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2027 Medicare Advantage Plans in St Joseph County, IN

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St Joseph County, IN has 39 Medicare Advantage plans available in 2027. These include 27 plans with no monthly premium, and roughly 52% are rated at least 4 stars based on CMS data.

At a Glance

Average Monthly Premium: $13.62/mo
$0 Premium Plans: 27
Average MOOP: $7,196 ($9,250 max. in 2027)
Star Ratings (Plan Mix): 4+ Stars: 52% · 3 Stars: 42% · Below 3: 6%
Average Part D Deductible: $541.37
Total MA/MAPD Enrollment: 18,231
Plans with the Highest Enrollment
(as of October 5, 2026)
1. AARP Medicare Advantage from UHC IN-0001 (PPO) — 6,014 enrollees
2. AARP Medicare Advantage from UHC IN-0006 (PPO) — 2,636 enrollees
3. Anthem Medicare Advantage (HMO-POS) — 1,800 enrollees

Medicare Advantage Special Needs Plans (SNPs) are not included in the figures shown above. View Special Needs Plans in St Joseph County, IN. Or explore all Medicare Options available in St Joseph County, IN. To understand how local plans fit into the broader market, visit our Indiana Medicare Advantage plan directory for statewide plan counts, premiums, out-of-pocket limits, CMS ratings, and enrollment data.

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 29
  • Average Monthly Premium $16.79/mo
  • Total PPO Enrollment 14,529
  • $0 Premium PPO Plans 20
  • Average MOOP $7,362
  • Top PPO by Enrollment AARP Medicare Advantage from UHC IN-0001 (PPO) — 6,014 enrollees
  • PPO Plans Without Drug Coverage 7

Comparison table of 2027 PPO Medicare Advantage Plans available in St Joseph County, Indiana
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Humana Essentials Plus Giveback
☆☆☆☆☆
 $0 $9,850 $700 H7617-144-1
Humana USAA Honor Giveback
☆☆☆☆☆
 $0 $7,900 N/A H7617-073-0
AARP Medicare Advantage from UHC IN-0001
☆☆☆☆☆
 $46 $4,450 $685 H2406-035-0
AARP Medicare Advantage from UHC IN-0006
☆☆☆☆☆
 $0 $5,900 $685 H2406-066-0
AARP Medicare Advantage Patriot No Rx IN-MA01
☆☆☆☆☆
 $0 $9,850 N/A H2406-074-0
Aetna Medicare Eagle
☆☆☆☆☆
 $0 $5,200 N/A H5521-286-0
Aetna Medicare Signature
☆☆☆☆☆
 $0 $6,350 $500 H5521-223-0
Aetna Medicare Signature Extra
☆☆☆☆☆
 $0 $6,350 $500 H5521-406-0
Aetna Medicare Value Care
☆☆☆☆☆
 $0 $6,750 $500 H5521-496-0
Humana Full Access
☆☆☆☆☆
 $0 $7,150 $700 H5216-192-0
Humana USAA Honor Giveback
☆☆☆☆☆
 $0 $7,900 N/A H5216-441-0
Humana USAA Honor Giveback
☆☆☆☆☆
 $0 $7,900 N/A H5216-218-0
Humana Value Choice
☆☆☆☆☆
 $0 $7,000 $700 H5216-229-0
HumanaChoice Giveback H5216-481
☆☆☆☆☆
 $0 $9,850 $700 H5216-481-1
HumanaChoice H5216-019
☆☆☆☆☆
 $34 $6,800 $700 H5216-019-0
HumanaChoice H5216-463
☆☆☆☆☆
 $43 $6,350 $500 H5216-463-0
Anthem Medicare Advantage
☆☆☆☆☆
 $123 $9,250 $45 R5941-016-0
Anthem Medicare Advantage
☆☆☆☆☆
 $45 $6,750 $95 H7093-002-0
Anthem Medicare Advantage 2
☆☆☆☆☆
 $50 $6,750 $250 H1607-015-0
Anthem Medicare Advantage 3
☆☆☆☆☆
 $68 $6,750 $150 H1607-012-0
Anthem Veteran
☆☆☆☆☆
 $0 $9,250 N/A H7093-001-0
HumanaChoice R0110-011
☆☆☆☆☆
 $0 $5,400 N/A R0110-011-0
HumanaChoice R0110-012
☆☆☆☆☆
 $68 $9,850 $450 R0110-012-0
Wellcare Giveback Open
☆☆☆☆☆
 $0 $9,850 $700 H6348-008-0
Wellcare Simple Open
☆☆☆☆☆
 $0 $6,200 $700 H6348-002-0
DEVOTED CHOICE 005 IN
☆☆☆☆☆
 $0 $4,800 $465 H7471-005-0
DEVOTED CHOICE GIVEBACK 006 IN
☆☆☆☆☆
 $0 $9,850 $461 H7471-006-0
DEVOTED CHOICE GIVEBACK EXTRAS 025 IN
☆☆☆☆☆
 $0 $7,350 $700 H7471-025-0
DEVOTED CHOICE PREMIUM 007 IN
☆☆☆☆☆
 $10 $5,900 $650 H7471-007-0
What is the most popular PPO plan in St Joseph?

AARP Medicare Advantage from UHC IN-0001 (PPO) is the top PPO in St Joseph, with 6,014 enrollees.

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

There are 7 PPO plans in St Joseph 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 $2.13/mo
  • Total HMO-POS Enrollment 3,702
  • $0 Premium HMO-POS Plans 7
  • Average MOOP $6,594
  • Top HMO-POS by Enrollment Anthem Medicare Advantage (HMO-POS) — 1,800 enrollees
  • HMO-POS Plans Without Drug Coverage 0

Comparison table of 2027 HMO-POS Medicare Advantage Plans available in St Joseph County, Indiana
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Humana Gold Plus H5619-189
☆☆☆☆☆
 $0 $4,350 $600 H5619-189-2
AARP Medicare Advantage Essentials from UHC IN-11
☆☆☆☆☆
 $0 $6,700 $685 H2802-008-0
AARP Medicare Advantage Extras from UHC IN-16
☆☆☆☆☆
 $0 $7,150 $685 H2802-055-0
AARP Medicare Advantage Giveback from UHC IN-20
☆☆☆☆☆
 $0 $7,150 $685 H2802-059-0
Aetna Medicare Signature
☆☆☆☆☆
 $0 $6,750 $500 H3192-005-0
Anthem Extra Help
☆☆☆☆☆
 $17 $4,900 $700 H3447-024-0
Anthem Medicare Advantage
☆☆☆☆☆
 $0 $9,850 $150 H3447-042-1
Wellcare Simple
☆☆☆☆☆
 $0 $5,900 $700 H3499-002-0
What is the total number of HMO-POS plans in St Joseph?

In 2027, St Joseph has 8 HMO-POS plans with 3,702 enrollees.

How much do HMO-POS plans cost in St Joseph?

The typical HMO-POS premium in St Joseph is $2.13, and 7 plans have no monthly premium.

Below is a breakdown of CMS star ratings for Medicare Advantage plans available in St Joseph County, IN for 2027.

CMS Star Ratings for Medicare Advantage Plans in St Joseph County, IN (2027)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 17 52%
3 Stars 14 42%
Below 3 Stars 2 6%
Not Rated 4 11%
Average Rating 3.68

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

Medicare Advantage plans listed on this page are available to eligible beneficiaries residing in St Joseph County, Indiana, including communities such as Granger, Lakeville, Mishawaka, New Carlisle, North Liberty, Notre Dame, Osceola, Walkerton, South Bend, and other areas throughout the county. Plan availability is determined by county of residence, not by city.

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 .