Navajo County is in the high plateau of the Navajo Nation, Hopi lands and the White Mountains. The county seat is Holbrook; the largest community is Show Low.
The county stretches from Navajo Nation and Hopi lands in the north to Show Low and the White Mountain Apache Tribe’s Whiteriver in the south. Indian Health Service, tribal and community clinics serve much of it.
2027 plans in Navajo County at a glance
What it means if you live in Navajo County
- That's 3 plans fewer than in 2026 (11). If you have a Medicare Advantage plan, check your Annual Notice of Change to see whether it continues and what changes. Wellcare stops selling regular Medicare Advantage plans here on December 31; at least 166 people in Navajo County are in one of those plans. If that's you, here is what to do. (CMS data)
- All of them are PPOs, which also pay for doctors outside the network, usually at a higher cost to you.
- 3 plans have no Part D drug coverage. Those suit people who get drug coverage elsewhere, such as from the VA; otherwise you could owe a late-enrollment penalty for going without it.
- Special needs plans here: 5 for people with both Medicare and AHCCCS (Medicaid); 3 for people with certain chronic conditions, such as diabetes or heart failure. You can join one only if you qualify.
- Navajo County ranks 13th of Arizona's 15 counties for plans open to everyone. In the Northeast Arizona region (2 counties), the count runs from 7 to 8.
- At least 10,302 people in Navajo County were in a Medicare Advantage plan in October 2026.
Licensed insurance agents for Navajo County
These independent insurance agents are licensed in Arizona and work with Benefits Life, the publisher of this site. When they enroll you in a plan, the agent and Benefits Life may be paid by the insurance company. Learn more.
See Medicare plans in Navajo County
Enter your ZIP code to compare Medicare Advantage, Part D, and Medigap plans available where you live.
You'll go to PlanMatchMedicare.com, a plan comparison site from Benefits Life, the publisher of this site. Only your ZIP code is sent.
Original Medicare and Medigap
If you'd rather keep any doctor who takes Medicare, Original Medicare with a Medigap policy and a Part D plan works the same in every Arizona county. Medigap in Arizona.
Nearby counties
You can only join a Medicare Advantage plan sold in the county where you live.
| County | Plans open to everyone, 2027 | Special needs plans |
|---|---|---|
| Apache County | 7 | 5 |
| Coconino County | 13 | 11 |
| Gila County | 9 | 13 |
| Yavapai County | 20 | 11 |
Visit an insurance agency office
Find independent insurance agency offices in Arizona on MedicareResourceCenter.com.
Find an office2026 Medicare costs (the same in every county)
| Cost | 2026 |
|---|---|
| Part B premium | $202.90 a month (standard) |
| Part B deductible | $283 a year |
| Part A deductible | $1,736 per benefit period |
| Part D out-of-pocket cap | $2,100 a year |
Other places to get answers
- Medicare: 1-800-MEDICARE (1-800-633-4227), TTY 1-877-486-2048, 24 hours a day, or Medicare.gov.
- Social Security (signing up for Parts A and B, Extra Help): 1-800-772-1213, TTY 1-800-325-0778.
- AHCCCS (Arizona Medicaid, and help with Medicare costs): azahcccs.gov.
- Arizona Department of Insurance and Financial Institutions (complaints about an insurance company or agent): difi.az.gov.
Questions about Medicare in Navajo County
How many Medicare Advantage plans are there in Navajo County for 2027?
CMS lists 8 open to everyone with Medicare (11 in 2026), plus 8 special needs plans for people who qualify. You still pay your Part B premium.
When can I change my Medicare plan in Navajo County?
Open Enrollment runs October 15 to December 7, for coverage starting January 1. If you're in a Medicare Advantage plan, you can switch plans or go back to Original Medicare once between January 1 and March 31. If your plan leaves your county, you get a Special Enrollment Period.
How do I find a licensed insurance agent in Navajo County?
Use the agent search on this page, or call (602) SENIORS (602-736-4677), TTY 711 to compare plans with a licensed insurance agent at no cost to you. Agents listed here are licensed in Arizona.
Sources
Plans open to everyone are Medicare Advantage plans with or without drug coverage, not special needs plans. Enrollment counts HMO and PPO plans; CMS hides counts of 10 or fewer, so real numbers are a little higher.