2026 Medicare Advantage Plans in La Crosse County, WI
Last update: . Enrollment data updated: May 2, 2026
For 2026, La Crosse County, WI includes 23 Medicare Advantage plans. Enrollment across these plans totals approximately 11,363, with 15 $0 premium options and 81% rated 4 stars or higher.
Totals on this page exclude Medicare Advantage Special Needs Plans (SNPs). SNP plans for La Crosse County, WI are provided separately. Or you can discover all Medicare Options in La Crosse County, WI.
Medicare Advantage PPO Plans
Preferred Provider Organization (PPO) plans allow members to choose care from both in-network and out-of-network providers. Out-of-network care usually costs more, but PPOs offer greater flexibility in how members access care.
- Total PPO Plans
- 9
- Average Monthly Premium
- $19.67/mo
- Total PPO Enrollment
- 2,056
- $0 Premium PPO Plans
- 6
- Average MOOP
- $6,433
- Top PPO by Enrollment
- Aetna Medicare Signature (PPO) — 981 enrollees
- PPO Plans Without Drug Coverage
- 5
| PPO Plan Name | Rating* | Premium | MOOP | Rx Ded. | Plan-ID |
|---|---|---|---|---|---|
| Aetna Medicare Eagle | $0 | $4,900 | N/A | H5521-286-0 | |
| Aetna Medicare Premier | $27 | $5,200 | $615 | H5521-388-0 | |
| Aetna Medicare Signature | $0 | $5,900 | $615 | H5521-289-0 | |
| Humana USAA Honor Giveback | $0 | $6,000 | N/A | H7617-022-0 | |
| HumanaChoice H7617-007 | $47 | $9,250 | $615 | H7617-007-0 | |
| AARP Medicare Advantage Patriot No Rx WI-MA01 | $0 | $6,700 | N/A | H0294-014-0 | |
| Humana USAA Honor Giveback | $0 | $6,000 | N/A | H5216-355-0 | |
| Humana USAA Honor Giveback | $0 | $6,750 | N/A | R5361-001-0 | |
| HumanaChoice R5361-002 | $103 | $7,200 | $615 | R5361-002-0 |
What is the typical premium for PPO plans available in La Crosse?
PPO plans in La Crosse cost $19.67 per month on average.
Which PPO plan do most beneficiaries choose in La Crosse?
The most popular PPO plan in La Crosse is Aetna Medicare Signature (PPO), with 981 enrollees.
How many PPO options are offered without drug coverage in La Crosse?
5 PPO plans in La Crosse do not include prescription drug coverage.
Medicare Advantage HMO Plans
Health Maintenance Organization (HMO) plans generally require members to use in-network doctors, hospitals, and other providers, except in emergencies. Because of this structure, HMOs often have lower premiums and out-of-pocket costs than other plan types.
- Total HMO Plans 7
- Average Monthly Premium $45.00/mo
- Total HMO Enrollment 7,792
- $0 Premium HMO Plans 4
- Average MOOP $4,857
- Top HMO by Enrollment Gundersen Quartz Med Advantage Value D (HMO) — 4,091 enrollees
- HMO Plans Without Drug Coverage 2
| Plan Name | Rating* | Premium | MOOP | Rx Ded. | Plan-ID |
|---|---|---|---|---|---|
| Gundersen Quartz Med Advantage Basic D | $0 | $6,700 | $270 | H5262-032-0 | |
| Gundersen Quartz Med Advantage Core D | $29 | $5,900 | $270 | H5262-021-0 | |
| Gundersen Quartz Med Advantage Elite | $0 | $3,500 | N/A | H5262-005-0 | |
| Gundersen Quartz Med Advantage Elite D | $196 | $3,500 | $200 | H5262-001-0 | |
| Gundersen Quartz Med Advantage Value | $0 | $4,200 | N/A | H5262-004-0 | |
| Gundersen Quartz Med Advantage Value D | $90 | $4,200 | $225 | H5262-003-0 | |
| Cooperative Medicare Advantage | $0 | $6,000 | $275 | H7598-004-0 |
What is the total number of HMO plans offered in La Crosse?
In 2026, La Crosse County has 7 HMO plans with 7,792 enrollees.
How much do HMO plans cost in La Crosse?
The typical HMO premium in La Crosse is $45.00, and 4 plans have no monthly premium.
Medicare Advantage HMO-POS Plans
HMO-POS plans are structured like HMOs, requiring in-network care for the lowest costs, while allowing limited out-of-network access at higher cost. This provides added flexibility compared with standard HMO plans.
- Total HMO-POS Plans
- 6
- Average Monthly Premium
- $59.33/mo
- Total HMO-POS Enrollment
- 1,469
- $0 Premium HMO-POS Plans
- 4
- Average MOOP
- $3,767
- Top HMO-POS by Enrollment
- Esteem Rx (HMO-POS) — 890 enrollees
- HMO-POS Plans Without Drug Coverage
- 2
| Plan Name | Rating* | Premium | MOOP | Rx Ded. | Plan-ID |
|---|---|---|---|---|---|
| Security Health Plan of Wisconsin, Inc. Compass | $0 | $3,400 | N/A | H5211-003-0 | |
| Essence Rx | $87 | $3,800 | $330 | H5211-002-0 | |
| Esteem Rx | $0 | $5,000 | $250 | H5211-012-0 | |
| Legacy Rx | $269 | $2,200 | $0 | H5211-004-0 | |
| Security Health Plan of Wisconsin, Inc. Spirit | $0 | $1,500 | N/A | H5211-001-0 | |
| AARP Medicare Advantage from UHC WI-0015 | $0 | $6,700 | $520 | H5253-072-0 |
- What is the average monthly premium for HMO-POS plans?
- HMO-POS plans in La Crosse cost $59.33 per month on average.
- Which HMO-POS plan is most popular in La Crosse?
- The most popular HMO-POS plan in La Crosse is Esteem Rx (HMO-POS), with 890 enrollees.
- How many HMO-POS plans in La Crosse do not include drug coverage?
- There are 2 HMO-POS plans in La Crosse without prescription drug coverage.
CMS quality ratings for Medicare Advantage plans in La Crosse County, WI (2026) are summarized below.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | No 5-star plans available. | 0% |
| 4 Stars (includes 5 Stars) | 17 | 81% |
| 3 Stars | 4 | 19% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 2 | 9% |
| Average Rating | 4.1 | |
* Star ratings are based on CMS quality measures and reflect plan performance for the 2026 rating period.
- 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
All plan counts, enrollment totals, averages, and percentage distributions are calculated at the county level using CMS data and include standard Medicare Advantage (MA/MAPD) plans only, based on a consistent aggregation methodology.
Data sources and methodology documentation .
- Medicare.gov, "Understanding Medicare Advantage Plans" — Last accessed 25 May, 2025
- Medicare.gov, "Explore your Medicare coverage options" — Last accessed 25 May, 2025
- NCOA.org, "5 Steps to Choosing the Right Medicare Plan for You" — Last accessed 25 May, 2025
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