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  1. 🏠
  2. Medicare Advantage Plans
  3. Washington
  4. Cowlitz County

2026 Medicare Advantage Plans in Cowlitz County, WA

Last update: September 1, 2026.

In Cowlitz County, WA, there are 32 Medicare Advantage plans available for 2026. Of these, 21 offer a $0 monthly premium, and about 36% 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 Cowlitz County, WA. Or explore all Medicare Options available in Cowlitz County, WA.

  • 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
$21.41/mo
Plans with $0 Premium
21
Average MOOP Limit
$6,316 ($9,250 max. in 2026)
Star Ratings (Plan Mix)
4+ Stars: 36% · 3 Stars: 61% · Below 3: 4%
Average Part D Deductible
$389.63
Total MA/MAPD Enrollment
14,291
Plans with the Highest Enrollment
(as of September 8, 2026)
1. AARP Medicare Advantage Extras from UHC WA-14 (HMO-POS) — 2,419 enrollees
2. Kaiser Permanente Senior Advantage Standard (HMO-POS) — 2,334 enrollees
3. Kaiser Permanente Senior Advantage Enhanced (HMO-POS) — 2,264 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
17
Average Monthly Premium
$17.35/mo
Total PPO Enrollment
3,192
$0 Premium PPO Plans
12
Average MOOP
$6,947
Top PPO by Enrollment
HumanaChoice H7617-019 (PPO) — 614 enrollees
PPO Plans Without Drug Coverage
5

PPO Medicare Advantage plan comparison – Cowlitz County, Washington, 2026
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
AARP Medicare Advantage from UHC WA-12
☆☆☆☆☆
$0 $6,700 $600 H2001-087-0
AARP Medicare Advantage from UHC WA-16
☆☆☆☆☆
$56 $6,700 $600 H2001-136-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $9,150 N/A H7617-021-0
HumanaChoice H7617-016
☆☆☆☆☆
$87 $6,750 $615 H7617-016-0
HumanaChoice H7617-019
☆☆☆☆☆
$0 $7,050 $350 H7617-019-0
AARP Medicare Advantage from UHC WA-0002
☆☆☆☆☆
$22 $8,500 $600 H1278-029-0
AARP Medicare Advantage from UHC WA-0004
☆☆☆☆☆
$43 $6,700 $600 H1278-032-0
AARP Medicare Advantage Patriot No Rx WA-MA01
☆☆☆☆☆
$0 $6,700 N/A H1278-031-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $9,150 N/A H5216-427-1
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $5,100 N/A H5216-455-0
HumanaChoice H5216-048
☆☆☆☆☆
$87 $6,750 $615 H5216-048-0
HumanaChoice H5216-426
☆☆☆☆☆
$0 $7,050 $350 H5216-426-0
HumanaChoice H5216-428
☆☆☆☆☆
$0 $5,800 $615 H5216-428-1
HealthSpring True Choice
☆☆☆☆☆
$0 $6,800 $250 H7849-152-0
Wellcare Patriot Giveback Open
☆☆☆☆☆
$0 $5,700 N/A H5965-003-0
DEVOTED CHOICE 001 WA
☆☆☆☆☆
$0 $6,750 $370 H8917-001-0
DEVOTED CHOICE GIVEBACK 002 WA
☆☆☆☆☆
$0 $6,750 $605 H8917-002-0
What is the total number of PPO plans offered in Cowlitz?

Cowlitz County has 17 PPO plans for 2026, with 3,192 enrolled.

How much do PPO plans cost in Cowlitz?

The typical PPO premium in Cowlitz is $17.35, and 12 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
6
Average Monthly Premium
$19.50/mo
Total HMO Enrollment
653
$0 Premium HMO Plans
4
Average MOOP
$5,158
Top HMO by Enrollment
Humana Gold Plus H1036-322 (HMO) — 283 enrollees
HMO Plans Without Drug Coverage
0

HMO Medicare Advantage plan comparison – Cowlitz County, Washington, 2026
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Humana Gold Plus H1036-322
☆☆☆☆☆
$0 $5,900 $200 H1036-322-0
HealthSpring Preferred
☆☆☆☆☆
$0 $5,000 $200 H4407-035-0
Humana Gold Plus H5619-059
☆☆☆☆☆
$54 $3,400 $100 H5619-059-0
Humana Gold Plus H5619-061
☆☆☆☆☆
$63 $4,200 $615 H5619-061-0
Humana Gold Plus H5619-133
☆☆☆☆☆
$0 $6,550 $300 H5619-133-0
Humana Gold Plus H5619-174
☆☆☆☆☆
$0 $5,900 $200 H5619-174-0
What is the average monthly premium for HMO plans?
HMO plans in Cowlitz cost $19.50 per month on average.
Which HMO plan is most popular in Cowlitz?
The most popular HMO plan in Cowlitz is Humana Gold Plus H1036-322 (HMO), with 283 enrollees.
How many HMO plans in Cowlitz do not include drug coverage?
There are 0 HMO plans in Cowlitz 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 9
  • Average Monthly Premium $30.33/mo
  • Total HMO-POS Enrollment 10,446
  • $0 Premium HMO-POS Plans 5
  • Average MOOP $5,894
  • Top HMO-POS by Enrollment AARP Medicare Advantage Extras from UHC WA-14 (HMO-POS) — 2,419 enrollees
  • HMO-POS Plans Without Drug Coverage 0

HMO-POS Medicare Advantage plan comparison – Cowlitz County, Washington, 2026
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Kaiser Permanente Senior Advantage Enhanced
☆☆☆☆☆
$119 $3,500 $0 H9003-001-0
Kaiser Permanente Senior Advantage Standard
☆☆☆☆☆
$37 $4,500 $0 H9003-006-0
Kaiser Permanente Senior Advantage Value
☆☆☆☆☆
$0 $5,500 $0 H9003-009-0
AARP Medicare Advantage Essentials from UHC WA-6
☆☆☆☆☆
$0 $6,300 $355 H3805-017-0
AARP Medicare Advantage Extras from UHC WA-14
☆☆☆☆☆
$0 $6,700 $440 H3805-044-0
AARP Medicare Advantage from UHC WA-0005
☆☆☆☆☆
$38 $5,900 $355 H3805-015-0
AARP Medicare Advantage from UHC WA-0010
☆☆☆☆☆
$79 $4,900 $355 H3805-037-0
Wellcare Giveback
☆☆☆☆☆
$0 $9,250 $615 H0029-009-0
Wellcare Simple
☆☆☆☆☆
$0 $6,500 $615 H0029-011-0
What is the total number of HMO-POS plans in Cowlitz?

There are 9 HMO-POS plans in 2026, covering 10,446 enrollees.

How much do HMO-POS plans cost in Cowlitz?

The average HMO-POS premium in Cowlitz is $30.33 per month, with 5 plans offering $0 premiums.

What is the leading HMO-POS plan in Cowlitz?

AARP Medicare Advantage Extras from UHC WA-14 (HMO-POS) is the top HMO-POS in Cowlitz, with 2,419 enrollees.

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

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

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

CMS Star Ratings for Medicare Advantage Plans in Cowlitz County, WA (2026)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 10 36%
3 Stars 17 61%
Below 3 Stars 1 4%
Not Rated 4 13%
Average Rating 3.66

* 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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