1, 2027. If you’re already enrolled in a Medicare Advantage plan, the Medicare Advantage Open Enrollment Period from January 1 to March 31, 2027 allows one additional switch. If Devoted offers a 5-star contract in your area, you may also use the 5-Star Special Enrollment Period.