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

2027 Medicare Advantage Plans in Franklin County, MO

Last update: October 5, 2026.

For 2027, Franklin County, MO includes 40 Medicare Advantage plans. Enrollment across these plans totals approximately 15,018, with 31 $0 premium options and 60% rated 4 stars or higher.

  • 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: $18.95/mo
  • $0 Premium Plans: 31
  • Average MOOP: $5,259 ($9,250 max. in 2027)
  • Star Ratings (Plan Mix): 4+ Stars: 60% · 3 Stars: 40% · Below 3: 0%
  • Average Part D Deductible: $610.48
  • Total MA/MAPD Enrollment: 15,018
  • Plans with the Highest Enrollment
    (as of October 5, 2026)
    1. AARP Medicare Advantage Essentials from UHC ST-3 (HMO-POS) — 5,293 enrollees
    2. Aetna Medicare Signature (HMO-POS) — 2,629 enrollees
    3. AARP Medicare Advantage Extras from UHC ST-4 (HMO-POS) — 1,960 enrollees

This page and its statistics exclude Medicare Advantage Special Needs Plans (SNPs). Special Needs Plans in Franklin County, MO are summarized separately. Visit Medicare Options in Franklin County, MO to see more options. For a broader perspective, explore Missouri Medicare Advantage plans, including statewide premiums, out-of-pocket costs, CMS ratings, and enrollment comparisons.

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
19
Average Monthly Premium
$32.68/mo
Total PPO Enrollment
1,115
$0 Premium PPO Plans
13
Average MOOP
$5,940
Top PPO by Enrollment
Essence Advantage Choice (PPO) — 272 enrollees
PPO Plans Without Drug Coverage
5

2027 PPO Medicare Advantage plans in Franklin County, Missouri (comparison chart)
PPO Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
Humana Full Access
☆☆☆☆☆
$0 $6,600 $500 H7617-008-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $4,700 N/A H7617-012-0
Humana Value Choice
☆☆☆☆☆
$0 $4,400 $700 H7617-023-0
AARP Medicare Advantage from UHC ST-0001
☆☆☆☆☆
$58 $7,150 $685 H2406-043-0
Aetna Medicare Elite
☆☆☆☆☆
$0 $4,900 $700 H5521-750-0
Aetna Medicare Elite Classic
☆☆☆☆☆
$0 $5,900 $700 H1608-050-0
Aetna Medicare Elite Classic Extra
☆☆☆☆☆
$0 $4,900 $700 H1608-067-0
Aetna Medicare Enhanced
☆☆☆☆☆
$70 $7,500 $700 H5521-748-0
Aetna Medicare Enhanced Classic
☆☆☆☆☆
$70 $7,500 $700 H1608-013-0
Essence Advantage Choice
☆☆☆☆☆
$40 $9,850 $700 H6200-001-0
Essence Advantage Premier Plus
☆☆☆☆☆
$264 $2,900 $700 H6200-008-0
Humana Full Access
☆☆☆☆☆
$0 $6,350 $500 H5216-407-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $4,700 N/A H5216-278-1
Humana Value Choice
☆☆☆☆☆
$0 $4,450 $700 H5216-318-1
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $5,500 N/A R1532-001-0
HumanaChoice R1532-002
☆☆☆☆☆
$119 $7,700 $700 R1532-002-0
Anthem Veteran
☆☆☆☆☆
$0 $6,751 N/A H4909-021-0
Wellcare Patriot Giveback Open
☆☆☆☆☆
$0 $4,000 N/A H7518-002-0
Wellcare Simple Open
☆☆☆☆☆
$0 $7,100 $700 H7518-001-0

What is the average monthly premium for PPO plans in Franklin?

PPO plans in Franklin cost $32.68 per month on average.

Which PPO plan has the highest enrollment in Franklin?

The most popular PPO plan in Franklin is Essence Advantage Choice (PPO), with 272 enrollees.

How many PPO plans in Franklin do not include prescription drug coverage?

5 PPO plans in Franklin 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 10
  • Average Monthly Premium $5.90/mo
  • Total HMO Enrollment 2,977
  • $0 Premium HMO Plans 9
  • Average MOOP $4,020
  • Top HMO by Enrollment Essence Advantage Select (HMO) — 1,556 enrollees
  • HMO Plans Without Drug Coverage 0

2027 HMO Medicare Advantage plans in Franklin County, Missouri (comparison chart)
Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
Humana Essentials Plus Giveback
☆☆☆☆☆
$0 $4,200 $700 H4461-045-0
Humana Essentials Plus Giveback
☆☆☆☆☆
$0 $4,200 $700 H0028-065-0
Humana Total Complete
☆☆☆☆☆
$0 $2,850 $700 H4461-046-0
Humana Total Complete
☆☆☆☆☆
$0 $2,850 $700 H0028-014-0
DEVOTED CORE 001 MO
☆☆☆☆☆
$0 $3,100 $650 H2041-001-0
DEVOTED GIVEBACK 002 MO
☆☆☆☆☆
$0 $7,150 $461 H2041-002-0
DEVOTED GIVEBACK EXTRAS 028 MO
☆☆☆☆☆
$0 $5,100 $700 H2041-028-0
Essence Advantage
☆☆☆☆☆
$0 $3,400 $0 H2610-005-0
Essence Advantage Plus
☆☆☆☆☆
$59 $2,900 $450 H2610-006-0
Essence Advantage Select
☆☆☆☆☆
$0 $4,450 $450 H2610-016-0
What is the top HMO by enrollment in Franklin?

Essence Advantage Select (HMO) is the top HMO in Franklin, with 1,556 enrollees.

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

0 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
11
Average Monthly Premium
$7.09/mo
Total HMO-POS Enrollment
10,926
$0 Premium HMO-POS Plans
9
Average MOOP
$5,209
Top HMO-POS by Enrollment
AARP Medicare Advantage Essentials from UHC ST-3 (HMO-POS) — 5,293 enrollees
HMO-POS Plans Without Drug Coverage
2

2027 HMO-POS Medicare Advantage plans in Franklin County, Missouri (comparison chart)
Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
AARP Medicare Advantage CareFlex from UHC ST-6
☆☆☆☆☆
$0 $7,150 $685 H2802-073-0
AARP Medicare Advantage Essentials from UHC ST-3
☆☆☆☆☆
$0 $4,450 $685 H2802-028-0
AARP Medicare Advantage Extras from UHC ST-4
☆☆☆☆☆
$19 $4,450 $685 H2802-052-0
AARP Medicare Advantage from UHC ST-1P
☆☆☆☆☆
$0 $4,100 $685 H2802-071-0
AARP Medicare Advantage Patriot No Rx MO-MA01
☆☆☆☆☆
$0 $5,900 N/A H2802-050-0
Aetna Medicare Eagle
☆☆☆☆☆
$0 $4,900 N/A H2663-069-0
Aetna Medicare Enhanced Extra
☆☆☆☆☆
$59 $5,900 $700 H2663-006-0
Aetna Medicare Signature
☆☆☆☆☆
$0 $3,400 $500 H2663-005-0
Aetna Medicare Value Plus
☆☆☆☆☆
$0 $5,500 $400 H2663-057-0
Anthem Medicare Advantage
☆☆☆☆☆
$0 $4,450 $210 H3447-038-2
Wellcare Simple
☆☆☆☆☆
$0 $7,100 $700 H1664-001-0

What is the typical premium for HMO-POS plans in Franklin?

HMO-POS plans in Franklin cost $7.09 per month on average.

Which HMO-POS plan has the most members in Franklin?

The most popular HMO-POS plan in Franklin is AARP Medicare Advantage Essentials from UHC ST-3 (HMO-POS), with 5,293 enrollees.

How many HMO-POS options are offered without prescription drug coverage in Franklin?

There are 2 HMO-POS plans in Franklin without prescription drug coverage.

CMS quality ratings for Medicare Advantage plans in Franklin County, MO (2027) are summarized below.

Medicare Advantage Plan Ratings in Franklin County, MO (2027)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 24 60%
3 Stars 16 40%
Below 3 Stars 0 0%
Not Rated 0 0%
Average Rating 3.83

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

Medicare Advantage plans listed on this page are available to eligible beneficiaries residing in Franklin County, Missouri, including communities such as Beaufort, Catawissa, Gerald, Labadie, Leslie, Lonedell, New Haven, Pacific, Robertsville, Saint Clair, Sullivan, Union, Villa Ridge, Washington, and other areas throughout the county. Plan availability is determined by county of residence, not by city.

  • CMS.gov, Medicare Advantage & Special Needs Plan Landscape Source Files — Version: 202609
  • CMS.gov, Medicare Part C & D Performance Data — Version: 2026
  • CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Version: 2026-09

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, non-government informational resource and is not affiliated with or endorsed by 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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