Choosing and changing coverage
How do I choose a Medicare plan?
Compare Medicare options near you
Answer 3 quick questions to see Medicare listings from licensed insurance partners.
What’s your ZIP code?
Plan availability is set by your county, so we start here.
How old are you?
This helps match you with options you’re eligible for.
Do you have Medicare Parts A & B?
This affects which Medicare options you can choose.
These listings are provided by licensed insurance partners.
Medicare Advantage plans in your area are changing or leaving for 2027.
Is your plan one of them? Call now — one free call tells you.
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Medicare Advantage plans in your area are changing or leaving for 2027.
Is your plan one of them? Call now — one free call tells you.
Available now — current wait: 0 min
A real person answers. About 5 minutes, no obligation.
Agents available Mon–Fri, 8am–6pm CT
Want to see more plan options?
Answer a few more questions to continue to additional options from licensed partners.
Continue →Advertising disclosure: MyMedicarePlans.org may be compensated when you contact a partner or licensed agent. Listings are not ranked or endorsed by us, and we do not recommend specific plans. You can also contact Medicare.gov or 1-800-MEDICARE.
Speak to a Licensed Insurance Agent
Click to call 855-729-3240Found a plan you like online?
One free call confirms it's actually right for you — online directories are wrong more often than you'd think.
- Your doctors — confirmed in-network for 2027
- Your prescriptions — checked against the plan's 2027 drug tiers
855-729-3240 · free · about 5 minutes
Short answer
Start by deciding between Original Medicare, usually with a Part D drug plan and often a Medigap policy, and a Medicare Advantage plan, then compare the plans offered in your ZIP code.
Check that your doctors and hospitals are in the plan's network, that your prescriptions are on its drug list at a pharmacy you use, and what you'd pay in premiums, deductibles, copays and the plan's out-of-pocket limit.
Medicare's Plan Finder at Medicare.gov compares plans side by side, and CMS Star Ratings, from 1 to 5 stars, show how Medicare rates each plan's quality and service.
Step 1: Original Medicare or Medicare Advantage?
Original Medicare works with any provider that accepts Medicare and pairs with a Part D plan and Medigap; Medicare Advantage bundles coverage in one private plan, usually with a network and an out-of-pocket limit. The differences, side by side.
Step 2: List your doctors, drugs and pharmacies
Write down the doctors and hospitals you want to keep, every prescription with its dose, and the pharmacies you use. These decide more about what a plan will cost you, and whether it works for you, than the premium does.
Step 3: Compare the total cost, not just the premium
Use the Medicare Plan Finder to enter your drugs and see each plan's estimated yearly cost. Look at the premium, deductibles, copays for the care you use, and the out-of-pocket limit for a bad year. A $0 premium plan can cost more in a year of heavy use; a higher premium can mean less to pay later.
Step 4: Check the rules
For a Medicare Advantage plan: is it an HMO or a PPO, do you need referrals, which services need prior approval, and is care covered when you travel? For a drug plan: which tier are your drugs on, and are there limits such as step therapy?
Step 5: Look at Star Ratings and next year's changes
CMS rates Medicare Advantage and Part D plans from 1 to 5 stars each fall. A new plan may have no rating yet. CMS Star Ratings by state. If you already have a plan, read its Annual Notice of Change for 2027, and check whether plans are leaving or changing in your county.
Step 6: Enroll in the right window, and watch for scams
Most changes are made during Annual Enrollment, October 15 to December 7, for coverage starting January 1. Medicare never calls uninvited to sell a plan or ask for your Medicare Number. You can get free help from Medicare.gov or 1-800-MEDICARE (TTY 1-877-486-2048), or talk with a licensed agent, who can explain only the plans they represent.
On this site: Medicare Advantage plans by stateMedicare Part D plans by stateMedigap plans by stateCMS Star Ratings by state
Good to know
More questions people ask
Is there one Medicare plan that is right for everyone?
What do Medicare Star Ratings mean?
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What if my plan changes next year?
Related questions
In depth
- Medicare.gov: Medicare Plan Finder
- Medicare.gov: Your coverage options
- Medicare.gov: Joining a health or drug plan
- Medicare.gov: Compare Original Medicare and Medicare Advantage
Figures are Medicare’s, set nationally, and were checked against these pages on October 2026. For your own situation, contact Medicare.gov or 1-800-MEDICARE (TTY 1-877-486-2048).
Content Integrity Standards
- No invented figures. Program-level numbers come from CMS / Medicare.gov; we never use placeholder data.
- No plan recommendations. This is educational content. We don't score or recommend specific plans; any Star Ratings shown are Medicare's own CMS ratings, stated as published.
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This page was last updated: October 2026.