Best Medicare Advantage Plans 2026

UnitedHealthcare (AARP/UnitedHealthcare)

As one of the largest providers of Medicare Advantage plans in the U.S., UnitedHealthcare offers a variety of plans, including both HMO and PPO options. Their plans typically feature extensive coverage, with some plans including dental and vision benefits, making them a top choice for comprehensive care.

Availability and specific benefits can vary by zip code, so be sure to check what’s available in your area.

Humana

Humana is known for prioritizing wellness in its Medicare Advantage plans. They offer a range of benefits designed to improve overall health, including preventive care services and health promotions. Humana’s plans also integrate prescription drug coverage, providing a holistic approach to healthcare.

However, service quality and customer satisfaction can differ by region.

Aetna (CVS Health)

Owned by CVS Health, Aetna offers several Medicare Advantage plans focused on providing total health resources and care. These plans include benefits for dual-eligible members, such as the SilverSneakers fitness program.

While Aetna offers robust options, customer service quality can be inconsistent.

Blue Cross Blue Shield (BCBS)

Blue Cross Blue Shield is a trusted brand with deep community roots. In 14 states, Anthem, part of Elevance Health, offers Medicare Advantage plans under the BCBS banner, featuring solid benefit packages and growing digital tools.

However, customer experiences with BCBS-affiliated plans can vary by region.

Kaiser Permanente

Kaiser Permanente is renowned for its integrated care system, which combines insurance and healthcare services. This model leads to better coordination and higher performance in providing healthcare, resulting in high consumer satisfaction.

Their Medicare Advantage plans are a top choice for those seeking seamless, coordinated care.

Types of Medicare Advantage Plans

Medicare Advantage plans come in various types, each tailored to meet different healthcare needs. The main types are:

• HMOs
• PPOs
• Special Needs Plans (SNPs) Each offers distinct benefits and provider access. The right choice depends on your specific health needs and preferences.

Each type of plan offers distinct advantages:

• HMO plans require using a network of providers but usually have lower out-of-pocket costs.
• PPO plans offer more flexibility in choosing healthcare providers, including out-of-network options, albeit at a higher cost.
• SNPs are designed for individuals with specific health conditions, providing tailored services to meet their unique needs.

HMO Plans

HMO (Health Maintenance Organization) plans have the following characteristics:

• Require members to choose a primary care provider
• Generally require obtaining services from in-network providers
• Usually necessitate referrals for specialist visits
• Focus on coordinated care within a defined network.

HMO plans are a popular choice for their lower out-of-pocket costs and comprehensive coverage in an HMO plan.

PPO Plans

PPO (Preferred Provider Organization) plans provide more flexibility with the following features:

• Allow members to visit out-of-network doctors at an increased cost
• Do not require referrals for specialists
• Offer greater freedom in choosing healthcare providers

However, this flexibility usually comes with higher out-of-pocket expenses compared to HMO plans.

Special Needs Plans (SNPs)

SNPs are designed for individuals with specific health conditions or financial situations, offering tailored services and support. These plans ensure specialized care and may include additional benefits tailored to the particular needs of these individuals.

SNPs are ideal for those requiring more focused and personalized healthcare services.

Comparing Costs of Medicare Advantage Plans for 2026

When choosing a Medicare Advantage plan, consider the associated costs, which can include:

• Monthly premiums
• Deductibles
• Out-of-pocket maximums: Comparing these cost factors across different carriers can help you find the best value and coverage.

Each plan’s costs can vary significantly, so it’s crucial to understand what you’re paying for and how it meets your healthcare needs. Factors such as provider networks, additional benefits, and plan types can all influence the overall expenses.

Monthly Premiums

Monthly premiums for Medicare Advantage plans can vary widely:

• They can range from $0 to over $200, depending on the coverage and services included.
• Some plans, like those offered by Aetna, can have premiums as low as $0, making them attractive for budget-conscious beneficiaries.
• The final monthly premium costs are influenced by the type of coverage and services provided.

Out-of-Pocket Costs

Medicare Advantage plans often have varying out-of-pocket limits that cap the total expenses for covered services in a year. These limits include deductibles, copayments, and coinsurance, which can significantly impact overall healthcare costs for beneficiaries.

Understanding these out-of-pocket costs is crucial for managing your healthcare budget.

Out-of-Network Benefits

PPO Medicare Advantage plans typically allow for out-of-network benefits but may impose higher costs compared to in-network services. Utilizing out-of-network services can provide flexibility but often results in higher out-of-pocket expenses.

Weigh these costs against the benefits of having access to a broader range of healthcare providers.

2026 Enrollment Periods and Eligibility

Enrolling in Medicare Advantage plans is restricted to specific periods known as enrollment periods. These periods allow beneficiaries to make changes to their coverage at designated times, helping to manage their healthcare needs effectively.

Initial Enrollment Period

The Initial Enrollment Period (IEP) lasts for seven months, starting three months before you turn 65 and ending three months after your 65th birthday. This period is the first opportunity for newly eligible individuals to enroll in Medicare Advantage plans, providing the necessary coverage as they transition to Medicare.

Annual Enrollment Period

The Annual Enrollment Period (AEP) runs from October 15 to December 7 each year. During this time, Medicare beneficiaries can switch, drop, or enroll in Medicare Advantage plans.

This period is crucial for managing your current coverage and aligning it with your needs.

Special Enrollment Periods

Special Enrollment Periods allow individuals to make changes to their Medicare plans outside the regular enrollment periods due to qualifying life events, such as moving or losing other coverage.

These periods ensure that beneficiaries can adjust their coverage as their circumstances change.

Choosing the Right Medicare Advantage Plan

Choosing the right Medicare Advantage plan requires considering your overall health needs, budget, and provider preferences. Evaluate your specific healthcare requirements and how different plans align with them. Costs, including premiums and out-of-pocket expenses, can vary significantly, so it’s vital to compare these factors.

Besides costs, consider the provider networks and extra benefits offered by different plans. Many plans include dental, vision, and wellness programs, which can add significant value to your coverage options. Carefully assess these factors to select a plan that best meets your needs and preferences.

Assessing Healthcare Needs

Understanding your personal healthcare needs includes evaluating any chronic illnesses and the frequency of medical services required. Consider your current health conditions and any ongoing treatments to determine the suitability of a Medicare Advantage plan.

This evaluation helps you choose a plan that offers the necessary coverage for your specific needs.

Comparing Plan Networks

It’s essential to verify if your preferred healthcare providers and facilities are part of the Medicare Advantage plan’s network to avoid unexpected costs. Verifying that your Medicare-approved doctor and specialists are included in the plan’s network can prevent higher out-of-pocket expenses and ensure continuity of care.

Comparing a plan’s network and provider network helps you compare options to select one plan that aligns with your healthcare provider preferences.

Evaluating Extra Benefits

Extra benefits like dental, vision, and wellness programs can significantly impact the value of a Medicare Advantage plan. Many plans offer additional perks like gym memberships, preventive care services, and integrated prescription drug coverage, which are not typically covered by Original Medicare.

These benefits and added benefits can enhance your overall healthcare experience and provide better value for your money.

Get Help Today

Finding the right Medicare Advantage plan can be challenging, but you don’t have to navigate it alone.

Compare 2026 Medicare Advantage plans from trusted insurance companies and find one that fits your health needs and budget.

Our licensed insurance agent makes it simple to review plan options and enroll with confidence.

Call 1-844-709-9937 now for free, no-obligation Medicare Advantage help for 2026.

Whether you need urgent care coverage or additional wellness benefits, we’re here to assist you every step of the way.