2026 Medicare Advantage Plans in St Joseph County, IN
Last update: . Enrollment data updated: June 13, 2026
In St Joseph County, IN, there are 43 Medicare Advantage plans available for 2026. Of these, 29 offer a $0 monthly premium, and about 33% are rated 4 stars or higher based on CMS quality ratings.
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.
Medicare Advantage PPO Plans
Preferred Provider Organization (PPO) plans allow members to use both in-network and out-of-network providers. Out-of-network care typically costs more, but PPOs offer greater flexibility in how care is accessed.
What is the total number of PPO plans offered in St Joseph?
St Joseph County has 32 PPO plans for 2026, with 16,493 enrolled.
How much do PPO plans cost in St Joseph?
The typical PPO premium in St Joseph is $11.96, and 21 plans have no monthly premium.
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 10
- Average Monthly Premium $5.39/mo
- Total HMO-POS Enrollment 4,840
- $0 Premium HMO-POS Plans 8
- Average MOOP $5,410
- Top HMO-POS by Enrollment Anthem Medicare Advantage (HMO-POS) — 1,806 enrollees
- HMO-POS Plans Without Drug Coverage 0
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| AARP Medicare Advantage Essentials from UHC IN-11 | $0 | $5,900 | $520 | H2802-008-0 | |
| AARP Medicare Advantage Extras from UHC IN-16 | $0 | $6,700 | $600 | H2802-055-0 | |
| AARP Medicare Advantage Giveback from UHC IN-20 | $0 | $6,700 | $600 | H2802-059-0 | |
| Anthem Extra Help | $23 | $4,900 | $390 | H3447-024-0 | |
| Anthem Medicare Advantage | $0 | $4,150 | $150 | H3447-042-1 | |
| Aetna Medicare Signature | $0 | $6,750 | $615 | H3192-005-0 | |
| Humana Gold Plus H5619-049 | $0 | $4,250 | $250 | H5619-049-0 | |
| Humana Gold Plus H5619-053 | $0 | $4,850 | $250 | H5619-053-0 | |
| Wellcare Assist | $31 | $5,700 | $560 | H3499-008-0 | |
| Wellcare Simple | $0 | $4,200 | $615 | H3499-002-0 |
What is the total number of HMO-POS plans in St Joseph?
There are 10 HMO-POS plans in 2026, covering 4,840 enrollees.
How much do HMO-POS plans cost in St Joseph?
The average HMO-POS premium in St Joseph is $5.39 per month, with 8 plans offering $0 premiums.
What is the leading HMO-POS plan in St Joseph?
Anthem Medicare Advantage (HMO-POS) is the top HMO-POS in St Joseph, with 1,806 enrollees.
What is the number of HMO-POS plans without Part D coverage in St Joseph?
0 HMO-POS plans in St Joseph do not include prescription drug coverage.
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
- $37.00/mo
- Total PFFS Enrollment
- 35
- $0 Premium PFFS Plans
- 0
- Average MOOP
- $3,950
- Top PFFS by Enrollment
- Humana Gold Choice H8145-032 (PFFS) — 35 enrollees
- PFFS Plans Without Drug Coverage
- 0
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| Humana Gold Choice H8145-032 | $37 | $3,950 | $300 | H8145-032-0 |
What is the average monthly premium for PFFS plans?
PFFS plans in St Joseph cost $37.00 per month on average.
Which PFFS plan is most popular in St Joseph?
The most popular PFFS plan in St Joseph is Humana Gold Choice H8145-032 (PFFS), with 35 enrollees.
How many PFFS plans in St Joseph do not include drug coverage?
There are 0 PFFS plans in St Joseph without prescription drug coverage.
The table below shows CMS star ratings for Medicare Advantage plans in St Joseph County, IN for 2026.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | No 5-star plans available. | 0% |
| 4 Stars (includes 5 Stars) | 13 | 33% |
| 3 Stars | 27 | 68% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 3 | 7% |
| Average Rating | 3.64 | |
* Medicare Advantage star ratings are determined by CMS each year using a standardized 5-star rating system.
- CMS.gov, Medicare Advantage Landscape Source Files — Last accessed June 13, 2026
- CMS.gov, Medicare Part C & D Performance Data — Last accessed June 13, 2026
- CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Last accessed June 13, 2026
This page presents county-level Medicare Advantage (MA/MAPD) data, including plan counts, enrollment totals, averages, and percentage distributions, derived from CMS datasets using a standardized aggregation approach.
Data sources and methodology documentation .
- Medicare.gov, "Compare types of Medicare Advantage Plans" — Last accessed 25 May, 2025
- Medicare.gov, "Your coverage options" — Last accessed 25 May, 2025
- AARP.org, "The Big Choice: Original Medicare vs. Medicare Advantage" — Last accessed 25 May, 2025
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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.