Best Medicare Advantage Plans in Arizona (2027)

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Updated: October 28, 2026

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Best Medicare Advantage Companies in Arizona

Alignment Health Plan is the best Medicare Advantage provider in Arizona for 2027, with a 4.0-star median CMS rating and $2,999 in median maximum annual cost exposure. Its four plans are available in just three counties. SCAN Health Plan ranks second and has the lowest median cost exposure at $2,500, though its three plans are also limited to three counties.

Humana has the broadest geographic availability, serving all 15 Arizona counties with 19 plans and a 4.0-star median CMS rating. Devoted Health has the largest selection with 21 plans across 10 counties, while Wellpoint has a lower median cost exposure of $3,200 but serves only four counties. Comparing plan types, provider networks and out-of-pocket costs is important because availability and coverage vary by insurer.

Alignment Health Plan
4.4
$2,999

4.0

3
4
SCAN Health Plan
4.3
$2,500
3.5
3
3
Devoted Health
4.1
$6,100

4.0

10
21
Humana
4.1
$5,950

4.0

15
19
Wellpoint
4.1
$3,200
3.5
4
4
Blue Cross Blue Shield of Arizona

4.0

$3,550
3.5
3
5
Aetna Medicare

4.0

$5,700

4.0

3
6
healthInsurance icon
MEDICARE ADVANTAGE PLANS EXPLAINED

Medicare Advantage plans are sold by private insurers as a complete alternative to Original Medicare. Many Medicare Advantage plans include dental, vision and hearing benefits that Original Medicare doesn't cover. Most plans also bundle Medicare Part D prescription drug coverage, which reduces what you pay for medications out-of-pocket.

Arizona Medicare Advantage Market Overview

Arizona's Medicare Advantage market has plenty of choices for 2027, but the best plan depends on where you live and how much medical care you expect to use. With nearly all plans charging $0 monthly premiums, comparing deductibles, copays and maximum out-of-pocket limits is especially important. Provider networks and supplemental benefits also vary widely between plans, while CMS quality ratings can help you identify differences in care quality and member experience.

Non-SNP Medicare Advantage plans
89
There are many plans available statewide, but your options depend on where you live.
Carriers
13
Insurers compete on provider networks, medical costs and supplemental benefits.
CMS contracts
26
Several carriers operate with multiple contracts in the state, so quality ratings and plan options can vary even among the same carrier.
Median plans per county
15
Most counties have a wide selection of plan options.
Plans with a $0 premium
96%
Nearly all plans have no monthly premium, so out-of-pocket costs are more helpful comparison factors.
Median max out-of-pocket (MOOP)
$5,500
Half of plans have annual in-network spending limits above this amount, half below.
MOOP range
$1,899–$9,800
Spending limits differ by up to $7,901, a wide difference in potential medical costs.
Average CMS star rating
3.84 out of 5
Average plan quality is close to the 4-star benchmark, but individual plan ratings vary.
Contracts rated 4+ stars
46%
More than half of rated contracts fall below the 4-star quality benchmark.
Alignment Health Plan

Alignment Health Plan

MoneyGeek Rating
4.4/ 5
4.8/5Affordability
4.2/5Quality & Member Experience
3.9/5Benefits & Availability

  • Median Max Annual Cost Exposure

    $2,999

  • Median CMS Star Rating

    4.0

  • Counties Served

    3

  • Plans Available

    4
SCAN Health Plan

SCAN Health Plan

MoneyGeek Rating
4.3/ 5
4.3/5Affordability
3.9/5Quality & Member Experience
3.9/5Benefits & Availability

  • Median Max Annual Cost Exposure

    $2,500

  • Median CMS Star Rating

    3.5

  • Counties Served

    3

  • Plans Available

    3
Devoted Health

Devoted Health

MoneyGeek Rating
4.1/ 5
3.7/5Affordability
4.2/5Quality & Member Experience
4.5/5Benefits & Availability

  • Median Max Annual Cost Exposure

    $6,100

  • Median CMS Star Rating

    4.0

  • Counties Served

    10

  • Plans Available

    21
Humana

Humana

MoneyGeek Rating
4.1/ 5
3.8/5Affordability
4.2/5Quality & Member Experience
4.4/5Benefits & Availability

  • Median Max Annual Cost Exposure

    $5,950

  • Median CMS Star Rating

    4.0

  • Counties Served

    15

  • Plans Available

    19
Wellpoint

Wellpoint

MoneyGeek Rating
4.1/ 5
4.5/5Affordability
3.8/5Quality & Member Experience
4/5Benefits & Availability

  • Median Max Annual Cost Exposure

    $3,200

  • Median CMS Star Rating

    3.5

  • Counties Served

    4

  • Plans Available

    4
Blue Cross Blue Shield

Blue Cross Blue Shield

MoneyGeek Rating
4/ 5
4.4/5Affordability
3.8/5Quality & Member Experience
3.8/5Benefits & Availability

  • Median Max Annual Cost Exposure

    $3,550

  • Median CMS Star Rating

    3.5

  • Counties Served

    3

  • Plans Available

    5
Aetna Medicare

Aetna Medicare

MoneyGeek Rating
4/ 5
3.9/5Affordability
4.1/5Quality & Member Experience
4.2/5Benefits & Availability

  • Median Max Annual Cost Exposure

    $5,700

  • Median CMS Star Rating

    4.0

  • Counties Served

    3

  • Plans Available

    6

How to Find the Best Arizona Medicare Advantage Plans

The best Medicare Advantage plan in Arizona for 2027 depends on your preferred doctors, prescription medications, expected medical costs and coverage needs.

  1. 1
    Check Your Doctor and Hospital Network

    Confirm that your doctors, specialists and preferred hospitals participate in the plan's network. You can review plan options through Medicare's Plan Finder and check provider directories directly with insurers.

    Arizona has HMO, HMO-POS, PPO and Regional PPO plans. HMOs require in-network care except for emergencies, while PPOs allow out-of-network visits at higher costs. HMO-POS plans offer some out-of-network flexibility, depending on the service.

  2. 2
    Compare Maximum Out-of-Pocket Costs

    Nearly all Arizona Medicare Advantage plans have $0 monthly premiums for 2027, so maximum out-of-pocket (MOOP) limits are a more important cost consideration. The statewide median is $5,500, but individual plan limits range from $1,899 to $9,800.

    A lower MOOP reduces your maximum exposure to covered medical costs if you need extensive care.

  3. 3
    Review Prescription Drug Coverage

    Check each plan's formulary to confirm your prescriptions are covered and review their assigned drug tiers. Higher-tier medications can have larger copays or coinsurance, and some drugs require prior authorization or have quantity limits.

    Many Arizona Medicare Advantage plans include Part D prescription drug coverage. Enter your medications and preferred pharmacies in Medicare's Plan Finder to compare estimated annual drug costs, rather than looking at monthly premiums alone.

  4. 4
    Evaluate Additional Benefits

    Most Arizona Medicare Advantage plans include supplemental benefits for 2027. 84% include dental coverage, while 97% include vision and hearing benefits. Coverage amounts and eligible services still vary widely by plan.

    Compare annual dental benefit maximums, eyewear allowances and hearing aid benefits before choosing a plan.

  5. 5
    Consider CMS Star Ratings

    The Centers for Medicare & Medicaid Services (CMS) rates Medicare Advantage contracts on a five-star scale based on measures of care quality, member experience and plan performance. For 2027, 46% of Arizona's rated contracts earned 4 stars or higher.

    Use CMS ratings alongside costs and provider networks when comparing plans. Higher ratings indicate better performance on measured quality standards, but they don't guarantee lower costs or fewer coverage disputes.

How Much Does Medicare Advantage Cost in Arizona?

Arizona Medicare Advantage plans have a median monthly premium of $0 for HMO, HMO-POS and PPO plans in 2027, while Regional PPO plans have a $39 median premium. HMO-POS plans have the lowest median maximum out-of-pocket (MOOP) limit at $3,900, followed by HMOs at $4,000. PPOs and Regional PPOs have higher median MOOP limits of $6,100 and $6,575.

Median primary care copays are $15 across all plan types, while specialist copays range from $30 for HMO and HMO-POS plans to $40 for PPOs and Regional PPOs. Median daily inpatient copays range from $295 to $450.

HMO
$0
$4,000
$325
$15
$30
HMO-POS
$0
$3,900
$295
$15
$30
PPO
$0
$6,100
$450
$15
$40
Regional PPO
$39
$6,575
$432
$15
$40

Arizona Medicare Advantage Resources

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Frequently Asked Questions

Our Methodology

MoneyGeek evaluated Arizona Medicare Advantage companies using five CMS data sources for the 2027 plan year, including the Medicare Plan Landscape File, Plan Benefit Package files, CMS Star Ratings, the CAHPS Report Card Master Table and the Contract/Plan Enrollment file.

How We Score Carriers

Each carrier in the state receives an overall MoneyGeek score out of five from a weighted average of three category scores:

  • Affordability (40%): Maximum annual cost exposure, calculated as annual premiums plus the maximum out-of-pocket limit, along with inpatient hospital, specialist and primary care costs.
  • Quality and Member Experience (40%): CMS Star Ratings make up 60% of this category and CAHPS C26 member ratings make up 40%. Both are measured at the contract level.
  • Benefits and Access (20%): Supplemental benefits, including dental, OTC, vision and hearing, make up 50% of this category. County coverage makes up 30% and plan choice per county makes up 20%.

About Patrick Bryant

Patrick Bryant, Vertical Lead, Life & Health Insurance, MoneyGeek

Patrick Bryant is Vertical Lead for Life and Health Insurance at MoneyGeek, where he researches and writes about life and health insurance products and maintains the scoring methodologies that underpin MoneyGeek's provider comparisons in both verticals. His scoring methodologies for both verticals are reviewed and updated quarterly to reflect current carrier data and market conditions.

Life Insurance

For life insurance, Bryant analyzed more than 50 carriers across term, whole life, universal life, indexed universal life, guaranteed acceptance, no-exam, and final expense products in all 50 states, collecting thousands of quotes across age, gender, health status, coverage level, and tobacco use profiles. He has produced articles covering life insurance reviews, best of guides, rate analysis guides and informational resources to help consumers better understand policy options, pricing factors, underwriting requirements, and how to choose coverage that fits their financial goals.

Health Insurance

For health insurance, he reviews providers across all 50 states using CMS exchange data, Quality Rating System ratings, and claim denial rates covering individual and family plans, Medicare Advantage, and Medicare Supplement plans. He has analyzed plan costs, benefits, network strength, and out-of-pocket exposure across a wide range of consumer profiles, producing in-depth reviews, best-of rankings, and educational guides to help individuals and families compare options and choose coverage that aligns with their healthcare needs and budget.

Before specializing in insurance, Bryant spent four years at Forbes Advisor reviewing small business software and services. During that time, he developed the product review and data methodology skills he now applies to carrier analysis at MoneyGeek. Earlier roles at ClickGiant and Benefitfocus involved direct content work for insurance agents, carriers and employee benefits partners including Allstate and Aflac.

Education

  • M.A., English, Winthrop University
  • B.A., English, Winthrop University

Expertise

Life Insurance, Health Insurance, Medicare Advantage, Medicare Supplement

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