Benefits Insider Medicare Navigator · 2027 plans

Every 2027 Medicare plan in your county. Not just the ones an agent gets paid to show you.

Spend two minutes here, then finish on Medicare.gov.

Free. Nobody calls you. Nothing to buy. 5,884 plans · every county · CMS data updated October 18, 2026

Built by Kwame Kuadey, The Benefits Insider · Adjunct Professor of Finance, Johns Hopkins Carey Business School · 230,000 people follow Benefits Insider on YouTube
Independent. We don’t sell insurance, and no agent is on the other end.

No account, no log-in, no six screens of questions
Your county’s full plan report emailed and texted to you, with two free 2027 guides

How to read this list

Four numbers, in this order

Network type. HMO means you pick a primary doctor and stay in network. PPO lets you go out of network for more money. Call your doctor’s office before anything else.
Yearly out-of-pocket maximum. Your worst-case bill for covered medical care in a bad year. A $0 plan with a $9,850 cap is a different product from a $0 plan with a $4,450 cap.
Drug coverage. Does the plan include it, and what is the drug deductible? Your actual drug costs depend on your prescriptions; Medicare.gov can estimate them.
Premium last. Most plans are $0 a month. The premium is the smallest number on this page and the one the ads shout about.

Star Ratings: 4 and above is good. “Too new to be measured” is not bad, it is unknown. Premiums shown do not include your Part B premium.

$0 premium Pays back part of Part B 4 stars and up Includes drug coverage

What to do next

Take your top two or three to Medicare.gov

Call your doctor’s office and ask: “Are you in network for this plan in 2027?” Then ask the plan the same question. Each plan’s provider directory is linked on its details page.
Go to Medicare.gov/plan-compare, enter your ZIP, your prescriptions and your pharmacy. It will show your estimated yearly drug costs for each plan. That is the number this page cannot give you.
Enroll on Medicare.gov, by calling 1-800-MEDICARE (1-800-633-4227), or directly with the plan. You never need an agent to enroll, and no one here will contact you.
Want a human to talk it through? Your State Health Insurance Assistance Program gives free, unbiased counseling: shiphelp.org or 1-877-839-2675.

A couple at their kitchen table reading a letter together

Here’s how it works

Two minutes here. Then Medicare.gov with your short list.

1Enter your ZIP code. If your ZIP code serves multiple counties, select your county of residence. Plans are approved by county, not ZIP code.
2See the summary, free. How many plans, how many are $0, how many plans pay back part of your Part B premium, and what you will pay in the worst case scenario.
3Get your Medicare Report. Every plan, emailed and texted, with 10 Medicare Mistakes to Avoid and the 2027 Medicare Cheat Sheet. Then take your top two or three plans to Medicare.gov.

Start with your ZIP code

Why not just use Medicare.gov?

Medicare.gov shows you 48 plans. We show you which four to look at first.

48 plans, when you wanted 4

The average person who looked on Medicare.gov had 48 plans to choose from and told researchers they wanted about four. Medicare.gov hands you the list. This page starts with the plans most people can actually join and the four numbers that matter.

Plain English, no account

The Government Accountability Office found Medicare.gov’s tool hard to navigate and full of terms people don’t know. Here, every term is explained where you see it, and you never create a log-in.

Not a sales funnel

Most “compare plans in your ZIP” sites are run by health insurance agencies and show only the plans they sell. This one shows every plan in the CMS file, and we do not sell insurance or pass your name to anyone who does.

What Medicare.gov does that we don’t: estimate your own drug costs by pharmacy, look up your doctors, and enroll you. Once you have narrowed it to two or three plans, go there to compare your drug costs and enroll.

“So why do you need my email?”

Because a report on 40 plans is not something to read on a phone in one sitting. I email you your county’s complete report so you can print it, sit with it, and come back. And because the rules change every year, and I’d rather you hear it from me than from an ad.

I Send You Timely Updates

Your email

Your Medicare Report, the two guides, and my free newsletter

Plain-language breakdowns of Social Security, Medicare and retirement rules: what changed, and what it means for your money. Unsubscribe on any email.

Your phone

The weekly text list

I text you the link to your list so it is on your phone when you call the plan or your doctor. After that, one text a week with updates that can affect your benefits. Never a call. Reply STOP any time.

Nobody calls you out of the blue. Not me, not an agent, not a “benefits specialist.” We do not sell insurance, and we will never sell or share your information with anyone who does.

Straight talk about money: my newsletter and text list are free because sponsors and partners pay to be in them, and those messages are always labeled. Some partners, like the licensed Medicare advisors at Chapter, do sell insurance. If you ever want to talk to one of them, that is a link you click, never a call you get, and your information never leaves my list.

The terms, in plain English

Medicare Advantage: A private plan that replaces Original Medicare for your hospital and doctor coverage. Most include drug coverage. You must use the plan’s network and rules.
Drug plan (PDP): A stand-alone Part D prescription plan you add to Original Medicare or to a Medicare Advantage plan that has no drug coverage.
Special Needs Plan: A Medicare Advantage plan only for people who qualify: both Medicare and Medicaid (D-SNP), a listed chronic condition (C-SNP), or living in a nursing facility (I-SNP).
Out-of-pocket maximum: The most you pay in a year for covered medical care in network. Premiums and prescriptions do not count toward it. Original Medicare alone has no cap.
Drug deductible: What you pay for prescriptions before the plan starts sharing the cost. $0 means the plan pays from the first fill. In 2027 nobody pays more than $2,400 out of pocket for covered Part D drugs.
Part B giveback: Some plans pay part of your Medicare Part B premium for you, so your Social Security check goes up by that amount. It is real money, but check the network and the out-of-pocket maximum first.
Star Rating: Medicare’s 1-to-5 quality score for the plan’s contract, based on member surveys and care measures. 4 and up is good. New plans have no rating yet.
Extra Help: The Part D Low-Income Subsidy. If you have it, drug plans marked “$0 with Extra Help” cost you no premium.