Medicare Plans

Open Medicare Plan Data.

2027 Medicare Advantage Plans in Franklin County, PA

Last update: .

In Franklin County, PA, there are 54 Medicare Advantage plans available for 2027. Of these, 30 offer a $0 monthly premium, and about 70% are rated 4 stars or higher based on CMS quality ratings.

At a Glance

Average Monthly Premium
$34.77/mo
Plans with $0 Premium
30
Average MOOP Limit
$7,101 ($9,250 max. in 2027)
Star Ratings (Plan Mix)
4+ Stars: 70% · 3 Stars: 30% · Below 3: 0%
Average Part D Deductible
$504.00
Total MA/MAPD Enrollment
8,583
Plans with the Highest Enrollment
(as of November 10, 2026)
1. Aetna Medicare Value Plus (PPO) — 1,533 enrollees
2. Aetna Medicare Signature Giveback (PPO) — 1,133 enrollees
3. Freedom Blue PPO ValueRx (PPO) — 1,004 enrollees

Medicare Advantage Special Needs Plans (SNPs) are not included in the figures shown above. View Special Needs Plans in Franklin County, PA. Or explore all Medicare Options available in Franklin County, PA. To understand how local plans fit into the broader market, visit our Pennsylvania Medicare Advantage plan directory for statewide plan counts, premiums, out-of-pocket limits, CMS ratings, and enrollment data.

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
33
Average Monthly Premium
$41.21/mo
Total PPO Enrollment
7,428
$0 Premium PPO Plans
17
Average MOOP
$7,291
Top PPO by Enrollment
Aetna Medicare Value Plus (PPO) — 1,533 enrollees
PPO Plans Without Drug Coverage
3

PPO Medicare Advantage plan comparison – Franklin County, Pennsylvania, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
AARP Medicare Advantage from UHC PA-0015
☆☆☆☆☆
 $0 $7,150 $685 H2001-110-0
Aetna Medicare Advantra Premier
☆☆☆☆☆
 $99 $5,900 $700 H5522-002-0
Aetna Medicare Advantra Signature
☆☆☆☆☆
 $0 $9,250 $700 H5522-004-0
Aetna Medicare Advantra Signature Giveback
☆☆☆☆☆
 $0 $9,850 $700 H5522-017-0
Aetna Medicare Signature Giveback
☆☆☆☆☆
 $0 $7,150 $700 H5522-022-0
Aetna Medicare Value Plus
☆☆☆☆☆
 $35 $7,500 $700 H5522-013-0
Freedom Blue PPO Basic
☆☆☆☆☆
 $0 $5,900 N/A H3916-012-0
Freedom Blue PPO Deluxe
☆☆☆☆☆
 $239 $4,500 $0 H3916-005-0
Freedom Blue PPO Standard
☆☆☆☆☆
 $135 $5,000 $0 H3916-015-0
Freedom Blue PPO Valor
☆☆☆☆☆
 $0 $6,000 N/A H3916-043-0
Freedom Blue PPO ValueRx
☆☆☆☆☆
 $84 $5,500 $700 H3916-018-0
AARP Medicare Advantage from UHC PA-0007
☆☆☆☆☆
 $57 $6,300 $595 H2406-046-0
AARP Medicare Advantage from UHC PA-0008
☆☆☆☆☆
 $60 $5,900 $685 H2406-047-0
AARP Medicare Advantage from UHC PA-0011
☆☆☆☆☆
 $0 $7,150 $685 H2406-072-0
AARP Medicare Advantage Giveback from UHC PA-12
☆☆☆☆☆
 $0 $9,200 $685 H2406-101-0
Aetna Medicare Signature Extra
☆☆☆☆☆
 $0 $7,150 $700 H5521-263-0
Capital Blue Cross Basic
☆☆☆☆☆
 $28 $9,800 $700 H3923-049-5
Capital Blue Cross Classic
☆☆☆☆☆
 $77 $6,700 $700 H3923-013-0
Capital Blue Cross Prime
☆☆☆☆☆
 $184 $6,700 $550 H3923-017-0
Capital Blue Cross Value
☆☆☆☆☆
 $0 $9,800 $700 H3923-045-5
Geisinger Gold Preferred Advantage Rx
☆☆☆☆☆
 $104 $4,450 $0 H3924-059-22
Geisinger Gold Preferred Balance Rx
☆☆☆☆☆
 $29 $9,850 $0 H3924-067-0
Geisinger Gold Preferred Complete Rx
☆☆☆☆☆
 $0 $9,850 $700 H3924-065-0
Humana Essentials Plus Giveback
☆☆☆☆☆
 $0 $8,250 $700 H5525-085-2
Humana USAA Honor Giveback with Rx
☆☆☆☆☆
 $0 $7,350 $700 H5525-059-0
HumanaChoice H5216-120
☆☆☆☆☆
 $107 $7,600 $700 H5216-120-0
HumanaChoice R0110-007
☆☆☆☆☆
 $0 $4,750 N/A R0110-007-0
HumanaChoice R0110-008
☆☆☆☆☆
 $75 $7,150 $700 R0110-008-0
DEVOTED CHOICE 007 PA
☆☆☆☆☆
 $0 $7,100 $650 H6018-007-0
DEVOTED CHOICE GIVEBACK 008 PA
☆☆☆☆☆
 $0 $9,850 $461 H6018-008-0
HealthSpring True Choice
☆☆☆☆☆
 $7 $7,500 $700 H7849-106-0
Jefferson Health Plans Flex
☆☆☆☆☆
 $0 $8,000 $0 H1619-001-0
Jefferson Health Plans Preferred
☆☆☆☆☆
 $40 $6,500 $0 H1619-004-0
What is the total number of PPO plans offered in Franklin?

Franklin County has 33 PPO plans for 2027, with 7,428 enrolled.

How much do PPO plans cost in Franklin?

The typical PPO premium in Franklin is $41.21, and 17 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
17
Average Monthly Premium
$27.05/mo
Total HMO Enrollment
742
$0 Premium HMO Plans
10
Average MOOP
$6,797
Top HMO by Enrollment
Capital Blue Cross Essential (HMO) — 373 enrollees
HMO Plans Without Drug Coverage
1

HMO Medicare Advantage plan comparison – Franklin County, Pennsylvania, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Community Blue Medicare HMO Distinct
☆☆☆☆☆
 $72 $6,500 $700 H3957-049-7
Community Blue Medicare HMO Signature
☆☆☆☆☆
 $0 $7,150 $700 H3957-051-0
Capital Blue Cross Essential
☆☆☆☆☆
 $0 $5,550 $700 H3962-022-5
Capital Blue Cross Premier
☆☆☆☆☆
 $90 $5,000 $350 H3962-001-0
Capital Blue Cross Value
☆☆☆☆☆
 $63 $6,500 $700 H3962-023-5
Geisinger Gold Classic Advantage Rx
☆☆☆☆☆
 $135 $3,450 $0 H3954-157-23
Geisinger Gold Classic Complete Rx
☆☆☆☆☆
 $58 $5,700 $0 H3954-158-13
Geisinger Gold Classic Essential Rx
☆☆☆☆☆
 $0 $7,150 $700 H3954-161-0
Geisinger Gold Heritage
☆☆☆☆☆
 $0 $6,700 N/A H3954-162-0
Geisinger Gold Value Rx
☆☆☆☆☆
 $29 $9,000 $0 H3954-163-0
DEVOTED CORE 012 PA
☆☆☆☆☆
 $0 $6,250 $650 H6852-012-0
DEVOTED GIVEBACK 013 PA
☆☆☆☆☆
 $0 $8,000 $461 H6852-013-0
DEVOTED GIVEBACK EXTRAS 034 PA
☆☆☆☆☆
 $0 $6,850 $700 H6852-034-0
HealthSpring Preferred
☆☆☆☆☆
 $0 $7,900 $500 H3949-035-0
Jefferson Health Plans Complete
☆☆☆☆☆
 $0 $7,500 $0 H9207-012-0
Jefferson Health Plans Giveback
☆☆☆☆☆
 $0 $9,850 $450 H9207-015-0
Jefferson Health Plans Prime
☆☆☆☆☆
 $13 $6,500 $0 H9207-002-0
What is the average monthly premium for HMO plans?
HMO plans in Franklin cost $27.05 per month on average.
Which HMO plan is most popular in Franklin?
The most popular HMO plan in Franklin is Capital Blue Cross Essential (HMO), with 373 enrollees.
How many HMO plans in Franklin do not include drug coverage?
There are 1 HMO plans in Franklin 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 4
  • Average Monthly Premium $14.50/mo
  • Total HMO-POS Enrollment 413
  • $0 Premium HMO-POS Plans 3
  • Average MOOP $6,825
  • Top HMO-POS by Enrollment Aetna Medicare Advantra Eagle Plus (HMO-POS) — 195 enrollees
  • HMO-POS Plans Without Drug Coverage 2

HMO-POS Medicare Advantage plan comparison – Franklin County, Pennsylvania, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
AARP Medicare Advantage from UHC PA-0002
☆☆☆☆☆
 $0 $7,150 $685 H5253-146-0
AARP Medicare Advantage Patriot No Rx PA-MA01
☆☆☆☆☆
 $0 $7,150 N/A H5253-152-0
Aetna Medicare Advantra Eagle Plus
☆☆☆☆☆
 $0 $5,500 N/A H3959-041-0
Aetna Medicare Advantra Enhanced
☆☆☆☆☆
 $58 $7,500 $700 H3959-039-0
What is the total number of HMO-POS plans in Franklin?

There are 4 HMO-POS plans in 2027, covering 413 enrollees.

How much do HMO-POS plans cost in Franklin?

The average HMO-POS premium in Franklin is $14.50 per month, with 3 plans offering $0 premiums.

What is the leading HMO-POS plan in Franklin?

Aetna Medicare Advantra Eagle Plus (HMO-POS) is the top HMO-POS in Franklin, with 195 enrollees.

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

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

The table below shows CMS star ratings for Medicare Advantage plans in Franklin County, PA for 2027.

CMS Star Ratings for Medicare Advantage Plans in Franklin County, PA (2027)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 38 70%
3 Stars 16 30%
Below 3 Stars 0 0%
Not Rated 0 0%
Average Rating 3.89

* Medicare Advantage star ratings are determined by CMS each year using a standardized 5-star rating system.

Medicare Advantage plans listed on this page are available to eligible beneficiaries residing in Franklin County, Pennsylvania, including communities such as Chambersburg, Fayetteville, Fort Loudon, Greencastle, Mercersburg, Mont Alto, Orrstown, Saint Thomas, Waynesboro, and other areas throughout the county. Plan availability is determined by county of residence, not by city.

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 .

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 .