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

2026 Medicare Advantage Plans in Spokane County, WA

Last update: September 1, 2026.

In Spokane County, WA, there are 32 Medicare Advantage plans available for 2026. Of these, 24 offer a $0 monthly premium, and about 50% 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 Spokane County, WA. Or explore all Medicare Options available in Spokane 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
$12.67/mo
Plans with $0 Premium
24
Average MOOP Limit
$6,370 ($9,250 max. in 2026)
Star Ratings (Plan Mix)
4+ Stars: 50% · 3 Stars: 46% · Below 3: 4%
Average Part D Deductible
$462.73
Total MA/MAPD Enrollment
45,809
Plans with the Highest Enrollment
(as of September 8, 2026)
1. AARP Medicare Advantage Essentials from UHC WA-8 (HMO-POS) — 13,555 enrollees
2. AARP Medicare Advantage Extras from UHC WA-15 (HMO-POS) — 8,459 enrollees
3. Kaiser Permanente Medicare Advantage Centennial (HMO) — 5,653 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
14
Average Monthly Premium
$15.86/mo
Total PPO Enrollment
5,694
$0 Premium PPO Plans
11
Average MOOP
$6,871
Top PPO by Enrollment
Aetna Medicare Signature Extra (PPO) — 1,668 enrollees
PPO Plans Without Drug Coverage
5

PPO Medicare Advantage plan comparison – Spokane County, Washington, 2026
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
AARP Medicare Advantage from UHC WA-17
☆☆☆☆☆
$0 $6,500 $520 H2001-137-0
Aetna Medicare Eagle
☆☆☆☆☆
$0 $5,500 N/A H5521-330-0
Aetna Medicare Enhanced
☆☆☆☆☆
$48 $6,900 $500 H5521-686-0
Aetna Medicare Signature Extra
☆☆☆☆☆
$0 $6,900 $615 H5521-431-0
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-0001
☆☆☆☆☆
$0 $7,900 $600 H1278-028-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $5,100 N/A H5216-455-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $9,150 N/A H5216-427-1
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
Wellcare Patriot Giveback Open
☆☆☆☆☆
$0 $5,700 N/A H5965-003-0
What is the total number of PPO plans offered in Spokane?

Spokane County has 14 PPO plans for 2026, with 5,694 enrolled.

How much do PPO plans cost in Spokane?

The typical PPO premium in Spokane is $15.86, and 11 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
9
Average Monthly Premium
$14.44/mo
Total HMO Enrollment
11,087
$0 Premium HMO Plans
7
Average MOOP
$5,478
Top HMO by Enrollment
Kaiser Permanente Medicare Advantage Centennial (HMO) — 5,653 enrollees
HMO Plans Without Drug Coverage
1

HMO Medicare Advantage plan comparison – Spokane County, Washington, 2026
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Humana Gold Plus Giveback H1036-319
☆☆☆☆☆
$0 $8,800 $615 H1036-319-0
HealthSpring Preferred
☆☆☆☆☆
$0 $4,200 $200 H4407-033-0
Kaiser Permanente Medicare Advantage Basic
☆☆☆☆☆
$0 $4,200 N/A H5050-001-0
Kaiser Permanente Medicare Advantage Centennial
☆☆☆☆☆
$0 $4,950 $0 H5050-021-0
Kaiser Permanente Medicare Advantage Columbia
☆☆☆☆☆
$67 $3,950 $0 H5050-019-0
Providence Medicare Pine + Rx
☆☆☆☆☆
$0 $6,750 $195 H9047-063-0
Aetna Medicare Signature
☆☆☆☆☆
$0 $6,750 $615 H3931-197-0
Humana Gold Plus H5619-061
☆☆☆☆☆
$63 $4,200 $615 H5619-061-0
Humana Gold Plus H5619-143
☆☆☆☆☆
$0 $5,500 $615 H5619-143-0
What is the average monthly premium for HMO plans?
HMO plans in Spokane cost $14.44 per month on average.
Which HMO plan is most popular in Spokane?
The most popular HMO plan in Spokane is Kaiser Permanente Medicare Advantage Centennial (HMO), with 5,653 enrollees.
How many HMO plans in Spokane do not include drug coverage?
There are 1 HMO plans in Spokane 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 7
  • Average Monthly Premium $4.00/mo
  • Total HMO-POS Enrollment 29,028
  • $0 Premium HMO-POS Plans 6
  • Average MOOP $6,514
  • Top HMO-POS by Enrollment AARP Medicare Advantage Essentials from UHC WA-8 (HMO-POS) — 13,555 enrollees
  • HMO-POS Plans Without Drug Coverage 2

HMO-POS Medicare Advantage plan comparison – Spokane County, Washington, 2026
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Providence Medicare Reverence
☆☆☆☆☆
$0 $6,750 N/A H9047-035-0
AARP Medicare Advantage Essentials from UHC WA-8
☆☆☆☆☆
$0 $5,500 $440 H3805-033-0
AARP Medicare Advantage Extras from UHC WA-15
☆☆☆☆☆
$0 $6,700 $520 H3805-045-0
AARP Medicare Advantage from UHC WA-0009
☆☆☆☆☆
$28 $4,200 $355 H3805-034-0
AARP Medicare Advantage Patriot No Rx WA-MA02
☆☆☆☆☆
$0 $6,700 N/A H3805-035-0
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 Spokane?

There are 7 HMO-POS plans in 2026, covering 29,028 enrollees.

How much do HMO-POS plans cost in Spokane?

The average HMO-POS premium in Spokane is $4.00 per month, with 6 plans offering $0 premiums.

What is the leading HMO-POS plan in Spokane?

AARP Medicare Advantage Essentials from UHC WA-8 (HMO-POS) is the top HMO-POS in Spokane, with 13,555 enrollees.

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

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

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

CMS Star Ratings for Medicare Advantage Plans in Spokane County, WA (2026)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 14 50%
3 Stars 13 46%
Below 3 Stars 1 4%
Not Rated 2 7%
Average Rating 3.8

* 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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