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  1. 🏠
  2. Medicare Advantage Plans
  3. Tennessee
  4. Henderson County

2026 Medicare Advantage Plans in Henderson County, TN

Last update: September 1, 2026.

In Henderson County, TN, there are 30 Medicare Advantage plans available for 2026. Of these, 18 offer a $0 monthly premium, and about 57% 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 Henderson County, TN. Or explore all Medicare Options available in Henderson County, TN.

  • 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
$18.91/mo
Plans with $0 Premium
18
Average MOOP Limit
$5,136 ($9,250 max. in 2026)
Star Ratings (Plan Mix)
4+ Stars: 57% · 3 Stars: 43% · Below 3: 0%
Average Part D Deductible
$442.83
Total MA/MAPD Enrollment
2,670
Plans with the Highest Enrollment
(as of September 8, 2026)
1. BlueAdvantage Garnet (PPO) — 1,617 enrollees
2. Humana Gold Plus H4461-025 (HMO) — 315 enrollees
3. AARP Medicare Advantage Giveback from UHC TC-4 (HMO-POS) — 133 enrollees

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 12
  • Average Monthly Premium $34.58/mo
  • Total PPO Enrollment 1,786
  • $0 Premium PPO Plans 6
  • Average MOOP $4,815
  • Top PPO by Enrollment BlueAdvantage Garnet (PPO) — 1,617 enrollees
  • PPO Plans Without Drug Coverage 3

Comparison table of 2026 PPO Medicare Advantage Plans available in Henderson County, Tennessee
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
AARP Medicare Advantage from UHC TN-0002
☆☆☆☆☆
$0 $5,900 $440 H2001-094-0
Humana Value Plus H7617-088
☆☆☆☆☆
$28 $4,900 $615 H7617-088-0
BlueAdvantage Diamond
☆☆☆☆☆
$157 $2,975 $250 H7917-009-0
BlueAdvantage Extra
☆☆☆☆☆
$28 $5,100 $615 H7917-041-0
BlueAdvantage Freedom
☆☆☆☆☆
$0 $3,200 N/A H7917-039-0
BlueAdvantage Garnet
☆☆☆☆☆
$0 $4,900 $250 H7917-033-0
BlueAdvantage Ruby
☆☆☆☆☆
$89 $3,850 $250 H7917-012-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $3,400 N/A H5216-235-0
Humana Value Plus H5216-180
☆☆☆☆☆
$28 $4,900 $615 H5216-180-0
HumanaChoice R0110-017
☆☆☆☆☆
$0 $4,650 N/A R0110-017-0
HumanaChoice R0110-018
☆☆☆☆☆
$86 $6,500 $590 R0110-018-0
HealthSpring True Choice
☆☆☆☆☆
$0 $7,500 $250 H7849-153-0
What is the total number of PPO plans offered in Henderson?

There are 12 PPO plans in 2026, covering 1,786 beneficiaries.

How much do PPO plans cost in Henderson?

The average PPO premium in Henderson is $34.58 per month, with 6 plans offering $0 premiums.

What is the most popular PPO plan in Henderson?

BlueAdvantage Garnet (PPO) is the top PPO in Henderson, with 1,617 enrollees.

What is the number of PPO plans without Part D coverage in Henderson?

There are 3 PPO plans in Henderson 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
5
Average Monthly Premium
$3.54/mo
Total HMO Enrollment
483
$0 Premium HMO Plans
4
Average MOOP
$4,450
Top HMO by Enrollment
Humana Gold Plus H4461-025 (HMO) — 315 enrollees
HMO Plans Without Drug Coverage
2

Comparison table of 2026 HMO Medicare Advantage Plans available in Henderson County, Tennessee
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
HealthSpring Courage
☆☆☆☆☆
$0 $3,900 N/A H4513-033-0
HealthSpring Preferred
☆☆☆☆☆
$0 $4,900 $200 H4513-049-5
HealthSpring Primary
☆☆☆☆☆
$18 $5,000 $615 H4513-053-0
Humana Gold Plus H4461-025
☆☆☆☆☆
$0 $4,700 $615 H4461-025-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $3,750 N/A H4461-004-0

What is the average monthly premium for HMO plans?

HMO plans in Henderson cost $3.54 per month on average.

Which HMO plan is most popular in Henderson?

The most popular HMO plan in Henderson is Humana Gold Plus H4461-025 (HMO), with 315 enrollees.

How many HMO plans in Henderson do not include drug coverage?

There are 2 HMO plans in Henderson 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.

Total HMO-POS Plans
13
Average Monthly Premium
$10.35/mo
Total HMO-POS Enrollment
401
$0 Premium HMO-POS Plans
8
Average MOOP
$5,697
Top HMO-POS by Enrollment
AARP Medicare Advantage Giveback from UHC TC-4 (HMO-POS) — 133 enrollees
HMO-POS Plans Without Drug Coverage
2

Comparison table of 2026 HMO-POS Medicare Advantage Plans available in Henderson County, Tennessee
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
AARP Medicare Advantage from UHC TN-0003
☆☆☆☆☆
$0 $5,400 $440 H5253-081-0
AARP Medicare Advantage from UHC TN-0004
☆☆☆☆☆
$19 $3,800 $340 H5253-082-0
AARP Medicare Advantage Giveback from UHC TC-4
☆☆☆☆☆
$0 $6,700 $600 H5253-121-0
AARP Medicare Advantage Patriot No Rx TC-MA01
☆☆☆☆☆
$0 $3,900 N/A H5253-113-0
HealthSpring Premier
☆☆☆☆☆
$45 $6,150 $250 H4513-036-0
Wellcare Assist
☆☆☆☆☆
$28 $4,800 $615 H1416-042-0
Wellcare Assist
☆☆☆☆☆
$24 $4,800 $615 H1416-083-0
Wellcare Giveback
☆☆☆☆☆
$0 $6,700 $615 H1416-079-0
Wellcare Patriot Giveback
☆☆☆☆☆
$0 $4,800 N/A H1416-061-0
Wellcare Simple
☆☆☆☆☆
$0 $4,800 $615 H1416-077-0
Wellpoint Extra Help
☆☆☆☆☆
$0 $9,000 $390 H5828-008-0
Wellpoint Medicare Advantage
☆☆☆☆☆
$19 $6,750 $200 H5828-013-0
Wellpoint Medicare Advantage 2
☆☆☆☆☆
$0 $6,460 $200 H5828-016-0
What is the leading HMO-POS plan in Henderson?

AARP Medicare Advantage Giveback from UHC TC-4 (HMO-POS) is the top HMO-POS in Henderson, with 133 enrollees.

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

2 HMO-POS plans in Henderson do not include prescription drug coverage.

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

CMS Star Ratings for Medicare Advantage Plans in Henderson County, TN (2026)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 17 57%
3 Stars 13 43%
Below 3 Stars 0 0%
Not Rated 0 0%
Average Rating 3.67

* 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

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

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.

This page follows data provenance practices aligned with the 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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