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NORTH CAROLINA · 2027
NC Medicare Advantage County Lookup 2027
Real numbers. Real North Carolina context.
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The direct answer
Direct answer — North Carolina · 2027
According to Robert Simm, a licensed broker at GenerationHealth, every one of North Carolina’s 100 counties has 2027 Medicare Advantage plans, from 11 plans open to everyone in Carteret County to 57 in Davidson and Guilford counties. Every county has at least one $0-premium plan, and every plan caps in-network out-of-pocket costs at no more than $9,850 in 2027. Enter your ZIP code below to see the numbers for your county.
County lookup
What Medicare Advantage plans are in my North Carolina county for 2027?
Type your 5-digit ZIP code, or pick your county from the list.
or
All 100 counties
How do 2027 Medicare Advantage plans compare across North Carolina counties?
| County | Plans open to everyone | $0 premium | Average premium | In-network out-of-pocket max | Average stars | Insurers | Full report |
|---|---|---|---|---|---|---|---|
| Alamance | 53 | 43 | $9.72 | $3,900–$9,850 | 3.9 | 8 | Alamance report |
| Alexander | 48 | 41 | $8.61 | $3,900–$9,850 | 3.9 | 9 | Alexander report |
| Alleghany | 38 | 32 | $7.36 | $3,900–$9,850 | 3.8 | 8 | Alleghany report |
| Anson | 47 | 40 | $8.26 | $3,900–$9,850 | 3.9 | 9 | Anson report |
| Ashe | 34 | 27 | $9.75 | $3,900–$9,850 | 4.0 | 6 | Ashe report |
| Avery | 43 | 32 | $12.48 | $3,400–$9,850 | 4.0 | 7 | Avery report |
| Beaufort | 23 | 17 | $16.71 | $3,900–$9,850 | 4.1 | 4 | Beaufort report |
| Bertie | 20 | 15 | $14.42 | $3,900–$9,850 | 4.1 | 4 | Bertie report |
| Bladen | 39 | 30 | $14.60 | $3,900–$9,850 | 3.9 | 8 | Bladen report |
| Brunswick | 38 | 29 | $14.80 | $3,900–$9,850 | 4.1 | 6 | Brunswick report |
| Buncombe | 44 | 34 | $10.70 | $3,400–$9,850 | 4.0 | 8 | Buncombe report |
| Burke | 39 | 33 | $9.39 | $3,900–$9,850 | 3.9 | 7 | Burke report |
| Cabarrus | 43 | 35 | $11.01 | $3,500–$9,850 | 3.9 | 9 | Cabarrus report |
| Caldwell | 42 | 35 | $10.01 | $3,900–$9,850 | 4.0 | 7 | Caldwell report |
| Camden | 21 | 15 | $15.25 | $3,900–$9,850 | 4.0 | 4 | Camden report |
| Carteret | 11 | 8 | $22.00 | $3,900–$9,850 | 4.0 | 3 | Carteret report |
| Caswell | 46 | 36 | $11.81 | $3,900–$9,850 | 3.9 | 7 | Caswell report |
| Catawba | 49 | 40 | $9.70 | $3,900–$9,850 | 3.9 | 8 | Catawba report |
| Chatham | 38 | 29 | $12.19 | $3,400–$9,850 | 3.9 | 8 | Chatham report |
| Cherokee | 28 | 22 | $12.80 | $3,900–$9,850 | 4.0 | 5 | Cherokee report |
| Chowan | 23 | 16 | $16.36 | $3,900–$9,850 | 4.0 | 4 | Chowan report |
| Clay | 36 | 30 | $8.46 | $3,900–$9,850 | 4.0 | 6 | Clay report |
| Cleveland | 43 | 35 | $11.01 | $3,900–$9,850 | 3.9 | 7 | Cleveland report |
| Columbus | 40 | 30 | $15.01 | $3,900–$9,850 | 3.9 | 8 | Columbus report |
| Craven | 13 | 10 | $18.62 | $3,900–$9,850 | 4.0 | 3 | Craven report |
| Cumberland | 40 | 30 | $12.73 | $3,900–$9,850 | 4.0 | 6 | Cumberland report |
| Currituck | 27 | 19 | $15.60 | $3,900–$9,850 | 4.1 | 4 | Currituck report |
| Dare | 20 | 14 | $16.92 | $3,900–$9,850 | 4.0 | 4 | Dare report |
| Davidson | 57 | 45 | $10.15 | $3,400–$9,850 | 3.9 | 9 | Davidson report |
| Davie | 55 | 44 | $9.62 | $3,400–$9,850 | 3.9 | 9 | Davie report |
| Duplin | 30 | 23 | $13.84 | $3,900–$9,850 | 4.0 | 5 | Duplin report |
| Durham | 41 | 33 | $11.62 | $3,900–$9,850 | 3.8 | 8 | Durham report |
| Edgecombe | 26 | 18 | $18.51 | $3,900–$9,850 | 4.1 | 4 | Edgecombe report |
| Forsyth | 56 | 45 | $9.45 | $3,400–$9,850 | 3.9 | 9 | Forsyth report |
| Franklin | 33 | 25 | $15.40 | $3,900–$9,850 | 3.9 | 6 | Franklin report |
| Gaston | 47 | 38 | $10.11 | $3,500–$9,850 | 3.9 | 9 | Gaston report |
| Gates | 27 | 18 | $17.46 | $3,900–$9,850 | 4.1 | 4 | Gates report |
| Graham | 35 | 28 | $10.82 | $3,900–$9,850 | 3.9 | 6 | Graham report |
| Granville | 32 | 24 | $14.20 | $3,900–$9,850 | 3.9 | 6 | Granville report |
| Greene | 29 | 21 | $14.63 | $3,900–$9,850 | 3.9 | 5 | Greene report |
| Guilford | 57 | 46 | $9.39 | $3,400–$9,850 | 3.9 | 9 | Guilford report |
| Halifax | 28 | 20 | $17.19 | $3,900–$9,850 | 4.1 | 4 | Halifax report |
| Harnett | 35 | 26 | $13.55 | $3,900–$9,850 | 3.9 | 6 | Harnett report |
| Haywood | 40 | 32 | $10.19 | $3,900–$9,850 | 4.0 | 7 | Haywood report |
| Henderson | 44 | 34 | $11.13 | $3,400–$9,850 | 4.0 | 8 | Henderson report |
| Hertford | 26 | 19 | $15.97 | $3,900–$9,850 | 4.1 | 4 | Hertford report |
| Hoke | 36 | 26 | $13.84 | $3,900–$9,850 | 4.0 | 6 | Hoke report |
| Hyde | 25 | 19 | $12.05 | $3,900–$9,850 | 4.1 | 4 | Hyde report |
| Iredell | 50 | 42 | $8.65 | $3,900–$9,850 | 3.9 | 9 | Iredell report |
| Jackson | 37 | 30 | $10.04 | $3,900–$9,850 | 3.9 | 7 | Jackson report |
| Johnston | 36 | 26 | $13.79 | $3,400–$9,850 | 3.9 | 6 | Johnston report |
| Jones | 27 | 19 | $15.86 | $3,900–$9,850 | 3.9 | 5 | Jones report |
| Lee | 31 | 21 | $18.49 | $3,900–$9,850 | 4.0 | 6 | Lee report |
| Lenoir | 24 | 17 | $17.30 | $3,900–$9,850 | 4.1 | 4 | Lenoir report |
| Lincoln | 48 | 40 | $9.86 | $3,900–$9,850 | 3.9 | 8 | Lincoln report |
| Macon | 30 | 23 | $12.39 | $3,900–$9,850 | 3.9 | 6 | Macon report |
| Madison | 42 | 32 | $12.01 | $3,400–$9,850 | 4.0 | 7 | Madison report |
| Martin | 32 | 23 | $15.45 | $3,900–$9,850 | 4.0 | 5 | Martin report |
| McDowell | 44 | 35 | $10.49 | $3,400–$9,850 | 4.0 | 8 | McDowell report |
| Mecklenburg | 50 | 41 | $9.51 | $3,500–$9,850 | 3.9 | 9 | Mecklenburg report |
| Mitchell | 38 | 30 | $11.80 | $3,400–$9,850 | 3.9 | 8 | Mitchell report |
| Montgomery | 39 | 29 | $12.75 | $3,900–$9,850 | 3.9 | 8 | Montgomery report |
| Moore | 39 | 28 | $14.49 | $3,900–$9,850 | 3.9 | 6 | Moore report |
| Nash | 23 | 17 | $18.10 | $3,900–$9,850 | 4.0 | 5 | Nash report |
| New Hanover | 37 | 29 | $13.63 | $3,900–$9,850 | 4.1 | 6 | New Hanover report |
| Northampton | 24 | 16 | $17.85 | $3,900–$9,850 | 4.0 | 4 | Northampton report |
| Onslow | 14 | 10 | $19.50 | $3,900–$9,850 | 4.0 | 3 | Onslow report |
| Orange | 48 | 37 | $11.92 | $3,400–$9,850 | 3.8 | 9 | Orange report |
| Pamlico | 26 | 19 | $13.78 | $3,900–$9,850 | 4.1 | 4 | Pamlico report |
| Pasquotank | 25 | 19 | $12.05 | $3,900–$9,850 | 4.1 | 4 | Pasquotank report |
| Pender | 38 | 28 | $15.80 | $3,900–$9,850 | 4.1 | 6 | Pender report |
| Perquimans | 24 | 19 | $10.39 | $3,900–$9,850 | 4.1 | 4 | Perquimans report |
| Person | 46 | 37 | $10.46 | $3,900–$9,850 | 3.9 | 8 | Person report |
| Pitt | 21 | 14 | $20.44 | $3,900–$9,850 | 4.0 | 4 | Pitt report |
| Polk | 35 | 29 | $10.32 | $3,900–$9,850 | 3.9 | 7 | Polk report |
| Randolph | 54 | 44 | $9.54 | $3,900–$9,850 | 3.9 | 8 | Randolph report |
| Richmond | 36 | 27 | $13.40 | $3,900–$9,850 | 3.9 | 7 | Richmond report |
| Robeson | 32 | 24 | $13.73 | $3,900–$9,850 | 3.9 | 6 | Robeson report |
| Rockingham | 53 | 43 | $9.72 | $3,900–$9,850 | 3.9 | 8 | Rockingham report |
| Rowan | 51 | 42 | $9.99 | $3,500–$9,850 | 3.9 | 9 | Rowan report |
| Rutherford | 35 | 27 | $12.82 | $3,900–$9,850 | 4.0 | 5 | Rutherford report |
| Sampson | 30 | 23 | $13.38 | $3,900–$9,850 | 3.9 | 6 | Sampson report |
| Scotland | 32 | 22 | $16.38 | $3,900–$9,850 | 3.9 | 7 | Scotland report |
| Stanly | 39 | 30 | $12.73 | $3,900–$9,850 | 4.0 | 6 | Stanly report |
| Stokes | 51 | 41 | $10.10 | $3,900–$9,850 | 3.9 | 8 | Stokes report |
| Surry | 31 | 23 | $14.95 | $3,900–$9,850 | 4.1 | 6 | Surry report |
| Swain | 35 | 27 | $12.82 | $3,900–$9,850 | 3.9 | 7 | Swain report |
| Transylvania | 40 | 32 | $9.87 | $3,400–$9,850 | 4.0 | 8 | Transylvania report |
| Tyrrell | 28 | 22 | $10.76 | $3,900–$9,850 | 4.0 | 5 | Tyrrell report |
| Union | 47 | 39 | $9.92 | $3,900–$9,850 | 3.9 | 8 | Union report |
| Vance | 32 | 23 | $16.29 | $3,900–$9,850 | 3.9 | 6 | Vance report |
| Wake | 35 | 28 | $12.32 | $3,400–$9,850 | 4.0 | 6 | Wake report |
| Warren | 33 | 23 | $15.77 | $3,900–$9,850 | 4.0 | 5 | Warren report |
| Washington | 23 | 16 | $16.14 | $3,900–$9,850 | 4.0 | 4 | Washington report |
| Watauga | 30 | 23 | $14.05 | $3,900–$9,850 | 3.9 | 5 | Watauga report |
| Wayne | 22 | 16 | $18.92 | $3,900–$9,850 | 4.0 | 4 | Wayne report |
| Wilkes | 48 | 38 | $9.63 | $3,400–$9,850 | 3.9 | 9 | Wilkes report |
| Wilson | 20 | 14 | $20.82 | $3,900–$9,850 | 3.9 | 5 | Wilson report |
| Yadkin | 49 | 40 | $9.52 | $3,900–$9,850 | 3.9 | 8 | Yadkin report |
| Yancey | 38 | 29 | $12.75 | $3,900–$9,850 | 3.9 | 7 | Yancey report |
What these numbers mean. “Plans open to everyone” counts 2027 Medicare Advantage plans anyone with Medicare Parts A and B in the county can join; it leaves out Special Needs Plans. Average premium includes the $0-premium plans. The out-of-pocket maximum is the most a plan can charge for covered in-network care in a year. Star ratings are Medicare’s 1-to-5 quality ratings. Source: CMS 2027 Medicare Advantage plan data compiled by GenerationHealth, October 2026, published under CC BY 4.0.
2027 Medicare numbers
What are the 2027 Medicare numbers for North Carolina 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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Common questions
Frequently asked questions
How many Medicare Advantage plans are available in my North Carolina county for 2027?
It depends on the county: from 11 plans open to everyone in Carteret County to 57 in Davidson and Guilford counties. Enter your ZIP code in the lookup above to see your county’s count, or call Rob Simm at (828) 761-3326.
Is there a $0-premium Medicare Advantage plan in every North Carolina county?
Yes. All 100 North Carolina counties have at least one 2027 Medicare Advantage plan with a $0 monthly plan premium. You still pay your Part B premium ($202.90 a month in 2026; CMS has not yet published the 2027 amount).
What is the most I can pay out of pocket on a Medicare Advantage plan in 2027?
Federal rules cap in-network out-of-pocket spending at $9,850 for 2027. Many North Carolina plans set a lower limit; the lowest in the state is $3,400. Out-of-network costs on PPO plans have a separate, higher limit.
What are Special Needs Plans, and why are they counted separately?
Special Needs Plans (SNPs) are Medicare Advantage plans only for people who qualify: those with both Medicare and Medicaid (D-SNP), certain chronic conditions (C-SNP), or who live in a nursing home (I-SNP). Most people cannot join them, so this lookup counts them separately from the plans open to everyone.
Where do these numbers come from?
From CMS 2027 Medicare Advantage plan data, compiled by GenerationHealth in October 2026. The figures are published under a CC BY 4.0 license, so they can be reused with credit to GenerationHealth.
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.
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.