Filters & priorities
Drugs & Pharmacy (estimated 2027 drug costs)
Score (0-100, transparent): weighted average of three sub-scores using the sliders, each compared only among plans that pass your filters. Cost = 40% net premium (premium − Part B giveback) + 40% MOOP + 20% PCP+specialist copay, each min-max scaled (lowest = 100); missing copays are left out and that plan's cost weight is re-spread. Stars = overall 2027 rating ÷ 5 × 100. Extras = known annual dollar value of dental + eyewear + hearing aid allowance + OTC + Part B giveback, scaled to the richest plan (unknown = $0, flagged). Ties broken by Iowa enrollment.
Sources: CMS CY2027 MA Landscape (Sep 2026), 2027 Star Ratings (Oct 8 2026), CY2027 PBP benefits, CMS Oct 2026 enrollment by contract/plan/county (<11 suppressed), Census 2020 ZCTA-county crosswalk. Non-SNP MA and MA-PD plans only (SNPs and Cost plans excluded). "see SB" = not in CMS data, check the plan's Summary of Benefits. Hearing value = per-ear allowance as filed. Always confirm with the plan's SB/EOC before enrolling. Data built .
Drug costs (estimate): 2027 Part D rules: plan deductible (max $700) on the tiers it applies to, then the plan's tier copay/coinsurance for a 30-day retail fill (preferred vs standard pharmacy from the CMS network file; out-of-network pharmacy = standard cost shown with a warning), $35/month insulin cap, and $0 after $2,400 out-of-pocket (catastrophic). 12 monthly fills, no Extra Help. Drugs not on a plan's formulary are shown at full price and do not count toward the $2,400 cap. PA = prior authorization, ST = step therapy, QL = quantity limit. Sources: basic drugs formulary file 20261031.txt (CY2027 monthly PUF, Oct 2026); pricing file PPUF_2026Q3.txt (CY2026 Q3 quarterly PUF = latest pricing; CY2027 pricing not yet published) + CMS 2027 Maximum Fair Prices; CY2027 pharmacy network file (Oct 2026), names: NPPES NPI Registry. Prices are CMS average plan unit costs (latest published quarter) with 2027 negotiated Maximum Fair Prices applied for selected drugs; Medicare.gov uses the plans' current 2027 pharmacy prices, so expect ±10-15%. Always verify on Medicare.gov Plan Finder before enrolling.
Sources: CMS CY2027 MA Landscape (Sep 2026), 2027 Star Ratings (Oct 8 2026), CY2027 PBP benefits, CMS Oct 2026 enrollment by contract/plan/county (<11 suppressed), Census 2020 ZCTA-county crosswalk. Non-SNP MA and MA-PD plans only (SNPs and Cost plans excluded). "see SB" = not in CMS data, check the plan's Summary of Benefits. Hearing value = per-ear allowance as filed. Always confirm with the plan's SB/EOC before enrolling. Data built .
Drug costs (estimate): 2027 Part D rules: plan deductible (max $700) on the tiers it applies to, then the plan's tier copay/coinsurance for a 30-day retail fill (preferred vs standard pharmacy from the CMS network file; out-of-network pharmacy = standard cost shown with a warning), $35/month insulin cap, and $0 after $2,400 out-of-pocket (catastrophic). 12 monthly fills, no Extra Help. Drugs not on a plan's formulary are shown at full price and do not count toward the $2,400 cap. PA = prior authorization, ST = step therapy, QL = quantity limit. Sources: basic drugs formulary file 20261031.txt (CY2027 monthly PUF, Oct 2026); pricing file PPUF_2026Q3.txt (CY2026 Q3 quarterly PUF = latest pricing; CY2027 pricing not yet published) + CMS 2027 Maximum Fair Prices; CY2027 pharmacy network file (Oct 2026), names: NPPES NPI Registry. Prices are CMS average plan unit costs (latest published quarter) with 2027 negotiated Maximum Fair Prices applied for selected drugs; Medicare.gov uses the plans' current 2027 pharmacy prices, so expect ±10-15%. Always verify on Medicare.gov Plan Finder before enrolling.