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HENDERSON COUNTY · NORTH CAROLINA · 2027
Henderson County Medicare Advantage Plans — 2027 Data Report
Real numbers. Real Henderson County context.
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01 · New to Medicare
I’m turning 65 soon and haven’t enrolled yet
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02 · Already Enrolled
I’m on Medicare and want to compare 2027 plans
→ AEP review: which plans keep your doctors
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• Robert Simm · Licensed in NC, TX, GA · NPN #10447418
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The direct answer
Direct answer — Henderson County, NC · 2027
According to Robert Simm, a licensed broker at GenerationHealth, 44 Medicare Advantage plans are open to Henderson County residents with Part A and Part B for 2027. 34 of them have a $0 monthly plan premium, 34 are rated 4 stars or higher, and the lowest in-network out-of-pocket maximum is $3,400, against Medicare’s $9,850 cap. Check your doctors and hospital in each plan’s network before you choose. Robert Simm, licensed NC health insurance broker, NPN #10447418, at (828) 761-3326.
2027 Medicare Advantage at a glance
Medicare Advantage plans in Hendersonville, NC for 2027
GenerationHealth’s 2027 Henderson County data shows 44 Medicare Advantage plans open to anyone with Part A and Part B in Hendersonville and the rest of Henderson County. 34 have a $0 monthly plan premium, 34 are rated 4 stars or higher by Medicare, and the lowest out-of-pocket maximum is $3,400.
44Medicare Advantage plans
34with a $0 monthly premium
34rated 4 stars or higher
Not counted above: 33 Special Needs Plans for people with Medicaid or certain chronic conditions. 1 plan is too new to have a star rating.
Out-of-pocket maximums by plan type
The out-of-pocket maximum is the most you pay for covered in-network care in a year. Medicare caps it at $9,850 for 2027. Across Henderson County the average plan sets it at $7,858.
| Plan type | Plans | Average maximum | Lowest available |
|---|---|---|---|
| HMO | 8 | $6,244 | $3,400 |
| HMO-POS | 14 | $7,518 | $3,900 |
| PPO | 21 | $8,605 | $3,900 |
| Private Fee-for-Service | 1 | $9,850 | $9,850 |
PPO figures are the in-network maximum. In- and out-of-network costs combined are capped at up to $14,800.
Which plans give you the most flexibility?
PPO — most flexible (21 plans). See doctors and hospitals outside the network at a higher cost, usually without a referral. Good if you travel, split time between homes, or want to keep a specialist who is not in every network.
HMO-POS — some flexibility (14 plans). Built around a network, but covers some services out of network, usually at a higher cost. Referrals are often still required.
HMO — least flexible, often lowest costs (8 plans). Covers care inside the network only, except emergencies and urgent care, and usually needs referrals. In Henderson County, HMOs have the lowest average out-of-pocket maximum of any plan type ($6,244).
Does the plan include UNC Health Pardee?
UNC Health Pardee runs hospitals in Henderson County, including UNC Health Pardee. Each health system contracts plan by plan, so two plans from the same insurance company can treat the same hospital differently. Check the exact plan before you enroll, and check again every fall because networks change for January 1.
Source: GenerationHealth analysis of CMS 2027 Medicare Advantage plan data for Henderson County (premiums, star ratings and out-of-pocket maximums), updated 2026-10-12. Counts exclude Special Needs Plans unless noted. Plans and networks vary by ZIP code; confirm details with the plan, Plan Match, or Medicare.gov.
Who to Call in Henderson County
The Part Medicare.gov Can’t Answer
I call the billing office. Medicare.gov lists which plans a hospital accepts — it can’t tell you whether your specific cardiologist is taking new patients on that plan in January.
Phone · (828) 761-3326
NPN · #10447418
Licensed · NC, TX, GA · AHIP certified
Verify · NAIC SBS lookup
Cost · $0 — carriers pay the commission
Office · 2731 Meridian Pkwy, Durham NC 27713
Local hospital network
Which UNC Health Pardee facilities serve Henderson County?
UNC Health Pardee is the health system on record for Henderson County, and 1 facility in the county carry its name — which does not mean they all sit on the same plan contracts.
01
UNC Health Pardee
Also serving Henderson County
01
AdventHealth Hendersonville
02
Mission Hospital
Service lines in Henderson County
Cancer Care (Pardee Cancer Center)
Heart Care (Pardee Heart & Vascular Center)
Emergency Services
Orthopedics
Maternity Care
Heart Care (Pardee Heart & Vascular Center)
Emergency Services
Orthopedics
Maternity Care
The numbers
What does the data actually show for this Medicare question?
2027 Medicare numbers
What are the 2027 Medicare numbers for Henderson County residents?
$202.90
Part B premium per month
2026 standard rate (CMS has not published 2027 yet). Higher with IRMAA based on income.
$283
Part B annual deductible
2026 figure. You pay this before Medicare covers 80% of outpatient care.
$9,850
MA in-network out-of-pocket max
2027 cap on in-network Medicare Advantage spending.
$2,400
Part D out-of-pocket cap
2027 cap on prescription costs — but tier placement still matters.
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Free, private, results in 3 minutes
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5 mistakes Henderson County residents make
Avoid these before you enroll.
Three are specific to Henderson County. Two apply to every NC resident. All five are fixable — if you catch them before enrollment.
Last reviewed: 2026-10-12 · Robert Simm, Licensed NC Medicare Broker, NPN #10447418
Mistake 01 Henderson-specific
Picking a Medicare Advantage plan that drops UNC Health Pardee mid-year.
Why it hurtsMA carrier contracts with UNC Health Pardee can change inside a plan year. Henderson County residents have lost in-network access to specialists they relied on, with no prorated premium refund.
What to doBefore enrolling, confirm contract dates with the carrier directly. PPOs and Medigap plans both reduce this risk.
Mistake 02 Henderson-specific
Assuming Medigap won’t cover UNC Health Pardee.
Why it hurtsMedigap plans are not networks. As long as the doctor accepts Original Medicare, they accept Medigap. Some Henderson residents pay $150+ per month extra on an HMO they didn’t need.
What to doIf keeping UNC Health Pardee access matters, Medigap Plan G or Plan N gives you the broadest stable access. No referrals, no network worries.
Mistake 03 Henderson-specific
Attending hotel-ballroom Medicare seminars instead of meeting a Henderson-based broker.
Why it hurtsMulti-county seminars are licensed agent recruiting funnels — the follow-up agent is paid more for certain carriers, so you leave with the plan that pays them best, not the plan that fits Henderson County.
What to doMeet a Henderson County–based broker in person, or have them come to your home. One-on-one always beats ballroom.
Mistake 04 NC-wide
Missing the Part B late enrollment penalty if you’re working past 65.
Why it hurtsIf you don’t sign up for Part B during your Initial Enrollment Period and don’t have qualifying employer coverage, you owe a 10% penalty for every 12 months you delayed — for the rest of your life. A 3-year delay = 30% higher Part B premium forever.
What to doIf you’re working past 65, get a Certification of Creditable Coverage from HR before you stop work. That document protects you from the penalty.
Mistake 05 NC-wide
Missing your 6-month Medigap open enrollment window.
Why it hurtsYou have one 6-month window after you turn 65 and enroll in Part B to buy any Medigap plan with no medical underwriting. Miss it and NC insurers can deny you coverage — or charge dramatically more — if you develop a health condition. This is the single most expensive mistake I prevent.
What to doUnderstand your window the day you turn 65. Even if you pick MA now, know the Medigap door closes 6 months later. Call me before that window closes.
The difference
What’s the difference between doing it alone and working with an independent NC broker?
| What you need | Doing it alone | Robert Simm — NC #10447418 |
|---|---|---|
| Plans you can compare | Whatever Medicare.gov lists, no NC context | Every major NC carrier, filtered to your situation |
| Henderson County network knowledge | Generic federal directories, often 6 months stale | Direct contract verification with each carrier |
| 2027 numbers applied to your budget | Generic rules — no IRMAA math, no spousal coordination | Run with your real income and household |
| Part D formulary check | Manual entry per drug, per plan | I pre-check every prescription on every eligible plan |
| Same person next year | Different agent every call | Same broker, same answer, every AEP |
| Cost | $0 (just your time and risk) | $0 — paid by carrier |
⚠ Penalty & Deadline Warning
If you delay Medicare Part B without creditable employer coverage, you’ll pay a 10% lifetime penalty for every 12 months you delayed — added to your Part B premium for the rest of your life. The 2026 standard Part B premium is $202.90/month, so a 24-month delay raises it to roughly $243/month, permanently. Your Initial Enrollment Period is a 7-month window: 3 months before your 65th birthday month, the birthday month itself, and 3 months after.
💡 Broker Tip · Provider Verification
Before you enroll in any Medicare Advantage plan, give me the names of every doctor you see — primary care, cardiologist, oncologist, endocrinologist — and I’ll call each one’s billing office directly to verify they accept the plan. Provider directories on Medicare.gov run 4–6 months stale, and “in-network” on the directory doesn’t always mean the provider is accepting new patients on that plan.
Common questions
Frequently asked questions
How many Medicare Advantage plans are available in Hendersonville, NC for 2027?
Henderson County has 44 Medicare Advantage plans for 2027 that anyone with Medicare Part A and Part B can join. 34 of them have a $0 monthly plan premium and 34 are rated 4 stars or higher. There are also 33 Special Needs Plans for people who have Medicaid or certain chronic conditions.
What Medicare Advantage plans in Hendersonville, NC have the lowest out-of-pocket expenses?
The lowest in-network out-of-pocket maximum on a 2027 plan in Henderson County is $3,400, and the average across all 44 plans is $7,858. By plan type: HMO plans start at $3,400 (average $6,244); HMO-POS plans start at $3,900 (average $7,518); PPO plans start at $3,900 (average $8,605). Medicare caps the in-network maximum at $9,850 for 2027. A low maximum protects you in a bad year; your copays decide what a normal year costs.
Which Medicare Advantage plans in Hendersonville, NC are priced well?
34 of the 44 plans in Henderson County have a $0 monthly plan premium for 2027. You still pay your Part B premium. A $0 premium is not automatically the cheapest choice: compare the out-of-pocket maximum (as low as $3,400 here) and the copays for the doctors and drugs you actually use.
Which Medicare Advantage options in Hendersonville, NC have good flexibility?
21 PPO plans let you see doctors outside the network at a higher cost, usually without referrals. In-network costs are capped at your plan’s maximum; in- and out-of-network costs combined are capped at up to $14,800. 14 HMO-POS plans use a network but cover some services out of network. 8 HMO plans cover care inside the network only, except emergencies and urgent care, and usually need referrals for specialists.
What Medicare Advantage plans in Hendersonville, NC are rated the best?
34 of the 44 plans in Henderson County carry a 2027 Medicare star rating of 4 stars or higher, and 1 plan is too new to be rated. Star ratings measure quality and member experience across the whole plan, not whether your doctors are in network, so check the network first.
Which Medicare Advantage plans in Hendersonville, NC include UNC Health Pardee?
UNC Health Pardee runs hospitals in Henderson County, and each health system contracts plan by plan, so two plans from the same insurance company can treat the same hospital differently. Check the specific plan before you enroll. With an HMO, non-emergency hospital care is covered in network only; an HMO-POS or PPO can also cover an out-of-network hospital, at a higher cost.
When can I change my Medicare Advantage plan in Hendersonville, NC?
During Medicare’s Annual Enrollment Period, October 15 to December 7, 2026, for coverage starting January 1, 2027. If you are already in a Medicare Advantage plan, you get one more change from January 1 to March 31, 2027. Turning 65, moving, or losing other coverage can open a Special Enrollment Period.
Does this answer change if I live in Henderson County specifically?
Yes — carrier networks, Medigap rates, and Medicare Advantage plan availability all vary by zip code. The figures and plan recommendations on this page are calibrated to Henderson County, NC.
How do I verify any Medicare agent is licensed in NC?
Go to sbs.naic.org/solar-external-lookup, select North Carolina, and search by name. Robert Simm’s NC license number is #10447418.
Is there a fee to talk to a Medicare broker?
No. Brokers are paid by the insurance carrier when you enroll, and the commission is identical whether you enroll directly, through Medicare.gov, or through a broker.
It pays to talk to the right broker
Does it matter which Medicare carrier you choose?
It doesn’t — because I get paid by the insurance carrier to manage your plan. Most call centers get paid more to steer your business toward certain carriers based on volume and contracts. The only thing I’m optimizing for is making sure you’re covered correctly when you actually need it. That’s what keeps people coming back. And referring their neighbors.
Nearby counties
Medicare Advantage in the counties next to Henderson
Moving, or splitting time between two counties? Plans are approved county by county, so compare the county you will actually live in.
- Medicare Advantage plans in Buncombe County — 44 plans, 34 at $0, lowest out-of-pocket max $3,400
- Medicare Advantage plans in Transylvania County — 40 plans, 32 at $0, lowest out-of-pocket max $3,400
- Medicare Advantage plans in Polk County — 35 plans, 29 at $0, lowest out-of-pocket max $3,900
- Medicare Advantage plans in Rutherford County — 35 plans, 27 at $0, lowest out-of-pocket max $3,900
- Medicare Advantage plans in Haywood County — 40 plans, 32 at $0, lowest out-of-pocket max $3,900
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Compliance disclaimer: We do not offer every plan available in your area. Please contact Medicare.gov or 1-800-MEDICARE (1-800-633-4227) for information on all of your options. GenerationHealth.me and Robert Simm are independent agents not affiliated with or endorsed by the U.S. government or the federal Medicare program. This is a solicitation of insurance. A licensed agent may contact you. Information on this page is for educational purposes only and should not be considered legal or financial advice. Plan availability, premiums, and benefits vary by location and carrier.