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

2026 Medicare Advantage Plans in Shelby County, AL

Last update: September 3, 2026.

Shelby County, AL has 37 Medicare Advantage plans available in 2026. These include 25 plans with no monthly premium, and roughly 54% are rated at least 4 stars based on CMS data.

Medicare Advantage Special Needs Plans (SNPs) are not included in the figures shown above. View Special Needs Plans in Shelby County, AL. Or explore all Medicare Options available in Shelby 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: $15.61/mo
$0 Premium Plans: 25
Average MOOP: $6,004 ($9,250 max. in 2026)
Star Ratings (Plan Mix): 4+ Stars: 54% · 3 Stars: 46% · Below 3: 0%
Average Part D Deductible: $477.76
Total MA/MAPD Enrollment: 17,436
Plans with the Highest Enrollment
(as of September 8, 2026)
1. Blue Advantage Complete (PPO) — 8,007 enrollees
2. VIVA Medicare Plus (HMO) — 2,251 enrollees
3. AARP Medicare Advantage from UHC AL-0003 (HMO-POS) — 1,382 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 18
  • Average Monthly Premium $20.43/mo
  • Total PPO Enrollment 9,917
  • $0 Premium PPO Plans 11
  • Average MOOP $5,939
  • Top PPO by Enrollment Blue Advantage Complete (PPO) — 8,007 enrollees
  • PPO Plans Without Drug Coverage 4

Comparison table of 2026 PPO Medicare Advantage Plans available in Shelby County, Alabama
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Aetna Medicare Eagle Plus
☆☆☆☆☆
$0 $7,900 N/A H5521-229-0
Aetna Medicare Signature Giveback
☆☆☆☆☆
$0 $9,250 $615 H5521-475-0
Aetna Medicare Signature Plus
☆☆☆☆☆
$0 $8,900 $615 H5521-171-0
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
AARP Medicare Advantage from UHC AL-0004
☆☆☆☆☆
$0 $6,700 $600 H1889-015-0
Blue Advantage Complete
☆☆☆☆☆
$0 $5,900 $370 H0104-014-0
Blue Advantage Premier
☆☆☆☆☆
$163 $2,900 $0 H0104-015-0
DEVOTED CHOICE 001 AL
☆☆☆☆☆
$0 $6,200 $375 H9888-001-0
DEVOTED CHOICE GIVEBACK 005 AL
☆☆☆☆☆
$0 $7,900 $605 H9888-005-0
DEVOTED CHOICE MA ONLY 007 AL
☆☆☆☆☆
$0 $7,900 N/A H9888-007-0
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 H5216-368
☆☆☆☆☆
$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
HealthSpring True Choice
☆☆☆☆☆
$0 $6,800 $250 H7849-143-0
What is the most popular PPO plan in Shelby?

Blue Advantage Complete (PPO) is the top PPO in Shelby, with 8,007 enrollees.

What is the number of PPO plans without Part D coverage in Shelby?

There are 4 PPO plans in Shelby without prescription drug coverage.

Medicare Advantage HMO Plans

HMO plans typically require members to use in-network providers and facilities, except in emergencies. In return, HMOs often offer lower monthly premiums and reduced cost-sharing.

Total HMO Plans
14
Average Monthly Premium
$9.93/mo
Total HMO Enrollment
5,822
$0 Premium HMO Plans
11
Average MOOP
$6,175
Top HMO by Enrollment
VIVA Medicare Plus (HMO) — 2,251 enrollees
HMO Plans Without Drug Coverage
3

Comparison table of 2026 HMO Medicare Advantage Plans available in Shelby County, Alabama
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
HealthSpring Courage
☆☆☆☆☆
$0 $5,750 N/A H4513-045-0
HealthSpring Preferred
☆☆☆☆☆
$0 $4,750 $200 H4513-077-1
HealthSpring Preferred AL
☆☆☆☆☆
$0 $6,900 $590 H4513-046-1
HealthSpring Preferred Full Savings
☆☆☆☆☆
$0 $5,600 $500 H4513-088-0
HealthSpring Preferred Plus
☆☆☆☆☆
$20 $4,750 $200 H4513-087-1
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
VIVA Medicare Plus
☆☆☆☆☆
$0 $9,250 $350 H0154-015-1
VIVA Medicare Premier
☆☆☆☆☆
$99 $6,500 $200 H0154-011-0
VIVA Medicare Select
☆☆☆☆☆
$0 $9,250 N/A H0154-008-0
DEVOTED CORE 001 AL
☆☆☆☆☆
$0 $5,500 $375 H3080-001-0
DEVOTED GIVEBACK 002 AL
☆☆☆☆☆
$0 $6,750 $605 H3080-002-0
Humana Gold Plus H5619-089
☆☆☆☆☆
$0 $6,750 $615 H5619-089-0

What is the typical premium for HMO plans in Shelby?

HMO plans in Shelby cost $9.93 per month on average.

Which HMO plan do most beneficiaries choose in Shelby?

The most popular HMO plan in Shelby is VIVA Medicare Plus (HMO), with 2,251 enrollees.

How many HMO options are offered without prescription drug coverage in Shelby?

There are 3 HMO plans in Shelby without prescription drug coverage.

Medicare Advantage HMO-POS Plans

HMO Point-of-Service (HMO-POS) plans combine HMO network requirements with limited out-of-network access. Care outside the network typically costs more, but HMO-POS plans provide added flexibility compared with standard HMOs.

  • Total HMO-POS Plans 5
  • Average Monthly Premium $14.20/mo
  • Total HMO-POS Enrollment 1,697
  • $0 Premium HMO-POS Plans 3
  • Average MOOP $5,760
  • Top HMO-POS by Enrollment AARP Medicare Advantage from UHC AL-0003 (HMO-POS) — 1,382 enrollees
  • HMO-POS Plans Without Drug Coverage 1

Comparison table of 2026 HMO-POS Medicare Advantage Plans available in Shelby County, Alabama
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS 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
What is the total number of HMO-POS plans in Shelby?

In 2026, Shelby has 5 HMO-POS plans with 1,697 enrollees.

How much do HMO-POS plans cost in Shelby?

The typical HMO-POS premium in Shelby is $14.20, and 3 plans have no monthly premium.

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

CMS Star Ratings for Medicare Advantage Plans in Shelby County, AL (2026)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 20 54%
3 Stars 17 46%
Below 3 Stars 0 0%
Not Rated 0 0%
Average Rating 3.82

* Medicare Advantage star ratings are determined by CMS each year using a standardized 5-star rating system.

  • 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, "Your coverage options" — Last accessed 25 May, 2025
  • Medicare.gov, "Joining a plan" — 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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