Medicare Advantage 2026 Plan Comparison Guide

Medicare Advantage in 2026

Medicare Advantage (Part C) remains a strong alternative to Original Medicare, combining Parts A and B — and often Part D prescription coverage — into a single plan.

Projections for 2026:

• 34 million enrollees expected.

• Over 99% of Medicare beneficiaries will have at least one plan option.

• 97% will have 10+ plans to choose from.

• Total number of plans dips slightly from 5,633 (2025) to about 5,600 (2026).

Benefits You’ll See in 2026

Medicare Advantage plans may include:

• Prescription drug coverage (Part D) — often at no extra cost beyond Part B premiums.

• Dental, vision, and hearing benefits.

• Lifestyle perks like fitness memberships, transportation help, and meal delivery.

• Financial protection via annual out-of-pocket maximums (unlike Original Medicare).

Costs at a Glance

• Average premium: $14.00 in 2026.

• Projected Medicare Part B premium: $206.50/month (still required).

• In 2026, Medicare Advantage plans can have a maximum out-of-pocket limit of up to $9,250 for in-network services, while plans that include out-of-network coverage may have a combined limit of up to $13,300.

Copays and coinsurance vary by plan, but cost predictability is a major draw compared to Original Medicare.

Medicare Advantage vs. Original Medicare

• Access: Original Medicare allows nationwide provider access; Advantage plans use networks.

• Coverage: Advantage plans often include dental, vision, and drugs; Original Medicare does not.

• Financial protection: Advantage has annual OOP limits; Original Medicare does not.

• Travel: Some Advantage plans offer limited overseas coverage; Original Medicare does not.

• CMS is tightening rules on marketing practices.

• Plans are restricted from altering approved inpatient stays except in cases of fraud or error.

• Marketing shifts from “perks” to core healthcare coverage.

• Open Enrollment: October 15 – December 7, 2025.

• Special Enrollment Periods: triggered by events like moving or losing coverage.

• 5-Star SEP: switch anytime to a 5-star plan if available in your area.

Common Misconceptions

• “Medicare is free.” False — Medicare Part B and Medicare Advantage plans require premiums.

• “Prescription costs stay the same.” Costs fluctuate with plan formularies.

• “You can enroll anytime.” Enrollment is restricted to defined periods.

Medicare Advantage plans in 2026 deliver lower premiums, capped costs, and more extras like dental, vision, hearing, and wellness programs. With new rules and provider protections, comparing your options is essential to avoid paying more or losing benefits you rely on.

👉 Call 1-833-641-4938 today to review MAPD plans in your area. A licensed agent can compare benefits and costs side by side and help you lock in the right plan for 2026.