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Medicare plans in Lake County, MT — 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, Lake County, Montana has 16 Medicare plans (2 Medicare Advantage with drug coverage, 2 without, 9 standalone Part D, 3 Special Needs) from 5 carriers. 5 Medicare Advantage plans have a $0 premium. The lowest in-network out-of-pocket maximum is $5,000.
What changed vs 2026
- 11 fewer plans than 2026
- Carriers exited: Aetna Medicare, Blue Cross and Blue Shield of Montana
- $0-premium plans down 3
- Average star rating up 0.4
Market snapshot
- Residents 65 and older
- 7,894
- Residents 60–64, aging in over the next five years
- 2,784
- Medicare eligibles
- 8,980
- Medicare Advantage penetration
- 28.1%
- Plans per 1,000 residents 65+
- 2
Carriers by number of plans
- Humana — 10 plans
- UnitedHealthcare — 2 plans
- Wellcare — 2 plans
- HealthSpring — 1 plan
- MedicareBlue Rx — 1 plan
Plans sorted by CMS star rating, then premium
| Plan | Carrier | Category | Plan type | Monthly premium | Drug deductible | Out-of-pocket maximum | Star rating |
|---|---|---|---|---|---|---|---|
| Humana Dual QMB Only (PPO D-SNP) (H7617-037-0) | Humana | SNP | PPO D-SNP | $0 | $250 | $9,850 | 4.5 |
| HumanaChoice SNP-DE H7617-036 (PPO D-SNP) (H7617-036-0) | Humana | SNP | PPO D-SNP | $0 | $200 | $9,850 | 4.5 |
| Humana Basic Rx Plan (PDP) (S5884-145-0) | Humana | PDP | PDP | $18.30 | $700 | 4.5 | |
| Humana Value Rx Plan (PDP) (S5884-204-0) | Humana | PDP | PDP | $33.30 | $687 | 4.5 | |
| Humana Premier Rx Plan (PDP) (S5884-171-0) | Humana | PDP | PDP | $123 | $350 | 4.5 | |
| Humana Gold Plus SNP-DE H6622-008 (HMO D-SNP) (H6622-008-0) | Humana | SNP | HMO D-SNP | $0 | $700 | $9,850 | 4.0 |
| Humana USAA Honor Giveback (PPO) (H5216-278-3) | Humana | MA | PPO | $0 | $6,750 | 4.0 | |
| Humana USAA Honor Giveback (PPO) (H5216-427-5) | Humana | MA | PPO | $0 | $9,150 | 4.0 | |
| HumanaChoice H5216-457 (PPO) (H5216-457-2) | Humana | MA-PD | PPO | $28 | $500 | $5,000 | 4.0 |
| HumanaChoice H5216-048 (PPO) (H5216-048-0) | Humana | MA-PD | PPO | $97 | $700 | $7,000 | 4.0 |
Showing 10 of 16 plans.
Nearby counties
Agent Tools
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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.