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  1. 🏠
  2. Medicare Advantage Plans
  3. Puerto Rico
  4. Isabela Municipio

2027 Medicare Advantage Plans in Isabela Municipio, PR

Last update: October 5, 2026.

For 2027, Isabela Municipio, PR includes 24 Medicare Advantage plans. Enrollment across these plans totals approximately 3,131, with 24 $0 premium options and (2027 Star Ratings Coming Soon) rated 4 stars or higher.

This page and its statistics exclude Medicare Advantage Special Needs Plans (SNPs). Special Needs Plans in Isabela Municipio, PR are summarized separately. Visit Medicare Options in Isabela Municipio, PR to see more options.

  • 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: $0.00/mo
  • $0 Premium Plans: 24
  • Average MOOP: $3,594 ($9,250 max. in 2027)
  • Star Ratings (Plan Mix): (2027 Star Ratings Coming Soon)
  • Average Part D Deductible: $0.00
  • Total MA/MAPD Enrollment: 3,131
  • Plans with the Highest Enrollment
    (as of October 5, 2026)
    1. MCS Classicare Excede (HMO) — 1,233 enrollees
    2. MCS Classicare Firme (HMO) — 644 enrollees
    3. Ahorro Plus (HMO) — 555 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
1
Average Monthly Premium
$0.00/mo
Total PPO Enrollment
16
$0 Premium PPO Plans
1
Average MOOP
$7,151
Top PPO by Enrollment
Óptimo Plus (PPO) — 16 enrollees
PPO Plans Without Drug Coverage
0

2027 PPO Medicare Advantage plans in Isabela Municipio, Puerto Rico (comparison chart)
Plan Name CMS Stars* Premium/Mo MOOP Rx Ded. CMS ID
Óptimo Plus
☆☆☆☆☆
$0 $7,151 $0 H4005-004-0
What is the average monthly premium for PPO plans in Isabela?
PPO plans in Isabela cost $0.00 per month on average.
Which PPO plan has the highest enrollment in Isabela?
The most popular PPO plan in Isabela is Óptimo Plus (PPO), with 16 enrollees.
How many PPO plans in Isabela do not include prescription drug coverage?
0 PPO plans in Isabela 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
11
Average Monthly Premium
$0.00/mo
Total HMO Enrollment
2,719
$0 Premium HMO Plans
11
Average MOOP
$3,545
Top HMO by Enrollment
MCS Classicare Excede (HMO) — 1,233 enrollees
HMO Plans Without Drug Coverage
1

2027 HMO Medicare Advantage plans in Isabela Municipio, Puerto Rico (comparison chart)
Plan Name CMS Stars* Premium/Mo MOOP Rx Ded. CMS ID
Ahorro Plus
☆☆☆☆☆
$0 $4,200 $0 H5774-047-1
Enlace Plus
☆☆☆☆☆
$0 $4,200 $0 H5774-038-0
MCS Classicare Efectivo
☆☆☆☆☆
$0 $3,400 $0 H5577-005-0
MCS Classicare En Tu Hogar
☆☆☆☆☆
$0 $3,400 $0 H5577-043-0
MCS Classicare Estrella
☆☆☆☆☆
$0 $3,400 $0 H5577-060-0
MCS Classicare Excede
☆☆☆☆☆
$0 $3,400 $0 H5577-056-1
MCS Classicare Firme
☆☆☆☆☆
$0 $3,400 $0 H5577-042-0
MCS Classicare Hero
☆☆☆☆☆
$0 $3,400 $0 H5577-044-0
MCS Classicare InteliCare
☆☆☆☆☆
$0 $3,400 $0 H5577-052-0
MCS Classicare Patriot
☆☆☆☆☆
$0 $3,400 N/A H5577-016-0
MCS Classicare RxMax
☆☆☆☆☆
$0 $3,400 $0 H5577-059-0
What is the total number of HMO plans offered in Isabela?

There are 11 HMO plans in 2027, covering 2,719 enrollees.

How much do HMO plans cost in Isabela?

The average HMO premium in Isabela is $0.00 per month, with 11 plans offering $0 premiums.

What is the top HMO by enrollment in Isabela?

MCS Classicare Excede (HMO) is the top HMO in Isabela, with 1,233 enrollees.

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

1 HMO plans in Isabela 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
12
Average Monthly Premium
$0.00/mo
Total HMO-POS Enrollment
396
$0 Premium HMO-POS Plans
12
Average MOOP
$3,342
Top HMO-POS by Enrollment
MCS Classicare Essential (HMO-POS) — 119 enrollees
HMO-POS Plans Without Drug Coverage
1

2027 HMO-POS Medicare Advantage plans in Isabela Municipio, Puerto Rico (comparison chart)
Plan Name CMS Stars* Premium/Mo MOOP Rx Ded. CMS ID
Triple S Advantage Brillante
☆☆☆☆☆
$0 $4,200 $0 H5774-031-0
MCS Classicare Essential
☆☆☆☆☆
$0 $3,400 $0 H5577-008-0
MMM Balance
☆☆☆☆☆
$0 $3,250 $0 H4004-073-1
MMM Deluxe
☆☆☆☆☆
$0 $3,250 $0 H4003-055-0
MMM Elite
☆☆☆☆☆
$0 $3,250 $0 H4003-034-0
MMM Estela
☆☆☆☆☆
$0 $3,250 $0 H4003-059-1
MMM Grandioso
☆☆☆☆☆
$0 $3,250 $0 H4004-070-0
MMM Mega Flex
☆☆☆☆☆
$0 $3,250 $0 H4004-071-0
MMM Plenitud
☆☆☆☆☆
$0 $3,250 $0 H4004-065-0
MMM Valiente
☆☆☆☆☆
$0 $3,250 N/A H4004-075-0
MMM Valioso
☆☆☆☆☆
$0 $3,250 $0 H4004-066-0
PMC Max
☆☆☆☆☆
$0 $3,250 $0 H4004-056-0

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

HMO-POS plans in Isabela cost $0.00 per month on average.

Which HMO-POS plan is most popular in Isabela?

The most popular HMO-POS plan in Isabela is MCS Classicare Essential (HMO-POS), with 119 enrollees.

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

There are 1 HMO-POS plans in Isabela without prescription drug coverage.

CMS quality ratings for Medicare Advantage plans in Isabela Municipio, PR (2027) are summarized below.

Medicare Advantage Plan Ratings in Isabela Municipio, PR (2027)
Rating Category Number of Plans Percent of Plans
5 Stars (2027 Star Ratings Coming Soon) (2027 Star Ratings Coming Soon)
4 Stars (includes 5 Stars) (2027 Star Ratings Coming Soon) (2027 Star Ratings Coming Soon)
3 Stars (2027 Star Ratings Coming Soon) (2027 Star Ratings Coming Soon)
Below 3 Stars (2027 Star Ratings Coming Soon) (2027 Star Ratings Coming Soon)
Not Rated (2027 Star Ratings Coming Soon) (2027 Star Ratings Coming Soon)
Average Rating (2027 Star Ratings Coming Soon)

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

Primary CMS datasets used for this Medicare Advantage Plan county resource.
Data Source Publisher CMS Version
Landscape Source Files Centers for Medicare & Medicaid Services CY2027 Landscape (202609.1)
Medicare Part C & D Performance Centers for Medicare & Medicaid Services 2027 Star Ratings Data Tables
Plan Benefits Package Centers for Medicare & Medicaid Services PBP Benefits-2027
Monthly Enrollment by Contract/Plan/State/County Centers for Medicare & Medicaid Services 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.

Secondary Medicare references and explanatory resources.
Publisher Reference Last Accessed
Medicare.gov Understanding Medicare Advantage Plans 25 May, 2025
Medicare.gov Compare Original Medicare & Medicare Advantage 25 May, 2025
NCOA.org 5 Steps to Choosing the Right Medicare Plan for You 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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