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2026 Medicare Advantage Plans in Middlesex County, VA

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Middlesex County, VA has 31 Medicare Advantage plans available in 2026. These include 24 plans with no monthly premium, and roughly 35% are rated at least 4 stars based on CMS data.

Medicare Advantage Special Needs Plans (SNPs) are not included in the figures shown above. View Special Needs Plans in Middlesex County, VA. Or explore all Medicare Options available in Middlesex County, VA.

At a Glance

Average Monthly Premium: $9.65/mo
$0 Premium Plans: 24
Average MOOP: $7,977 ($9,250 max. in 2026)
Star Ratings (Plan Mix): 4+ Stars: 35% · 3 Stars: 65% · Below 3: 0%
Average Part D Deductible: $465.43
Total MA/MAPD Enrollment: 1,004
Plans with the Highest Enrollment
(as of September 8, 2026)
1. Anthem Medicare Advantage (HMO-POS) — 154 enrollees
2. Anthem Medicare Advantage 3 (HMO-POS) — 131 enrollees
3. Humana Value Choice H5216-266 (PPO) — 107 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 20
  • Average Monthly Premium $13.83/mo
  • Total PPO Enrollment 514
  • $0 Premium PPO Plans 15
  • Average MOOP $8,023
  • Top PPO by Enrollment Humana Value Choice H5216-266 (PPO) — 107 enrollees
  • PPO Plans Without Drug Coverage 7

Comparison table of 2026 PPO Medicare Advantage Plans available in Middlesex County, Virginia
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
AARP Medicare Advantage from UHC VA-0006
☆☆☆☆☆
 $0 $8,300 $520 H2001-098-0
AARP Medicare Advantage Patriot No Rx VA-MA01
☆☆☆☆☆
 $0 $8,900 N/A H2001-099-0
Aetna Medicare Eagle Giveback
☆☆☆☆☆
 $0 $6,750 N/A H5521-322-0
Aetna Medicare Elite
☆☆☆☆☆
 $0 $7,900 $615 H5521-395-0
Aetna Medicare Enhanced Plus
☆☆☆☆☆
 $26 $6,500 $615 H5521-084-0
Aetna Medicare Premier
☆☆☆☆☆
 $100 $6,750 $615 H5521-652-0
Humana Essentials Plus Giveback H7617-100
☆☆☆☆☆
 $0 $9,250 $360 H7617-100-0
Humana USAA Honor Giveback
☆☆☆☆☆
 $0 $8,700 N/A H7617-101-0
Humana Value Choice H7617-098
☆☆☆☆☆
 $0 $5,900 $350 H7617-098-0
AARP Medicare Advantage from UHC VA-0018
☆☆☆☆☆
 $0 $8,300 $520 H2406-125-0
Anthem Medicare Advantage
☆☆☆☆☆
 $14 $8,950 $250 H4909-014-0
Anthem Veteran
☆☆☆☆☆
 $0 $6,800 N/A H4909-020-0
Humana Essentials Plus Giveback H5216-308
☆☆☆☆☆
 $0 $9,250 $390 H5216-308-0
Humana Full Access R0110-005
☆☆☆☆☆
 $117 $9,250 $615 R0110-005-0
Humana USAA Honor Giveback
☆☆☆☆☆
 $0 $9,250 N/A R0110-006-0
Humana USAA Honor Giveback
☆☆☆☆☆
 $0 $8,700 N/A H5216-310-0
Humana Value Choice H5216-266
☆☆☆☆☆
 $0 $5,900 $350 H5216-266-0
HumanaChoice H5216-363
☆☆☆☆☆
 $20 $9,250 $615 H5216-363-0
HumanaChoice H5216-408
☆☆☆☆☆
 $0 $8,850 $450 H5216-408-0
HumanaChoice R0110-004
☆☆☆☆☆
 $0 $7,000 N/A R0110-004-0
What is the most popular PPO plan in Middlesex?

Humana Value Choice H5216-266 (PPO) is the top PPO in Middlesex, with 107 enrollees.

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

There are 7 PPO plans in Middlesex 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
6
Average Monthly Premium
$2.60/mo
Total HMO Enrollment
92
$0 Premium HMO Plans
5
Average MOOP
$8,975
Top HMO by Enrollment
Humana Gold Plus Giveback H1036-334 (HMO) — 33 enrollees
HMO Plans Without Drug Coverage
0

Comparison table of 2026 HMO Medicare Advantage Plans available in Middlesex County, Virginia
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Humana Gold Plus Giveback H1036-334
☆☆☆☆☆
 $0 $9,250 $450 H1036-334-0
Humana Gold Plus Giveback H6622-090
☆☆☆☆☆
 $0 $9,250 $450 H6622-090-0
Humana Gold Plus H6622-083
☆☆☆☆☆
 $0 $8,950 $350 H6622-083-0
Humana Gold Plus H6622-085
☆☆☆☆☆
 $16 $9,250 $615 H6622-085-0
Humana Total Complete H6622-091
☆☆☆☆☆
 $0 $7,900 $450 H6622-091-0
Humana Gold Plus H5619-157
☆☆☆☆☆
 $0 $9,250 $350 H5619-157-0

What is the typical premium for HMO plans in Middlesex?

HMO plans in Middlesex cost $2.60 per month on average.

Which HMO plan do most beneficiaries choose in Middlesex?

The most popular HMO plan in Middlesex is Humana Gold Plus Giveback H1036-334 (HMO), with 33 enrollees.

How many HMO options are offered without prescription drug coverage in Middlesex?

There are 0 HMO plans in Middlesex 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 3
  • Average Monthly Premium $0.00/mo
  • Total HMO-POS Enrollment 380
  • $0 Premium HMO-POS Plans 3
  • Average MOOP $6,517
  • Top HMO-POS by Enrollment Anthem Medicare Advantage (HMO-POS) — 154 enrollees
  • HMO-POS Plans Without Drug Coverage 0

Comparison table of 2026 HMO-POS Medicare Advantage Plans available in Middlesex County, Virginia
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Anthem Medicare Advantage
☆☆☆☆☆
 $0 $8,550 $250 H3447-013-0
Anthem Medicare Advantage 3
☆☆☆☆☆
 $0 $4,250 $295 H3447-049-0
Aetna Medicare Signature Care
☆☆☆☆☆
 $0 $6,750 $615 H3931-100-0
What is the total number of HMO-POS plans in Middlesex?

In 2026, Middlesex has 3 HMO-POS plans with 380 enrollees.

How much do HMO-POS plans cost in Middlesex?

The typical HMO-POS premium in Middlesex is $0.00, and 3 plans have no monthly premium.

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
2
Average Monthly Premium
$3.50/mo
Total PFFS Enrollment
18
$0 Premium PFFS Plans
1
Average MOOP
$6,725
Top PFFS by Enrollment
Humana Gold Choice H8145-004 (PFFS) — 18 enrollees
PFFS Plans Without Drug Coverage
1

Comparison table of 2026 PFFS Medicare Advantage Plans available in Middlesex County, Virginia
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Humana Gold Choice H8145-004
☆☆☆☆☆
 $7 $7,550 $615 H8145-004-0
Humana Gold Choice H8145-042
☆☆☆☆☆
 $0 $5,900 N/A H8145-042-0
What is the average monthly premium for PFFS plans?
PFFS plans in Middlesex cost $3.50 per month on average.
Which PFFS plan is most popular in Middlesex?
The most popular PFFS plan in Middlesex is Humana Gold Choice H8145-004 (PFFS), with 18 enrollees.
How many PFFS plans in Middlesex do not include drug coverage?
There are 1 PFFS plans in Middlesex without prescription drug coverage.

Below is a breakdown of CMS star ratings for Medicare Advantage plans available in Middlesex County, VA for 2026.

CMS Star Ratings for Medicare Advantage Plans in Middlesex County, VA (2026)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 11 35%
3 Stars 20 65%
Below 3 Stars 0 0%
Not Rated 0 0%
Average Rating 3.81

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

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 .

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Data provenance documentation is maintained in alignment with the U.S. Core Data for Interoperability (USCDI) Provenance standard .