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

2026 Medicare Advantage Plans in Franklin County, PA

Last update: September 2, 2026.

For 2026, Franklin County, PA includes 57 Medicare Advantage plans. Enrollment across these plans totals approximately 12,098, with 32 $0 premium options and 73% rated 4 stars or higher.

Totals on this page exclude Medicare Advantage Special Needs Plans (SNPs). SNP plans for Franklin County, PA are provided separately. Or you can discover all Medicare Options in Franklin 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: $33.45/mo
  • $0 Premium Plans: 32
  • Average MOOP: $6,573 ($9,250 max. in 2026)
  • Star Ratings (Plan Mix): 4+ Stars: 73% · 3 Stars: 27% · Below 3: 0%
  • Average Part D Deductible: $326.40
  • Total MA/MAPD Enrollment: 12,098
  • Plans with the Highest Enrollment
    (as of September 8, 2026)
    1. Capital Blue Cross Complete (PPO) — 2,303 enrollees
    2. Aetna Medicare Value Care (PPO) — 1,525 enrollees
    3. Aetna Medicare Signature Giveback (PPO) — 1,138 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
35
Average Monthly Premium
$41.02/mo
Total PPO Enrollment
10,022
$0 Premium PPO Plans
18
Average MOOP
$6,729
Top PPO by Enrollment
Capital Blue Cross Complete (PPO) — 2,303 enrollees
PPO Plans Without Drug Coverage
3

2026 PPO Medicare Advantage plans in Franklin County, Pennsylvania (comparison chart)
PPO Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
AARP Medicare Advantage from UHC PA-0015
☆☆☆☆☆
$0 $6,700 $440 H2001-110-0
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 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 Basic
☆☆☆☆☆
$20 $8,200 $550 H3923-048-5
Capital Blue Cross Classic
☆☆☆☆☆
$72 $6,700 $100 H3923-013-0
Capital Blue Cross Complete
☆☆☆☆☆
$49 $6,600 $100 H3923-047-5
Capital Blue Cross Prime
☆☆☆☆☆
$177 $6,700 $100 H3923-017-0
Capital Blue Cross Value
☆☆☆☆☆
$0 $9,000 $550 H3923-045-5
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
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
DEVOTED CHOICE 007 PA
☆☆☆☆☆
$0 $5,900 $450 H6018-007-0
DEVOTED CHOICE GIVEBACK 008 PA
☆☆☆☆☆
$0 $9,250 $605 H6018-008-0
Humana USAA Honor Giveback with Rx
☆☆☆☆☆
$0 $7,350 $500 H5525-059-0
HumanaChoice Giveback H5525-085
☆☆☆☆☆
$0 $8,000 $0 H5525-085-2
HumanaChoice H5216-120
☆☆☆☆☆
$94 $7,600 $615 H5216-120-0
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 typical premium for PPO plans available in Franklin?

PPO plans in Franklin cost $41.02 per month on average.

Which PPO plan do most beneficiaries choose in Franklin?

The most popular PPO plan in Franklin is Capital Blue Cross Complete (PPO), with 2,303 enrollees.

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

3 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 16
  • Average Monthly Premium $26.42/mo
  • Total HMO Enrollment 1,577
  • $0 Premium HMO Plans 9
  • Average MOOP $6,509
  • Top HMO by Enrollment Community Blue Medicare HMO Signature (HMO) — 807 enrollees
  • HMO Plans Without Drug Coverage 1

2026 HMO Medicare Advantage plans in Franklin County, Pennsylvania (comparison chart)
Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
Capital Blue Cross Essential
☆☆☆☆☆
$0 $6,000 $375 H3962-022-5
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
☆☆☆☆☆
$55 $6,250 $615 H3957-049-7
Community Blue Medicare HMO Signature
☆☆☆☆☆
$0 $6,500 $615 H3957-042-6
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
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
DEVOTED CORE 012 PA
☆☆☆☆☆
$0 $6,700 $375 H6852-012-0
DEVOTED GIVEBACK 013 PA
☆☆☆☆☆
$0 $7,000 $605 H6852-013-0
What is the total number of HMO plans offered in Franklin?

In 2026, Franklin County has 16 HMO plans with 1,577 enrollees.

How much do HMO plans cost in Franklin?

The typical HMO premium in Franklin is $26.42, and 9 plans have no monthly premium.

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
4
Average Monthly Premium
$12.00/mo
Total HMO-POS Enrollment
413
$0 Premium HMO-POS Plans
3
Average MOOP
$6,600
Top HMO-POS by Enrollment
Aetna Medicare Advantra Eagle Plus (HMO-POS) — 198 enrollees
HMO-POS Plans Without Drug Coverage
2

2026 HMO-POS Medicare Advantage plans in Franklin County, Pennsylvania (comparison chart)
Plan Name Rating* Premium MOOP Rx Ded. 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
What is the average monthly premium for HMO-POS plans?
HMO-POS plans in Franklin cost $12.00 per month on average.
Which HMO-POS plan is most popular in Franklin?
The most popular HMO-POS plan in Franklin is Aetna Medicare Advantra Eagle Plus (HMO-POS), with 198 enrollees.
How many HMO-POS plans in Franklin do not include drug coverage?
There are 2 HMO-POS plans in Franklin 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 2
  • Average Monthly Premium $0.00/mo
  • Total PFFS Enrollment 86
  • $0 Premium PFFS Plans 2
  • Average MOOP $4,300
  • Top PFFS by Enrollment Humana Gold Choice H8145-052 (PFFS) — 86 enrollees
  • PFFS Plans Without Drug Coverage 1

2026 PFFS Medicare Advantage plans in Franklin County, Pennsylvania (comparison chart)
Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
Humana Gold Choice H8145-052
☆☆☆☆☆
$0 $7,100 $615 H8145-052-0
Humana Gold Choice H8145-163
☆☆☆☆☆
$0 $1,500 N/A H8145-163-0
What is the total number of PFFS plans in Franklin?

There are 2 PFFS plans in 2026, covering 86 enrollees.

How much do PFFS plans cost in Franklin?

The average PFFS premium in Franklin is $0.00 per month, with 2 plans offering $0 premiums.

What is the top PFFS plan in Franklin?

Humana Gold Choice H8145-052 (PFFS) is the top PFFS in Franklin, with 86 enrollees.

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

1 PFFS plans in Franklin do not include prescription drug coverage.

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

Quality Ratings for Medicare Advantage Plans in Franklin County, PA (2026)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 38 73%
3 Stars 14 27%
Below 3 Stars 0 0%
Not Rated 5 9%
Average Rating 4.13

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

  • 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, "Explore your Medicare coverage options" — 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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