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

2027 Medicare Advantage Plans in Philadelphia County, PA

Last update: October 5, 2026.

For 2027, Philadelphia County, PA includes 63 Medicare Advantage plans. Enrollment across these plans totals approximately 79,475, with 43 $0 premium options and 66% rated 4 stars or higher.

  • PPO Plans
  • HMO Plans
  • HMO-POS Plans

At a Glance

County-level summary of Medicare Advantage plan availability and enrollment based on CMS data.

  • Average Monthly Premium: $23.45/mo
  • $0 Premium Plans: 43
  • Average MOOP: $7,607 ($9,250 max. in 2027)
  • Star Ratings (Plan Mix): 4+ Stars: 66% · 3 Stars: 34% · Below 3: 0%
  • Average Part D Deductible: $516.45
  • Total MA/MAPD Enrollment: 79,475
  • Plans with the Highest Enrollment
    (as of October 5, 2026)
    1. Keystone 65 Basic Rx (HMO) — 13,816 enrollees
    2. Humana Total Complete (HMO) — 4,961 enrollees
    3. HealthSpring Preferred Savings (HMO) — 4,337 enrollees

This page and its statistics exclude Medicare Advantage Special Needs Plans (SNPs). Special Needs Plans in Philadelphia County, PA are summarized separately. Visit Medicare Options in Philadelphia County, PA to see more options. For a broader perspective, explore Pennsylvania Medicare Advantage plans, including statewide premiums, out-of-pocket costs, CMS ratings, and enrollment comparisons.

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
$30.85/mo
Total PPO Enrollment
16,481
$0 Premium PPO Plans
20
Average MOOP
$7,576
Top PPO by Enrollment
Personal Choice 65 Achieve Rx (PPO) — 2,403 enrollees
PPO Plans Without Drug Coverage
7

2027 PPO Medicare Advantage plans in Philadelphia County, Pennsylvania (comparison chart)
Plan Name CMS Stars* Premium/Mo MOOP Rx Ded. CMS ID
Clover Health Choice
☆☆☆☆☆
$0 $9,850 $0 H5141-038-0
Clover Health Valor
☆☆☆☆☆
$0 $9,850 N/A H5141-061-0
Aetna Medicare Advantra Premier
☆☆☆☆☆
$128 $7,150 $700 H5522-014-0
Aetna Medicare Advantra Signature Giveback
☆☆☆☆☆
$0 $9,850 $700 H5522-017-0
Aetna Medicare Elite
☆☆☆☆☆
$0 $9,850 $700 H5522-028-0
Complete Blue PPO Distinct
☆☆☆☆☆
$137 $6,750 $700 H3916-062-0
Freedom Blue PPO Valor
☆☆☆☆☆
$0 $6,000 N/A H3916-056-0
UPMC for Life PPO Salute
☆☆☆☆☆
$0 $9,850 N/A H5533-016-2
AARP Medicare Advantage from UHC PA-0008
☆☆☆☆☆
$60 $5,900 $685 H2406-047-0
AARP Medicare Advantage from UHC PA-0009
☆☆☆☆☆
$81 $7,150 $685 H2406-048-0
AARP Medicare Advantage from UHC PA-0010
☆☆☆☆☆
$0 $7,150 $685 H2406-071-0
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
Humana Essentials Plus Giveback
☆☆☆☆☆
$0 $8,250 $700 H5525-085-2
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $6,700 N/A H5216-221-0
Humana USAA Honor Giveback with Rx
☆☆☆☆☆
$0 $7,350 $700 H5525-059-0
Humana Value Choice
☆☆☆☆☆
$0 $7,750 $700 H5525-051-2
HumanaChoice Giveback H5216-116
☆☆☆☆☆
$0 $4,150 N/A H5216-116-0
HumanaChoice H5216-120
☆☆☆☆☆
$107 $7,600 $700 H5216-120-0
HumanaChoice H5525-005
☆☆☆☆☆
$39 $8,300 $700 H5525-005-0
HumanaChoice H5525-086
☆☆☆☆☆
$38 $6,050 $700 H5525-086-2
Personal Choice 65 Achieve Rx
☆☆☆☆☆
$0 $9,850 $700 H3909-020-0
Personal Choice 65 Medical Only
☆☆☆☆☆
$0 $5,950 N/A H3909-007-0
Personal Choice 65 Rx
☆☆☆☆☆
$243 $5,950 $0 H3909-001-0
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 003 PA
☆☆☆☆☆
$0 $9,850 $461 H6018-003-0
HealthSpring True Choice
☆☆☆☆☆
$9 $7,900 $700 H7849-151-0
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 average monthly premium for PPO plans in Philadelphia?
PPO plans in Philadelphia cost $30.85 per month on average.
Which PPO plan has the highest enrollment in Philadelphia?
The most popular PPO plan in Philadelphia is Personal Choice 65 Achieve Rx (PPO), with 2,403 enrollees.
How many PPO plans in Philadelphia do not include prescription drug coverage?
7 PPO plans in Philadelphia do not include prescription drug coverage.

Medicare Advantage HMO Plans

Health Maintenance Organization (HMO) plans are built around a defined network of doctors and hospitals. Care is generally covered only within the network, except in emergencies, but this structure often results in lower premiums and out-of-pocket costs.

Total HMO Plans
21
Average Monthly Premium
$17.61/mo
Total HMO Enrollment
47,058
$0 Premium HMO Plans
15
Average MOOP
$7,445
Top HMO by Enrollment
Keystone 65 Basic Rx (HMO) — 13,816 enrollees
HMO Plans Without Drug Coverage
5

2027 HMO Medicare Advantage plans in Philadelphia County, Pennsylvania (comparison chart)
Plan Name CMS Stars* Premium/Mo MOOP Rx Ded. CMS ID
UPMC for Life HMO No Rx
☆☆☆☆☆
$0 $6,500 N/A H3907-002-0
Geisinger Gold Heritage
☆☆☆☆☆
$0 $6,700 N/A H3954-162-0
Geisinger Gold Value Rx
☆☆☆☆☆
$29 $9,000 $0 H3954-163-0
Humana Total Complete
☆☆☆☆☆
$0 $8,200 $700 H6622-037-0
Keystone 65 Assured Rx
☆☆☆☆☆
$0 $9,850 $700 H3952-062-0
Keystone 65 Basic Rx
☆☆☆☆☆
$15 $9,500 $700 H3952-055-0
Keystone 65 Liberty Medical Only
☆☆☆☆☆
$0 $7,150 N/A H3952-059-0
Keystone 65 Preferred Medical Only
☆☆☆☆☆
$0 $4,450 N/A H3952-008-0
Keystone 65 Preferred Rx
☆☆☆☆☆
$202 $4,450 $0 H3952-020-0
Keystone 65 Select Medical Only
☆☆☆☆☆
$0 $6,750 N/A H3952-048-0
Keystone 65 Select Rx
☆☆☆☆☆
$67 $6,750 $0 H3952-049-0
DEVOTED CORE 023 PA
☆☆☆☆☆
$0 $7,500 $650 H6852-023-0
DEVOTED GIVEBACK EXTRAS 036 PA
☆☆☆☆☆
$0 $8,400 $700 H6852-036-0
HealthSpring Preferred
☆☆☆☆☆
$0 $7,700 $500 H3949-052-0
HealthSpring Preferred PA
☆☆☆☆☆
$0 $8,700 $400 H3949-031-0
HealthSpring Preferred Plus
☆☆☆☆☆
$44 $7,150 $500 H3949-030-0
HealthSpring Preferred Savings
☆☆☆☆☆
$0 $9,250 $300 H3949-053-0
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
Perennial Advantage Freedom
☆☆☆☆☆
$0 $4,500 $400 H3419-006-0
What is the total number of HMO plans offered in Philadelphia?

There are 21 HMO plans in 2027, covering 47,058 enrollees.

How much do HMO plans cost in Philadelphia?

The average HMO premium in Philadelphia is $17.61 per month, with 15 plans offering $0 premiums.

What is the top HMO by enrollment in Philadelphia?

Keystone 65 Basic Rx (HMO) is the top HMO in Philadelphia, with 13,816 enrollees.

What is the number of HMO plans without Part D coverage in Philadelphia?

5 HMO plans in Philadelphia do not include prescription drug coverage.

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
11
Average Monthly Premium
$13.73/mo
Total HMO-POS Enrollment
15,936
$0 Premium HMO-POS Plans
8
Average MOOP
$8,005
Top HMO-POS by Enrollment
Keystone 65 Focus Rx (HMO-POS) — 3,660 enrollees
HMO-POS Plans Without Drug Coverage
2

2027 HMO-POS Medicare Advantage plans in Philadelphia County, Pennsylvania (comparison chart)
Plan Name CMS Stars* Premium/Mo MOOP Rx Ded. CMS ID
AARP Medicare Advantage Essentials from UHC PA-5
☆☆☆☆☆
$0 $6,700 $685 H5253-154-0
AARP Medicare Advantage Extras from UHC PA-18
☆☆☆☆☆
$0 $7,150 $685 H5253-203-0
AARP Medicare Advantage from UHC PA-0001
☆☆☆☆☆
$63 $6,700 $685 H5253-145-0
AARP Medicare Advantage Patriot No Rx PA-MA01
☆☆☆☆☆
$0 $7,150 N/A H5253-152-0
Keystone 65 Essential Rx
☆☆☆☆☆
$45 $9,000 $700 H3952-060-0
Keystone 65 Focus Rx
☆☆☆☆☆
$0 $7,150 $700 H3952-053-0
Aetna Medicare Advantra Eagle
☆☆☆☆☆
$0 $7,150 N/A H3959-094-0
Aetna Medicare Advantra Prime Plus
☆☆☆☆☆
$0 $7,500 $400 H3959-053-0
Aetna Medicare Advantra Signature
☆☆☆☆☆
$0 $9,850 $400 H3959-052-0
Aetna Medicare Value Care
☆☆☆☆☆
$43 $9,850 $700 H3959-033-0
Wellcare Simple
☆☆☆☆☆
$0 $9,850 $700 H2915-003-0

What is the average monthly premium for HMO-POS plans?

HMO-POS plans in Philadelphia cost $13.73 per month on average.

Which HMO-POS plan is most popular in Philadelphia?

The most popular HMO-POS plan in Philadelphia is Keystone 65 Focus Rx (HMO-POS), with 3,660 enrollees.

How many HMO-POS plans in Philadelphia do not include drug coverage?

There are 2 HMO-POS plans in Philadelphia without prescription drug coverage.

CMS quality ratings for Medicare Advantage plans in Philadelphia County, PA (2027) are summarized below.

Medicare Advantage Plan Ratings in Philadelphia County, PA (2027)
Rating Category Number of Plans Percent of Plans
5 Stars 2 3%
4 Stars (includes 5 Stars) 41 66%
3 Stars 21 34%
Below 3 Stars 0 0%
Not Rated 1 2%
Average Rating 3.82

* CMS assigns Medicare Advantage star ratings annually based on plan quality and performance measures.

Medicare Advantage plans listed on this page are available to eligible beneficiaries residing in Philadelphia County, Pennsylvania, including communities such as Philadelphia, and other areas throughout the county. Plan availability is determined by county of residence, not by city.

  • CMS.gov, Medicare Advantage & Special Needs Plan Landscape Source Files — Version: 202609
  • CMS.gov, Medicare Part C & D Performance Data — Version: 2026
  • CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Version: 2026-09

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, "Compare Original Medicare & Medicare Advantage" — 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 informational resource and has no affiliation with, or endorsement from, 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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