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  1. 🏠
  2. Medicare Advantage Plans
  3. Alabama
  4. Clarke County

2026 Medicare Advantage Plans in Clarke County, AL

Last update: September 3, 2026.

For 2026, Clarke County, AL includes 25 Medicare Advantage plans. Enrollment across these plans totals approximately 2,162, with 14 $0 premium options and 48% rated 4 stars or higher.

Totals on this page exclude Medicare Advantage Special Needs Plans (SNPs). SNP plans for Clarke County, AL are provided separately. Or you can discover all Medicare Options in Clarke County, AL.

  • PPO Plans
  • HMO Plans
  • HMO-POS Plans

At a Glance

County-level summary of Medicare Advantage plan availability and enrollment based on CMS data.

Average Monthly Premium: $19.77/mo
$0 Premium Plans: 14
Average MOOP: $5,344 ($9,250 max. in 2026)
Star Ratings (Plan Mix): 4+ Stars: 48% · 3 Stars: 52% · Below 3: 0%
Average Part D Deductible: $516.25
Total MA/MAPD Enrollment: 2,162
Plans with the Highest Enrollment
(as of September 8, 2026)
1. Humana Gold Plus H5619-089 (HMO) — 510 enrollees
2. Blue Advantage Complete (PPO) — 367 enrollees
3. HumanaChoice H5216-269 (PPO) — 217 enrollees

Medicare Advantage PPO Plans

Preferred Provider Organization (PPO) plans allow access to both in-network and out-of-network providers. Out-of-network care usually costs more, but PPOs offer greater flexibility in choosing doctors and hospitals.

  • Total PPO Plans 16
  • Average Monthly Premium $25.20/mo
  • Total PPO Enrollment 970
  • $0 Premium PPO Plans 8
  • Average MOOP $5,209
  • Top PPO by Enrollment Blue Advantage Complete (PPO) — 367 enrollees
  • PPO Plans Without Drug Coverage 3

Comparison table of 2026 PPO Medicare Advantage Plans available in Clarke County, Alabama
PPO Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
Aetna Medicare Eagle Plus
☆☆☆☆☆
$0 $7,900 N/A H5521-229-0
Aetna Medicare Signature Plus
☆☆☆☆☆
$0 $9,250 $615 H5521-116-0
Aetna Medicare Value Plus
☆☆☆☆☆
$23 $9,250 $615 H5521-467-0
Humana Value Plus H7617-089
☆☆☆☆☆
$28 $3,000 $615 H7617-089-0
HumanaChoice H7617-090
☆☆☆☆☆
$20 $3,000 $615 H7617-090-0
HumanaChoice H7617-091
☆☆☆☆☆
$0 $4,000 $590 H7617-091-0
AARP Medicare Advantage from UHC AL-0004
☆☆☆☆☆
$0 $6,700 $600 H1889-015-0
Blue Advantage Choice
☆☆☆☆☆
$0 $6,150 $325 H0104-016-0
Blue Advantage Complete
☆☆☆☆☆
$36 $5,900 $200 H0104-012-0
Blue Advantage Premier
☆☆☆☆☆
$163 $2,900 $0 H0104-015-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $4,150 N/A H5216-236-0
Humana Value Plus H5216-179
☆☆☆☆☆
$28 $3,000 $615 H5216-179-0
HumanaChoice H5216-269
☆☆☆☆☆
$0 $4,000 $590 H5216-269-0
HumanaChoice H5216-368
☆☆☆☆☆
$20 $3,000 $615 H5216-368-0
HumanaChoice R0110-017
☆☆☆☆☆
$0 $4,650 N/A R0110-017-0
HumanaChoice R0110-018
☆☆☆☆☆
$86 $6,500 $590 R0110-018-0
Which PPO plan do most beneficiaries choose in Clarke?

Blue Advantage Complete (PPO) has the highest PPO enrollment in Clarke, with 367 enrollees.

How many PPO options are offered without drug coverage in Clarke?

In Clarke, 3 PPO plans are offered without prescription drug coverage.

How many PPO plan options can beneficiaries choose from in Clarke?

Clarke County has 16 PPO plans for 2026, with 970 enrolled.

Medicare Advantage HMO Plans

Health Maintenance Organization (HMO) plans are built around a defined network of doctors and hospitals. Care is generally covered only within the network, except in emergencies, but this structure often results in lower premiums and out-of-pocket costs.

Total HMO Plans
4
Average Monthly Premium
$5.00/mo
Total HMO Enrollment
796
$0 Premium HMO Plans
3
Average MOOP
$5,363
Top HMO by Enrollment
Humana Gold Plus H5619-089 (HMO) — 510 enrollees
HMO Plans Without Drug Coverage
1

Comparison table of 2026 HMO Medicare Advantage Plans available in Clarke County, Alabama
Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
Humana Gold Plus H4461-078
☆☆☆☆☆
$0 $6,100 $590 H4461-078-0
Humana Gold Plus H4461-079
☆☆☆☆☆
$20 $4,450 $615 H4461-079-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $4,150 N/A H4461-075-0
Humana Gold Plus H5619-089
☆☆☆☆☆
$0 $6,750 $615 H5619-089-0

How many HMO plan options are available in Clarke?

There are 4 HMO plans in 2026, covering 796 enrollees.

What is the typical premium for HMO plans in Clarke?

The average HMO premium in Clarke is $5.00 per month, with 3 plans offering $0 premiums.

Medicare Advantage HMO-POS Plans

HMO-POS plans are structured like HMOs, requiring in-network care for the lowest costs, while allowing limited out-of-network access at higher cost. This provides added flexibility compared with standard HMO plans.

Total HMO-POS Plans
5
Average Monthly Premium
$14.20/mo
Total HMO-POS Enrollment
396
$0 Premium HMO-POS Plans
3
Average MOOP
$5,760
Top HMO-POS by Enrollment
AARP Medicare Advantage from UHC AL-0003 (HMO-POS) — 203 enrollees
HMO-POS Plans Without Drug Coverage
1

Comparison table of 2026 HMO-POS Medicare Advantage Plans available in Clarke County, Alabama
Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
AARP Medicare Advantage from UHC AL-0003
☆☆☆☆☆
$0 $5,900 $440 H2802-041-0
AARP Medicare Advantage from UHC AL-6
☆☆☆☆☆
$31 $4,900 $440 H2802-079-0
AARP Medicare Advantage from UHC AL-0001
☆☆☆☆☆
$0 $6,700 $600 H0432-003-0
AARP Medicare Advantage from UHC AL-0002
☆☆☆☆☆
$40 $5,400 $440 H0432-004-0
AARP Medicare Advantage Patriot No Rx AL-MA01
☆☆☆☆☆
$0 $5,900 N/A H0432-012-0
How many HMO-POS options can beneficiaries choose from in Clarke?
Clarke offers 5 HMO-POS plans for 2026, with 396 enrollees.
What is the typical premium for HMO-POS plans in Clarke?
HMO-POS plans in Clarke cost $14.20 per month on average.

Below is a breakdown of CMS star ratings for Medicare Advantage plans available in Clarke County, AL for 2026.

Medicare Advantage Plan Ratings in Clarke County, AL (2026)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 12 48%
3 Stars 13 52%
Below 3 Stars 0 0%
Not Rated 0 0%
Average Rating 3.84

* CMS assigns Medicare Advantage star ratings annually based on plan quality and performance measures.

  • CMS.gov, Medicare Advantage & Special Needs Plan Landscape Source Files — Version: 202608
  • CMS.gov, Medicare Part C & D Performance Data — Version: 2026
  • CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Version: 2026-08

County-level figures shown on this page, including plan counts, enrollment totals, averages, and percentage distributions, reflect standard Medicare Advantage (MA/MAPD) plans only and are derived from CMS datasets using a standardized aggregation methodology.

Data sources and methodology documentation .

  • CMS.gov, "Medicare Advantage Plan Fact Sheet" — Last accessed 25 May, 2025
  • Medicare.gov, "Explore your Medicare coverage options" — Last accessed 25 May, 2025
  • AARP.org, "The Big Choice: Original Medicare vs. Medicare Advantage" — Last accessed 25 May, 2025

MedicarePlans.com is an independent, non-government informational resource and is not affiliated with or endorsed by the U.S. Government or the federal Medicare program.

Data provenance documentation is maintained in alignment with the U.S. Core Data for Interoperability (USCDI) Provenance standard .

Page content independently curated and maintained by David W. Bynon, Editorial Steward, using a standardized, data-driven methodology for accurate, non-commercial Medicare plan interpretation and resolution.

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