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

2026 Medicare Advantage Plans in Philadelphia County, PA

Last update: September 1, 2026.

In Philadelphia County, PA, there are 66 Medicare Advantage plans available for 2026. Of these, 42 offer a $0 monthly premium, and about 52% 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 Philadelphia County, PA. Or explore all Medicare Options available in Philadelphia 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
$27.78/mo
Plans with $0 Premium
42
Average MOOP Limit
$6,858 ($9,250 max. in 2026)
Star Ratings (Plan Mix)
4+ Stars: 52% · 3 Stars: 48% · Below 3: 0%
Average Part D Deductible
$371.15
Total MA/MAPD Enrollment
81,627
Plans with the Highest Enrollment
(as of September 8, 2026)
1. Keystone 65 Basic Rx (HMO) — 13,844 enrollees
2. Humana Gold Plus H6622-037 (HMO) — 5,020 enrollees
3. HealthSpring Preferred Savings (HMO) — 4,342 enrollees

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
34
Average Monthly Premium
$37.13/mo
Total PPO Enrollment
17,836
$0 Premium PPO Plans
20
Average MOOP
$6,979
Top PPO by Enrollment
Personal Choice 65 Achieve Rx (PPO) — 2,396 enrollees
PPO Plans Without Drug Coverage
7

PPO Medicare Advantage plan comparison – Philadelphia County, Pennsylvania, 2026
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS 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 Medical Only
☆☆☆☆☆
$0 $5,950 N/A H3909-007-0
Personal Choice 65 Plus Rx
☆☆☆☆☆
$214 $4,201 $0 H3909-018-0
Personal Choice 65 Rx
☆☆☆☆☆
$227 $5,950 $0 H3909-001-0
Clover Health Choice
☆☆☆☆☆
$0 $7,499 $0 H5141-038-0
Clover Health Valor
☆☆☆☆☆
$0 $9,250 N/A H5141-061-0
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 total number of PPO plans offered in Philadelphia?

Philadelphia County has 34 PPO plans for 2026, with 17,836 enrolled.

How much do PPO plans cost in Philadelphia?

The typical PPO premium in Philadelphia is $37.13, and 20 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
18
Average Monthly Premium
$17.87/mo
Total HMO Enrollment
47,166
$0 Premium HMO Plans
13
Average MOOP
$6,947
Top HMO by Enrollment
Keystone 65 Basic Rx (HMO) — 13,844 enrollees
HMO Plans Without Drug Coverage
4

HMO Medicare Advantage plan comparison – Philadelphia County, Pennsylvania, 2026
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS 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
☆☆☆☆☆
$188 $4,200 $0 H3952-020-0
Keystone 65 Select Medical Only
☆☆☆☆☆
$0 $6,750 N/A H3952-048-0
Keystone 65 Select Rx
☆☆☆☆☆
$47 $6,750 $0 H3952-049-0
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
Perennial Advantage Freedom
☆☆☆☆☆
$0 $5,900 $400 H3419-006-0
What is the average monthly premium for HMO plans?
HMO plans in Philadelphia cost $17.87 per month on average.
Which HMO plan is most popular in Philadelphia?
The most popular HMO plan in Philadelphia is Keystone 65 Basic Rx (HMO), with 13,844 enrollees.
How many HMO plans in Philadelphia do not include drug coverage?
There are 4 HMO plans in Philadelphia 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 13
  • Average Monthly Premium $19.18/mo
  • Total HMO-POS Enrollment 16,605
  • $0 Premium HMO-POS Plans 8
  • Average MOOP $6,831
  • Top HMO-POS by Enrollment Keystone 65 Focus Rx (HMO-POS) — 3,682 enrollees
  • HMO-POS Plans Without Drug Coverage 2

HMO-POS Medicare Advantage plan comparison – Philadelphia County, Pennsylvania, 2026
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 Prime Plus
☆☆☆☆☆
$0 $6,900 $615 H3959-053-0
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
☆☆☆☆☆
$0 $6,750 $0 H3952-053-0
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 total number of HMO-POS plans in Philadelphia?

There are 13 HMO-POS plans in 2026, covering 16,605 enrollees.

How much do HMO-POS plans cost in Philadelphia?

The average HMO-POS premium in Philadelphia is $19.18 per month, with 8 plans offering $0 premiums.

What is the leading HMO-POS plan in Philadelphia?

Keystone 65 Focus Rx (HMO-POS) is the top HMO-POS in Philadelphia, with 3,682 enrollees.

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

2 HMO-POS plans in Philadelphia 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
20
$0 Premium PFFS Plans
1
Average MOOP
$1,500
Top PFFS by Enrollment
Humana Gold Choice H8145-163 (PFFS) — 20 enrollees
PFFS Plans Without Drug Coverage
1

PFFS Medicare Advantage plan comparison – Philadelphia County, Pennsylvania, 2026
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 average monthly premium for PFFS plans?

PFFS plans in Philadelphia cost $0.00 per month on average.

Which PFFS plan is most popular in Philadelphia?

The most popular PFFS plan in Philadelphia is Humana Gold Choice H8145-163 (PFFS), with 20 enrollees.

How many PFFS plans in Philadelphia do not include drug coverage?

There are 1 PFFS plans in Philadelphia without prescription drug coverage.

The table below shows CMS star ratings for Medicare Advantage plans in Philadelphia County, PA for 2026.

CMS Star Ratings for Medicare Advantage Plans in Philadelphia County, PA (2026)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 32 52%
3 Stars 29 48%
Below 3 Stars 0 0%
Not Rated 5 8%
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 & 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

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 .

  • Medicare.gov, "Compare types of Medicare Advantage Plans" — Last accessed 25 May, 2025
  • Medicare.gov, "Your coverage options" — Last accessed 25 May, 2025
  • AARP.org, "The Big Choice: Original Medicare vs. Medicare Advantage" — 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 documentation is maintained in alignment 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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