2026 Medicare Advantage Plans in Montgomery County, PA
Last update: . Enrollment data updated: May 2, 2026
In Montgomery County, PA, there are 61 Medicare Advantage plans available for 2026. Of these, 36 offer a $0 monthly premium, and about 53% 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 Montgomery County, PA. Or explore all Medicare Options available in Montgomery County, PA.
Medicare Advantage PPO Plans
Preferred Provider Organization (PPO) plans allow access to both in-network and out-of-network providers. Out-of-network care usually costs more, but PPOs offer greater flexibility in choosing doctors and hospitals.
- Total PPO Plans 31
- Average Monthly Premium $39.43/mo
- Total PPO Enrollment 16,205
- $0 Premium PPO Plans 17
- Average MOOP $6,923
- Top PPO by Enrollment Personal Choice 65 Achieve Rx (PPO) — 3,744 enrollees
- PPO Plans Without Drug Coverage 5
What is the total number of PPO plans offered in Montgomery?
There are 31 PPO plans in 2026, covering 16,205 beneficiaries.
How much do PPO plans cost in Montgomery?
The average PPO premium in Montgomery is $39.43 per month, with 17 plans offering $0 premiums.
What is the most popular PPO plan in Montgomery?
Personal Choice 65 Achieve Rx (PPO) is the top PPO in Montgomery, with 3,744 enrollees.
What is the number of PPO plans without Part D coverage in Montgomery?
There are 5 PPO plans in Montgomery without prescription drug coverage.
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
- $18.75/mo
- Total HMO Enrollment
- 23,525
- $0 Premium HMO Plans
- 12
- Average MOOP
- $7,009
- Top HMO by Enrollment
- Keystone 65 Basic Rx (HMO) — 12,044 enrollees
- HMO Plans Without Drug Coverage
- 4
What is the average monthly premium for HMO plans?
HMO plans in Montgomery cost $18.75 per month on average.
Which HMO plan is most popular in Montgomery?
The most popular HMO plan in Montgomery is Keystone 65 Basic Rx (HMO), with 12,044 enrollees.
How many HMO plans in Montgomery do not include drug coverage?
There are 4 HMO plans in Montgomery without prescription drug coverage.
Medicare Advantage HMO-POS Plans
HMO Point-of-Service (HMO-POS) plans combine HMO network rules with limited out-of-network access. Care outside the network typically costs more, but HMO-POS plans provide added flexibility compared with standard HMOs.
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| AARP Medicare Advantage Essentials from UHC PA-5 | $0 | $6,700 | $520 | H5253-154-0 | |
| AARP Medicare Advantage Extras from UHC PA-18 | $0 | $6,700 | $600 | H5253-203-0 | |
| AARP Medicare Advantage from UHC PA-0001 | $49 | $5,400 | $440 | H5253-145-0 | |
| AARP Medicare Advantage Patriot No Rx PA-MA01 | $0 | $6,700 | N/A | H5253-152-0 | |
| Aetna Medicare Advantra Signature | $0 | $7,500 | $615 | H3959-052-0 | |
| Aetna Medicare Value Care | $33 | $7,500 | $615 | H3959-033-0 | |
| Keystone 65 Essential Rx | $31 | $8,500 | $0 | H3952-060-0 | |
| Keystone 65 Focus Rx | $15 | $6,750 | $0 | H3952-054-0 | |
| 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 Premier | $104 | $6,900 | $615 | H3931-004-0 |
What is the leading HMO-POS plan in Montgomery?
Keystone 65 Essential Rx (HMO-POS) is the top HMO-POS in Montgomery, with 2,671 enrollees.
What is the number of HMO-POS plans without Part D coverage in Montgomery?
2 HMO-POS plans in Montgomery 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
- 1
- Average Monthly Premium
- $0.00/mo
- Total PFFS Enrollment
- 26
- $0 Premium PFFS Plans
- 1
- Average MOOP
- $1,500
- Top PFFS by Enrollment
- Humana Gold Choice H8145-163 (PFFS) — 26 enrollees
- PFFS Plans Without Drug Coverage
- 1
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| Humana Gold Choice H8145-163 | $0 | $1,500 | N/A | H8145-163-0 |
What is the typical premium for PFFS plans in Montgomery?
PFFS plans in Montgomery cost $0.00 per month on average.
Which PFFS plan has the most enrollment in Montgomery?
The most popular PFFS plan in Montgomery is Humana Gold Choice H8145-163 (PFFS), with 26 enrollees.
How many PFFS options are available without prescription drug coverage in Montgomery?
There are 1 PFFS plans in Montgomery without prescription drug coverage.
The table below shows CMS star ratings for Medicare Advantage plans in Montgomery County, PA for 2026.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | No 5-star plans available. | 0% |
| 4 Stars (includes 5 Stars) | 30 | 53% |
| 3 Stars | 27 | 47% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 4 | 7% |
| Average Rating | 3.79 | |
* Medicare Advantage star ratings are determined by CMS each year using a standardized 5-star rating system.
- CMS.gov, Medicare Advantage Landscape Source Files — Last accessed May 2, 2026
- CMS.gov, Medicare Part C & D Performance Data — Last accessed May 2, 2026
- CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Last accessed May 2, 2026
County-level figures shown on this page, including plan counts, enrollment totals, averages, and percentage distributions, reflect standard Medicare Advantage (MA/MAPD) plans only and are derived from CMS datasets using a standardized aggregation methodology.
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
- Medicare.gov, "Joining a plan" — Last accessed 25 May, 2025
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