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  1. 🏠
  2. Medicare Advantage Plans
  3. Massachusetts
  4. Middlesex County

2026 Medicare Advantage Plans in Middlesex County, MA

Last update: September 2, 2026.

For 2026, Middlesex County, MA includes 33 Medicare Advantage plans. Enrollment across these plans totals approximately 75,486, with 16 $0 premium options and 77% rated 4 stars or higher.

This page and its statistics exclude Medicare Advantage Special Needs Plans (SNPs). Special Needs Plans in Middlesex County, MA are summarized separately. Visit Medicare Options in Middlesex County, MA 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: $73.21/mo
  • $0 Premium Plans: 16
  • Average MOOP: $5,315 ($9,250 max. in 2026)
  • Star Ratings (Plan Mix): 4+ Stars: 77% · 3 Stars: 23% · Below 3: 0%
  • Average Part D Deductible: $309.82
  • Total MA/MAPD Enrollment: 75,486
  • Plans with the Highest Enrollment
    (as of September 8, 2026)
    1. Tufts Medicare Preferred HMO Smart Saver Rx (HMO) — 15,935 enrollees
    2. AARP Medicare Advantage from UHC MA-0003 (HMO-POS) — 8,088 enrollees
    3. Tufts Medicare Preferred HMO Basic Rx (HMO) — 6,409 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
14
Average Monthly Premium
$73.57/mo
Total PPO Enrollment
25,153
$0 Premium PPO Plans
7
Average MOOP
$5,743
Top PPO by Enrollment
AARP Medicare Advantage from UHC MA-0006 (PPO) — 5,200 enrollees
PPO Plans Without Drug Coverage
2

2026 PPO Medicare Advantage plans in Middlesex County, Massachusetts (comparison chart)
Plan Name CMS Stars* Premium/Mo MOOP Rx Ded. CMS ID
Aetna Medicare Eagle Giveback
☆☆☆☆☆
$0 $5,900 N/A H5521-296-0
Aetna Medicare Signature
☆☆☆☆☆
$0 $6,750 $615 H5521-451-0
Aetna Medicare Signature Extra
☆☆☆☆☆
$0 $5,900 $615 H5521-159-0
Medicare PPO Blue EssentialRx
☆☆☆☆☆
$59 $9,250 $615 H2230-019-0
Medicare PPO Blue PlusRx
☆☆☆☆☆
$300 $4,200 $200 H2230-002-0
Medicare PPO Blue ValueRx
☆☆☆☆☆
$108 $6,600 $0 H2230-018-1
Tufts Medicare Preferred PPO RX
☆☆☆☆☆
$40 $6,750 $615 H9907-002-3
AARP Medicare Advantage from UHC MA-0006
☆☆☆☆☆
$48 $6,700 $600 H8768-055-2
AARP Medicare Advantage Patriot No Rx MA-MA01
☆☆☆☆☆
$0 $6,700 N/A H8768-045-0
Mass General Brigham Advantage
☆☆☆☆☆
$0 $5,500 $350 H9485-001-0
Mass General Brigham Advantage Premier
☆☆☆☆☆
$150 $3,150 $350 H9485-002-0
Mass General Brigham Advantage Signature
☆☆☆☆☆
$325 $0 $350 H9485-003-0
EternalHealth Freedom
☆☆☆☆☆
$0 $6,500 $185 H2694-001-0
EternalHealth Give Back
☆☆☆☆☆
$0 $6,500 $350 H2694-002-0
What is the average monthly premium for PPO plans in Middlesex?
PPO plans in Middlesex cost $73.57 per month on average.
Which PPO plan has the highest enrollment in Middlesex?
The most popular PPO plan in Middlesex is AARP Medicare Advantage from UHC MA-0006 (PPO), with 5,200 enrollees.
How many PPO plans in Middlesex do not include prescription drug coverage?
2 PPO plans in Middlesex 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
14
Average Monthly Premium
$86.14/mo
Total HMO Enrollment
34,673
$0 Premium HMO Plans
6
Average MOOP
$4,636
Top HMO by Enrollment
Tufts Medicare Preferred HMO Smart Saver Rx (HMO) — 15,935 enrollees
HMO Plans Without Drug Coverage
3

2026 HMO Medicare Advantage plans in Middlesex County, Massachusetts (comparison chart)
Plan Name CMS Stars* Premium/Mo MOOP Rx Ded. CMS ID
Medicare HMO Blue PlusRx
☆☆☆☆☆
$245 $3,800 $200 H2261-005-0
Medicare HMO Blue ValueRx
☆☆☆☆☆
$65 $3,750 $320 H2261-022-1
Fallon Medicare Plus Blue
☆☆☆☆☆
$174 $3,400 $0 H9001-031-18
Fallon Medicare Plus Green
☆☆☆☆☆
$78 $5,200 $300 H9001-030-18
Fallon Medicare Plus Orange
☆☆☆☆☆
$0 $7,550 $400 H9001-038-0
Fallon Medicare Plus Saver No Rx
☆☆☆☆☆
$0 $6,700 N/A H9001-039-0
Tufts Medicare Preferred HMO Basic Rx
☆☆☆☆☆
$58 $3,850 $0 H2256-026-2
Tufts Medicare Preferred HMO Prime No Rx
☆☆☆☆☆
$0 $3,850 N/A H2256-016-2
Tufts Medicare Preferred HMO Prime Rx
☆☆☆☆☆
$193 $3,850 $0 H2256-015-2
Tufts Medicare Preferred HMO Prime Rx Plus
☆☆☆☆☆
$227 $3,850 $0 H2256-001-2
Tufts Medicare Preferred HMO Smart Saver Rx
☆☆☆☆☆
$0 $6,400 $615 H2256-046-0
Tufts Medicare Preferred HMO Value No Rx
☆☆☆☆☆
$0 $3,850 N/A H2256-019-7
Tufts Medicare Preferred HMO Value Rx
☆☆☆☆☆
$166 $3,850 $0 H2256-018-7
EternalHealth Forever
☆☆☆☆☆
$0 $5,000 $250 H1280-001-0
What is the total number of HMO plans offered in Middlesex?

There are 14 HMO plans in 2026, covering 34,673 enrollees.

How much do HMO plans cost in Middlesex?

The average HMO premium in Middlesex is $86.14 per month, with 6 plans offering $0 premiums.

What is the top HMO by enrollment in Middlesex?

Tufts Medicare Preferred HMO Smart Saver Rx (HMO) is the top HMO in Middlesex, with 15,935 enrollees.

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

3 HMO plans in Middlesex 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
5
Average Monthly Premium
$36.00/mo
Total HMO-POS Enrollment
15,660
$0 Premium HMO-POS Plans
3
Average MOOP
$6,020
Top HMO-POS by Enrollment
AARP Medicare Advantage from UHC MA-0003 (HMO-POS) — 8,088 enrollees
HMO-POS Plans Without Drug Coverage
0

2026 HMO-POS Medicare Advantage plans in Middlesex County, Massachusetts (comparison chart)
Plan Name CMS Stars* Premium/Mo MOOP Rx Ded. CMS ID
Medicare HMO Blue FlexRx
☆☆☆☆☆
$118 $4,100 $260 H2261-023-1
Medicare HMO Blue SaverRx
☆☆☆☆☆
$0 $9,200 $0 H2261-024-0
AARP Medicare Advantage from UHC MA-0003
☆☆☆☆☆
$0 $6,700 $520 H5253-157-2
Aetna Medicare Signature
☆☆☆☆☆
$0 $6,750 $615 H5793-018-0
Mass General Brigham Advantage Secure
☆☆☆☆☆
$62 $3,350 $350 H6847-001-0

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

HMO-POS plans in Middlesex cost $36.00 per month on average.

Which HMO-POS plan is most popular in Middlesex?

The most popular HMO-POS plan in Middlesex is AARP Medicare Advantage from UHC MA-0003 (HMO-POS), with 8,088 enrollees.

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

There are 0 HMO-POS plans in Middlesex without prescription drug coverage.

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

Medicare Advantage Plan Ratings in Middlesex County, MA (2026)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 23 77%
3 Stars 7 23%
Below 3 Stars 0 0%
Not Rated 3 9%
Average Rating 4.05

* 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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