2026 Medicare Advantage Plans in Whatcom County, WA
Last update: . Enrollment data updated: May 2, 2026
Whatcom County, WA has 20 Medicare Advantage plans available in 2026. These include 13 plans with no monthly premium, and roughly 39% 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 Whatcom County, WA. Or explore all Medicare Options available in Whatcom County, WA.
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 10
- Average Monthly Premium $27.20/mo
- Total PPO Enrollment 2,197
- $0 Premium PPO Plans 6
- Average MOOP $6,940
- Top PPO by Enrollment AARP Medicare Advantage from UHC WA-12 (PPO) — 914 enrollees
- PPO Plans Without Drug Coverage 5
| 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 | |
| AARP Medicare Advantage from UHC WA-0003 | $42 | $6,700 | $600 | H1278-030-0 | |
| AARP Medicare Advantage Patriot No Rx WA-MA01 | $0 | $6,700 | N/A | H1278-031-0 | |
| 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 | |
| Wellcare Patriot Giveback Open | $0 | $5,700 | N/A | H5965-003-0 |
What is the most popular PPO plan in Whatcom?
AARP Medicare Advantage from UHC WA-12 (PPO) is the top PPO in Whatcom, with 914 enrollees.
What is the number of PPO plans without Part D coverage in Whatcom?
There are 5 PPO plans in Whatcom 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
- $18.50/mo
- Total HMO Enrollment
- 5,345
- $0 Premium HMO Plans
- 3
- Average MOOP
- $5,788
- Top HMO by Enrollment
- Kaiser Permanente Medicare Advantage Harbor (HMO) — 2,505 enrollees
- HMO Plans Without Drug Coverage
- 1
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| Kaiser Permanente Medicare Advantage Anchor | $0 | $6,600 | $110 | H5050-023-0 | |
| Kaiser Permanente Medicare Advantage Basic | $0 | $4,200 | N/A | H5050-001-0 | |
| Kaiser Permanente Medicare Advantage Harbor | $74 | $5,800 | $100 | H5050-017-0 | |
| Humana Gold Plus H5619-133 | $0 | $6,550 | $300 | H5619-133-0 |
What is the typical premium for HMO plans in Whatcom?
HMO plans in Whatcom cost $18.50 per month on average.
Which HMO plan do most beneficiaries choose in Whatcom?
The most popular HMO plan in Whatcom is Kaiser Permanente Medicare Advantage Harbor (HMO), with 2,505 enrollees.
How many HMO options are offered without prescription drug coverage in Whatcom?
There are 1 HMO plans in Whatcom 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 6
- Average Monthly Premium $19.50/mo
- Total HMO-POS Enrollment 9,247
- $0 Premium HMO-POS Plans 4
- Average MOOP $6,592
- Top HMO-POS by Enrollment Wellcare Simple (HMO-POS) — 4,106 enrollees
- HMO-POS Plans Without Drug Coverage 0
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| 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 Whatcom?
In 2026, Whatcom has 6 HMO-POS plans with 9,247 enrollees.
How much do HMO-POS plans cost in Whatcom?
The typical HMO-POS premium in Whatcom is $19.50, and 4 plans have no monthly premium.
Below is a breakdown of CMS star ratings for Medicare Advantage plans available in Whatcom County, WA for 2026.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | No 5-star plans available. | 0% |
| 4 Stars (includes 5 Stars) | 7 | 39% |
| 3 Stars | 10 | 56% |
| Below 3 Stars | 1 | 6% |
| Not Rated | 2 | 10% |
| Average Rating | 3.72 | |
* Medicare Advantage star ratings are determined by CMS each year using a standardized 5-star rating system.
- CMS.gov, Medicare Advantage Landscape Source Files — Last accessed May 2, 2026
- CMS.gov, Medicare Part C & D Performance Data — Last accessed May 2, 2026
- CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Last accessed May 2, 2026
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 .
- CMS.gov, "Medicare Advantage Plan Fact Sheet" — 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
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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.