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  1. 🏠
  2. Medicare Advantage Plans
  3. North Carolina
  4. Rowan County

2026 Medicare Advantage Plans in Rowan County, NC

Last update: September 2, 2026.

For 2026, Rowan County, NC includes 50 Medicare Advantage plans. Enrollment across these plans totals approximately 14,820, with 38 $0 premium options and 62% rated 4 stars or higher.

This page and its statistics exclude Medicare Advantage Special Needs Plans (SNPs). Special Needs Plans in Rowan County, NC are summarized separately. Visit Medicare Options in Rowan County, NC to see more options.

  • 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: $14.32/mo
  • $0 Premium Plans: 38
  • Average MOOP: $6,770 ($9,250 max. in 2026)
  • Star Ratings (Plan Mix): 4+ Stars: 62% · 3 Stars: 38% · Below 3: 0%
  • Average Part D Deductible: $469.87
  • Total MA/MAPD Enrollment: 14,820
  • Plans with the Highest Enrollment
    (as of September 8, 2026)
    1. Humana Gold Plus H1036-335 (HMO-POS) — 2,684 enrollees
    2. AARP Medicare Advantage from UHC NC-0015 (HMO-POS) — 1,941 enrollees
    3. Aetna Medicare Signature (PPO) — 1,230 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
29
Average Monthly Premium
$20.24/mo
Total PPO Enrollment
3,769
$0 Premium PPO Plans
22
Average MOOP
$7,286
Top PPO by Enrollment
Aetna Medicare Signature (PPO) — 1,230 enrollees
PPO Plans Without Drug Coverage
9

2026 PPO Medicare Advantage plans in Rowan County, North Carolina (comparison chart)
Plan Name CMS Stars* Premium/Mo MOOP Rx Ded. CMS ID
AARP Medicare Advantage Access from UHC NC-23
☆☆☆☆☆
$255 $3,000 $600 H2001-084-0
Aetna Medicare Eagle Giveback
☆☆☆☆☆
$0 $6,750 N/A H5521-241-0
Aetna Medicare Signature
☆☆☆☆☆
$0 $5,900 $500 H5521-081-0
Aetna Medicare Signature Giveback
☆☆☆☆☆
$0 $7,500 $615 H5521-348-0
Blue Medicare Freedom+
☆☆☆☆☆
$0 $9,250 N/A H3404-004-0
Blue Medicare PPO Enhanced
☆☆☆☆☆
$53 $6,300 $100 H3404-003-2
AARP Medicare Advantage from UHC NC-0016
☆☆☆☆☆
$53 $4,200 $520 H2406-034-0
AARP Medicare Advantage from UHC NC-0017
☆☆☆☆☆
$0 $6,200 $600 H2406-098-0
HealthTeam Advantage Eagle Plan
☆☆☆☆☆
$0 $4,500 N/A H9808-009-0
HealthTeam Advantage Vitality Plan
☆☆☆☆☆
$0 $4,200 $300 H9808-010-0
Humana Full Access R0110-005
☆☆☆☆☆
$117 $9,250 $615 R0110-005-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $9,250 N/A R0110-006-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $9,250 N/A H5525-065-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $9,250 N/A H5216-343-0
HumanaChoice Giveback H5216-017
☆☆☆☆☆
$0 $9,250 $450 H5216-017-0
HumanaChoice Giveback H5525-035
☆☆☆☆☆
$0 $9,250 $450 H5525-035-0
HumanaChoice H5216-211
☆☆☆☆☆
$54 $9,250 $615 H5216-211-0
HumanaChoice H5525-050
☆☆☆☆☆
$0 $9,250 $350 H5525-050-0
HumanaChoice H5525-070
☆☆☆☆☆
$24 $9,250 $615 H5525-070-0
HumanaChoice H5525-083
☆☆☆☆☆
$0 $9,250 $450 H5525-083-0
HumanaChoice R0110-004
☆☆☆☆☆
$0 $7,000 N/A R0110-004-0
Wellcare Assist Open
☆☆☆☆☆
$31 $4,201 $480 H1914-009-0
Wellcare Giveback Open
☆☆☆☆☆
$0 $8,300 $615 H1914-010-0
Wellcare Patriot Giveback Open
☆☆☆☆☆
$0 $8,850 N/A H1914-011-0
Wellcare Simple Open
☆☆☆☆☆
$0 $4,300 $615 H1914-007-0
HealthSpring True Choice
☆☆☆☆☆
$0 $5,700 $615 H7849-113-1
DEVOTED CHOICE 001 NC
☆☆☆☆☆
$0 $5,400 $370 H9700-001-0
DEVOTED CHOICE GIVEBACK 002 NC
☆☆☆☆☆
$0 $8,000 $605 H9700-002-0
DEVOTED CHOICE MA ONLY 007 NC
☆☆☆☆☆
$0 $9,250 N/A H9700-007-0
What is the average monthly premium for PPO plans in Rowan?
PPO plans in Rowan cost $20.24 per month on average.
Which PPO plan has the highest enrollment in Rowan?
The most popular PPO plan in Rowan is Aetna Medicare Signature (PPO), with 1,230 enrollees.
How many PPO plans in Rowan do not include prescription drug coverage?
9 PPO plans in Rowan 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
8
Average Monthly Premium
$5.65/mo
Total HMO Enrollment
2,250
$0 Premium HMO Plans
6
Average MOOP
$6,069
Top HMO by Enrollment
HealthSpring Preferred Savings (HMO) — 848 enrollees
HMO Plans Without Drug Coverage
1

2026 HMO Medicare Advantage plans in Rowan County, North Carolina (comparison chart)
Plan Name CMS Stars* Premium/Mo MOOP Rx Ded. CMS ID
DEVOTED GIVEBACK 012 NC
☆☆☆☆☆
$0 $8,900 $605 H5299-012-0
Aetna Medicare Signature
☆☆☆☆☆
$0 $5,500 $615 H3146-001-0
Aetna Medicare Value Plus
☆☆☆☆☆
$32 $5,500 $615 H3146-006-0
Blue Medicare Essential
☆☆☆☆☆
$0 $9,250 $615 H3449-027-2
HealthSpring Courage
☆☆☆☆☆
$0 $6,750 N/A H9725-005-0
HealthSpring Preferred
☆☆☆☆☆
$0 $3,450 $295 H9725-009-1
HealthSpring Preferred Plus
☆☆☆☆☆
$13 $3,200 $200 H9725-017-1
HealthSpring Preferred Savings
☆☆☆☆☆
$0 $6,000 $0 H9725-015-1
What is the total number of HMO plans offered in Rowan?

There are 8 HMO plans in 2026, covering 2,250 enrollees.

How much do HMO plans cost in Rowan?

The average HMO premium in Rowan is $5.65 per month, with 6 plans offering $0 premiums.

What is the top HMO by enrollment in Rowan?

HealthSpring Preferred Savings (HMO) is the top HMO in Rowan, with 848 enrollees.

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

1 HMO plans in Rowan 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
12
Average Monthly Premium
$6.42/mo
Total HMO-POS Enrollment
8,764
$0 Premium HMO-POS Plans
10
Average MOOP
$5,925
Top HMO-POS by Enrollment
Humana Gold Plus H1036-335 (HMO-POS) — 2,684 enrollees
HMO-POS Plans Without Drug Coverage
2

2026 HMO-POS Medicare Advantage plans in Rowan County, North Carolina (comparison chart)
Plan Name CMS Stars* Premium/Mo MOOP Rx Ded. CMS ID
Humana Gold Plus Giveback H1036-318
☆☆☆☆☆
$0 $9,250 $450 H1036-318-0
Humana Gold Plus H1036-137
☆☆☆☆☆
$0 $9,250 $350 H1036-137-0
Humana Gold Plus H1036-335
☆☆☆☆☆
$0 $3,950 $250 H1036-335-2
AARP Medicare Advantage from UHC NC-0015
☆☆☆☆☆
$0 $4,200 $440 H5253-117-0
AARP Medicare Advantage from UHC NC-0021
☆☆☆☆☆
$37 $4,200 $355 H5253-037-0
AARP Medicare Advantage from UHC NC-0022
☆☆☆☆☆
$0 $5,400 $440 H5253-038-0
AARP Medicare Advantage Giveback from UHC NC-14
☆☆☆☆☆
$0 $9,250 $600 H5253-110-0
AARP Medicare Advantage Patriot No Rx NC-MA02
☆☆☆☆☆
$0 $7,900 N/A H5253-040-0
Blue Medicare Enhanced
☆☆☆☆☆
$40 $4,200 $100 H3449-024-2
Blue Medicare Essential Plus
☆☆☆☆☆
$0 $5,400 $615 H3449-023-2
Blue Medicare Medical Only
☆☆☆☆☆
$0 $3,900 N/A H3449-012-0
Wellcare Simple
☆☆☆☆☆
$0 $4,200 $615 H4073-001-0

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

HMO-POS plans in Rowan cost $6.42 per month on average.

Which HMO-POS plan is most popular in Rowan?

The most popular HMO-POS plan in Rowan is Humana Gold Plus H1036-335 (HMO-POS), with 2,684 enrollees.

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

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

Medicare Advantage PFFS Plans

Private Fee-for-Service (PFFS) plans allow members to visit any Medicare-approved provider that accepts the plan’s payment terms. This provides flexibility in choosing doctors and hospitals, but provider acceptance should be confirmed before receiving care.

  • Total PFFS Plans 1
  • Average Monthly Premium $7.00/mo
  • Total PFFS Enrollment 37
  • $0 Premium PFFS Plans 0
  • Average MOOP $7,550
  • Top PFFS by Enrollment Humana Gold Choice H8145-004 (PFFS) — 37 enrollees
  • PFFS Plans Without Drug Coverage 0

2026 PFFS Medicare Advantage plans in Rowan County, North Carolina (comparison chart)
Plan Name CMS Stars* Premium/Mo MOOP Rx Ded. CMS ID
Humana Gold Choice H8145-004
☆☆☆☆☆
$7 $7,550 $615 H8145-004-0
What is the top PFFS plan in Rowan?

Humana Gold Choice H8145-004 (PFFS) is the top PFFS in Rowan, with 37 enrollees.

What is the number of PFFS plans without Part D coverage in Rowan?

0 PFFS plans in Rowan do not include prescription drug coverage.

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

Medicare Advantage Plan Ratings in Rowan County, NC (2026)
Rating Category Number of Plans Percent of Plans
5 Stars 1 2%
4 Stars (includes 5 Stars) 29 62%
3 Stars 18 38%
Below 3 Stars 0 0%
Not Rated 3 6%
Average Rating 3.91

* 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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