Medicare Advantage in Idaho: what changes for 2027
Every fall, plans change. Here is how Idaho’s Medicare Advantage plans for 2027 compare with 2026, from Medicare’s own plan files. Check your own plan’s Annual Notice of Change too.
- Plans available in 2027
- 43
- ▼ 3 fewer than 2026 (46)
- $0 monthly premium
- 28%
- of plans, vs 40% in 2026
- Insurance companies
- 7
- 1 new · 1 leaving
What this means for you
- 13 plans offered in 2026 are not offered again in Idaho for 2027. If yours is one of them, your plan must send you a letter before Open Enrollment. Some members are moved into another plan from the same company; the letter says what happens to you, and you can choose a different plan during Open Enrollment.
- 10 plans are new in Idaho for 2027. Some may be existing plans offered under a new plan number.
- 1 county has 3 or fewer plans in 2027: Lemhi (3). With fewer choices, check that your doctors are in the plan's network before you enroll.
- The highest in-network out-of-pocket limit rose to $9,850 (from $9,250 in 2026). Compare the yearly limit, not just the monthly premium.
- Trinity Health Corporation does not offer Medicare Advantage plans in Idaho for 2027. If your plan is from one of them, watch for its letter and choose new coverage during Open Enrollment.
- 2027 drug costs, stars and pharmacy networks are not published yet. If you take medicines, check your costs again when CMS publishes them. We never fill gaps with 2026 numbers.
Insurance companies
New for 2027
- St. Luke's Health System, Inc. (3 plans)
Leaving after 2026
- Trinity Health Corporation (4 plans in 2026)
Staying (A–Z)
- Gemstone Holdings, Inc. (11)
- Humana Inc. (10)
- Mitchell Family Office (1)
- Molina Healthcare, Inc. (1)
- PacificSource (2)
- UnitedHealth Group, Inc. (15)
Listed A–Z with 2027 plan counts by parent company. Not a ranking.
Costs and plan types: 2026 vs 2027
| Measure | 2026 | 2027 |
|---|---|---|
| Lowest out-of-pocket limit | $3,000 | $3,000 |
| Typical (median) limit | $6,650 | $7,000 |
| Highest limit | $9,250 | $9,850 |
| Special Needs Plans | 10 | 10 |
| HMO plans | 28 | 27 |
| PPO plans | 18 | 16 |
Next steps
Sources: CMS MA/Part D Landscape CY2026 (published 202609, retrieved Oct 10, 2026); CMS plan type + in-network MOOP (plan meta) CY2026 (publication date not recorded); CMS MA/Part D Landscape CY2027 (published 202609, retrieved Oct 10, 2026); CMS plan type + in-network MOOP (plan meta) CY2027 (published PY2027, retrieved Oct 4, 2026); PlanScout analysis. Counts are Medicare Advantage plans in CMS’s Landscape files; stand-alone Part D plans are not included. A plan that is “not offered again” is a 2026 plan ID with no 2027 listing in Idaho. No plan is ranked or recommended.