Best* Medicare Advantage Plans in North Carolina for 2027
Longevity Health Plan, UnitedHealthcare and Devoted Health have 2027 plans in North Carolina rated 4.5 stars or higher by Medicare in the 2027 CMS Star Ratings.
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2027 CMS Star Ratings
Best* Medicare Advantage plans in North Carolina (2027 CMS Star Ratings)
In the 2027 CMS Star Ratings, 31 Medicare Advantage plans in North Carolina share the highest rating among plans open to everyone with Medicare, 4.5 out of 5 stars: AARP Medicare Advantage from UHC NC-0001 (PPO) (UnitedHealthcare); AARP Medicare Advantage from UHC NC-0004 (PPO) (UnitedHealthcare); Alignment Health Platinum 010 (HMO) (Alignment Health Plan); Alignment Health Platinum 012 (HMO) (Alignment Health Plan); Alignment Health Smart 006 (HMO) (Alignment Health Plan); Alignment Health Smart 013 (HMO) (Alignment Health Plan); and 23 more. Another 51 are rated 4 stars, listed next as also highly rated. Special needs plans, which only people who qualify can join, are listed separately: 35 are rated 4 stars or higher.
Of the 179 Medicare Advantage plans offered in North Carolina for 2027, 2 are rated 5 stars, 58 are rated 4.5 stars and 65 are rated 4 stars in the 2027 CMS Star Ratings, each plan counted once however many counties it serves. 7 plans have no 2027 star score: CMS lists 6 “Not enough data available” and 1 “Plan too new to be measured”.
*Best: the highest overall rating in the 2027 CMS Star Ratings among Medicare Advantage plans open to everyone with Medicare Parts A and B in North Carolina (4.5 out of 5). Medicare's rating, not our recommendation.
| Plan | Insurer | Plan type | 2027 overall rating |
|---|---|---|---|
| Highest rated: 4.5 out of 5, the top overall rating among plans open to everyone | |||
| AARP Medicare Advantage from UHC NC-0001 (PPO) | UnitedHealthcare | PPO | 4.5 out of 5 |
| AARP Medicare Advantage from UHC NC-0004 (PPO) | UnitedHealthcare | PPO | 4.5 out of 5 |
| Alignment Health Platinum 010 (HMO) | Alignment Health Plan | HMO | 4.5 out of 5 |
| Alignment Health Platinum 012 (HMO) | Alignment Health Plan | HMO | 4.5 out of 5 |
| Alignment Health Smart 006 (HMO) | Alignment Health Plan | HMO | 4.5 out of 5 |
| Alignment Health Smart 013 (HMO) | Alignment Health Plan | HMO | 4.5 out of 5 |
| Blue Medicare PPO Enhanced (PPO) | Blue Cross and Blue Shield of North Carolina | PPO | 4.5 out of 5 |
| Blue Medicare PPO Enhanced (PPO) | Blue Cross and Blue Shield of North Carolina | PPO | 4.5 out of 5 |
| DEVOTED CORE 001 NC (HMO) | Devoted Health | HMO | 4.5 out of 5 |
| DEVOTED CORE 021 NC (HMO) | Devoted Health | HMO | 4.5 out of 5 |
| DEVOTED CORE 023 NC (HMO) | Devoted Health | HMO | 4.5 out of 5 |
| DEVOTED CORE 029 NC (HMO) | Devoted Health | HMO | 4.5 out of 5 |
| DEVOTED CORE 037 NC (HMO) | Devoted Health | HMO | 4.5 out of 5 |
| DEVOTED GIVEBACK 002 NC (HMO) | Devoted Health | HMO | 4.5 out of 5 |
| DEVOTED GIVEBACK 012 NC (HMO) | Devoted Health | HMO | 4.5 out of 5 |
| DEVOTED GIVEBACK 022 NC (HMO) | Devoted Health | HMO | 4.5 out of 5 |
| DEVOTED GIVEBACK 024 NC (HMO) | Devoted Health | HMO | 4.5 out of 5 |
| DEVOTED GIVEBACK 030 NC (HMO) | Devoted Health | HMO | 4.5 out of 5 |
| DEVOTED GIVEBACK EXTRAS 038 NC (HMO) | Devoted Health | HMO | 4.5 out of 5 |
| DEVOTED GIVEBACK EXTRAS 039 NC (HMO) | Devoted Health | HMO | 4.5 out of 5 |
| DEVOTED GIVEBACK EXTRAS 041 NC (HMO) | Devoted Health | HMO | 4.5 out of 5 |
| DEVOTED GIVEBACK EXTRAS 042 NC (HMO) | Devoted Health | HMO | 4.5 out of 5 |
| DEVOTED GIVEBACK EXTRAS 044 NC (HMO) | Devoted Health | HMO | 4.5 out of 5 |
| HealthTeam Advantage Thrive Plan (HMO) | HealthTeam Advantage | HMO | 4.5 out of 5 |
| Humana Gold Plus Giveback H1036-318 (HMO-POS) | Humana | HMO-POS | 4.5 out of 5 |
| Humana Gold Plus Giveback H1036-343 (HMO-POS) | Humana | HMO-POS | 4.5 out of 5 |
| Humana Gold Plus H1036-137 (HMO-POS) | Humana | HMO-POS | 4.5 out of 5 |
| Humana Gold Plus H1036-233 (HMO-POS) | Humana | HMO-POS | 4.5 out of 5 |
| Humana Gold Plus H1036-335 (HMO-POS) | Humana | HMO-POS | 4.5 out of 5 |
| Humana Gold Plus H1036-335 (HMO-POS) | Humana | HMO-POS | 4.5 out of 5 |
| HumanaChoice H7617-122 (PPO) | Humana | PPO | 4.5 out of 5 |
| Also highly rated: rated 4 stars (first 30 of 51) | |||
| AARP Medicare Advantage from UHC NC-0007 (HMO-POS) | UnitedHealthcare | HMO-POS | 4 out of 5 |
| AARP Medicare Advantage from UHC NC-0009 (HMO-POS) | UnitedHealthcare | HMO-POS | 4 out of 5 |
| AARP Medicare Advantage from UHC NC-0011 (HMO-POS) | UnitedHealthcare | HMO-POS | 4 out of 5 |
| AARP Medicare Advantage from UHC NC-0012 (HMO-POS) | UnitedHealthcare | HMO-POS | 4 out of 5 |
| AARP Medicare Advantage from UHC NC-0016 (PPO) | UnitedHealthcare | PPO | 4 out of 5 |
| AARP Medicare Advantage from UHC NC-0017 (PPO) | UnitedHealthcare | PPO | 4 out of 5 |
| AARP Medicare Advantage from UHC NC-0019 (PPO) | UnitedHealthcare | PPO | 4 out of 5 |
| AARP Medicare Advantage from UHC NC-0021 (HMO-POS) | UnitedHealthcare | HMO-POS | 4 out of 5 |
| AARP Medicare Advantage from UHC NC-0022 (HMO-POS) | UnitedHealthcare | HMO-POS | 4 out of 5 |
| AARP Medicare Advantage from UHC NC-15 (HMO-POS) | UnitedHealthcare | HMO-POS | 4 out of 5 |
| AARP Medicare Advantage from UHC NC-24 (HMO-POS) | UnitedHealthcare | HMO-POS | 4 out of 5 |
| AARP Medicare Advantage from UHC NC-26 (HMO-POS) | UnitedHealthcare | HMO-POS | 4 out of 5 |
| AARP Medicare Advantage Giveback from UHC NC-13 (HMO-POS) | UnitedHealthcare | HMO-POS | 4 out of 5 |
| AARP Medicare Advantage Giveback from UHC NC-14 (HMO-POS) | UnitedHealthcare | HMO-POS | 4 out of 5 |
| Aetna Medicare Enhanced (PPO) | Aetna (CVS Health) | PPO | 4 out of 5 |
| Aetna Medicare Enhanced (PPO) | Aetna (CVS Health) | PPO | 4 out of 5 |
| Aetna Medicare Signature (PPO) | Aetna (CVS Health) | PPO | 4 out of 5 |
| Aetna Medicare Signature (PPO) | Aetna (CVS Health) | PPO | 4 out of 5 |
| Aetna Medicare Signature (PPO) | Aetna (CVS Health) | PPO | 4 out of 5 |
| Aetna Medicare Signature (PPO) | Aetna (CVS Health) | PPO | 4 out of 5 |
| Aetna Medicare Signature Extra (PPO) | Aetna (CVS Health) | PPO | 4 out of 5 |
| Aetna Medicare Signature Giveback (PPO) | Aetna (CVS Health) | PPO | 4 out of 5 |
| Blue Medicare Enhanced (HMO-POS) | Blue Cross and Blue Shield of North Carolina | HMO-POS | 4 out of 5 |
| Blue Medicare Enhanced (HMO-POS) | Blue Cross and Blue Shield of North Carolina | HMO-POS | 4 out of 5 |
| Blue Medicare Enhanced (HMO-POS) | Blue Cross and Blue Shield of North Carolina | HMO-POS | 4 out of 5 |
| Blue Medicare Essential (HMO) | Blue Cross and Blue Shield of North Carolina | HMO | 4 out of 5 |
| Blue Medicare Essential (HMO) | Blue Cross and Blue Shield of North Carolina | HMO | 4 out of 5 |
| Blue Medicare Essential Plus (HMO-POS) | Blue Cross and Blue Shield of North Carolina | HMO-POS | 4 out of 5 |
| Blue Medicare Essential Plus (HMO-POS) | Blue Cross and Blue Shield of North Carolina | HMO-POS | 4 out of 5 |
| Blue Medicare Essential Plus (HMO-POS) | Blue Cross and Blue Shield of North Carolina | HMO-POS | 4 out of 5 |
| Special needs plans rated 4 stars or higher (only for people who qualify) (first 20 of 35) | |||
| Longevity Health Plan (HMO I-SNP) | Longevity Health Plan | HMO I-SNP | 5 out of 5 |
| UHC Nursing Home Plan NC-F001 (PPO I-SNP) | UnitedHealthcare | PPO I-SNP | 5 out of 5 |
| Alignment Health Duals+ 004 (HMO-POS D-SNP) | Alignment Health Plan | HMO-POS D-SNP | 4.5 out of 5 |
| Alignment Health Heart & Diabetes 011 (HMO C-SNP) | Alignment Health Plan | HMO C-SNP | 4.5 out of 5 |
| Alignment Health Heart & Diabetes Plus 009 (HMO-POS C-SNP) | Alignment Health Plan | HMO-POS C-SNP | 4.5 out of 5 |
| DEVOTED C-SNP ENHANCED 014 NC (HMO C-SNP) | Devoted Health | HMO C-SNP | 4.5 out of 5 |
| DEVOTED C-SNP ENHANCED 016 NC (HMO C-SNP) | Devoted Health | HMO C-SNP | 4.5 out of 5 |
| DEVOTED C-SNP ENHANCED 017 NC (HMO C-SNP) | Devoted Health | HMO C-SNP | 4.5 out of 5 |
| DEVOTED C-SNP ENHANCED 018 NC (HMO C-SNP) | Devoted Health | HMO C-SNP | 4.5 out of 5 |
| DEVOTED C-SNP GIVEBACK EXTRAS 031 NC (HMO C-SNP) | Devoted Health | HMO C-SNP | 4.5 out of 5 |
| DEVOTED C-SNP GIVEBACK EXTRAS 032 NC (HMO C-SNP) | Devoted Health | HMO C-SNP | 4.5 out of 5 |
| DEVOTED C-SNP GIVEBACK EXTRAS 033 NC (HMO C-SNP) | Devoted Health | HMO C-SNP | 4.5 out of 5 |
| DEVOTED C-SNP GIVEBACK EXTRAS 034 NC (HMO C-SNP) | Devoted Health | HMO C-SNP | 4.5 out of 5 |
| DEVOTED C-SNP GIVEBACK EXTRAS 045 NC (HMO C-SNP) | Devoted Health | HMO C-SNP | 4.5 out of 5 |
| DEVOTED C-SNP PLUS 015 NC (HMO C-SNP) | Devoted Health | HMO C-SNP | 4.5 out of 5 |
| DEVOTED DUAL 009 NC (HMO D-SNP) | Devoted Health | HMO D-SNP | 4.5 out of 5 |
| DEVOTED DUAL FULL 013 NC (HMO D-SNP) | Devoted Health | HMO D-SNP | 4.5 out of 5 |
| DEVOTED DUAL PLUS 006 NC (HMO D-SNP) | Devoted Health | HMO D-SNP | 4.5 out of 5 |
| Humana Dual Select H1036-307 (HMO D-SNP) | Humana | HMO D-SNP | 4.5 out of 5 |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) | Humana | HMO C-SNP | 4.5 out of 5 |
Plans are offered county by county, so not every plan is available everywhere in North Carolina. Pick your county below for its plans, or use the plan finder on this page.
Compare plans for your ZIP code in Medicare's Plan Finder on Medicare.gov.
How the top plans are chosen
The plans listed first have the highest overall rating in the 2027 CMS Star Ratings among the Medicare Advantage plans in North Carolina open to everyone with Medicare: 4.5 out of 5 stars. Plans that share it are listed by name, not ranked, and the other plans rated 4 stars or higher follow. Special needs plans, which only people who qualify can join, are listed separately, and a plan without drug coverage has no overall rating, so it isn't counted. We only do this where the top rating is at least 4 stars.
Star Ratings are Medicare's measure of a plan's quality and members' experience, not our recommendation. A rating doesn't tell you whether a plan covers your doctors and prescriptions or what it costs, so compare plans for your ZIP code with the plan finder on this page.
Top-rated plans in your North Carolina county
| County | Plans offered | Rated 4 stars or higher | Highest rating |
|---|---|---|---|
| Alamance County | 87 | 55 | 5 out of 5 |
| Alexander County | 75 | 48 | 4.5 out of 5 |
| Alleghany County | 64 | 40 | 4.5 out of 5 |
| Anson County | 75 | 49 | 5 out of 5 |
| Ashe County | 57 | 41 | 4.5 out of 5 |
| Avery County | 69 | 52 | 4.5 out of 5 |
| Beaufort County | 37 | 28 | 4.5 out of 5 |
| Bertie County | 37 | 25 | 4.5 out of 5 |
| Bladen County | 67 | 44 | 4.5 out of 5 |
| Brunswick County | 63 | 49 | 5 out of 5 |
| Buncombe County | 79 | 55 | 5 out of 5 |
| Burke County | 69 | 46 | 5 out of 5 |
| Cabarrus County | 84 | 50 | 5 out of 5 |
| Caldwell County | 71 | 48 | 5 out of 5 |
| Camden County | 35 | 26 | 4.5 out of 5 |
| Carteret County | 20 | 12 | 4.5 out of 5 |
| Caswell County | 71 | 51 | 5 out of 5 |
| Catawba County | 83 | 51 | 5 out of 5 |
| Chatham County | 64 | 40 | 5 out of 5 |
| Cherokee County | 49 | 40 | 4.5 out of 5 |
| Chowan County | 37 | 28 | 4.5 out of 5 |
| Clay County | 59 | 43 | 4.5 out of 5 |
| Cleveland County | 69 | 45 | 4.5 out of 5 |
| Columbus County | 67 | 45 | 4.5 out of 5 |
| Craven County | 22 | 13 | 4.5 out of 5 |
| Cumberland County | 64 | 42 | 5 out of 5 |
| Currituck County | 42 | 33 | 5 out of 5 |
| Dare County | 30 | 21 | 4.5 out of 5 |
| Davidson County | 96 | 59 | 5 out of 5 |
| Davie County | 93 | 58 | 5 out of 5 |
| Duplin County | 48 | 32 | 5 out of 5 |
| Durham County | 69 | 37 | 5 out of 5 |
| Edgecombe County | 41 | 32 | 5 out of 5 |
| Forsyth County | 97 | 59 | 5 out of 5 |
| Franklin County | 55 | 34 | 5 out of 5 |
| Gaston County | 83 | 54 | 5 out of 5 |
| Gates County | 41 | 32 | 4.5 out of 5 |
| Graham County | 59 | 43 | 4.5 out of 5 |
| Granville County | 53 | 32 | 4.5 out of 5 |
| Greene County | 48 | 29 | 4.5 out of 5 |
| Guilford County | 97 | 58 | 5 out of 5 |
| Halifax County | 45 | 33 | 4.5 out of 5 |
| Harnett County | 59 | 36 | 5 out of 5 |
| Haywood County | 72 | 49 | 5 out of 5 |
| Henderson County | 77 | 55 | 5 out of 5 |
| Hertford County | 40 | 31 | 4.5 out of 5 |
| Hoke County | 57 | 38 | 5 out of 5 |
| Hyde County | 42 | 30 | 4.5 out of 5 |
| Iredell County | 78 | 51 | 5 out of 5 |
| Jackson County | 62 | 44 | 4.5 out of 5 |
| Johnston County | 61 | 40 | 5 out of 5 |
| Jones County | 42 | 29 | 4.5 out of 5 |
| Lee County | 51 | 33 | 4.5 out of 5 |
| Lenoir County | 41 | 29 | 4.5 out of 5 |
| Lincoln County | 77 | 50 | 5 out of 5 |
| Macon County | 54 | 38 | 4.5 out of 5 |
| Madison County | 69 | 52 | 4.5 out of 5 |
| Martin County | 50 | 34 | 4.5 out of 5 |
| McDowell County | 75 | 54 | 5 out of 5 |
| Mecklenburg County | 89 | 57 | 5 out of 5 |
| Mitchell County | 69 | 47 | 4.5 out of 5 |
| Montgomery County | 65 | 44 | 5 out of 5 |
| Moore County | 62 | 39 | 5 out of 5 |
| Nash County | 42 | 29 | 5 out of 5 |
| New Hanover County | 66 | 48 | 5 out of 5 |
| Northampton County | 38 | 29 | 4.5 out of 5 |
| Onslow County | 21 | 14 | 4.5 out of 5 |
| Orange County | 74 | 41 | 4.5 out of 5 |
| Pamlico County | 40 | 31 | 4.5 out of 5 |
| Pasquotank County | 39 | 30 | 4.5 out of 5 |
| Pender County | 64 | 47 | 4.5 out of 5 |
| Perquimans County | 38 | 29 | 4.5 out of 5 |
| Person County | 73 | 49 | 4.5 out of 5 |
| Pitt County | 41 | 27 | 5 out of 5 |
| Polk County | 66 | 44 | 5 out of 5 |
| Randolph County | 87 | 53 | 5 out of 5 |
| Richmond County | 60 | 35 | 4.5 out of 5 |
| Robeson County | 54 | 33 | 5 out of 5 |
| Rockingham County | 88 | 53 | 5 out of 5 |
| Rowan County | 86 | 57 | 5 out of 5 |
| Rutherford County | 60 | 46 | 5 out of 5 |
| Sampson County | 51 | 30 | 4.5 out of 5 |
| Scotland County | 55 | 32 | 5 out of 5 |
| Stanly County | 62 | 45 | 4.5 out of 5 |
| Stokes County | 84 | 52 | 5 out of 5 |
| Surry County | 56 | 42 | 5 out of 5 |
| Swain County | 60 | 42 | 4.5 out of 5 |
| Transylvania County | 71 | 49 | 4.5 out of 5 |
| Tyrrell County | 43 | 30 | 4.5 out of 5 |
| Union County | 85 | 51 | 5 out of 5 |
| Vance County | 53 | 32 | 4.5 out of 5 |
| Wake County | 63 | 39 | 5 out of 5 |
| Warren County | 53 | 34 | 4.5 out of 5 |
| Washington County | 37 | 28 | 4.5 out of 5 |
| Watauga County | 50 | 31 | 4.5 out of 5 |
| Wayne County | 41 | 29 | 5 out of 5 |
| Wilkes County | 84 | 52 | 5 out of 5 |
| Wilson County | 40 | 25 | 5 out of 5 |
| Yadkin County | 79 | 49 | 5 out of 5 |
| Yancey County | 63 | 45 | 4.5 out of 5 |
What Medicare Star Ratings measure
CMS rates every Medicare Advantage contract from 1 to 5 stars each year. For 2027, the health plan (Part C) rating looks at five areas: staying healthy (screenings, tests and vaccines), managing chronic (long-term) conditions, members' experience with the plan, member complaints and changes in the plan's performance, and the plan's customer service. A plan with drug coverage is also rated on four drug plan (Part D) areas: customer service, member complaints and changes in performance, members' experience, and drug safety and accuracy of drug pricing.
The scores come from member surveys, information plans and providers report, and Medicare's own data such as complaints and appeals. The overall rating combines the health and drug plan measures; a plan without drug coverage has a Part C summary rating instead. Ratings are given per contract, so every plan under the same contract carries the same stars.
The 5-star Special Enrollment Period
Medicare's 5-star Special Enrollment Period lets you switch, once, to a plan with a 5-star overall rating that is offered where you live, outside the usual enrollment periods. For plans rated 5 stars for 2027, it runs from December 8, 2026 through November 30, 2027.
In North Carolina, 2 Medicare Advantage plans have a 5-star overall rating for 2027, so the 5-star Special Enrollment Period can apply here.
If you switch from a plan with drug coverage to a 5-star plan without it, you could lose your drug coverage, so check before you switch.
Every year, Medicare evaluates plans based on a 5-star rating system.
These ratings are CMS's, not ours, and we do not recommend plans. A rating does not tell you whether a plan covers your doctors and drugs or what it charges.
Source: CMS 2027 Star Ratings Data Tables (Summary Ratings), released October 8, 2026; plans offered: CMS CY2027 Medicare Advantage Landscape file.
More on Medicare Advantage in North Carolina
Watch
The Medicare Advantage changes for 2027 in North Carolina, in 29 seconds
Transcript. Good evening. Across the country Medicare Advantage Plans are changing or all together leaving some states in 2027. That's right, in North Carolina, 29 plans are leaving and 41 are changing. But there is some good news as 33 new plans are entering the market with a fresh set of benefits to choose from. The bottom line: take a few minutes to compare Medicare Advantage plans in your area and see if your plan is affected.
Recorded live session
Medicare Annual/Open Enrollment, live: questions on the 2027 changes in North Carolina
Medicare Annual/Open Enrollment 2027 live, day 7, evening: Medicare Advantage changes by state. Recorded live Oct. 21, 2026, 6:59 p.m. ET; the recording plays here. Program-level information only; no plan is recommended.
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