Best Medicare Advantage Plans in Connecticut (2027)

Aetna Medicare is the best Medicare Advantage company in Connecticut, with a median 4-star rating from the Centers for Medicare & Medicaid Services (CMS), seven plans and coverage in all eight counties. CMS star ratings grade plans from 1 to 5 on care quality and member experience.

Higher quality barely raises costs here. Humana matches Aetna’s median 4-star rating at a $7,150 median max annual cost exposure, which is a year of premiums plus the most you’d pay for in-network care. Aetna’s figure is $72 higher. UnitedHealthcare costs least at $6,925, though saving $225 means dropping to 3.5 stars.

Humana sells in only five counties. Outside them, Aetna is the only rated carrier with 4-star plans.

Connecticut’s 2027 Medicare Advantage market gives most residents a wide choice, since the median county has 20 of the state’s 26 plans. Medicare Advantage is private coverage that replaces Original Medicare, the federal Part A hospital and Part B medical program, and usually includes drug coverage.

Most plans (73%) charge no monthly premium, yet half cap yearly in-network costs at $7,150 or more. A Connecticut Medicare Supplement plan, which pays costs Original Medicare leaves behind, is the alternative if that exposure worries you.

Six carriers sell plans here. We rated five because Devoted Health lacks CMS star ratings and member satisfaction data.

The out-of-pocket limit says more about a Connecticut Medicare Advantage plan’s yearly cost than its monthly premium does. Plans vary by county, and coverage options, quality ratings and annual out-of-pocket costs differ more than the mostly $0 premiums suggest.

Most Connecticut Medicare Advantage plans charge a $0 monthly premium, so your real cost depends on hospital stays and specialist visits. PPO plans, which cover out-of-network doctors at a higher price, make up 17 of the state’s 26 plans.

PPOs match HMO-POS plans, HMOs with limited out-of-network coverage, on premium and on the $7,150 median out-of-pocket limit. PPOs charge less per hospital day ($456 compared with $495) and per specialist visit ($40 compared with $50). At the median, a PPO’s wider network adds nothing to your premium or in-network copays.

Connecticut’s only HMO, from Anthem, covers in-network care except in emergencies and has a $9,850 limit.

*Median cost figures across all 26 non-SNP Connecticut MA plans, grouped by plan type. All dollar figures are rounded to the nearest dollar. Source: CMS 2027 data, MoneyGeek analysis.

Use these Connecticut and federal resources to compare Medicare Advantage plans, check coverage details and get enrollment help.

• CT CHOICES: Connecticut’s free Medicare counseling program. Trained advisors help you compare plans, check costs and understand enrollment windows at no charge.
• Connecticut Insurance Department: Regulates insurance carriers in Connecticut, processes consumer complaints and lets you check whether an insurer is licensed to sell in the state.
• Medicare Plan Finder: The official CMS tool for comparing Medicare Advantage plans in your Connecticut county by premium, estimated costs, benefits and star rating.
• Social Security Administration: Processes Medicare enrollment. Apply online or find a local office if you’re enrolling in Medicare for the first time or updating your coverage.
• Connecticut Aging and Disability Services: Connects Connecticut seniors with local Medicare benefits counseling through the state’s network of area agencies.

Connecticut has eight counties. For the 2027 plan year, carrier ratings are based on five CMS data sources: the Medicare Plan Landscape File, Plan Benefit Package files, CMS star ratings, the CAHPS Report Card Master Table and the Contract/Plan Enrollment file.

The analysis covers 26 plans from six carriers across nine CMS contracts. Special Needs Plans (SNPs), which serve people with specific conditions or dual Medicare and Medicaid eligibility, are excluded.

To receive a score, a carrier needed to offer plans in at least three Connecticut counties and have complete data across all three scoring categories. One carrier, Devoted Health, is not included in the ratings on this page because no CMS star rating or CAHPS data is available for its Connecticut contract.

How We Score Carriers

Carriers that meet the eligibility threshold receive an overall MoneyGeek score out of five, from a weighted average of three categories:

• Affordability (40%): Maximum annual cost exposure, which adds annual premiums to the maximum out-of-pocket limit, along with inpatient hospital, specialist and primary care costs.
• Quality and Member Experience (40%): CMS star ratings determine 60% of this category and CAHPS Rating of Health Plan scores determine the remaining 40%. Both are measured at the contract level.
• Benefits and Access (20%): Supplemental benefits, including dental, OTC, vision and hearing, determine 50% of this category. County coverage accounts for 30% and plan choice per county accounts for the remaining 20%.