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  1. 🏠
  2. Medicare Advantage Plans
  3. Kentucky
  4. Mercer County

2026 Medicare Advantage Plans in Mercer County, KY

Last update: September 1, 2026.

In Mercer County, KY, there are 32 Medicare Advantage plans available for 2026. Of these, 23 offer a $0 monthly premium, and about 31% 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 Mercer County, KY. Or explore all Medicare Options available in Mercer County, KY.

  • 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
$10.95/mo
Plans with $0 Premium
23
Average MOOP Limit
$6,958 ($9,250 max. in 2026)
Star Ratings (Plan Mix)
4+ Stars: 31% · 3 Stars: 69% · Below 3: 0%
Average Part D Deductible
$434.20
Total MA/MAPD Enrollment
1,809
Plans with the Highest Enrollment
(as of September 8, 2026)
1. Anthem Medicare Advantage (HMO-POS) — 409 enrollees
2. HumanaChoice H5216-317 (PPO) — 219 enrollees
3. HumanaChoice Giveback H7617-049 (PPO) — 129 enrollees

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.

Total PPO Plans
23
Average Monthly Premium
$11.90/mo
Total PPO Enrollment
1,136
$0 Premium PPO Plans
16
Average MOOP
$7,239
Top PPO by Enrollment
HumanaChoice H5216-317 (PPO) — 219 enrollees
PPO Plans Without Drug Coverage
7

PPO Medicare Advantage plan comparison – Mercer County, Kentucky, 2026
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Humana USAA Honor Giveback with Rx
☆☆☆☆☆
$0 $9,150 $350 H7617-005-0
HumanaChoice Giveback H7617-049
☆☆☆☆☆
$0 $9,150 $615 H7617-049-0
HumanaChoice H7617-050
☆☆☆☆☆
$0 $6,250 $350 H7617-050-0
Anthem Medicare Advantage
☆☆☆☆☆
$15 $8,000 $250 H4036-036-0
Anthem Medicare Advantage 3
☆☆☆☆☆
$44 $5,900 $300 H4036-034-0
AARP Medicare Advantage from UHC KY-0003
☆☆☆☆☆
$46 $6,700 $600 H8768-013-0
AARP Medicare Advantage Patriot No Rx KY-MA01
☆☆☆☆☆
$0 $6,700 N/A H8768-020-0
Anthem Medicare Advantage
☆☆☆☆☆
$97 $9,250 $45 R5941-016-0
Anthem Veteran
☆☆☆☆☆
$0 $9,250 N/A H4909-023-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $9,150 N/A H5216-442-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $4,000 N/A H5216-105-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $6,500 N/A H5216-225-0
Humana USAA Honor Giveback with Rx
☆☆☆☆☆
$0 $9,150 $350 H5216-396-0
HumanaChoice Giveback H5216-226
☆☆☆☆☆
$0 $6,600 $615 H5216-226-0
HumanaChoice Giveback H5216-322
☆☆☆☆☆
$0 $9,150 $615 H5216-322-0
HumanaChoice H5216-188
☆☆☆☆☆
$32 $6,600 $300 H5216-188-0
HumanaChoice H5216-317
☆☆☆☆☆
$0 $6,250 $350 H5216-317-0
HumanaChoice H5525-008
☆☆☆☆☆
$0 $6,550 $220 H5525-008-0
HumanaChoice R0110-011
☆☆☆☆☆
$0 $5,400 N/A R0110-011-0
HumanaChoice R0110-012
☆☆☆☆☆
$20 $9,150 $350 R0110-012-0
Essence Advantage Choice
☆☆☆☆☆
$20 $4,150 $340 H6200-006-0
Wellcare Patriot Giveback Open
☆☆☆☆☆
$0 $6,000 N/A H3975-002-0
Wellcare Simple Open
☆☆☆☆☆
$0 $7,500 $615 H3975-001-0
What is the total number of PPO plans offered in Mercer?

Mercer County has 23 PPO plans for 2026, with 1,136 enrolled.

How much do PPO plans cost in Mercer?

The typical PPO premium in Mercer is $11.90, and 16 plans have no monthly premium.

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
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

HMO Medicare Advantage plan comparison – Mercer County, Kentucky, 2026
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Essence Advantage
☆☆☆☆☆
$0 $3,350 $340 H2610-021-0
What is the average monthly premium for HMO plans?
HMO plans in Mercer cost $0.00 per month on average.
Which HMO plan is most popular in Mercer?
The most popular HMO plan in Mercer is , with 0 enrollees.
How many HMO plans in Mercer do not include drug coverage?
There are 0 HMO plans in Mercer 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 $9.58/mo
  • Total HMO-POS Enrollment 673
  • $0 Premium HMO-POS Plans 6
  • Average MOOP $6,600
  • Top HMO-POS by Enrollment Anthem Medicare Advantage (HMO-POS) — 409 enrollees
  • HMO-POS Plans Without Drug Coverage 0

HMO-POS Medicare Advantage plan comparison – Mercer County, Kentucky, 2026
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS 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 total number of HMO-POS plans in Mercer?

There are 8 HMO-POS plans in 2026, covering 673 enrollees.

How much do HMO-POS plans cost in Mercer?

The average HMO-POS premium in Mercer is $9.58 per month, with 6 plans offering $0 premiums.

What is the leading HMO-POS plan in Mercer?

Anthem Medicare Advantage (HMO-POS) is the top HMO-POS in Mercer, with 409 enrollees.

What is the number of HMO-POS plans without Part D coverage in Mercer?

0 HMO-POS plans in Mercer do not include prescription drug coverage.

The table below shows CMS star ratings for Medicare Advantage plans in Mercer County, KY for 2026.

CMS Star Ratings for Medicare Advantage Plans in Mercer County, KY (2026)
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

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

  • 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

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

MedicarePlans.com is an independent, non-government informational resource and is not affiliated with or endorsed by the U.S. Government or the federal Medicare program.

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.

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