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  1. 🏠
  2. Medicare Advantage Plans
  3. Arizona
  4. Navajo County

2026 Medicare Advantage Plans in Navajo County, AZ

Last update: September 2, 2026.

For 2026, Navajo County, AZ includes 11 Medicare Advantage plans. Enrollment across these plans totals approximately 6,667, with 7 $0 premium options and 36% rated 4 stars or higher.

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

  • PPO Plans
  • HMO Plans

At a Glance

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

  • Average Monthly Premium: $35.26/mo
  • $0 Premium Plans: 7
  • Average MOOP: $6,009 ($9,250 max. in 2026)
  • Star Ratings (Plan Mix): 4+ Stars: 36% · 3 Stars: 45% · Below 3: 18%
  • Average Part D Deductible: $543.13
  • Total MA/MAPD Enrollment: 6,667
  • Plans with the Highest Enrollment
    (as of August 15, 2026)
    1. HumanaChoice H5216-263 (PPO) — 2,441 enrollees
    2. AARP Medicare Advantage from UHC AZ-0010 (PPO) — 1,977 enrollees
    3. Humana USAA Honor Giveback (PPO) — 543 enrollees

Medicare Advantage PPO Plans

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

Total PPO Plans
9
Average Monthly Premium
$43.10/mo
Total PPO Enrollment
6,506
$0 Premium PPO Plans
5
Average MOOP
$5,539
Top PPO by Enrollment
HumanaChoice H5216-263 (PPO) — 2,441 enrollees
PPO Plans Without Drug Coverage
3

2026 PPO Medicare Advantage plans in Navajo County, Arizona (comparison chart)
PPO Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
AARP Medicare Advantage Access from UHC AZ-15
☆☆☆☆☆
$295 $3,000 $600 H2406-129-0
AARP Medicare Advantage from UHC AZ-0008
☆☆☆☆☆
$45 $5,900 $600 H2406-063-0
AARP Medicare Advantage from UHC AZ-0010
☆☆☆☆☆
$0 $6,700 $600 H2406-076-0
AARP Medicare Advantage Patriot No Rx AZ-MA01
☆☆☆☆☆
$0 $6,700 N/A H2406-077-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $5,150 N/A H5216-436-1
HumanaChoice H5216-224
☆☆☆☆☆
$11 $4,150 $400 H5216-224-0
HumanaChoice H5216-263
☆☆☆☆☆
$0 $5,450 $300 H5216-263-0
HumanaChoice R7220-001
☆☆☆☆☆
$0 $6,000 N/A R7220-001-0
HumanaChoice R7220-002
☆☆☆☆☆
$37 $6,800 $615 R7220-002-0

What is the typical premium for PPO plans available in Navajo?

PPO plans in Navajo cost $43.10 per month on average.

Which PPO plan do most beneficiaries choose in Navajo?

The most popular PPO plan in Navajo is HumanaChoice H5216-263 (PPO), with 2,441 enrollees.

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

3 PPO plans in Navajo do not include prescription drug coverage.

Medicare Advantage HMO Plans

Health Maintenance Organization (HMO) plans generally require members to use in-network doctors, hospitals, and other providers, except in emergencies. Because of this structure, HMOs often have lower premiums and out-of-pocket costs than other plan types.

  • Total HMO Plans 2
  • Average Monthly Premium $0.00/mo
  • Total HMO Enrollment 161
  • $0 Premium HMO Plans 2
  • Average MOOP $8,125
  • Top HMO by Enrollment Wellcare Simple (HMO) — 122 enrollees
  • HMO Plans Without Drug Coverage 0

2026 HMO Medicare Advantage plans in Navajo County, Arizona (comparison chart)
Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
Wellcare Giveback
☆☆☆☆☆
$0 $9,250 $615 H0351-054-0
Wellcare Simple
☆☆☆☆☆
$0 $7,000 $615 H0351-053-0
What is the total number of HMO plans offered in Navajo?

In 2026, Navajo County has 2 HMO plans with 161 enrollees.

How much do HMO plans cost in Navajo?

The typical HMO premium in Navajo is $0.00, and 2 plans have no monthly premium.

CMS quality ratings for Medicare Advantage plans in Navajo County, AZ (2026) are summarized below.

Quality Ratings for Medicare Advantage Plans in Navajo County, AZ (2026)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 4 36%
3 Stars 5 45%
Below 3 Stars 2 18%
Not Rated 0 0%
Average Rating 3.5

* Star ratings are based on CMS quality measures and reflect plan performance for the 2026 rating period.

  • 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: 2026-07

All plan counts, enrollment totals, averages, and percentage distributions are calculated at the county level using CMS data and include standard Medicare Advantage (MA/MAPD) plans only, based on a consistent aggregation methodology.

Data sources and methodology documentation .

  • Medicare.gov, "Understanding Medicare Advantage Plans" — Last accessed 25 May, 2025
  • Medicare.gov, "Explore your Medicare coverage options" — Last accessed 25 May, 2025
  • NCOA.org, "5 Steps to Choosing the Right Medicare Plan for You" — 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 is documented in accordance 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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