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Medicare plans in Whatcom County, WA — 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, Whatcom County, Washington has 36 Medicare plans (4 Medicare Advantage with drug coverage, 5 without, 8 standalone Part D, 19 Special Needs) from 6 carriers. 19 Medicare Advantage plans have a $0 premium. The lowest in-network out-of-pocket maximum is $4,000.
What changed vs 2026
- 19 fewer plans than 2026
- Carriers exited: Aetna Medicare, Kaiser Permanente
- $0-premium plans down 3
- Average star rating up 0.3
Market snapshot
- Residents 65 and older
- 43,568
- Residents 60–64, aging in over the next five years
- 13,729
- Medicare eligibles
- 54,532
- Medicare Advantage penetration
- 46.5%
- Plans per 1,000 residents 65+
- 0.8
Carriers by number of plans
- UnitedHealthcare — 14 plans
- Humana — 13 plans
- Wellcare — 4 plans
- Community Health Plan of WA Medicare Advantage — 2 plans
- Molina Healthcare of Washington, Inc. — 2 plans
- HealthSpring — 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 |
|---|---|---|---|---|---|---|---|
| UHC Nursing Home Plan WA-F001 (PPO I-SNP) (H0710-031-0) | UnitedHealthcare | SNP | PPO I-SNP | $0 | $700 | $9,850 | 5.0 |
| UHC Care Advantage WA-E001 (PPO I-SNP) (H0710-030-0) | UnitedHealthcare | SNP | PPO I-SNP | $6.30 | $270 | $4,000 | 5.0 |
| AARP Medicare Advantage Patriot No RX WA-MA3 (PPO) (H2001-148-0) | UnitedHealthcare | MA | PPO | $0 | $7,150 | 4.5 | |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) (H1036-306-0) | Humana | SNP | HMO C-SNP | $0 | $500 | $4,550 | 4.5 |
| Humana USAA Honor Giveback (PPO) (H7617-021-0) | Humana | MA | PPO | $0 | $9,150 | 4.5 | |
| UHC Dual Complete WA-Q1 (PPO D-SNP) (H2001-079-0) | UnitedHealthcare | SNP | PPO D-SNP | $0 | $210 | $9,850 | 4.5 |
| UHC Dual Complete WA-S5 (PPO D-SNP) (H2001-051-0) | UnitedHealthcare | SNP | PPO D-SNP | $0 | $335 | $9,850 | 4.5 |
| Humana Basic Rx Plan (PDP) (S5884-113-0) | Humana | PDP | PDP | $6.30 | $700 | 4.5 | |
| UHC Dual Advantage WA-V2 (PPO D-SNP) (H2001-080-0) | UnitedHealthcare | SNP | PPO D-SNP | $6.30 | $700 | $6,700 | 4.5 |
| AARP Medicare Advantage from UHC WA-18 (PPO) (H2001-146-0) | UnitedHealthcare | MA-PD | PPO | $10 | $685 | $7,150 | 4.5 |
Showing 10 of 36 plans.
Nearby counties
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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.