2026 Medicare Advantage Plans in Mercer County, KY
Last update: . Enrollment data updated: May 2, 2026
For 2026, Mercer County, KY includes 32 Medicare Advantage plans. Enrollment across these plans totals approximately 1,786, with 23 $0 premium options and 31% rated 4 stars or higher.
This page and its statistics exclude Medicare Advantage Special Needs Plans (SNPs). Special Needs Plans in Mercer County, KY are summarized separately. Visit Medicare Options in Mercer County, KY to see more options.
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
- 23
- Average Monthly Premium
- $11.90/mo
- Total PPO Enrollment
- 1,126
- $0 Premium PPO Plans
- 16
- Average MOOP
- $7,239
- Top PPO by Enrollment
- HumanaChoice H5216-317 (PPO) — 221 enrollees
- PPO Plans Without Drug Coverage
- 7
What is the average monthly premium for PPO plans in Mercer?
PPO plans in Mercer cost $11.90 per month on average.
Which PPO plan has the highest enrollment in Mercer?
The most popular PPO plan in Mercer is HumanaChoice H5216-317 (PPO), with 221 enrollees.
How many PPO plans in Mercer do not include prescription drug coverage?
7 PPO plans in Mercer 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 1
- Average Monthly Premium $0.00/mo
- Total HMO Enrollment 0
- $0 Premium HMO Plans 1
- Average MOOP $3,350
- Top HMO by Enrollment — 0 enrollees
- HMO Plans Without Drug Coverage 0
| Plan Name | Rating* | Premium | MOOP | Rx Ded. | Plan-ID |
|---|---|---|---|---|---|
| Essence Advantage | $0 | $3,350 | $340 | H2610-021-0 |
What is the top HMO by enrollment in Mercer?
is the top HMO in Mercer, with 0 enrollees.
What is the number of HMO plans without Part D coverage in Mercer?
0 HMO plans in Mercer 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
- 8
- Average Monthly Premium
- $9.58/mo
- Total HMO-POS Enrollment
- 660
- $0 Premium HMO-POS Plans
- 6
- Average MOOP
- $6,600
- Top HMO-POS by Enrollment
- Anthem Medicare Advantage (HMO-POS) — 407 enrollees
- HMO-POS Plans Without Drug Coverage
- 0
| Plan Name | Rating* | Premium | MOOP | Rx Ded. | Plan-ID |
|---|---|---|---|---|---|
| AARP Medicare Advantage Essentials from UHC KY-1 | $0 | $6,700 | $520 | H5253-099-0 | |
| AARP Medicare Advantage Extras from UHC KY-5 | $0 | $6,700 | $600 | H5253-128-0 | |
| AARP Medicare Advantage from UHC KY-0002 | $45 | $5,400 | $520 | H5253-100-0 | |
| AARP Medicare Advantage Giveback from UHC KY-4 | $0 | $6,700 | $600 | H5253-127-0 | |
| Anthem Medicare Advantage | $0 | $6,300 | $230 | H9525-013-1 | |
| Wellcare Assist | $32 | $5,000 | $550 | H9730-010-0 | |
| Wellcare Giveback | $0 | $9,000 | $615 | H9730-007-0 | |
| Wellcare Simple | $0 | $7,000 | $615 | H9730-009-0 |
What is the typical premium for HMO-POS plans in Mercer?
HMO-POS plans in Mercer cost $9.58 per month on average.
Which HMO-POS plan has the most members in Mercer?
The most popular HMO-POS plan in Mercer is Anthem Medicare Advantage (HMO-POS), with 407 enrollees.
How many HMO-POS options are offered without prescription drug coverage in Mercer?
There are 0 HMO-POS plans in Mercer without prescription drug coverage.
CMS quality ratings for Medicare Advantage plans in Mercer County, KY (2026) are summarized below.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | No 5-star plans available. | 0% |
| 4 Stars (includes 5 Stars) | 10 | 31% |
| 3 Stars | 22 | 69% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 0 | 0% |
| Average Rating | 3.67 | |
* CMS assigns Medicare Advantage star ratings annually based on plan quality and performance measures.
- CMS.gov, Medicare Advantage Landscape Source Files — Last accessed May 2, 2026
- CMS.gov, Medicare Part C & D Performance Data — Last accessed May 2, 2026
- CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Last accessed May 2, 2026
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
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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.