Medicare in Caldwell at a Glance
The Census Bureau's 2023 American Community Survey counts 63,465 Caldwell residents. 6,425 of them, about 10.1%, are 65 or older, a smaller share than Canyon County's 14.4%. Caldwell's median age is 30.8, younger than the county, and its median household income of $66,663 is below the county figure. More Caldwell residents also go without health insurance. That mix shapes what we look at first: help paying for coverage, and plans for people who have Medicaid as well as Medicare.
| Measure | Caldwell | Canyon County |
|---|---|---|
| Total population | 63,465 | 242,405 |
| Residents aged 65 and over | 6,425 (10.1%) | 14.4% |
| Median age | 30.8 | 34.8 |
| Median household income | $66,663 | $72,355 |
| Residents with no health insurance | 13.3% | 11.7% |
| County for Medicare plan purposes | Canyon County | |
Source: U.S. Census Bureau, ACS 2023 5-year Data Profile DP05, Caldwell city, Idaho, DP03 for Caldwell and the same profiles for Canyon County, accessed October 30, 2026.
Caldwell's Health Profile
The CDC's PLACES estimates put Caldwell above the Canyon County figures for diabetes and obesity, and well above it for working-age adults without health insurance. When diabetes is part of your life, the drug list, the cost of supplies and the specialist network move to the front of the comparison.
| Measure (adults) | Caldwell | Canyon County |
|---|---|---|
| Diagnosed diabetes | 11.6% | 11.2% |
| Obesity | 36.9% | 35.3% |
| High blood pressure | 30% | 30.9% |
| Arthritis | 23.6% | 25.1% |
| No health insurance, ages 18 to 64 | 17.5% | 13.6% |
Source: CDC PLACES place data, Caldwell and CDC PLACES county data, 2023 release, crude prevalence among adults, accessed October 30, 2026.
Plans for Caldwell Residents With Medicare and Medicaid
If you qualify for both Medicare and Idaho Medicaid, a Dual Eligible Special Needs Plan (D-SNP) is built around that pairing. Canyon County has 4 of them for 2027. These are the most enrolled today.
| Plan | CMS 2027 rating | How it works with Medicaid | Members |
|---|---|---|---|
| Molina Medicare Complete Care (HMO D-SNP) Molina Healthcare of Utah & Idaho | 3.0 of 5 | Fully Integrated (FIDE), $0 Medicare cost sharing | 1,440 |
| UHC Dual Complete ID-Y1 (HMO-POS D-SNP) UnitedHealthcare | Not rated | Fully Integrated (FIDE), $0 Medicare cost sharing | 1,086 |
| UHC Dual Complete ID-QV1 (HMO-POS D-SNP) UnitedHealthcare | Not rated | Coordination Only (CO) | 399 |
Source: CMS CY2027 Landscape file (202610) for the plans, ratings and integration status, and CMS monthly enrollment, October 2026 for members, accessed October 30, 2026. Popularity is not a recommendation.
Not on Medicaid but money is tight? Ask us about Extra Help with drug costs and the Medicare Savings Programs. We check whether you may qualify as part of the comparison, and 8 of the 19 Canyon County Medicare Advantage plans include drug coverage at a $0 Part C premium for 2027 (CMS CY2027 Landscape).
Caldwell Medicare Advantage by the Numbers, 2027
Medicare Advantage plans are sold county by county, so Caldwell residents choose from the Canyon County lineup. For 2027 CMS lists 19 Medicare Advantage plans in Canyon County, not counting Special Needs Plans, from 5 carriers: Humana, Blue Cross of Idaho, UnitedHealthcare, PacificSource Medicare, St. Luke's Health Plan.
| Measure | Canyon County, 2027 |
|---|---|
| Plans available | 19 |
| Plans at a $0 Part C premium | 13 of 19 |
| Average Part C premium | $8.26 per month |
| Plans that include drug coverage | 13 of 19 |
| In-network out-of-pocket maximum, lowest to highest | $3,000 to $9,150 per year |
| Plans rated 4 stars or higher by CMS | 63% |
| Medicare Advantage members today (same plan IDs, October 2026) | 15,703 |
Source: CMS CY2027 Medicare Advantage and Part D Landscape file (202610) and CMS Monthly Enrollment by Contract, Plan, State and County, October 2026, accessed October 30, 2026. The $0 and average premium figures use the Part C premium; enrollment skips rows CMS suppresses for privacy, so it is a floor.
Most enrolled plans in Canyon County
| Plan | Type | CMS 2027 rating | Members |
|---|---|---|---|
| True Blue Rx 33 (HMO) Blue Cross of Idaho | HMO | 3.0 of 5 | 4,002 |
| AARP Medicare Advantage from UHC ID-0001 (PPO) UnitedHealthcare | PPO | 4.0 of 5 | 3,619 |
| AARP Medicare Advantage from UHC ID-0003 (PPO) UnitedHealthcare | PPO | 4.0 of 5 | 3,527 |
| Humana Value Choice (PPO) Humana | PPO | 4.5 of 5 | 1,148 |
| Humana Value Choice (PPO) Humana | PPO | 4.0 of 5 | 708 |
Source: CMS monthly enrollment, October 2026, matched to the same plan IDs in the CY2027 Landscape file. Popularity is not a recommendation.
Every 2027 Medicare Advantage Plan Available in Caldwell
PPO plans (9)
A PPO lets you see providers outside the network, at a higher share of the cost, and does not normally require referrals. That flexibility matters most when your doctors are split across different health systems, or when you spend part of the year somewhere else.
| Plan | CMS rating | Part C premium | Out-of-pocket max | Part D deductible | CMS plan ID |
|---|---|---|---|---|---|
| Secure Blue Courage (PPO) Blue Cross of Idaho | Not rated Not rated by CMS | $0 | $5,200 | No drug coverage | H1302_004 |
| AARP Medicare Advantage from UHC ID-0001 (PPO) UnitedHealthcare | 4.0 of 5 4 stars or higher | $0 | $6,700 | $685 | H2406_044 |
| AARP Medicare Advantage from UHC ID-0003 (PPO) UnitedHealthcare | 4.0 of 5 4 stars or higher | $0 | $7,150 | $685 | H2406_065 |
| HumanaChoice H5216-048 (PPO) Humana | 4.0 of 5 4 stars or higher | $0 | $7,000 | $700 | H5216_048 |
| Humana Value Choice (PPO) Humana | 4.0 of 5 4 stars or higher | $0 | $7,000 | $700 | H5216_132 |
| Humana USAA Honor Giveback (PPO) Humana | 4.0 of 5 4 stars or higher | $0 | $9,150 | No drug coverage | H5216_427 |
| Humana USAA Honor Giveback (PPO) Humana | 4.0 of 5 4 stars or higher | $0 | $5,100 | No drug coverage | H5216_455 |
| Humana Full Access (PPO) Humana | 4.5 of 5 4 stars or higher | $0 | $5,900 | $700 | H7617_028 |
| Humana Value Choice (PPO) Humana | 4.5 of 5 4 stars or higher | $0 | $7,150 | $700 | H7617_031 |
Source: CMS CY2027 Landscape file (202610), accessed October 30, 2026.
HMO plans (6)
An HMO keeps your care inside one network and usually asks you to pick a primary care doctor who coordinates referrals. Premiums and copays tend to be the lowest of the plan types, and the trade is that out-of-network care generally is not covered except in an emergency.
| Plan | CMS rating | Part C premium | Out-of-pocket max | Part D deductible | CMS plan ID |
|---|---|---|---|---|---|
| Humana Gold Plus H2486-005 (HMO) Humana | 4.0 of 5 4 stars or higher | $0 | $6,520 | $300 | H2486_005 |
| Humana Total Complete (HMO) Humana | 4.0 of 5 4 stars or higher | $0 | $6,660 | $700 | H5619_177 |
| True Blue Rx 32PSP (HMO) Blue Cross of Idaho | 3.0 of 5 Below 3.5 stars | $0.10 | $5,900 | $205 | H1350_032 |
| St. Luke's Advantage Rx 01 (HMO) St. Luke's Health Plan | Not rated Not rated by CMS | $17 | $5,950 | $299 | H3012_001 |
| True Blue Valor (HMO) Blue Cross of Idaho | 3.0 of 5 Below 3.5 stars | $34 | $3,000 | No drug coverage | H1350_006 |
| True Blue Rx 33 (HMO) Blue Cross of Idaho | 3.0 of 5 Below 3.5 stars | $64 | $5,900 | $205 | H1350_033 |
Source: CMS CY2027 Landscape file (202610), accessed October 30, 2026.
HMO-POS plans (4)
HMO-POS is an HMO with a point-of-service option bolted on, so a defined set of services can be used out of network at a higher cost share. Which services qualify varies plan by plan, so it is worth reading that part of the benefit summary closely.
| Plan | CMS rating | Part C premium | Out-of-pocket max | Part D deductible | CMS plan ID |
|---|---|---|---|---|---|
| PacificSource Medicare Idaho Basic (HMO-POS) PacificSource Medicare | 3.0 of 5 Below 3.5 stars | $0 | $7,150 | No drug coverage | H3864_050 |
| AARP Medicare Advantage Patriot No Rx ID-MA01 (HMO-POS) UnitedHealthcare | 4.0 of 5 4 stars or higher | $0 | $6,700 | No drug coverage | H4604_019 |
| AARP Medicare Advantage from UHC ID-0005 (HMO-POS) UnitedHealthcare | 4.0 of 5 4 stars or higher | $1 | $6,300 | $685 | H4604_012 |
| PacificSource Medicare River Select Rx (HMO-POS) PacificSource Medicare | 3.0 of 5 Below 3.5 stars | $40.90 | $7,150 | $700 | H3864_049 |
Source: CMS CY2027 Landscape file (202610), accessed October 30, 2026.
How CMS rates these plans for 2027
| Rating | Plans | Share |
|---|---|---|
| 4.5 stars | 2 | 11% |
| 4.0 stars | 10 | 53% |
| 3.0 stars | 5 | 26% |
| Not rated by CMS | 2 | 11% |
Source: CMS CY2027 Landscape file (202610), which added the 2027 Star Ratings on October 18, 2026. A plan too new to rate is not the same as a low score.
Special Needs Plans for Caldwell Residents
Canyon County also has 8 Special Needs Plans for 2027. Medicare sets who qualifies, and we check eligibility against your records rather than assuming. The Chronic Condition plans here are built around cardiovascular disorders, chronic heart failure and diabetes.
| Type | Plans | Who it is for |
|---|---|---|
| Dual Eligible Special Needs Plans (D-SNP) | 4 | for people who qualify for both Medicare and Medicaid |
| Chronic Condition Special Needs Plans (C-SNP) | 3 | for people living with specific chronic conditions named by the plan |
| Institutional Special Needs Plans (I-SNP) | 1 | for people who live in a nursing home or need that level of care at home |
Source: CMS CY2027 Landscape file (202610), accessed October 30, 2026.
Standalone Part D Plans in Caldwell
If you keep Original Medicare, alone or with a Medigap policy, you add a standalone Part D plan. Idaho has 8 for 2027, all sold statewide. For 2027 the standard deductible is $700 and out-of-pocket spending on covered drugs is capped at $2,400 for the year, per the CMS CY2027 Rate Announcement.
| Plan | Benefit | Monthly premium | Deductible |
|---|---|---|---|
| Wellcare Classic (PDP) Wellcare | Basic | $7.30 | $700 |
| Humana Basic Rx Plan (PDP) Humana | Basic | $30.60 | $700 |
| AARP Medicare Rx Saver from UHC (PDP) UnitedHealthcare | Basic | $92.70 | $700 |
| HealthSpring Assurance Rx (PDP) HealthSpring | Basic | $94.80 | $700 |
| Wellcare Value Script (PDP) Wellcare | Enhanced | $5.30 | $700 |
| Humana Value Rx Plan (PDP) Humana | Enhanced | $34.70 | $687 |
| Humana Premier Rx Plan (PDP) Humana | Enhanced | $134 | $350 |
| AARP Medicare Rx Preferred from UHC (PDP) UnitedHealthcare | Enhanced | $238 | $300 |
Source: CMS CY2027 Landscape file (202610); deductible and cap from the CMS CY2027 Rate Announcement, accessed October 30, 2026. The premium is only part of the cost; your drug list decides the rest.
Want the whole county picture, including the health profile and Medigap basics? See our Canyon County Medicare guide.
Hospitals in and Near Caldwell
Caldwell has its own acute care hospital, West Valley Medical Center, and two more are in neighboring Nampa. Each health system contracts with plans separately, so the hospital you would use in an emergency or for surgery is one of the first things we check in a 2027 network.
| Hospital | City | Type | Emergency services | CMS overall rating |
|---|---|---|---|---|
| West Valley Medical Center | Caldwell | Acute care | Yes | 5 of 5 |
| St. Luke's Nampa Medical Center | Nampa | Acute care | Yes | 5 of 5 |
| Saint Alphonsus Medical Center, Nampa | Nampa | Acute care | Yes | 3 of 5 |
Source: CMS Care Compare, Hospital General Information (dataset updated July 22, 2026), accessed October 30, 2026. A hospital rating says nothing about whether a plan covers it; we check the network.
Choosing a Plan in Caldwell: What We Look At
CarrieAnne sorts every choice into six comparison areas. For Caldwell clients these three usually carry the most weight.
- What you can afford every month and in a bad year. 13 of the 19 plans have a $0 Part C premium, but out-of-pocket limits run from $3,000 to $9,150. We weigh both, and check for Extra Help or Medicaid savings you may already qualify for.
- Your prescriptions and diabetes supplies. With 13 plans that include drug coverage and 8 standalone Part D plans, the same drug can cost very different amounts. We price your actual list, pharmacy included.
- Where you get care. We check West Valley, your doctors in Caldwell and any specialists elsewhere in the Treasure Valley by name against the 2027 directory.
We meet Caldwell clients by Zoom or phone. Our Idaho City office is about 43 miles from Caldwell in a straight line (Census 2023 Gazetteer) and is open by appointment if you would rather meet in person. Watch the short video on our Medicare Resources page, start the plan review survey, then call or text 208-350-9933 and we will set a time.
In Caldwell? Let's compare your 2027 options
Bring your doctors, your prescriptions and your Medicaid card if you have one. We compare the plans we represent side by side over Zoom or the phone, with no pressure and no cost to you.
Call or text 208-350-9933 Send us a messageFrequently Asked Questions
How many Medicare Advantage plans are available in Caldwell for 2027?
19, not counting Special Needs Plans. Caldwell is in Canyon County, and CMS lists 19 Medicare Advantage plans there for 2027 from 5 carriers, 13 of them at a $0 Part C premium, plus 8 Special Needs Plans and 8 statewide Part D plans.
Is there a hospital in Caldwell?
Yes. West Valley Medical Center in Caldwell is a Medicare-certified acute care hospital with emergency services, and CMS gives it an overall rating of 5 out of 5 stars. Whether your 2027 plan includes it is a separate question, and we check that, along with your doctors, before you choose.
I have Medicare and Medicaid. Are there plans just for me in Caldwell?
Canyon County has 4 Dual Eligible Special Needs Plans for 2027, built for people who have both Medicare and Medicaid. Medicare and Idaho Medicaid set who qualifies, so we confirm your Medicaid level before suggesting one.
Do I have to come to an office to meet with you?
No. We work with Caldwell clients by Zoom or phone, and that covers the same full comparison an office visit would. If you would rather meet face to face, our Idaho City office, about 43 miles from Caldwell in a straight line, is open by appointment.
Can you help a Caldwell family member who is under 65?
Yes. Personal Touch helps Idahoans under 65 with individual and family health plans through Your Health Idaho, and we enroll you there. For 2027 coverage, open enrollment runs October 15 to December 15, 2026.
When can Caldwell residents change Medicare plans?
The Medicare Annual Enrollment Period runs October 15 to December 7, 2026 for coverage starting January 1, 2027. If you are on a Medicare Advantage plan, the Medicare Advantage Open Enrollment Period from January 1 to March 31, 2027 allows one more change.
Keep Reading
Sources
- CMS CY2027 Medicare Advantage and Part D Landscape file (202610), accessed October 30, 2026
- CMS Monthly Enrollment by Contract, Plan, State and County, October 2026, accessed October 30, 2026
- CMS CY2027 Medicare Advantage and Part D Rate Announcement (Part D deductible and out-of-pocket threshold), accessed October 30, 2026
- U.S. Census Bureau, ACS 2023 5-year Data Profile DP05, Caldwell city, Idaho, accessed October 30, 2026
- U.S. Census Bureau, ACS 2023 5-year Data Profile DP03, Caldwell city, Idaho, accessed October 30, 2026
- U.S. Census Bureau, ACS 2023 5-year Data Profiles, Canyon County, Idaho (API query), accessed October 30, 2026
- CDC PLACES place data (2023 release), Caldwell, accessed October 30, 2026
- CDC PLACES county data (2023 release), accessed October 30, 2026
- CMS Care Compare, Hospital General Information, accessed October 30, 2026
- U.S. Census Bureau, 2023 Gazetteer Files, Idaho places, accessed October 30, 2026
Figures are labelled with the year they apply to and were checked against the official sources above on the date shown. This page is general education, not individual advice. Personal Touch Ins. & Benefits, LLC is not connected with or endorsed by the U.S. government or the federal Medicare program.