Best* Medicare Advantage Plans in Raleigh (Wake County) for 2027
Longevity Health Plan, UnitedHealthcare and Humana have 2027 plans in Wake County 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 Wake County (2027 CMS Star Ratings)
In the 2027 CMS Star Ratings, 8 Medicare Advantage plans in Wake County share the highest rating among plans open to everyone with Medicare, 4.5 out of 5 stars: Alignment Health Platinum 010 (HMO) (Alignment Health Plan); Alignment Health Smart 006 (HMO) (Alignment Health Plan); Blue Medicare PPO Enhanced (PPO) (Blue Cross and Blue Shield of North Carolina); Humana Gold Plus Giveback H1036-318 (HMO-POS) (Humana); Humana Gold Plus Giveback H1036-343 (HMO-POS) (Humana); Humana Gold Plus H1036-137 (HMO-POS) (Humana); and 2 more. Another 12 are rated 4 stars, listed next as also highly rated. Special needs plans, which only people who qualify can join, are listed separately: 15 are rated 4 stars or higher.
Of the 63 Medicare Advantage plans offered in Wake County for 2027, 2 are rated 5 stars, 18 are rated 4.5 stars and 19 are rated 4 stars in the 2027 CMS Star Ratings. 3 plans have no 2027 star score: CMS lists 3 “Not enough data available”.
Wake County includes Raleigh, Cary, Apex, Wake Forest, Holly Springs, Fuquay-Varina, Garner and Morrisville. Plans are approved for the whole county, so the same plans are offered in each of them.
*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 Wake County (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 | |||
| Alignment Health Platinum 010 (HMO) | Alignment Health Plan | HMO | 4.5 out of 5 |
| Alignment Health Smart 006 (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 |
| 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 |
| Also highly rated: rated 4 stars | |||
| AARP Medicare Advantage from UHC NC-0007 (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-15 (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 Signature (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 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 |
| HumanaChoice Giveback H5525-035 (PPO) | Humana | PPO | 4 out of 5 |
| HumanaChoice H5216-211 (PPO) | Humana | PPO | 4 out of 5 |
| HumanaChoice H5525-070 (PPO) | Humana | PPO | 4 out of 5 |
| Special needs plans rated 4 stars or higher (only for people who qualify) | |||
| 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 |
| 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 |
| Humana Gold Plus SNP-DE H1036-167 (HMO D-SNP) | Humana | HMO D-SNP | 4.5 out of 5 |
| Humana Gold Plus SNP-DE H1036-331 (HMO D-SNP) | Humana | HMO D-SNP | 4.5 out of 5 |
| Humana Dual Select H5525-072 (PPO D-SNP) | Humana | PPO D-SNP | 4 out of 5 |
| HumanaChoice SNP-DE H5525-036 (PPO D-SNP) | Humana | PPO D-SNP | 4 out of 5 |
| UHC Complete Care NC-28 (HMO-POS C-SNP) | UnitedHealthcare | HMO-POS C-SNP | 4 out of 5 |
| UHC Dual Advantage NC-V1 (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP | 4 out of 5 |
| UHC Dual Complete NC-Q2 (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP | 4 out of 5 |
| UHC Dual Complete NC-S3 (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP | 4 out of 5 |
| Other plans offered | |||
| Aetna Medicare Eagle (PPO) | Aetna (CVS Health) | PPO | 4.5 out of 5 (health plan rating) |
| Blue Medicare Freedom+ (PPO) | Blue Cross and Blue Shield of North Carolina | PPO | 4.5 out of 5 (health plan rating) |
| Blue Medicare Medical Only (HMO-POS) | Blue Cross and Blue Shield of North Carolina | HMO-POS | 4.5 out of 5 (health plan rating) |
| Humana USAA Honor Giveback (PPO) | Humana | PPO | 4 out of 5 (health plan rating) |
| AARP Medicare Advantage Patriot No Rx NC-MA02 (HMO-POS) | UnitedHealthcare | HMO-POS | 3.5 out of 5 (health plan rating) |
| Aetna Medicare Full Dual (HMO D-SNP) | Aetna (CVS Health) | HMO D-SNP | 3.5 out of 5 |
| Aetna Medicare Full Dual Care (HMO D-SNP) | Aetna (CVS Health) | HMO D-SNP | 3.5 out of 5 |
| Aetna Medicare Signature (HMO) | Aetna (CVS Health) | HMO | 3.5 out of 5 |
| Aetna Medicare Value Plus (HMO) | Aetna (CVS Health) | HMO | 3.5 out of 5 |
| Humana Full Access (Regional PPO) | Humana | PPO | 3.5 out of 5 |
| Humana USAA Honor Giveback (Regional PPO) | Humana | PPO | 3.5 out of 5 (health plan rating) |
| HumanaChoice R0110-004 (Regional PPO) | Humana | PPO | 3.5 out of 5 (health plan rating) |
| Liberty Medicare Advantage (HMO C-SNP) | Liberty Medicare Advantage | HMO C-SNP | 3.5 out of 5 |
| Liberty Medicare Advantage Nursing Home Plan (HMO I-SNP) | Liberty Medicare Advantage | HMO I-SNP | 3.5 out of 5 |
| Liberty Medicare Dual Plan (HMO D-SNP) | Liberty Medicare Advantage | HMO D-SNP | 3.5 out of 5 |
| UHC Dual Complete NC-Q1 (PPO D-SNP) | UnitedHealthcare | PPO D-SNP | 3.5 out of 5 |
| UHC Dual Complete NC-S2 (PPO D-SNP) | UnitedHealthcare | PPO D-SNP | 3.5 out of 5 |
| Wellcare Carolina Complete Dual Liberty (HMO-POS D-SNP) | Centene (WellCare) | HMO-POS D-SNP | 3.5 out of 5 |
| Wellcare Carolina Complete Dual Reserve (HMO-POS D-SNP) | Centene (WellCare) | HMO-POS D-SNP | 3.5 out of 5 |
| Wellcare Simple (HMO-POS) | Centene (WellCare) | HMO-POS | 3.5 out of 5 |
| Healthy Blue + Medicare (HMO-POS D-SNP) | Blue Cross and Blue Shield of North Carolina | HMO-POS D-SNP | 3 out of 5 |
| Wellcare Assist Open (PPO) | Centene (WellCare) | PPO | 3 out of 5 |
| Wellcare Carolina Complete Dual Liberty Open (PPO D-SNP) | Centene (WellCare) | PPO D-SNP | 3 out of 5 |
| Wellcare Patriot Giveback Open (PPO) | Centene (WellCare) | PPO | 3 out of 5 (health plan rating) |
| Wellcare Simple Open (PPO) | Centene (WellCare) | PPO | 3 out of 5 |
| Alignment Health AVA 001 (PPO) | Alignment Health Plan | PPO | Not enough data available |
| PruittHealth Premier (HMO I-SNP) | PruittHealth Premier | HMO I-SNP | Not enough data available |
| PruittHealth Premier (HMO I-SNP) | PruittHealth Premier | HMO I-SNP | Not enough data available |
A plan without Part D drug coverage has no overall rating; its Part C summary rating (health plan rating) is shown instead, as CMS does.
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 Wake County 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.
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 Wake County, 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.
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