---
title: "Medicare Advantage plans in Mecklenburg County, NC for 2027"
description: "50 Medicare Advantage plans from 9 insurers in Mecklenburg County, North Carolina for 2027: 41 with a $0 premium, out-of-pocket maximums $3,500 to $9,850. CMS data, local SHIP help and how to compare."
url: https://seniortransitionassistance.com/medicare-advantage/counties/nc/mecklenburg-county/
updated: 2026-10-16
site: Senior Transition Assistance
---

Medicare Advantage · 2027 plan year

# Medicare Advantage plans in Mecklenburg County, North Carolina for 2027

2027 plan year

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50 plans from 9 insurers, with CMS numbers for Mecklenburg County, North Carolina and free local help.

Quick answer

CMS lists 50 Medicare Advantage plans from 9 insurers that people with Medicare can join in Mecklenburg County, North Carolina for 2027. 41 have a $0 monthly premium and 38 include drug coverage. In-network out-of-pocket maximums run from $3,500 to $9,850 a year. 36 of the 50 plans with a 2027 star rating have 4 or more stars. Data last updated September 22, 2026 (CMS landscape 202609.1); star ratings October 8, 2026.

**We do not offer every plan available in your area.** Currently we represent a small number of insurance agencies and the plans they carry. Please contact Medicare.gov, 1-800-MEDICARE (TTY 1-877-486-2048), 24 hours a day / 7 days a week, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options.

We are an independent information and referral resource. We are not connected with, endorsed by, or acting on behalf of the United States government, the Centers for Medicare & Medicaid Services, or the federal Medicare program. Calling a number on this page connects you with a licensed insurance agent or a third-party marketing partner.

## 2027 plan numbers for Mecklenburg County

### Mecklenburg County at a glance

Plans open to everyone
50

With a $0 monthly premium
41

With drug coverage
38

In-network out-of-pocket maximum
$3,500 to $9,850

Insurers with plans
9

Plans rated 4+ stars
36 of 50 rated

Special needs plans (qualifying members only)
39

Plans open to everyone means Medicare Advantage and Medicare Advantage with drug coverage plans that are not special needs plans. Premium means the plan premium; your Part B premium is separate.

Mecklenburg County ranks #37 among US counties by population (Census estimate for July 1, 2025: 1,233,383 people). By number of plans offered it ranks #10 of the 100 counties in North Carolina that have plans, and #132 of the 3,040 counties in the country that have plans.

### Plans by type

| Plan type | Plans | What it generally means |
|---|---|---|
| HMO | 10 | Care usually has to come from the plan's network. |
| HMO with point-of-service (HMO-POS) | 13 | An HMO that covers some out-of-network care. |
| Private fee-for-service (PFFS) | 1 | Private fee-for-service: the plan sets what it pays providers. |
| PPO | 23 | Out-of-network care is allowed, usually at a higher cost. |
| Regional PPO | 3 | A PPO sold across a multi-county region. |

### Insurers with plans in Mecklenburg County

| Insurer | Plans in Mecklenburg County | Share of plans |
|---|---|---|
| Humana | 15 | 30% |
| UnitedHealthcare | 7 | 14% |
| Blue Cross and Blue Shield of North Carolina | 6 | 12% |
| Devoted Health | 6 | 12% |
| Aetna Medicare | 4 | 8% |
| HealthSpring | 4 | 8% |
| Wellcare | 4 | 8% |
| Alignment Health Plan | 2 | 4% |
| HealthTeam Advantage | 2 | 4% |

## How Mecklenburg County compares with the rest of North Carolina

The state column is the average of the 100 North Carolina counties that have Medicare Advantage plans in the CMS file; each county counts once, whatever its population.

| Measure | Mecklenburg County | Average North Carolina county |
|---|---|---|
| Plans open to everyone | 50 | 36 |
| Plans with a $0 premium | 82% | 77% |
| Insurers with plans | 9 | 6.3 |
| PPO and Regional PPO share of plans | 52% | 57% |
| Lowest out-of-pocket maximum | $3,500 | $3,804 |
| Highest out-of-pocket maximum | $9,850 | $9,850 |
| Rated plans with 4+ stars | 72% | 73% |
| Plans with drug coverage | 76% | 72% |

- The list includes 1 private fee-for-service (PFFS) plan.
- With 50 plans on offer, Mecklenburg County sits 39% above the average North Carolina county (36 plans).
- 9 insurers sell plans in Mecklenburg County, above the North Carolina county average of 6.3.
- 12 of the 50 plans do not include drug coverage.

## What this means in Mecklenburg County

At 50 plans from 9 insurers, Mecklenburg County sits above the North Carolina county average of 36, so expect to compare in detail rather than pick the first plan that fits. Private fee-for-service (PFFS) plans work differently from HMOs and PPOs, so read how the plan pays providers and which providers accept it. More insurers means more provider networks to check against your doctors. 82% of the plans (41 of 50) charge no monthly premium, so premium will not separate most of them. The out-of-pocket maximum, $3,500 to $9,850, shows what a bad year could cost. A $0 premium does not remove copays or coinsurance, and your Part B premium is separate.

52% of the plans are PPOs or Regional PPOs, which generally allow out-of-network care at a higher cost, so staying in network is less of a constraint than with an HMO. 36 of the 50 rated plans have 4 or more stars. CMS rates the insurer's contract, so look up the rating of the specific plan you are considering.

## How to compare plans in Mecklenburg County

- **Doctors and hospitals.** Ask each plan whether your doctors, your hospital and any specialists are in its network today. 23 of 50 plans here are HMO or HMO-POS and 26 are PPO-type, so the rules differ.
- **Prescriptions.** 38 of 50 plans include drug coverage. For each drug, check the plan's formulary, the tier it sits on and the pharmacy you would use.
- **Out-of-pocket cap.** The in-network maximum runs $3,500 to $9,850 a year depending on the plan, a gap of $6,350. The cap is what limits a hospital stay or a run of treatments.
- **Extras and cost-sharing.** Compare copays for primary care, specialists and the emergency room, and any dental, vision and hearing benefits you would use.
- **Star rating.** 36 of the 50 rated plans have 4 or more stars. Ask for the rating of the exact plan, then see how it handles the doctors and drugs above.

Plan Finder at Medicare.gov shows every plan available at your address. If your ZIP code is in Mecklenburg County, you can also [check plan counts for your ZIP code](https://seniortransitionassistance.com/medicare-advantage-zip/) on this site.

## Dates that matter for 2027 coverage

- **Open enrollment runs October 15 to December 7, 2026.** You can join, switch or drop a Medicare Advantage plan in that window.
- **Coverage changes take effect January 1, 2027.** Plans send an Annual Notice of Change in the fall listing what is different next year.

## Free local Medicare help in North Carolina

The State Health Insurance Assistance Program (SHIP) gives free, unbiased Medicare counseling. In North Carolina it is run as Seniors' Health Insurance Information Program (SHIIP).

### SHIIP in North Carolina

Program
Seniors' Health Insurance Information Program (SHIIP)

Phone
[1-855-408-1212](tel:18554081212)

Website
[ncdoi.gov/consumers/medicare-and-seniors-health-insurance-information-program-shiip](https://www.ncdoi.gov/consumers/medicare-and-seniors-health-insurance-information-program-shiip)

Program name, number and website as listed by the [SHIP National Technical Assistance Center](https://www.shiphelp.org/ships/north-carolina/), checked October 15, 2026.

You can also reach Medicare at 1-800-MEDICARE (1-800-633-4227, TTY 1-877-486-2048) or compare plans at [medicare.gov/plan-compare](https://www.medicare.gov/plan-compare/).

## Questions about Medicare Advantage in Mecklenburg County

### How many Medicare Advantage plans are in Mecklenburg County for 2027?

CMS lists 50 general Medicare Advantage plans in Mecklenburg County, North Carolina for 2027: 10 HMO, 13 HMO-POS, 1 PFFS, 23 PPO, and 3 Regional PPO. 38 of them include drug coverage. That count leaves out special needs plans (39 more, for people who qualify), cost plans and stand-alone drug plans.

### Are there $0 premium Medicare Advantage plans in Mecklenburg County?

Yes. 41 of the 50 plans (82%) have a $0 monthly plan premium. You still pay your Part B premium, and the plan may charge copays or coinsurance up to its out-of-pocket maximum.

### Which insurers offer Medicare Advantage plans in Mecklenburg County?

9 insurers offer plans in Mecklenburg County, North Carolina. The five with the most plans are Humana (15), UnitedHealthcare (7), Blue Cross and Blue Shield of North Carolina (6), Devoted Health (6), Aetna Medicare (4).

### What is the most I could pay out of pocket in Mecklenburg County?

In-network out-of-pocket maximums for the 50 plans run from $3,500 to $9,850 a year, depending on the plan. The maximum covers covered services in the plan's network; it does not include the plan's monthly premium.

### How many Medicare Advantage plans in Mecklenburg County have 4 or more stars?

36 of the 50 plans with a 2027 star rating are rated 4 stars or higher. No plans are not yet rated or have too little data, and star ratings are given to the insurer's contract.

## Sources and what is counted

Source: [CMS Medicare Advantage and Part D Landscape source file, contract year 2027, release 202609.1](https://www.cms.gov/files/zip/cy2027-landscape-202609-1.zip) (file cy2027-landscape-202609-1.zip, CY2027_Landscape_202609.csv), data last updated September 22, 2026; [CMS 2027 Part C and D Star Ratings data tables](https://www.cms.gov/files/zip/2027-star-ratings-data-tables-oct-8-2026.zip) (Summary Ratings table), October 8, 2026; [U.S. Census Bureau Vintage 2025 county population estimates](https://www2.census.gov/programs-surveys/popest/datasets/2020-2025/counties/totals/co-est2025-alldata.csv) (July 1, 2025). Plans counted by Senior Transition Assistance.

A plan is one CMS contract and plan ID offered in Mecklenburg County. Counts cover Medicare Advantage and Medicare Advantage with drug coverage plans that are open to everyone. Special needs plans, cost plans, employer-only plans and stand-alone Part D plans are not in the counts above. The $0-premium count uses the combined plan premium (Part C plus Part D) when the plan has drug coverage. Star ratings are CMS overall ratings for plans with drug coverage and Part C summary ratings for plans without. Out-of-pocket maximums are the in-network amounts CMS lists.

Figures are for plan year 2027 and come from CMS files dated as shown; the CMS landscape can change before January 1. Confirm any plan's details on Medicare.gov or with the plan.

## Keep reading

- [Medicare Advantage plans in 40 large US counties](https://seniortransitionassistance.com/medicare-advantage/counties/)
- [Medicare open enrollment dates and changes](https://seniortransitionassistance.com/medicare-advantage/open-enrollment/)
- [Medicare Advantage vs. Original Medicare](https://seniortransitionassistance.com/medicare-advantage/vs-original-medicare/)
- [Medicare Advantage guide](https://seniortransitionassistance.com/medicare-advantage/)
- [Plans in Wake County, NC](https://seniortransitionassistance.com/medicare-advantage/counties/nc/wake-county/)

Other North Carolina counties with a page: [Wake County](https://seniortransitionassistance.com/medicare-advantage/counties/nc/wake-county/).

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