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Medicare plans in St. Clair County, AL — 2027
What agents look up before working a county: plan count, carriers, $0-premium share, star distribution, MOOP range, the 65+ and 60–64 population, and what changed since last year.
In 2027, St. Clair County, Alabama has 82 Medicare plans (32 Medicare Advantage with drug coverage, 9 without, 11 standalone Part D, 30 Special Needs) from 10 carriers. 49 Medicare Advantage plans have a $0 premium. The lowest in-network out-of-pocket maximum is $3,250.
What changed vs 2026
- 4 more plans than 2026
- $0-premium plans up 14
Market snapshot
- Residents 65 and older
- 16,832
- Residents 60–64, aging in over the next five years
- 6,292
- Medicare eligibles
- 24,463
- Medicare Advantage penetration
- 60.4%
- Plans per 1,000 residents 65+
- 4.9
Carriers by number of plans
- Humana — 21 plans
- UnitedHealthcare — 18 plans
- Devoted Health — 11 plans
- Aetna Medicare — 9 plans
- HealthSpring — 9 plans
- VIVA Medicare — 5 plans
- Simpra Advantage — 3 plans
- Blue Cross and Blue Shield of Alabama — 2 plans
Plans sorted by CMS star rating, then premium
| Plan | Carrier | Category | Plan type | Monthly premium | Drug deductible | Out-of-pocket maximum | Star rating |
|---|---|---|---|---|---|---|---|
| UHC Nursing Home Plan EX-F001 (PPO I-SNP) (H0710-004-0) | UnitedHealthcare | SNP | PPO I-SNP | $0 | $700 | $9,850 | 5.0 |
| Humana Dual QMB Only (HMO D-SNP) (H4461-074-0) | Humana | SNP | HMO D-SNP | $0 | $100 | $9,850 | 4.5 |
| Humana Dual Select H4461-077 (HMO D-SNP) (H4461-077-0) | Humana | SNP | HMO D-SNP | $0 | $50 | $9,850 | 4.5 |
| Humana Gold Plus H4461-078 (HMO) (H4461-078-0) | Humana | MA-PD | HMO | $0 | $700 | $6,360 | 4.5 |
| Humana Gold Plus SNP-DE H4461-076 (HMO D-SNP) (H4461-076-0) | Humana | SNP | HMO D-SNP | $0 | $700 | $9,850 | 4.5 |
| Humana USAA Honor Giveback (HMO) (H4461-075-0) | Humana | MA | HMO | $0 | $4,150 | 4.5 | |
| HumanaChoice H7617-091 (PPO) (H7617-091-0) | Humana | MA-PD | PPO | $0 | $700 | $4,450 | 4.5 |
| Humana Value Plus H7617-089 (PPO) (H7617-089-0) | Humana | MA-PD | PPO | $0.50 | $400 | $6,200 | 4.5 |
| Humana Basic Rx Plan (PDP) (S5884-106-0) | Humana | PDP | PDP | $6.30 | $700 | 4.5 | |
| HumanaChoice H7617-090 (PPO) (H7617-090-0) | Humana | MA-PD | PPO | $34 | $700 | $3,250 | 4.5 |
Showing 10 of 82 plans.
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About this data
Source: CMS Medicare Advantage/Part D Landscape files, plan year 2027; population: U.S. Census Bureau ACS 5-year 2024; MA penetration: CMS October 2026.
This page summarizes publicly available CMS data. It is not a plan finder and does not recommend plans. To compare and enroll in plans, use Medicare.gov or talk to a licensed agent. Medicare.gov plan finder.