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2026 Medicare Advantage Plans in Missoula County, MT

Last update: .

For 2026, Missoula County, MT includes 13 Medicare Advantage plans. Enrollment across these plans totals approximately 5,690, with 7 $0 premium options and 23% rated 4 stars or higher.

Totals on this page exclude Medicare Advantage Special Needs Plans (SNPs). SNP plans for Missoula County, MT are provided separately. Or you can discover all Medicare Options in Missoula County, MT.

At a Glance

  • Average Monthly Premium: $30.77/mo
  • $0 Premium Plans: 7
  • Average MOOP: $6,538 ($9,250 max. in 2026)
  • Star Ratings (Plan Mix): 4+ Stars: 23% · 3 Stars: 77% · Below 3: 0%
  • Average Part D Deductible: $524.00
  • Total MA/MAPD Enrollment: 5,690
  • Plans with the Highest Enrollment
    (as of September 8, 2026)
    1. HumanaChoice H5216-457 (PPO) — 1,902 enrollees
    2. Blue Cross Medicare Advantage Classic (PPO) — 1,318 enrollees
    3. Humana Value Choice H7617-030 (PPO) — 936 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
11
Average Monthly Premium
$34.73/mo
Total PPO Enrollment
5,162
$0 Premium PPO Plans
6
Average MOOP
$6,645
Top PPO by Enrollment
HumanaChoice H5216-457 (PPO) — 1,902 enrollees
PPO Plans Without Drug Coverage
3

2026 PPO Medicare Advantage plans in Missoula County, Montana (comparison chart)
PPO Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
Humana Essentials Plus Giveback H7617-024
☆☆☆☆☆
 $0 $7,900 $615 H7617-024-0
Humana Full Access H7617-026
☆☆☆☆☆
 $29 $5,500 $615 H7617-026-0
Humana Value Choice H7617-030
☆☆☆☆☆
 $0 $6,050 $400 H7617-030-0
Blue Cross Medicare Advantage Classic
☆☆☆☆☆
 $74 $6,500 $450 H0107-003-0
Blue Cross Medicare Advantage Optimum
☆☆☆☆☆
 $128 $4,700 $300 H0107-004-0
Humana USAA Honor Giveback
☆☆☆☆☆
 $0 $9,150 N/A H5216-427-5
Humana USAA Honor Giveback
☆☆☆☆☆
 $0 $6,750 N/A H5216-278-3
Humana USAA Honor Giveback
☆☆☆☆☆
 $0 $6,750 N/A H5525-031-0
HumanaChoice H5216-048
☆☆☆☆☆
 $87 $6,750 $615 H5216-048-0
HumanaChoice H5216-457
☆☆☆☆☆
 $0 $6,050 $400 H5216-457-1
HumanaChoice H5525-054
☆☆☆☆☆
 $64 $7,000 $615 H5525-054-0

What is the typical premium for PPO plans available in Missoula?

PPO plans in Missoula cost $34.73 per month on average.

Which PPO plan do most beneficiaries choose in Missoula?

The most popular PPO plan in Missoula is HumanaChoice H5216-457 (PPO), with 1,902 enrollees.

How many PPO options are offered without drug coverage in Missoula?

3 PPO plans in Missoula 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 2
  • Average Monthly Premium $9.00/mo
  • Total HMO Enrollment 528
  • $0 Premium HMO Plans 1
  • Average MOOP $5,950
  • Top HMO by Enrollment Humana Gold Plus H6622-007 (HMO) — 401 enrollees
  • HMO Plans Without Drug Coverage 0

2026 HMO Medicare Advantage plans in Missoula County, Montana (comparison chart)
Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
Humana Gold Plus H6622-007
☆☆☆☆☆
 $18 $5,700 $615 H6622-007-0
Humana Total Complete H6622-097
☆☆☆☆☆
 $0 $6,200 $615 H6622-097-0
What is the total number of HMO plans offered in Missoula?

In 2026, Missoula County has 2 HMO plans with 528 enrollees.

How much do HMO plans cost in Missoula?

The typical HMO premium in Missoula is $9.00, and 1 plans have no monthly premium.

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

Quality Ratings for Medicare Advantage Plans in Missoula County, MT (2026)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 3 23%
3 Stars 10 77%
Below 3 Stars 0 0%
Not Rated 0 0%
Average Rating 3.73

* Star ratings are based on CMS quality measures and reflect plan performance for the 2026 rating period.

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 .

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Data provenance is documented in accordance with the U.S. Core Data for Interoperability (USCDI) Provenance standard .