Who Offers Medicare Advantage Plans in 2026?

Wondering who offers Medicare Advantage plans in 2026? Top providers include UnitedHealthcare, Humana, Aetna, and more. This article covers the key players and what they offer.

Key Takeaways

• UnitedHealthcare remains the largest Medicare Advantage provider, offering $0-premium plans and extensive network access for members.

• Affordable plans with added benefits are available from various providers, including Humana, Aetna, and Wellcare, catering to diverse healthcare needs.

• Key factors for choosing a Medicare Advantage plan include evaluating provider networks, additional benefits, and understanding costs associated with premiums and out-of-pocket expenses.

The landscape of Medicare Advantage plans in 2026 is dominated by a few key players, each offering unique benefits and extensive coverage options. As well, states like Texas, Florida, and California round out the list of the highest enrollees in Medicare Advantage plans. UnitedHealthcare continues to lead the market with nearly 1 million providers in its network and $0-premium plans available in most states, making it a top choice for many. HealthSpring, formerly under Cigna, also stands out with its low-cost plans, many of which feature $0 premiums.

Devoted Health, a rapidly growing newcomer, has expanded into 29 states, offering predominantly $0-premium plans with high ratings, making it a compelling option for those looking for comprehensive coverage without high costs. Kaiser Permanente’s Medicare Advantage plans are highly rated by the Centers for Medicare & Medicaid Services, with all plans scoring between 4 and 4.5 stars for 2026.

Wellcare, targeting over 51 million beneficiaries across 32 states, focuses on providing coverage to a broad audience. Additionally, SCAN Health Plan is expanding its offerings to better support the health and independence of its members.

These providers, among others, are setting the stage for a competitive and diverse market in 2026 medicare advantage plans. Each offers unique strengths, whether it’s extensive provider networks, low-cost options, or highly rated plans. Understanding these differences can help you choose the best plan to meet your healthcare needs.

UnitedHealthcare

UnitedHealthcare is the largest provider of Medicare plans in the United States and continues to dominate the Medicare Advantage market in 2026. Its extensive provider network ensures that approximately 90% of members can maintain their current healthcare providers when selecting a UnitedHealthcare Medicare Advantage plan, offering a seamless transition. This Medicare Advantage organization also offers Chronic Special Needs Plans for individuals with specific chronic conditions, providing tailored care for those with ongoing health needs.

In addition to its comprehensive network and specialized plans, UnitedHealthcare provides robust support for members navigating changes in Medicare. This ensures that assistance is readily available as healthcare needs evolve.

With its wide range of affordable Medicare Advantage plans and strong focus on member support, UnitedHealthcare remains a top choice for Medicare beneficiaries next year in 2026.

Humana

Humana has been a significant player in the Medicare Advantage market for nearly two decades, emphasizing wellness programs that promote healthier lifestyles among enrollees. Their PPO plans often include access to a variety of preferred pharmacies, particularly in urban, suburban, and rural areas, aimed at reducing prescription costs for their members.

Humana’s extensive pharmacy network and commitment to wellness make it a strong contender for those seeking a Medicare Advantage plan that supports overall health. Members must continue to pay their Medicare Part B premium along with any applicable premiums for Humana plans, ensuring comprehensive coverage while maintaining affordability.

Aetna (CVS Health)

Aetna, part of CVS Health, offers flexible Medicare Advantage plans designed to cater to a variety of needs. These plans include a card that simplifies access to services and products at CVS and over 70,000 other locations, making healthcare more accessible and convenient for members.

Aetna’s Medicare Advantage plans also feature integrated pharmacy benefits, ensuring streamlined medication management and access to drug prescriptions. This integration aims to enhance the healthcare experience for members through convenience and comprehensive coverage.

Blue Cross Blue Shield (BCBS)

Blue Cross Blue Shield (BCBS) offers a range of Medicare Advantage plans tailored to regional needs. Their plans allow members to travel for up to 12 consecutive months within the U.S., offering in-network benefits with select providers, which is particularly beneficial for those who frequently move or travel.

BCBS’s extensive network covers 98% of doctors in Minnesota, ensuring that members have access to a large pool of healthcare providers. One notable offering is the Freedom Blue plan, a $0 premium Medicare Advantage plan tailored for Veterans, demonstrating BCBS’s commitment to diverse and specific member needs.

Kaiser Permanente

Kaiser Permanente provides care for over 1.9 million Medicare members across eight states and Washington D.C., emphasizing a value-based care approach that aligns with the latest evidence and is tailored to the needs of its members. This approach ensures that care is both effective and efficient, focusing on the overall health and well-being of its members.

Kaiser Permanente’s Medicare Advantage plans have received high ratings from the Centers for Medicare & Medicaid Services, with all plans scoring between 4 and 4.5 stars for 2026. This high rating reflects the quality and comprehensive nature of their care, making them a reliable choice for Medicare beneficiaries.

Wellcare (Centene)

Wellcare, under Centene, primarily targets low-income beneficiaries and focuses on underserved areas, ensuring that those who need the most support receive it. Their Medicare Advantage plans feature a $0 or low copayment for primary care provider visits, making essential healthcare services more accessible and affordable for their members, which helps keep costs low.

Wellcare’s focus on affordability and accessibility makes it a significant player in the Medicare Advantage market, particularly for those in low-income brackets and underserved regions. Their plans are designed to provide comprehensive coverage while helping to lower costs without a high financial burden.

Anthem (Elevance Health)

Anthem, now known as Elevance Health, offers Medicare Advantage plans that often feature a prepaid benefits card, which can be used for certain health-related purchases. This innovative approach helps members manage their healthcare expenses more effectively while providing added convenience.

Anthem’s HMO plans are available in multiple states, making them a widely accessible option for many Medicare beneficiaries. Their comprehensive coverage includes various health-related services and benefits, ensuring that members receive the care they need, including medicare and medicaid services.

Key Factors When Choosing a Medicare Advantage Plan

When choosing a Medicare Advantage plan, several key factors should be considered to ensure it meets your healthcare needs. First, review the network of doctors and hospitals included in the plan, as you may be limited to a specific set of providers. Make sure your preferred healthcare providers are within the network to avoid extra costs.

Additionally, consider the extra benefits offered by the plan, such as vision, dental, or wellness programs, which are not typically covered by Original Medicare, including hearing benefits. These additional benefits can significantly enhance your overall healthcare experience. Know the plan’s rules regarding referrals and prior authorizations, as these can affect your access to specialists and services.

Finally, Aetna’s expansion of Chronic Condition Special Needs Plans (C-SNP) and Dual Eligibles Special Needs Plans (D-SNP) offers tailored coverage for individuals with specific health conditions or those eligible for both Medicare and Medicaid. These specialized plans provide targeted benefits that can better meet your unique healthcare needs.

Understanding Medicare Advantage Plan Costs

Understanding the costs associated with Medicare Advantage plans is crucial for making an informed decision. Key points include:

• In 2026, the average monthly premium for Medicare Advantage plans is projected to drop to $14.00.
• This is a decrease from $16.40 in 2025.
• The reduction in premiums makes these plans more affordable for many beneficiaries.

Review the plan’s annual limit on out-of-pocket costs, as this offers financial protection against high medical expenses. The maximum out-of-pocket limit for in-network services under Medicare Advantage plans will be $9,250 in 2026, down from $9,350 in 2025. These limits help manage the overall cost sharing of healthcare and provide peace of mind for members.

Comparing costs between Medicare Advantage and Original Medicare is also essential. While Original Medicare typically includes a 20% coinsurance after the deductible, Medicare Advantage plans may have various cost structures and often include a yearly limit on out-of-pocket expenses. Evaluating the premiums, deductibles, and out-of-pocket expenses for each plan can help you choose the most cost-effective option for your healthcare needs.

Special Enrollment Periods and Eligibility

Special enrollment period allows Medicare beneficiaries to change their plans during the enrollment period due to specific life events. These periods offer flexibility and ensure that individuals can maintain appropriate coverage despite changes in their circumstances. For example, if you move outside your plan’s service area, you have two full months after the move to enroll in a new Medicare Advantage plan, including options like ma pd.

Other qualifying events for SEPs include losing Medicaid eligibility, returning to the U.S. after living abroad, or if your Medicare Advantage plan undergoes sanctions or contract terminations. Understanding these periods and the eligibility criteria can help you make timely changes to your plan and ensure continuous coverage.

Additionally, individuals with severe conditions can switch to a Chronic Care Special Needs Plan anytime, providing access to specialized care tailored to their health needs. Being aware of these special enrollment opportunities ensures that you can take advantage of the best available options for your healthcare.

Comparing Medicare Advantage to Original Medicare

When comparing Medicare Advantage to Original Medicare, it’s important to consider the differences in medicare coverage and benefits. Medicare Advantage plans typically include medical, prescription drug coverage, and additional benefits beyond what Original Medicare offers. These plans provide a more comprehensive approach to healthcare, often including vision, dental, and wellness programs.

However, Medicare Advantage plans generally require using a network of providers for non-emergency care, whereas Original Medicare allows beneficiaries to see any doctor or hospital that accepts Medicare. This difference in provider networks can impact your choice depending on your healthcare preferences and needs.

Understanding these distinctions will help you decide which type of plan is the right fit for your situation.