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  1. 🏠
  2. Medicare Advantage Plans
  3. Pennsylvania
  4. Cumberland County

2026 Medicare Advantage Plans in Cumberland County, PA

Last update: September 1, 2026.

In Cumberland County, PA, there are 79 Medicare Advantage plans available for 2026. Of these, 44 offer a $0 monthly premium, and about 70% 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 Cumberland County, PA. Or explore all Medicare Options available in Cumberland County, PA.

  • 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
$32.52/mo
Plans with $0 Premium
44
Average MOOP Limit
$6,620 ($9,250 max. in 2026)
Star Ratings (Plan Mix)
4+ Stars: 70% · 3 Stars: 30% · Below 3: 0%
Average Part D Deductible
$349.55
Total MA/MAPD Enrollment
21,741
Plans with the Highest Enrollment
(as of September 8, 2026)
1. Community Blue Medicare PPO Signature (PPO) — 4,034 enrollees
2. UPMC for Life PPO Premier Rx (PPO) — 1,964 enrollees
3. Aetna Medicare Advantra Signature (PPO) — 1,385 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
47
Average Monthly Premium
$35.04/mo
Total PPO Enrollment
17,972
$0 Premium PPO Plans
25
Average MOOP
$6,795
Top PPO by Enrollment
Community Blue Medicare PPO Signature (PPO) — 4,034 enrollees
PPO Plans Without Drug Coverage
6

PPO Medicare Advantage plan comparison – Cumberland County, Pennsylvania, 2026
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Aetna Medicare Advantra Premier
☆☆☆☆☆
$98 $5,900 $615 H5522-002-0
Aetna Medicare Advantra Signature
☆☆☆☆☆
$0 $9,250 $615 H5522-004-0
Aetna Medicare Advantra Signature Giveback
☆☆☆☆☆
$0 $9,250 $615 H5522-017-0
Aetna Medicare Enhanced
☆☆☆☆☆
$183 $7,500 $615 H5521-122-0
Aetna Medicare PinnacleHealth Prime
☆☆☆☆☆
$0 $7,500 $615 H5522-029-0
Aetna Medicare Signature Extra
☆☆☆☆☆
$0 $6,750 $615 H5521-263-0
Aetna Medicare Signature Giveback
☆☆☆☆☆
$0 $6,750 $615 H5522-022-0
Aetna Medicare Value Care
☆☆☆☆☆
$29 $6,900 $615 H5522-013-0
Capital Blue Cross Classic
☆☆☆☆☆
$72 $6,700 $100 H3923-013-0
Capital Blue Cross Complete
☆☆☆☆☆
$49 $6,100 $100 H3923-047-4
Capital Blue Cross Enhanced
☆☆☆☆☆
$29 $7,200 $275 H3923-046-4
Capital Blue Cross Prime
☆☆☆☆☆
$177 $6,700 $100 H3923-017-0
Capital Blue Cross Select
☆☆☆☆☆
$0 $8,100 $375 H3923-044-4
Capital Blue Cross Value
☆☆☆☆☆
$0 $9,000 $550 H3923-045-4
Community Blue Medicare PPO Signature
☆☆☆☆☆
$0 $7,950 $615 H3916-037-6
Complete Blue PPO Distinct
☆☆☆☆☆
$58 $6,750 $615 H3916-060-4
Complete Blue PPO Merit
☆☆☆☆☆
$0 $8,300 $615 H3916-066-0
Freedom Blue PPO Basic
☆☆☆☆☆
$0 $5,900 N/A H3916-012-0
Freedom Blue PPO Deluxe
☆☆☆☆☆
$226 $4,500 $0 H3916-005-0
Freedom Blue PPO Standard
☆☆☆☆☆
$121 $5,000 $0 H3916-015-0
Freedom Blue PPO Valor
☆☆☆☆☆
$0 $6,000 N/A H3916-043-0
Freedom Blue PPO ValueRx
☆☆☆☆☆
$66 $5,500 $0 H3916-018-0
Geisinger Gold Preferred Advantage Rx
☆☆☆☆☆
$96 $4,000 $0 H3924-059-22
Geisinger Gold Preferred Complete Rx
☆☆☆☆☆
$0 $7,200 $0 H3924-065-0
UPMC for Life PPO Essential Care Rx
☆☆☆☆☆
$0 $8,000 $500 H5533-017-1
UPMC for Life PPO Premier Rx
☆☆☆☆☆
$0 $6,700 $500 H5533-011-0
UPMC for Life PPO Rx Choice
☆☆☆☆☆
$30 $6,000 $400 H5533-015-4
UPMC for Life PPO Rx Enhanced
☆☆☆☆☆
$58 $7,550 $400 H5533-008-0
UPMC for Life PPO Salute
☆☆☆☆☆
$0 $9,250 N/A H5533-016-1
AARP Medicare Advantage from UHC PA-0007
☆☆☆☆☆
$42 $5,900 $520 H2406-046-0
AARP Medicare Advantage from UHC PA-0008
☆☆☆☆☆
$60 $4,900 $520 H2406-047-0
AARP Medicare Advantage from UHC PA-0011
☆☆☆☆☆
$0 $6,700 $520 H2406-072-0
AARP Medicare Advantage Giveback from UHC PA-12
☆☆☆☆☆
$0 $8,900 $600 H2406-101-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $6,700 N/A H5216-221-0
Humana USAA Honor Giveback with Rx
☆☆☆☆☆
$0 $7,350 $500 H5525-059-0
HumanaChoice Giveback H5216-116
☆☆☆☆☆
$0 $4,150 N/A H5216-116-0
HumanaChoice Giveback H5525-085
☆☆☆☆☆
$0 $8,000 $0 H5525-085-2
HumanaChoice H5216-120
☆☆☆☆☆
$94 $7,600 $615 H5216-120-0
HumanaChoice H5525-006
☆☆☆☆☆
$27 $6,700 $615 H5525-006-0
HumanaChoice H5525-051
☆☆☆☆☆
$0 $7,500 $615 H5525-051-1
HumanaChoice H5525-086
☆☆☆☆☆
$29 $6,050 $615 H5525-086-2
HumanaChoice R0110-007
☆☆☆☆☆
$0 $4,500 N/A R0110-007-0
HumanaChoice R0110-008
☆☆☆☆☆
$52 $6,700 $615 R0110-008-0
HealthSpring True Choice
☆☆☆☆☆
$0 $6,000 $275 H7849-106-0
Jefferson Health Plans Flex
☆☆☆☆☆
$0 $7,000 $0 H1619-001-0
Jefferson Health Plans Flex Plus
☆☆☆☆☆
$33 $6,500 $0 H1619-002-0
Jefferson Health Plans Flex Pro
☆☆☆☆☆
$18 $6,000 $0 H1619-003-0
What is the total number of PPO plans offered in Cumberland?

Cumberland County has 47 PPO plans for 2026, with 17,972 enrolled.

How much do PPO plans cost in Cumberland?

The typical PPO premium in Cumberland is $35.04, and 25 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
21
Average Monthly Premium
$40.08/mo
Total HMO Enrollment
2,831
$0 Premium HMO Plans
10
Average MOOP
$6,464
Top HMO by Enrollment
Community Blue Medicare HMO Signature (HMO) — 956 enrollees
HMO Plans Without Drug Coverage
2

HMO Medicare Advantage plan comparison – Cumberland County, Pennsylvania, 2026
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Capital Blue Cross Essential
☆☆☆☆☆
$0 $6,000 $375 H3962-022-4
Capital Blue Cross Premier
☆☆☆☆☆
$86 $5,000 $100 H3962-001-0
Capital Blue Cross Value
☆☆☆☆☆
$58 $6,500 $100 H3962-004-0
Community Blue Medicare HMO Distinct
☆☆☆☆☆
$27 $6,250 $615 H3957-049-4
Community Blue Medicare HMO Signature
☆☆☆☆☆
$0 $6,750 $615 H3957-042-7
Geisinger Gold Classic Advantage Rx
☆☆☆☆☆
$120 $3,450 $0 H3954-157-23
Geisinger Gold Classic Complete Rx
☆☆☆☆☆
$48 $5,700 $0 H3954-158-13
Geisinger Gold Classic Essential Rx
☆☆☆☆☆
$0 $6,750 $0 H3954-161-0
Geisinger Gold Heritage
☆☆☆☆☆
$0 $6,700 N/A H3954-162-0
Geisinger Gold Value Rx
☆☆☆☆☆
$23 $9,250 $0 H3954-163-0
UPMC for Life HMO Deductible Rx
☆☆☆☆☆
$22 $6,000 $175 H3907-037-0
UPMC for Life HMO No Rx
☆☆☆☆☆
$0 $6,000 N/A H3907-002-0
UPMC for Life HMO Premier Rx
☆☆☆☆☆
$0 $6,700 $350 H3907-059-3
UPMC for Life HMO Rx
☆☆☆☆☆
$90 $4,500 $0 H3907-058-1
UPMC for Life HMO Rx Choice
☆☆☆☆☆
$40 $6,000 $175 H3907-057-4
UPMC for Life HMO Rx Enhanced
☆☆☆☆☆
$295 $7,550 $0 H3907-006-0
Humana Gold Plus H6622-035
☆☆☆☆☆
$0 $8,300 $615 H6622-035-0
Jefferson Health Plans Complete
☆☆☆☆☆
$0 $6,500 $0 H9207-012-0
Jefferson Health Plans Giveback
☆☆☆☆☆
$0 $9,250 $300 H9207-015-0
Jefferson Health Plans Prime
☆☆☆☆☆
$33 $6,000 $0 H9207-002-0
HealthSpring Preferred
☆☆☆☆☆
$0 $6,600 $200 H3949-035-0
What is the average monthly premium for HMO plans?
HMO plans in Cumberland cost $40.08 per month on average.
Which HMO plan is most popular in Cumberland?
The most popular HMO plan in Cumberland is Community Blue Medicare HMO Signature (HMO), with 956 enrollees.
How many HMO plans in Cumberland do not include drug coverage?
There are 2 HMO plans in Cumberland 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 8
  • Average Monthly Premium $10.09/mo
  • Total HMO-POS Enrollment 868
  • $0 Premium HMO-POS Plans 6
  • Average MOOP $6,569
  • Top HMO-POS by Enrollment Aetna Medicare Advantra Eagle Plus (HMO-POS) — 236 enrollees
  • HMO-POS Plans Without Drug Coverage 3

HMO-POS Medicare Advantage plan comparison – Cumberland County, Pennsylvania, 2026
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
AARP Medicare Advantage from UHC PA-0002
☆☆☆☆☆
$0 $6,700 $440 H5253-146-0
AARP Medicare Advantage Patriot No Rx PA-MA01
☆☆☆☆☆
$0 $6,700 N/A H5253-152-0
Aetna Medicare Advantra Eagle Plus
☆☆☆☆☆
$0 $5,500 N/A H3959-041-0
Aetna Medicare Advantra Enhanced
☆☆☆☆☆
$48 $7,500 $615 H3959-039-0
Wellcare Assist
☆☆☆☆☆
$33 $5,500 $475 H2915-011-0
Wellcare Patriot Giveback
☆☆☆☆☆
$0 $7,550 N/A H2915-013-0
Wellcare Simple
☆☆☆☆☆
$0 $6,200 $615 H2915-003-0
Aetna Medicare PinnacleHealth Prime
☆☆☆☆☆
$0 $6,900 $615 H3931-091-0
What is the total number of HMO-POS plans in Cumberland?

There are 8 HMO-POS plans in 2026, covering 868 enrollees.

How much do HMO-POS plans cost in Cumberland?

The average HMO-POS premium in Cumberland is $10.09 per month, with 6 plans offering $0 premiums.

What is the leading HMO-POS plan in Cumberland?

Aetna Medicare Advantra Eagle Plus (HMO-POS) is the top HMO-POS in Cumberland, with 236 enrollees.

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

3 HMO-POS plans in Cumberland 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
3
Average Monthly Premium
$0.00/mo
Total PFFS Enrollment
70
$0 Premium PFFS Plans
3
Average MOOP
$5,100
Top PFFS by Enrollment
Humana Gold Choice H8145-052 (PFFS) — 70 enrollees
PFFS Plans Without Drug Coverage
2

PFFS Medicare Advantage plan comparison – Cumberland County, Pennsylvania, 2026
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Humana Gold Choice H8145-052
☆☆☆☆☆
$0 $7,100 $615 H8145-052-0
Humana Gold Choice H8145-055
☆☆☆☆☆
$0 $6,700 N/A H8145-055-0
Humana Gold Choice H8145-163
☆☆☆☆☆
$0 $1,500 N/A H8145-163-0

What is the average monthly premium for PFFS plans?

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

Which PFFS plan is most popular in Cumberland?

The most popular PFFS plan in Cumberland is Humana Gold Choice H8145-052 (PFFS), with 70 enrollees.

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

There are 2 PFFS plans in Cumberland without prescription drug coverage.

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

CMS Star Ratings for Medicare Advantage Plans in Cumberland County, PA (2026)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 53 70%
3 Stars 23 30%
Below 3 Stars 0 0%
Not Rated 3 4%
Average Rating 4.13

* 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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