Medicare plans by county · CY2026
45 Medicare Plans in Whatcom, Washington
Contract year 2026 · CMS Medicare Landscape Files
45 Medicare plans are available in Whatcom for 2026
Base monthly premiums range from $0.00 to $99.00. 22 plans have a $0.00 base premium.
Average CMS star rating: 3.7 stars (40 of 45 plans rated).
Premiums shown are the plan's base premium — your actual cost includes the Part B premium and may vary by income. To compare plans with your specific drugs and providers and to enroll, use the official Medicare Plan Finder: medicare.gov/plan-compare . Free help: 1-800-MEDICARE or your state's SHIP.
SNP (25 plans)
| Plan | Type | Organization | Base Premium/mo | Overall Stars |
|---|---|---|---|---|
| Wellcare Dual Liberty Sync (HMO-POS D-SNP) H0029_007 | HMO-POS D-SNP | Wellcare Centene Corporation | $10.50 | — |
| Wellcare Dual Access (HMO-POS D-SNP) H0029_008 | HMO-POS D-SNP | Wellcare Centene Corporation | $7.60 | — |
| Wellcare Dual Reserve (HMO-POS D-SNP) H0029_010 | HMO-POS D-SNP | Wellcare Centene Corporation | $6.20 | — |
| UHC Care Advantage WA-E001 (PPO I-SNP) H0710_030 | PPO I-SNP | UnitedHealthcare UnitedHealth Group, Inc. | $10.50 | 4.5 ★ |
| UHC Nursing Home Plan WA-F001 (PPO I-SNP) H0710_031 | PPO I-SNP | UnitedHealthcare UnitedHealth Group, Inc. | $10.50 | 4.5 ★ |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) H1036_306 | HMO C-SNP | Humana Humana Inc. | $0.00 | 4.5 ★ |
| Humana Gold Plus SNP-DE H1036-324 (HMO D-SNP) H1036_324 | HMO D-SNP | Humana Humana Inc. | $0.00 | 4.5 ★ |
| Humana Gold Plus SNP-DE H1036-326 (HMO D-SNP) H1036_326 | HMO D-SNP | Humana Humana Inc. | $0.00 | 4.5 ★ |
| UHC Dual Complete WA-S5 (PPO D-SNP) H2001_051 | PPO D-SNP | UnitedHealthcare UnitedHealth Group, Inc. | $9.40 | 4.5 ★ |
| UHC Dual Complete WA-Q1 (PPO D-SNP) H2001_079 | PPO D-SNP | UnitedHealthcare UnitedHealth Group, Inc. | $0.00 | 4.5 ★ |
| UHC Dual Complete WA-V2 (PPO D-SNP) H2001_080 | PPO D-SNP | UnitedHealthcare UnitedHealth Group, Inc. | $10.50 | 4.5 ★ |
| UHC Complete Care WA-13 (HMO-POS C-SNP) H3805_043 | HMO-POS C-SNP | UnitedHealthcare UnitedHealth Group, Inc. | $0.00 | 3.5 ★ |
| UHC Dual Complete WA-S6 (HMO-POS D-SNP) H5008_002 | HMO-POS D-SNP | UnitedHealthcare UnitedHealth Group, Inc. | $10.50 | 3.5 ★ |
| UHC Dual Complete WA-V001 (HMO-POS D-SNP) H5008_015 | HMO-POS D-SNP | UnitedHealthcare UnitedHealth Group, Inc. | $10.00 | 3.5 ★ |
| UHC Dual Complete WA-Q2 (HMO-POS D-SNP) H5008_019 | HMO-POS D-SNP | UnitedHealthcare UnitedHealth Group, Inc. | $0.00 | 3.5 ★ |
| Humana Together in Health (PPO I-SNP) H5216_402 | PPO I-SNP | Humana Humana Inc. | $0.70 | 3.5 ★ |
| Humana Dual Select H5619-165 (HMO D-SNP) H5619_165 | HMO D-SNP | Humana Humana Inc. | $8.00 | 3 ★ |
| Humana Gold Plus SNP-DE H5619-166 (HMO D-SNP) H5619_166 | HMO D-SNP | Humana Humana Inc. | $0.00 | 3 ★ |
| Humana Gold Plus SNP-DE H5619-167 (HMO D-SNP) H5619_167 | HMO D-SNP | Humana Humana Inc. | $0.00 | 3 ★ |
| Molina Medicare Complete Care Select (HMO D-SNP) H5823_010 | HMO D-SNP | Molina Healthcare of Washington, Inc. Molina Healthcare, Inc. | $0.00 | 3 ★ |
| Molina Medicare Complete Care (HMO D-SNP) H5823_013 | HMO D-SNP | Molina Healthcare of Washington, Inc. Molina Healthcare, Inc. | $0.00 | 3 ★ |
| Community Health Plan of WA Dual Complete (HMO D-SNP) H5826_014 | HMO D-SNP | Community Health Plan of WA Medicare Advantage Community Health Plan of Washington | $10.50 | 3 ★ |
| Community Health Plan of WA Dual Select (HMO D-SNP) H5826_017 | HMO D-SNP | Community Health Plan of WA Medicare Advantage Community Health Plan of Washington | $10.50 | 3 ★ |
| Wellcare Dual Liberty Sync Open (PPO D-SNP) H5965_004 | PPO D-SNP | Wellcare Centene Corporation | $10.50 | 2.5 ★ |
| Wellcare Dual Access Open (PPO D-SNP) H5965_006 | PPO D-SNP | Wellcare Centene Corporation | $10.50 | 2.5 ★ |
MA-PD (14 plans)
| Plan | Type | Organization | Base Premium/mo | Overall Stars |
|---|---|---|---|---|
| Wellcare Giveback (HMO-POS) H0029_009 | HMO-POS | Wellcare Centene Corporation | $0.00 | — |
| Wellcare Simple (HMO-POS) H0029_011 | HMO-POS | Wellcare Centene Corporation | $0.00 | — |
| AARP Medicare Advantage from UHC WA-0003 (PPO) H1278_030 | PPO | UnitedHealthcare UnitedHealth Group, Inc. | $42.00 | 3.5 ★ |
| AARP Medicare Advantage from UHC WA-12 (PPO) H2001_087 | PPO | UnitedHealthcare UnitedHealth Group, Inc. | $0.00 | 4.5 ★ |
| AARP Medicare Advantage from UHC WA-16 (PPO) H2001_136 | PPO | UnitedHealthcare UnitedHealth Group, Inc. | $56.00 | 4.5 ★ |
| AARP Medicare Advantage from UHC WA-0005 (HMO-POS) H3805_015 | HMO-POS | UnitedHealthcare UnitedHealth Group, Inc. | $38.00 | 3.5 ★ |
| AARP Medicare Advantage Essentials from UHC WA-6 (HMO-POS) H3805_017 | HMO-POS | UnitedHealthcare UnitedHealth Group, Inc. | $0.00 | 3.5 ★ |
| AARP Medicare Advantage from UHC WA-0010 (HMO-POS) H3805_037 | HMO-POS | UnitedHealthcare UnitedHealth Group, Inc. | $79.00 | 3.5 ★ |
| AARP Medicare Advantage Extras from UHC WA-14 (HMO-POS) H3805_044 | HMO-POS | UnitedHealthcare UnitedHealth Group, Inc. | $0.00 | 3.5 ★ |
| Kaiser Permanente Medicare Advantage Harbor (HMO) H5050_017 | HMO | Kaiser Permanente Kaiser Foundation Health Plan, Inc. | $74.00 | 4 ★ |
| Kaiser Permanente Medicare Advantage Anchor (HMO) H5050_023 | HMO | Kaiser Permanente Kaiser Foundation Health Plan, Inc. | $0.00 | 4 ★ |
| HumanaChoice H5216-048 (PPO) H5216_048 | PPO | Humana Humana Inc. | $87.00 | 3.5 ★ |
| Humana Gold Plus H5619-133 (HMO) H5619_133 | HMO | Humana Humana Inc. | $0.00 | 3 ★ |
| HumanaChoice H7617-016 (PPO) H7617_016 | PPO | Humana Humana Inc. | $87.00 | 4.5 ★ |
MA (6 plans)
| Plan | Type | Organization | Base Premium/mo | Overall Stars |
|---|---|---|---|---|
| AARP Medicare Advantage Patriot No Rx WA-MA01 (PPO) H1278_031 | PPO | UnitedHealthcare UnitedHealth Group, Inc. | $0.00 | 3.5 ★ |
| Kaiser Permanente Medicare Advantage Basic (HMO) H5050_001 | HMO | Kaiser Permanente Kaiser Foundation Health Plan, Inc. | $99.00 | 4 ★ |
| Humana USAA Honor Giveback (PPO) H5216_427 | PPO | Humana Humana Inc. | $0.00 | 3.5 ★ |
| Humana USAA Honor Giveback (PPO) H5216_455 | PPO | Humana Humana Inc. | $0.00 | 3.5 ★ |
| Wellcare Patriot Giveback Open (PPO) H5965_003 | PPO | Wellcare Centene Corporation | $0.00 | 2.5 ★ |
| Humana USAA Honor Giveback (PPO) H7617_021 | PPO | Humana Humana Inc. | $0.00 | 4.5 ★ |
What these figures mean
Base premium: The amount shown is the plan's monthly base premium. Most Medicare enrollees also pay the standard Medicare Part B premium (generally deducted from your Social Security benefit). Higher-income enrollees pay an additional Income-Related Monthly Adjustment Amount (IRMAA). Low-income enrollees may qualify for the Extra Help (LIS) program, which can reduce or eliminate plan premiums and cost-sharing. A $0.00 plan premium does not mean $0 total monthly cost.
CMS star rating: CMS rates Medicare Advantage and Part D plans on a 1–5 star scale based on quality measures including preventive care, managing chronic conditions, member experience, and drug plan performance. A higher rating is generally better, but the best plan for you also depends on your specific prescriptions, preferred doctors and hospitals, and total cost-sharing. Star ratings reflect the contract's performance across its full service area — not Whatcom specifically.
MOOP (Maximum Out-of-Pocket): For MA plans, the Maximum Out-of-Pocket limit caps your annual in-network cost-sharing. Not shown in the table above; visible at medicare.gov/plan-compare for each specific plan.
How to compare these plans
Compare plans on the figures shown — base premium, plan type, organization, and CMS star rating. These are sourced from the CMS CY2026 Medicare Landscape Files (RECORDED figures). Atlas Commons does not rank a "best" plan — the right choice depends on your specific doctors, prescriptions, and budget. Use medicare.gov/plan-compare to enter your specific drugs and providers for a complete comparison.
Frequently asked questions
How many Medicare plans are available in Whatcom, Washington?
For contract year 2026, the CMS Medicare Landscape Files record 45 Medicare Advantage and Part D plans available in Whatcom, Washington. This count covers all contract types: SNP (25), MA-PD (14), MA (6).
What do Medicare plans cost in Whatcom, Washington?
Base monthly premiums for plans in Whatcom range from $0.00 to $99.00 — 22 plans have a $0.00 base premium. These are the plan's base premium only. Your actual monthly cost also includes the Medicare Part B premium (most people pay $174.70/mo in 2026, deducted from Social Security), and may include income-related adjustments (IRMAA) or Low Income Subsidy credits. A $0.00 plan premium does not mean $0 total cost.
How are Medicare plans in Whatcom, Washington rated?
CMS has assigned Overall star ratings (1–5 stars) to 40 of 45 plans in Whatcom. The unweighted average overall star rating is 3.7 stars. Star ratings are CMS's quality score — a higher rating generally reflects better performance across quality measures, but the best plan for you depends on your specific prescriptions, preferred providers, and budget. 5 plans in this county do not have an overall CMS rating (typically PDP-only or newly contracted plans).
How do I enroll in a Medicare plan in Whatcom, Washington?
Use the official Medicare Plan Finder at medicare.gov/plan-compare. Enter your ZIP code to see plans with exact premiums, copays, drug coverage, and provider networks — customized to your situation and drugs. Enrollment periods apply (Annual Enrollment: Oct 15–Dec 7; Special Enrollment Periods for qualifying events). This page shows which plans exist and their base premiums; to enroll, use Medicare's official tool.
Where can I get free, unbiased help choosing a Medicare plan?
Contact your State Health Insurance Assistance Program (SHIP) — a free, unbiased Medicare counseling service available in every state. Call 1-800-MEDICARE (1-800-633-4227), available 24 hours a day, 7 days a week. SHIP counselors help you compare plans, understand costs, and make enrollment decisions at no cost.
What to do next
- Compare and enroll: medicare.gov/plan-compare — the official Medicare Plan Finder. Enter your ZIP code, drugs, and providers to compare all plans with exact costs and coverage.
- Free unbiased help: Contact your State Health Insurance Assistance Program (SHIP) — free Medicare counseling in every state — or call 1-800-MEDICARE (1-800-633-4227), 24/7.
- Official source: CMS Medicare Landscape Files — the source of this data.
RECORDED premiums · DETERMINATION star ratings · AGGREGATED plan count. Plan list for Whatcom, Washington, CY2026. Data generated June 24, 2026.
Machine-readable: JSON-LD · Markdown · Source: CMS Medicare Landscape Files