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  1. 🏠
  2. Medicare Advantage Plans
  3. Iowa
  4. Franklin County

2026 Medicare Advantage Plans in Franklin County, IA

Last update: September 2, 2026.

For 2026, Franklin County, IA includes 22 Medicare Advantage plans. Enrollment across these plans totals approximately 281, with 16 $0 premium options and 48% rated 4 stars or higher.

This page and its statistics exclude Medicare Advantage Special Needs Plans (SNPs). Special Needs Plans in Franklin County, IA are summarized separately. Visit Medicare Options in Franklin County, IA to see more options.

  • 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: $11.40/mo
  • $0 Premium Plans: 16
  • Average MOOP: $5,430 ($9,250 max. in 2026)
  • Star Ratings (Plan Mix): 4+ Stars: 48% · 3 Stars: 52% · Below 3: 0%
  • Average Part D Deductible: $472.94
  • Total MA/MAPD Enrollment: 281
  • Plans with the Highest Enrollment
    (as of September 8, 2026)
    1. Blue Medicare Advantage PPO (PPO) — 113 enrollees
    2. MercyOne Health Plan Choice (PPO) — 45 enrollees
    3. Wellcare Simple (HMO-POS) — 28 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
12
Average Monthly Premium
$11.00/mo
Total PPO Enrollment
195
$0 Premium PPO Plans
9
Average MOOP
$5,692
Top PPO by Enrollment
Blue Medicare Advantage PPO (PPO) — 113 enrollees
PPO Plans Without Drug Coverage
3

2026 PPO Medicare Advantage plans in Franklin County, Iowa (comparison chart)
Plan Name CMS Stars* Premium/Mo MOOP Rx Ded. CMS ID
MercyOne Health Plan Choice
☆☆☆☆☆
$0 $4,400 $200 H1846-007-0
AARP Medicare Advantage from UHC IA-0003
☆☆☆☆☆
$37 $5,900 $600 H8768-017-2
AARP Medicare Advantage Patriot No Rx IA-MA01
☆☆☆☆☆
$0 $8,900 N/A H8768-018-0
Aetna Medicare Elite
☆☆☆☆☆
$0 $5,500 $615 H1608-037-0
Aetna Medicare Enhanced Extra
☆☆☆☆☆
$57 $4,500 $615 H1608-117-0
Aetna Medicare Signature
☆☆☆☆☆
$0 $5,000 $615 H1608-001-0
Blue Medicare Advantage PPO
☆☆☆☆☆
$0 $4,150 $300 H5900-001-0
Blue Medicare Advantage Valor PPO
☆☆☆☆☆
$0 $6,750 N/A H5900-006-0
Humana Full Access H5216-411
☆☆☆☆☆
$0 $4,250 $400 H5216-411-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $4,700 N/A H5216-278-1
HumanaChoice Giveback H5216-340
☆☆☆☆☆
$0 $5,000 $600 H5216-340-0
HumanaChoice H5216-014
☆☆☆☆☆
$38 $9,250 $615 H5216-014-0
What is the average monthly premium for PPO plans in Franklin?
PPO plans in Franklin cost $11.00 per month on average.
Which PPO plan has the highest enrollment in Franklin?
The most popular PPO plan in Franklin is Blue Medicare Advantage PPO (PPO), with 113 enrollees.
How many PPO plans in Franklin do not include prescription drug coverage?
3 PPO plans in Franklin do not include prescription drug coverage.

Medicare Advantage HMO Plans

Health Maintenance Organization (HMO) plans are built around a defined network of doctors and hospitals. Care is generally covered only within the network, except in emergencies, but this structure often results in lower premiums and out-of-pocket costs.

Total HMO Plans
4
Average Monthly Premium
$5.70/mo
Total HMO Enrollment
20
$0 Premium HMO Plans
3
Average MOOP
$5,225
Top HMO by Enrollment
MercyOne Health Plan No Premium (HMO) — 20 enrollees
HMO Plans Without Drug Coverage
1

2026 HMO Medicare Advantage plans in Franklin County, Iowa (comparison chart)
Plan Name CMS Stars* Premium/Mo MOOP Rx Ded. CMS ID
MercyOne Health Plan Cash Back
☆☆☆☆☆
$0 $6,900 $250 H3668-031-0
MercyOne Health Plan Glory No RX
☆☆☆☆☆
$0 $5,900 N/A H3668-029-0
MercyOne Health Plan No Premium
☆☆☆☆☆
$0 $4,200 $150 H3668-025-0
MercyOne Health Plan Plus
☆☆☆☆☆
$23 $3,900 $100 H3668-026-0
What is the total number of HMO plans offered in Franklin?

There are 4 HMO plans in 2026, covering 20 enrollees.

How much do HMO plans cost in Franklin?

The average HMO premium in Franklin is $5.70 per month, with 3 plans offering $0 premiums.

What is the top HMO by enrollment in Franklin?

MercyOne Health Plan No Premium (HMO) is the top HMO in Franklin, with 20 enrollees.

What is the number of HMO plans without Part D coverage in Franklin?

1 HMO plans in Franklin do not include prescription drug coverage.

Medicare Advantage HMO-POS Plans

HMO-POS plans are structured like HMOs, requiring in-network care for the lowest costs, while allowing limited out-of-network access at higher cost. This provides added flexibility compared with standard HMO plans.

Total HMO-POS Plans
6
Average Monthly Premium
$16.00/mo
Total HMO-POS Enrollment
66
$0 Premium HMO-POS Plans
4
Average MOOP
$5,042
Top HMO-POS by Enrollment
Wellcare Simple (HMO-POS) — 28 enrollees
HMO-POS Plans Without Drug Coverage
1

2026 HMO-POS Medicare Advantage plans in Franklin County, Iowa (comparison chart)
Plan Name CMS Stars* Premium/Mo MOOP Rx Ded. CMS ID
Aetna Medicare Eagle
☆☆☆☆☆
$0 $6,750 N/A H1609-058-0
Aetna Medicare Signature
☆☆☆☆☆
$0 $4,300 $615 H1609-001-0
Aetna Medicare Signature Extra
☆☆☆☆☆
$0 $5,000 $615 H1609-069-0
Aetna Medicare Value Care
☆☆☆☆☆
$41 $3,900 $615 H1609-068-0
AARP Medicare Advantage from UHC IA-0002
☆☆☆☆☆
$55 $5,900 $520 H5253-108-2
Wellcare Simple
☆☆☆☆☆
$0 $4,400 $615 H1862-005-0

What is the average monthly premium for HMO-POS plans?

HMO-POS plans in Franklin cost $16.00 per month on average.

Which HMO-POS plan is most popular in Franklin?

The most popular HMO-POS plan in Franklin is Wellcare Simple (HMO-POS), with 28 enrollees.

How many HMO-POS plans in Franklin do not include drug coverage?

There are 1 HMO-POS plans in Franklin without prescription drug coverage.

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

Medicare Advantage Plan Ratings in Franklin County, IA (2026)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 10 48%
3 Stars 11 52%
Below 3 Stars 0 0%
Not Rated 1 5%
Average Rating 3.93

* CMS assigns Medicare Advantage star ratings annually based on plan quality and performance measures.

  • 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

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, "Compare Original Medicare & Medicare Advantage" — 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 informational resource and has no affiliation with, or endorsement from, 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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