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2026 Medicare Advantage Plans in Habersham County, GA

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Habersham County, GA has 43 Medicare Advantage plans available in 2026. These include 33 plans with no monthly premium, and roughly 26% 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 Habersham County, GA. Or explore all Medicare Options available in Habersham County, GA.

At a Glance

Average Monthly Premium: $8.92/mo
$0 Premium Plans: 33
Average MOOP: $8,044 ($9,250 max. in 2026)
Star Ratings (Plan Mix): 4+ Stars: 26% · 3 Stars: 71% · Below 3: 2%
Average Part D Deductible: $483.62
Total MA/MAPD Enrollment: 3,047
Plans with the Highest Enrollment
(as of September 8, 2026)
1. HealthSpring Preferred (HMO) — 901 enrollees
2. Aetna Medicare Elite (PPO) — 375 enrollees
3. HealthSpring Preferred Savings (HMO) — 262 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 28
  • Average Monthly Premium $9.21/mo
  • Total PPO Enrollment 1,500
  • $0 Premium PPO Plans 23
  • Average MOOP $8,554
  • Top PPO by Enrollment Aetna Medicare Elite (PPO) — 375 enrollees
  • PPO Plans Without Drug Coverage 12

Comparison table of 2026 PPO Medicare Advantage Plans available in Habersham County, Georgia
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Humana USAA Honor Giveback
☆☆☆☆☆
 $0 $9,250 N/A H7617-096-0
HumanaChoice H7617-093
☆☆☆☆☆
 $0 $9,250 $450 H7617-093-0
AARP Medicare Advantage Patriot No Rx GA-MA01
☆☆☆☆☆
 $0 $6,700 N/A H1889-022-0
Aetna Medicare Eagle Plus
☆☆☆☆☆
 $0 $8,900 N/A H2293-009-0
Aetna Medicare Elite
☆☆☆☆☆
 $0 $9,250 $615 H2293-031-0
Aetna Medicare Value Care
☆☆☆☆☆
 $25 $9,250 $615 H2293-001-0
Anthem Medicare Advantage 2
☆☆☆☆☆
 $82 $9,250 $200 H4036-030-0
Anthem Veteran
☆☆☆☆☆
 $0 $9,250 N/A H4036-040-0
UHC Medicare Advantage GA-2
☆☆☆☆☆
 $0 $9,250 $600 H1889-013-0
UHC Medicare Advantage Patriot No Rx GS-MA01
☆☆☆☆☆
 $0 $9,250 N/A R2604-005-0
Aetna Medicare Eagle Plus
☆☆☆☆☆
 $0 $8,900 N/A H3288-034-0
Aetna Medicare Elite
☆☆☆☆☆
 $0 $9,250 $615 H3288-027-0
Clover Health LiveHealthy
☆☆☆☆☆
 $0 $6,700 $0 H5141-026-0
Clover Health LiveHealthy Giveback
☆☆☆☆☆
 $0 $9,250 $590 H5141-063-0
Clover Health LiveHealthy Value
☆☆☆☆☆
 $25 $6,500 $150 H5141-045-0
Clover Health Valor
☆☆☆☆☆
 $0 $7,499 N/A H5141-056-0
Humana Full Access R0110-020
☆☆☆☆☆
 $100 $9,250 $615 R0110-020-0
Humana USAA Honor Giveback
☆☆☆☆☆
 $0 $9,250 N/A H5216-286-0
Humana USAA Honor Giveback
☆☆☆☆☆
 $0 $6,700 N/A H5216-217-0
HumanaChoice Giveback H5216-154
☆☆☆☆☆
 $0 $9,250 $615 H5216-154-0
HumanaChoice H5216-157
☆☆☆☆☆
 $0 $9,250 N/A H5216-157-0
HumanaChoice H5216-284
☆☆☆☆☆
 $25 $9,250 $615 H5216-284-0
HumanaChoice H5216-421
☆☆☆☆☆
 $0 $9,250 $450 H5216-421-0
HumanaChoice R0110-019
☆☆☆☆☆
 $0 $7,550 N/A R0110-019-0
Wellcare Patriot Giveback Open
☆☆☆☆☆
 $0 $9,250 N/A H0111-007-0
Wellcare Simple Open
☆☆☆☆☆
 $0 $9,250 $615 H0111-001-0
HealthSpring True Choice
☆☆☆☆☆
 $0 $6,800 $250 H7849-145-0
Clear Spring Health BrightPath Advantage
☆☆☆☆☆
 $0 $6,751 $400 H9589-003-0
What is the most popular PPO plan in Habersham?

Aetna Medicare Elite (PPO) is the top PPO in Habersham, with 375 enrollees.

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

There are 12 PPO plans in Habersham 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
6
Average Monthly Premium
$8.00/mo
Total HMO Enrollment
1,217
$0 Premium HMO Plans
4
Average MOOP
$6,875
Top HMO by Enrollment
HealthSpring Preferred (HMO) — 901 enrollees
HMO Plans Without Drug Coverage
0

Comparison table of 2026 HMO Medicare Advantage Plans available in Habersham County, Georgia
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Aetna Medicare Signature
☆☆☆☆☆
 $0 $9,250 $615 H5302-023-0
HealthSpring Preferred
☆☆☆☆☆
 $0 $4,950 $200 H0439-010-0
HealthSpring Preferred GA
☆☆☆☆☆
 $30 $6,800 $615 H0439-003-2
HealthSpring Preferred Plus
☆☆☆☆☆
 $18 $6,800 $615 H0439-006-0
HealthSpring Preferred Savings
☆☆☆☆☆
 $0 $9,250 $615 H0439-018-0
Clear Spring Health BrightPath Advantage
☆☆☆☆☆
 $0 $4,200 $400 H6672-005-0

What is the typical premium for HMO plans in Habersham?

HMO plans in Habersham cost $8.00 per month on average.

Which HMO plan do most beneficiaries choose in Habersham?

The most popular HMO plan in Habersham is HealthSpring Preferred (HMO), with 901 enrollees.

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

There are 0 HMO plans in Habersham 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 8
  • Average Monthly Premium $6.35/mo
  • Total HMO-POS Enrollment 101
  • $0 Premium HMO-POS Plans 6
  • Average MOOP $7,306
  • Top HMO-POS by Enrollment Anthem Medicare Advantage (HMO-POS) — 42 enrollees
  • HMO-POS Plans Without Drug Coverage 2

Comparison table of 2026 HMO-POS Medicare Advantage Plans available in Habersham County, Georgia
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
AARP Medicare Advantage from UHC GA-5
☆☆☆☆☆
 $0 $6,700 $520 H5322-047-2
Anthem Extra Help
☆☆☆☆☆
 $25 $5,900 $390 H5422-013-0
Anthem Medicare Advantage
☆☆☆☆☆
 $0 $9,250 $250 H5422-011-0
Anthem Veteran
☆☆☆☆☆
 $0 $9,250 N/A H5422-014-0
Wellcare Assist
☆☆☆☆☆
 $25 $7,500 $565 H1112-043-0
Wellcare Giveback
☆☆☆☆☆
 $0 $9,250 $615 H1112-042-0
Wellcare Patriot Simple
☆☆☆☆☆
 $0 $3,400 N/A H1112-034-0
Wellcare Simple
☆☆☆☆☆
 $0 $7,200 $615 H1112-038-0
What is the total number of HMO-POS plans in Habersham?

In 2026, Habersham has 8 HMO-POS plans with 101 enrollees.

How much do HMO-POS plans cost in Habersham?

The typical HMO-POS premium in Habersham is $6.35, and 6 plans have no monthly premium.

Medicare Advantage PFFS Plans

PFFS plans allow members to visit any Medicare-approved provider who accepts the plan’s payment terms. This offers broader choice than network-based plans, but coverage depends on provider participation, so acceptance should be confirmed in advance.

Total PFFS Plans
1
Average Monthly Premium
$27.00/mo
Total PFFS Enrollment
229
$0 Premium PFFS Plans
0
Average MOOP
$6,700
Top PFFS by Enrollment
Humana Gold Choice H8145-069 (PFFS) — 229 enrollees
PFFS Plans Without Drug Coverage
0

Comparison table of 2026 PFFS Medicare Advantage Plans available in Habersham County, Georgia
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Humana Gold Choice H8145-069
☆☆☆☆☆
 $27 $6,700 $615 H8145-069-0
What is the average monthly premium for PFFS plans?
PFFS plans in Habersham cost $27.00 per month on average.
Which PFFS plan is most popular in Habersham?
The most popular PFFS plan in Habersham is Humana Gold Choice H8145-069 (PFFS), with 229 enrollees.
How many PFFS plans in Habersham do not include drug coverage?
There are 0 PFFS plans in Habersham without prescription drug coverage.

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

CMS Star Ratings for Medicare Advantage Plans in Habersham County, GA (2026)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 11 26%
3 Stars 30 71%
Below 3 Stars 1 2%
Not Rated 1 2%
Average Rating 3.63

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

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 .

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