2026 Medicare Advantage Plans in Charles County, MD
Last update: . Enrollment data updated: May 2, 2026
For 2026, Charles County, MD includes 16 Medicare Advantage plans. Enrollment across these plans totals approximately 3,917, with 8 $0 premium options and 31% rated 4 stars or higher.
Totals on this page exclude Medicare Advantage Special Needs Plans (SNPs). SNP plans for Charles County, MD are provided separately. Or you can discover all Medicare Options in Charles County, MD.
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
- 8
- Average Monthly Premium
- $14.34/mo
- Total PPO Enrollment
- 2,670
- $0 Premium PPO Plans
- 4
- Average MOOP
- $7,206
- Top PPO by Enrollment
- HumanaChoice H7617-044 (PPO) — 968 enrollees
- PPO Plans Without Drug Coverage
- 3
| PPO Plan Name | Rating* | Premium | MOOP | Rx Ded. | Plan-ID |
|---|---|---|---|---|---|
| HumanaChoice H7617-044 | $9 | $7,550 | $615 | H7617-044-0 | |
| CareFirst BlueCross BlueShield Advantage Complete | $42 | $7,300 | $0 | H7379-002-0 | |
| CareFirst BlueCross BlueShield Advantage Essential | $0 | $8,300 | $0 | H7379-001-0 | |
| CareFirst BlueCross BlueShield Advantage Salute | $0 | $5,900 | N/A | H7379-003-0 | |
| Humana USAA Honor Giveback | $0 | $6,750 | N/A | H5216-386-1 | |
| Humana USAA Honor Giveback | $0 | $6,750 | N/A | H5216-379-0 | |
| HumanaChoice H5216-376 | $9 | $7,550 | $615 | H5216-376-0 | |
| HumanaChoice H5216-387 | $54 | $7,550 | $500 | H5216-387-1 |
What is the typical premium for PPO plans available in Charles?
PPO plans in Charles cost $14.34 per month on average.
Which PPO plan do most beneficiaries choose in Charles?
The most popular PPO plan in Charles is HumanaChoice H7617-044 (PPO), with 968 enrollees.
How many PPO options are offered without drug coverage in Charles?
3 PPO plans in Charles 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 6
- Average Monthly Premium $25.33/mo
- Total HMO Enrollment 635
- $0 Premium HMO Plans 4
- Average MOOP $7,475
- Top HMO by Enrollment Kaiser Permanente Medicare Advantage Value 1 MD (HMO) — 545 enrollees
- HMO Plans Without Drug Coverage 2
| Plan Name | Rating* | Premium | MOOP | Rx Ded. | Plan-ID |
|---|---|---|---|---|---|
| Kaiser Permanente Medicare Advantage Liberty | $0 | $5,900 | N/A | H2172-005-0 | |
| Kaiser Permanente Medicare Advantage Value 1 MD | $0 | $8,200 | $0 | H2172-025-0 | |
| Alterwood Advantage Choice | $30 | $7,500 | $0 | H9306-008-1 | |
| Alterwood Advantage Choice Plus | $122 | $6,500 | $0 | H9306-002-0 | |
| Alterwood Advantage Freedom | $0 | $9,250 | N/A | H9306-003-0 | |
| Alterwood Advantage Select | $0 | $7,500 | $295 | H9306-009-1 |
What is the total number of HMO plans offered in Charles?
In 2026, Charles County has 6 HMO plans with 635 enrollees.
How much do HMO plans cost in Charles?
The typical HMO premium in Charles is $25.33, and 4 plans have no monthly premium.
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
- 2
- Average Monthly Premium
- $66.00/mo
- Total HMO-POS Enrollment
- 612
- $0 Premium HMO-POS Plans
- 0
- Average MOOP
- $6,800
- Top HMO-POS by Enrollment
- Kaiser Permanente Medicare Advantage Standard 1 MD (HMO-POS) — 511 enrollees
- HMO-POS Plans Without Drug Coverage
- 0
| Plan Name | Rating* | Premium | MOOP | Rx Ded. | Plan-ID |
|---|---|---|---|---|---|
| Kaiser Permanente Medicare Advantage High MD | $104 | $5,700 | $0 | H2172-002-0 | |
| Kaiser Permanente Medicare Advantage Standard 1 MD | $28 | $7,900 | $0 | H2172-021-0 |
- What is the average monthly premium for HMO-POS plans?
- HMO-POS plans in Charles cost $66.00 per month on average.
- Which HMO-POS plan is most popular in Charles?
- The most popular HMO-POS plan in Charles is Kaiser Permanente Medicare Advantage Standard 1 MD (HMO-POS), with 511 enrollees.
- How many HMO-POS plans in Charles do not include drug coverage?
- There are 0 HMO-POS plans in Charles without prescription drug coverage.
CMS quality ratings for Medicare Advantage plans in Charles County, MD (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) | 5 | 31% |
| 3 Stars | 11 | 69% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 0 | 0% |
| Average Rating | 3.81 | |
* Star ratings are based on CMS quality measures and reflect plan performance for the 2026 rating period.
- 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, "Explore your Medicare coverage options" — 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.