Zing Medicare Advantage Plans 2027: Who Qualifies & Is It Good?

Reviewed by Russell Noga, Licensed Medicare Insurance Broker (all 50 states) — Last updated October 9, 2026

Zing Medicare Advantage plans 2027 are now viewable on Medicare Plan Finder. Zing is not a household name like Humana or UnitedHealthcare. It is a young, physician-backed insurer that started selling Medicare Advantage in January 2020 and focuses on members who manage ongoing health conditions.

While many large carriers are pulling back for 2027, Zing is one of the few insurers adding counties. Below is what Zing is, who can join, where it sells plans, how its quality scores really look, and how to decide whether a Zing plan is right for you.

Yes. Zing Health is a private insurance company with a Medicare contract to sell Medicare Advantage (Part C) plans. When you join a Zing plan, Zing replaces Original Medicare as the company that pays your hospital and medical claims, and its plans typically include Part D prescription drug coverage. You keep paying your Part B premium.

What makes Zing different is who its plans are for. Zing describes itself as a Chronic Condition Special Needs Plan insurer. A C-SNP is a type of Medicare Advantage HMO limited to people with specific long-term conditions, built around care coordination for those conditions. Zing was founded with backing from Health2047, a venture fund started by the American Medical Association.

Because Zing’s plans are Chronic Condition Special Needs Plans, eligibility is narrower than a standard Medicare Advantage plan. In general you need to:

Which conditions qualify depends on the specific Zing plan, so confirm the list for the plan in your county before you apply. If you do not have a qualifying condition, a standard Medicare Advantage HMO or PPO from another carrier is the comparison to make.

Zing grows from 52 counties in 2026 to 63 for 2027, according to CMS county data reported by Becker’s. That makes it one of the faster-growing smaller insurers this year, while larger carriers such as Wellcare, Humana and Aetna pull back. Here is what the 2027 market looks like in Zing’s states:

Source: CMS 2027 Medicare Advantage landscape data as reported October 1, 2026. Zing serves select counties only; confirm by ZIP code.

This is the part to be straight about. Zing’s quality scores have been below average. Its Medicare Advantage contract H4624 earned 3.5 stars for 2025, then dropped to 2.5 stars for 2026. Zing says the drop came from the February 2024 cyberattack on Change Healthcare, which disrupted claims payments across the industry, and that it expects its 2027 ratings to better reflect quality improvements it has made.

There is also history to know. In early 2024, CMS placed enrollment and marketing sanctions on an earlier Zing drug plan contract and moved to terminate it at the end of 2024 after it was rated below 3 stars for three years in a row. Zing continues to sell under its current contract.

The honest answer: Zing can be worth a look if you have a qualifying chronic condition, your doctors are in its network, and you want a plan built around managing that condition. If quality scores are your top priority, compare it against higher-rated plans in your county. Our 2027 Medicare Advantage star ratings guide explains what the scores measure, and the best Medicare Advantage plans 2027 ranks the major carriers.

Online reviews of any health plan skew toward unhappy members, so they are a weak guide on their own. The more reliable way to review a Zing plan is to check the same measures Medicare uses:

Zing’s own stated focus is care coordination for members with chronic conditions. Ask how that works in practice, such as care team access and help with appointments, and compare it with what other plans in your county offer.

Every Zing plan must cover everything Original Medicare covers. Beyond that, benefits vary by plan and county. Depending on the plan and area, 2027 Zing plans may include:

Not all plans offer all benefits. For 2027, the maximum Part D deductible is $700 and the yearly cap on covered drug costs is $2,400, and the national average Medicare Advantage premium is $12 a month. Check the plan’s Evidence of Coverage for exact benefits and costs.