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2026 Medicare Advantage Plans in Montgomery County, PA

Last update: .

For 2026, Montgomery County, PA includes 61 Medicare Advantage plans. Enrollment across these plans totals approximately 49,074, with 36 $0 premium options and 53% rated 4 stars or higher.

Totals on this page exclude Medicare Advantage Special Needs Plans (SNPs). SNP plans for Montgomery County, PA are provided separately. Or you can discover all Medicare Options in Montgomery County, PA.

At a Glance

  • Average Monthly Premium: $29.60/mo
  • $0 Premium Plans: 36
  • Average MOOP: $6,839 ($9,250 max. in 2026)
  • Star Ratings (Plan Mix): 4+ Stars: 53% · 3 Stars: 47% · Below 3: 0%
  • Average Part D Deductible: $373.16
  • Total MA/MAPD Enrollment: 49,074
  • Plans with the Highest Enrollment
    (as of September 8, 2026)
    1. Keystone 65 Basic Rx (HMO) — 12,062 enrollees
    2. Personal Choice 65 Achieve Rx (PPO) — 3,803 enrollees
    3. Keystone 65 Select Rx (HMO) — 2,843 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
31
Average Monthly Premium
$39.43/mo
Total PPO Enrollment
16,431
$0 Premium PPO Plans
17
Average MOOP
$6,923
Top PPO by Enrollment
Personal Choice 65 Achieve Rx (PPO) — 3,803 enrollees
PPO Plans Without Drug Coverage
5

2026 PPO Medicare Advantage plans in Montgomery County, Pennsylvania (comparison chart)
PPO Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
Aetna Medicare Advantra Premier
☆☆☆☆☆
 $106 $6,750 $615 H5522-014-0
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
☆☆☆☆☆
 $0 $9,250 $615 H5522-028-0
Complete Blue PPO Distinct
☆☆☆☆☆
 $109 $6,750 $615 H3916-062-0
Freedom Blue PPO Valor
☆☆☆☆☆
 $0 $6,000 N/A H3916-056-0
UPMC for Life PPO Salute
☆☆☆☆☆
 $0 $9,250 N/A H5533-016-2
AARP Medicare Advantage from UHC PA-0008
☆☆☆☆☆
 $60 $4,900 $520 H2406-047-0
AARP Medicare Advantage from UHC PA-0009
☆☆☆☆☆
 $79 $6,300 $520 H2406-048-0
AARP Medicare Advantage from UHC PA-0010
☆☆☆☆☆
 $0 $6,700 $600 H2406-071-0
AARP Medicare Advantage Giveback from UHC PA-12
☆☆☆☆☆
 $0 $8,900 $600 H2406-101-0
Personal Choice 65 Achieve Rx
☆☆☆☆☆
 $0 $6,750 $375 H3909-020-0
Personal Choice 65 Plus Rx
☆☆☆☆☆
 $214 $4,201 $0 H3909-018-0
Personal Choice 65 Rx
☆☆☆☆☆
 $187 $5,950 $0 H3909-009-0
DEVOTED CHOICE 007 PA
☆☆☆☆☆
 $0 $5,900 $450 H6018-007-0
DEVOTED CHOICE GIVEBACK 003 PA
☆☆☆☆☆
 $0 $9,250 $605 H6018-003-0
DEVOTED CHOICE PREMIUM 002 PA
☆☆☆☆☆
 $33 $7,550 $615 H6018-002-0
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 H5525-005
☆☆☆☆☆
 $26 $8,300 $615 H5525-005-0
HumanaChoice H5525-051
☆☆☆☆☆
 $0 $7,800 $615 H5525-051-2
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 $6,800 $250 H7849-151-0
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 Montgomery?

PPO plans in Montgomery cost $39.43 per month on average.

Which PPO plan do most beneficiaries choose in Montgomery?

The most popular PPO plan in Montgomery is Personal Choice 65 Achieve Rx (PPO), with 3,803 enrollees.

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

5 PPO plans in Montgomery 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 17
  • Average Monthly Premium $18.75/mo
  • Total HMO Enrollment 23,529
  • $0 Premium HMO Plans 12
  • Average MOOP $7,009
  • Top HMO by Enrollment Keystone 65 Basic Rx (HMO) — 12,062 enrollees
  • HMO Plans Without Drug Coverage 4

2026 HMO Medicare Advantage plans in Montgomery County, Pennsylvania (comparison chart)
Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
Geisinger Gold Heritage
☆☆☆☆☆
 $0 $6,700 N/A H3954-162-0
Geisinger Gold Value Rx
☆☆☆☆☆
 $23 $9,250 $0 H3954-163-0
Keystone 65 Basic Rx
☆☆☆☆☆
 $0 $8,500 $0 H3952-055-0
Keystone 65 Liberty Medical Only
☆☆☆☆☆
 $0 $6,750 N/A H3952-059-0
Keystone 65 Preferred Medical Only
☆☆☆☆☆
 $0 $4,200 N/A H3952-008-0
Keystone 65 Preferred Rx
☆☆☆☆☆
 $158 $4,200 $0 H3952-045-0
Keystone 65 Select Medical Only
☆☆☆☆☆
 $0 $6,750 N/A H3952-050-0
Keystone 65 Select Rx
☆☆☆☆☆
 $74 $6,750 $0 H3952-051-0
Humana Gold Plus H6622-037
☆☆☆☆☆
 $0 $7,800 $615 H6622-037-0
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 $6,500 $200 H3949-052-0
HealthSpring Preferred PA
☆☆☆☆☆
 $0 $6,750 $275 H3949-031-0
HealthSpring Preferred Plus
☆☆☆☆☆
 $31 $6,750 $250 H3949-030-0
HealthSpring Preferred Savings
☆☆☆☆☆
 $0 $9,000 $590 H3949-053-0
DEVOTED CORE 023 PA
☆☆☆☆☆
 $0 $7,500 $375 H6852-023-0
What is the total number of HMO plans offered in Montgomery?

In 2026, Montgomery County has 17 HMO plans with 23,529 enrollees.

How much do HMO plans cost in Montgomery?

The typical HMO premium in Montgomery is $18.75, and 12 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
12
Average Monthly Premium
$22.03/mo
Total HMO-POS Enrollment
9,089
$0 Premium HMO-POS Plans
6
Average MOOP
$6,825
Top HMO-POS by Enrollment
Keystone 65 Essential Rx (HMO-POS) — 2,693 enrollees
HMO-POS Plans Without Drug Coverage
2

2026 HMO-POS Medicare Advantage plans in Montgomery County, Pennsylvania (comparison chart)
Plan Name Rating* Premium MOOP Rx Ded. 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 average monthly premium for HMO-POS plans?
HMO-POS plans in Montgomery cost $22.03 per month on average.
Which HMO-POS plan is most popular in Montgomery?
The most popular HMO-POS plan in Montgomery is Keystone 65 Essential Rx (HMO-POS), with 2,693 enrollees.
How many HMO-POS plans in Montgomery do not include drug coverage?
There are 2 HMO-POS plans in Montgomery 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 $0.00/mo
  • Total PFFS Enrollment 25
  • $0 Premium PFFS Plans 1
  • Average MOOP $1,500
  • Top PFFS by Enrollment Humana Gold Choice H8145-163 (PFFS) — 25 enrollees
  • PFFS Plans Without Drug Coverage 1

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

There are 1 PFFS plans in 2026, covering 25 enrollees.

How much do PFFS plans cost in Montgomery?

The average PFFS premium in Montgomery is $0.00 per month, with 1 plans offering $0 premiums.

What is the top PFFS plan in Montgomery?

Humana Gold Choice H8145-163 (PFFS) is the top PFFS in Montgomery, with 25 enrollees.

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

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

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

Quality Ratings for Medicare Advantage Plans in Montgomery County, PA (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

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

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 .

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Data provenance is documented in accordance with the U.S. Core Data for Interoperability (USCDI) Provenance standard .