Medicare Advantage Plans in Alabama 2027: More Plans, Lower Premiums and Who Sells Them

Reviewed by Russell Noga, Licensed Medicare Insurance Broker (all 50 states) — Last updated October 21, 2026

Alabama is one of the few states gaining Medicare Advantage plans for 2027. CMS counts 113 plans, up from 98 in 2026, and projects the average premium will fall to $7.76 a month from $11.25.

For 2027, CMS’s plan data lists 111 individual Medicare Advantage plans from 8 companies across all 67 Alabama counties. Annual Enrollment runs October 15 to December 7, 2026, for coverage that starts January 1, 2027.

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

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

Mobile County has the most choices, with 77 plans, followed by Jefferson, Walker and Shelby. Tuscaloosa County has the fewest, with 30. Learn how the plan types differ in our guide to Medicare Advantage plans for 2027.

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

Alabama has 100% access to $0 premium plans for 2027, according to CMS. Part D out-of-pocket drug costs are capped at $2,400 in 2027.

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

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

VIVA Medicare, Blue Cross and Blue Shield of Alabama and Simpra Advantage are Alabama-based plans. Read more in our guides to Devoted Medicare Advantage plans, Humana Medicare Advantage plans, HealthSpring Medicare Advantage plans and UnitedHealthcare Medicare Advantage plans.

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

Learn more in our guide to Medicare Advantage PPO plans.

Alabama has 48 special needs plans for 2027, built for people who qualify through Medicaid, a chronic condition or nursing home care:

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

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

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