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

2026 Medicare Advantage Plans in Washington County, MO

Last update: September 1, 2026.

In Washington County, MO, there are 45 Medicare Advantage plans available for 2026. Of these, 36 offer a $0 monthly premium, and about 44% 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 Washington County, MO. Or explore all Medicare Options available in Washington County, MO.

  • PPO Plans
  • HMO Plans
  • HMO-POS Plans
  • PFFS Plans

At a Glance

County-level summary of Medicare Advantage plan availability and enrollment based on CMS data.

Average Monthly Premium
$15.91/mo
Plans with $0 Premium
36
Average MOOP Limit
$4,907 ($9,250 max. in 2026)
Star Ratings (Plan Mix)
4+ Stars: 44% · 3 Stars: 51% · Below 3: 5%
Average Part D Deductible
$480.68
Total MA/MAPD Enrollment
2,280
Plans with the Highest Enrollment
(as of September 8, 2026)
1. AARP Medicare Advantage Essentials from UHC ST-3 (HMO-POS) — 457 enrollees
2. AARP Medicare Advantage Extras from UHC ST-4 (HMO-POS) — 321 enrollees
3. Humana Gold Plus H0028-014 (HMO) — 255 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
21
Average Monthly Premium
$27.90/mo
Total PPO Enrollment
345
$0 Premium PPO Plans
15
Average MOOP
$5,412
Top PPO by Enrollment
Humana Value Choice H5216-318 (PPO) — 97 enrollees
PPO Plans Without Drug Coverage
5

PPO Medicare Advantage plan comparison – Washington County, Missouri, 2026
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Humana Full Access H7617-008
☆☆☆☆☆
$0 $5,000 $400 H7617-008-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $4,700 N/A H7617-012-0
Humana Value Choice H7617-023
☆☆☆☆☆
$0 $3,500 $615 H7617-023-0
AARP Medicare Advantage from UHC ST-0001
☆☆☆☆☆
$53 $4,500 $520 H2406-043-0
AARP Medicare Advantage from UHC ST-2
☆☆☆☆☆
$0 $6,700 $600 H2406-069-0
Aetna Medicare Elite
☆☆☆☆☆
$0 $4,500 $615 H1608-050-0
Aetna Medicare Enhanced
☆☆☆☆☆
$60 $7,500 $615 H1608-013-0
Aetna Medicare Signature
☆☆☆☆☆
$0 $4,200 $615 H1608-067-0
Anthem Veteran
☆☆☆☆☆
$0 $6,751 N/A H4909-021-0
Humana Full Access H5216-407
☆☆☆☆☆
$0 $5,000 $400 H5216-407-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $4,700 N/A H5216-278-1
Humana Value Choice H5216-318
☆☆☆☆☆
$0 $3,500 $615 H5216-318-1
HumanaChoice H5216-032
☆☆☆☆☆
$63 $9,250 $615 H5216-032-0
Essence Advantage Choice
☆☆☆☆☆
$0 $5,400 $340 H6200-001-0
Essence Advantage Premier Plus
☆☆☆☆☆
$254 $2,000 $615 H6200-008-0
HealthSpring True Choice Savings
☆☆☆☆☆
$0 $4,250 $200 H7849-077-0
UHC Medicare Advantage AM-0002
☆☆☆☆☆
$106 $9,250 $600 R3444-012-0
Wellcare Patriot Giveback Open
☆☆☆☆☆
$0 $4,000 N/A H7518-002-0
Wellcare Simple Open
☆☆☆☆☆
$0 $6,000 $615 H7518-001-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $5,500 N/A R1532-001-0
HumanaChoice R1532-002
☆☆☆☆☆
$50 $7,450 $615 R1532-002-0
What is the total number of PPO plans offered in Washington?

Washington County has 21 PPO plans for 2026, with 345 enrolled.

How much do PPO plans cost in Washington?

The typical PPO premium in Washington is $27.90, and 15 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
11
Average Monthly Premium
$5.36/mo
Total HMO Enrollment
722
$0 Premium HMO Plans
10
Average MOOP
$3,923
Top HMO by Enrollment
Humana Gold Plus H0028-014 (HMO) — 255 enrollees
HMO Plans Without Drug Coverage
0

HMO Medicare Advantage plan comparison – Washington County, Missouri, 2026
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Essence Advantage
☆☆☆☆☆
$0 $3,400 $0 H2610-005-0
Essence Advantage Plus
☆☆☆☆☆
$59 $2,900 $0 H2610-006-0
Essence Advantage Select
☆☆☆☆☆
$0 $3,900 $340 H2610-016-0
Humana Essentials Plus Giveback H4461-045
☆☆☆☆☆
$0 $4,200 $615 H4461-045-0
Humana Total Complete H4461-046
☆☆☆☆☆
$0 $2,700 $615 H4461-046-0
HealthSpring Preferred
☆☆☆☆☆
$0 $2,300 $200 H0439-020-0
HealthSpring Preferred Savings
☆☆☆☆☆
$0 $6,750 $0 H0439-021-0
Humana Gold Plus Giveback H0028-065
☆☆☆☆☆
$0 $4,200 $615 H0028-065-0
Humana Gold Plus H0028-014
☆☆☆☆☆
$0 $2,700 $615 H0028-014-0
DEVOTED CORE 001 MO
☆☆☆☆☆
$0 $3,100 $385 H2041-001-0
DEVOTED GIVEBACK 002 MO
☆☆☆☆☆
$0 $7,000 $605 H2041-002-0
What is the average monthly premium for HMO plans?
HMO plans in Washington cost $5.36 per month on average.
Which HMO plan is most popular in Washington?
The most popular HMO plan in Washington is Humana Gold Plus H0028-014 (HMO), with 255 enrollees.
How many HMO plans in Washington do not include drug coverage?
There are 0 HMO plans in Washington 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 12
  • Average Monthly Premium $5.91/mo
  • Total HMO-POS Enrollment 1,213
  • $0 Premium HMO-POS Plans 10
  • Average MOOP $4,775
  • Top HMO-POS by Enrollment AARP Medicare Advantage Essentials from UHC ST-3 (HMO-POS) — 457 enrollees
  • HMO-POS Plans Without Drug Coverage 2

HMO-POS Medicare Advantage plan comparison – Washington County, Missouri, 2026
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
AARP Medicare Advantage CareFlex from UHC ST-6
☆☆☆☆☆
$0 $6,700 $600 H2802-073-0
AARP Medicare Advantage Essentials from UHC ST-3
☆☆☆☆☆
$0 $3,200 $440 H2802-028-0
AARP Medicare Advantage Extras from UHC ST-4
☆☆☆☆☆
$0 $3,900 $520 H2802-052-0
AARP Medicare Advantage from UHC ST-1P
☆☆☆☆☆
$0 $2,900 $355 H2802-071-0
AARP Medicare Advantage Patriot No Rx MO-MA01
☆☆☆☆☆
$0 $4,900 N/A H2802-050-0
Aetna Medicare Eagle
☆☆☆☆☆
$0 $4,900 N/A H2663-069-0
Aetna Medicare Enhanced Extra
☆☆☆☆☆
$40 $5,900 $615 H2663-006-0
Aetna Medicare Signature
☆☆☆☆☆
$0 $4,200 $615 H2663-041-0
Aetna Medicare Value Plus
☆☆☆☆☆
$31 $4,200 $615 H2663-057-0
Anthem Medicare Advantage
☆☆☆☆☆
$0 $3,500 $210 H3447-038-2
Wellcare Giveback
☆☆☆☆☆
$0 $7,000 $615 H1664-006-0
Wellcare Simple
☆☆☆☆☆
$0 $6,000 $615 H1664-001-0
What is the total number of HMO-POS plans in Washington?

There are 12 HMO-POS plans in 2026, covering 1,213 enrollees.

How much do HMO-POS plans cost in Washington?

The average HMO-POS premium in Washington is $5.91 per month, with 10 plans offering $0 premiums.

What is the leading HMO-POS plan in Washington?

AARP Medicare Advantage Essentials from UHC ST-3 (HMO-POS) is the top HMO-POS in Washington, with 457 enrollees.

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

2 HMO-POS plans in Washington do not include prescription drug coverage.

Medicare Advantage PFFS Plans

PFFS plans allow members to visit any Medicare-approved provider who accepts the plan’s payment terms. This offers broader choice than network-based plans, but coverage depends on provider participation, so acceptance should be confirmed in advance.

Total PFFS Plans
1
Average Monthly Premium
$0.00/mo
Total PFFS Enrollment
0
$0 Premium PFFS Plans
1
Average MOOP
$6,700
Top PFFS by Enrollment
— 0 enrollees
PFFS Plans Without Drug Coverage
1

PFFS Medicare Advantage plan comparison – Washington County, Missouri, 2026
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Humana Gold Choice H8145-126
☆☆☆☆☆
$0 $6,700 N/A H8145-126-0

What is the average monthly premium for PFFS plans?

PFFS plans in Washington cost $0.00 per month on average.

Which PFFS plan is most popular in Washington?

The most popular PFFS plan in Washington is , with 0 enrollees.

How many PFFS plans in Washington do not include drug coverage?

There are 1 PFFS plans in Washington without prescription drug coverage.

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

CMS Star Ratings for Medicare Advantage Plans in Washington County, MO (2026)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 19 44%
3 Stars 22 51%
Below 3 Stars 2 5%
Not Rated 2 4%
Average Rating 3.65

* 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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