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  1. 🏠
  2. Medicare Advantage Plans
  3. Virginia
  4. Albemarle County

2027 Medicare Advantage Plans in Albemarle County, VA

Last update: November 7, 2026.

In Albemarle County, VA, there are 26 Medicare Advantage plans available for 2027. Of these, 22 offer a $0 monthly premium, and about 73% are rated 4 stars or higher based on CMS quality ratings.

  • 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
$13.19/mo
Plans with $0 Premium
22
Average MOOP Limit
$8,858 ($9,250 max. in 2027)
Star Ratings (Plan Mix)
4+ Stars: 73% · 3 Stars: 27% · Below 3: 0%
Average Part D Deductible
$592.89
Total MA/MAPD Enrollment
3,641
Plans with the Highest Enrollment
(as of November 10, 2026)
1. Anthem Medicare Advantage 3 (HMO-POS) — 822 enrollees
2. Humana Value Choice (PPO) — 690 enrollees
3. Humana Essentials Plus Giveback (PPO) — 332 enrollees

Medicare Advantage Special Needs Plans (SNPs) are not included in the figures shown above. View Special Needs Plans in Albemarle County, VA. Or explore all Medicare Options available in Albemarle County, VA. To understand how local plans fit into the broader market, visit our Virginia Medicare Advantage plan directory for statewide plan counts, premiums, out-of-pocket limits, CMS ratings, and enrollment data.

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 19
  • Average Monthly Premium $18.05/mo
  • Total PPO Enrollment 2,152
  • $0 Premium PPO Plans 15
  • Average MOOP $8,826
  • Top PPO by Enrollment Humana Value Choice (PPO) — 690 enrollees
  • PPO Plans Without Drug Coverage 7

Comparison table of 2027 PPO Medicare Advantage Plans available in Albemarle County, Virginia
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
AARP Medicare Advantage Essentials from UHC VA-6
☆☆☆☆☆
$0 $8,900 $685 H2001-098-0
AARP Medicare Advantage Patriot No Rx VA-MA01
☆☆☆☆☆
$0 $8,900 N/A H2001-099-0
Humana Essentials Plus Giveback
☆☆☆☆☆
$0 $9,850 $700 H7617-100-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $9,850 N/A H7617-101-0
Humana Value Choice
☆☆☆☆☆
$0 $7,150 $450 H7617-098-0
HumanaChoice H7617-125
☆☆☆☆☆
$58 $9,850 $450 H7617-125-0
AARP Medicare Advantage Extras from UHC VA-18
☆☆☆☆☆
$0 $9,300 $685 H2406-125-0
Aetna Medicare Eagle Giveback
☆☆☆☆☆
$0 $6,750 N/A H5521-322-0
Aetna Medicare Enhanced Plus
☆☆☆☆☆
$48 $7,500 $700 H5521-721-0
Aetna Medicare Premier
☆☆☆☆☆
$79 $6,750 $700 H5521-652-0
Humana Essentials Plus Giveback
☆☆☆☆☆
$0 $9,850 $700 H5216-308-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $9,850 N/A H5216-310-0
Humana Value Choice
☆☆☆☆☆
$0 $7,150 $450 H5216-266-0
HumanaChoice H5216-363
☆☆☆☆☆
$0 $9,850 $700 H5216-363-0
HumanaChoice H5216-408
☆☆☆☆☆
$0 $9,850 $700 H5216-408-0
Humana Full Access
☆☆☆☆☆
$158 $9,850 $700 R0110-005-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $9,850 N/A R0110-006-0
HumanaChoice R0110-004
☆☆☆☆☆
$0 $9,850 N/A R0110-004-0
Anthem Veteran
☆☆☆☆☆
$0 $6,800 N/A H4909-020-0
What is the total number of PPO plans offered in Albemarle?

There are 19 PPO plans in 2027, covering 2,152 beneficiaries.

How much do PPO plans cost in Albemarle?

The average PPO premium in Albemarle is $18.05 per month, with 15 plans offering $0 premiums.

What is the most popular PPO plan in Albemarle?

Humana Value Choice (PPO) is the top PPO in Albemarle, with 690 enrollees.

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

There are 7 PPO plans in Albemarle 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
4
Average Monthly Premium
$0.00/mo
Total HMO Enrollment
387
$0 Premium HMO Plans
4
Average MOOP
$9,850
Top HMO by Enrollment
Humana Gold Plus H5619-135 (HMO) — 150 enrollees
HMO Plans Without Drug Coverage
0

Comparison table of 2027 HMO Medicare Advantage Plans available in Albemarle County, Virginia
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Humana Gold Plus H5619-135
☆☆☆☆☆
$0 $9,850 $700 H5619-135-0
Humana Gold Plus H6622-085
☆☆☆☆☆
$0 $9,850 $400 H6622-085-0
Humana Total Complete
☆☆☆☆☆
$0 $9,850 $450 H6622-083-0
Humana Total Complete
☆☆☆☆☆
$0 $9,850 $700 H6622-091-0

What is the average monthly premium for HMO plans?

HMO plans in Albemarle cost $0.00 per month on average.

Which HMO plan is most popular in Albemarle?

The most popular HMO plan in Albemarle is Humana Gold Plus H5619-135 (HMO), with 150 enrollees.

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

There are 0 HMO plans in Albemarle 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
3
Average Monthly Premium
$0.00/mo
Total HMO-POS Enrollment
1,102
$0 Premium HMO-POS Plans
3
Average MOOP
$7,733
Top HMO-POS by Enrollment
Anthem Medicare Advantage 3 (HMO-POS) — 822 enrollees
HMO-POS Plans Without Drug Coverage
0

Comparison table of 2027 HMO-POS Medicare Advantage Plans available in Albemarle County, Virginia
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Aetna Medicare Signature
☆☆☆☆☆
$0 $7,500 $700 H3931-101-0
Anthem Medicare Advantage 2
☆☆☆☆☆
$0 $9,850 $300 H3447-025-0
Anthem Medicare Advantage 3
☆☆☆☆☆
$0 $5,850 $395 H3447-050-0
What is the leading HMO-POS plan in Albemarle?

Anthem Medicare Advantage 3 (HMO-POS) is the top HMO-POS in Albemarle, with 822 enrollees.

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

0 HMO-POS plans in Albemarle do not include prescription drug coverage.

The table below shows CMS star ratings for Medicare Advantage plans in Albemarle County, VA for 2027.

CMS Star Ratings for Medicare Advantage Plans in Albemarle County, VA (2027)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 19 73%
3 Stars 7 27%
Below 3 Stars 0 0%
Not Rated 0 0%
Average Rating 3.92

* Medicare Advantage star ratings are determined by CMS each year using a standardized 5-star rating system.

Medicare Advantage plans listed on this page are available to eligible beneficiaries residing in Albemarle County, Virginia, including communities such as Charlottesville, Crozet, Earlysville, Keswick, North Garden, Scottsville, 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: 2026-10

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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