Medicare Advantage Plans in Middlesex County, MA:
Your Complete 2026 Guide
In Middlesex County, MA, Medicare beneficiaries have 33 Medicare Advantage plans to consider for 2026. Among them, 16 are offered at a $0 premium. About 75,201 people in the County are currently enrolled, and 77% of plans are rated 4 stars or higher. Special Needs Plans are not included in the figures shown above. Explore SNP options for Middlesex County, MA here.
Page last revised:
Enrollment data refreshed: May 2, 2026
* Each year CMS evaluates Medicare Advantage plans on a 5-star scale. Data sources
Medicare Advantage PPO Plans
PPO, or Preferred Provider Organization, plans give Medicare beneficiaries the ability to see a wide range of providers. These plans cover in-network care at the lowest cost but also include the option to use out-of-network providers for a higher fee, offering added choice compared with other plan types.
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| Aetna Medicare Eagle Giveback | $0 | $5,900 | N/A | H5521 296 0 | |
| Aetna Medicare Signature | $0 | $6,750 | $615 | H5521 451 0 | |
| Aetna Medicare Signature Extra | $0 | $5,900 | $615 | H5521 159 0 | |
| Medicare PPO Blue EssentialRx | $59 | $9,250 | $615 | H2230 019 0 | |
| Medicare PPO Blue PlusRx | $300 | $4,200 | $200 | H2230 002 0 | |
| Medicare PPO Blue ValueRx | $108 | $6,600 | $0 | H2230 018 1 | |
| Tufts Medicare Preferred PPO RX | $40 | $6,750 | $615 | H9907 002 3 | |
| AARP Medicare Advantage from UHC MA-0006 | $48 | $6,700 | $600 | H8768 055 2 | |
| AARP Medicare Advantage Patriot No Rx MA-MA01 | $0 | $6,700 | N/A | H8768 045 0 | |
| Mass General Brigham Advantage | $0 | $5,500 | $350 | H9485 001 0 | |
| Mass General Brigham Advantage Premier | $150 | $3,150 | $350 | H9485 002 0 | |
| Mass General Brigham Advantage Signature | $325 | $0 | $350 | H9485 003 0 | |
| EternalHealth Freedom | $0 | $6,500 | $185 | H2694 001 0 | |
| EternalHealth Give Back | $0 | $6,500 | $350 | H2694 002 0 |
What is the total number of PPO plans offered in Middlesex?
Middlesex County has 14 PPO plans for 2026, with enrollment of 25,109.
How much do PPO plans cost on average in Middlesex?
The mean monthly PPO premium in Middlesex is $73.57, and 7 plans have no premium.
Medicare Advantage HMO Plans
With an HMO, you’ll typically get care from providers and facilities in the plan’s network. In exchange for this limitation, HMO plans usually feature lower monthly premiums and reduced cost-sharing, which can help enrollees better manage their healthcare expenses.
- Total HMO Plans
- 14
- Average Premium
- $86.14/mo
- Beneficiaries Enrolled
- 34,736
- $0 Premium HMOs
- 6
- Average MOOP
- $4,636
- Most Popular HMO
- Tufts Medicare Preferred HMO Smart Saver Rx (HMO) with 15,831 enrollees
- HMOs Without Drug Coverage
- 3
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| Medicare HMO Blue PlusRx | $245 | $3,800 | $200 | H2261 005 0 | |
| Medicare HMO Blue ValueRx | $65 | $3,750 | $320 | H2261 022 1 | |
| Fallon Medicare Plus Blue | $174 | $3,400 | $0 | H9001 031 18 | |
| Fallon Medicare Plus Green | $78 | $5,200 | $300 | H9001 030 18 | |
| Fallon Medicare Plus Orange | $0 | $7,550 | $400 | H9001 038 0 | |
| Fallon Medicare Plus Saver No Rx | $0 | $6,700 | N/A | H9001 039 0 | |
| Tufts Medicare Preferred HMO Basic Rx | $58 | $3,850 | $0 | H2256 026 2 | |
| Tufts Medicare Preferred HMO Prime No Rx | $0 | $3,850 | N/A | H2256 016 2 | |
| Tufts Medicare Preferred HMO Prime Rx | $193 | $3,850 | $0 | H2256 015 2 | |
| Tufts Medicare Preferred HMO Prime Rx Plus | $227 | $3,850 | $0 | H2256 001 2 | |
| Tufts Medicare Preferred HMO Smart Saver Rx | $0 | $6,400 | $615 | H2256 046 0 | |
| Tufts Medicare Preferred HMO Value No Rx | $0 | $3,850 | N/A | H2256 019 7 | |
| Tufts Medicare Preferred HMO Value Rx | $166 | $3,850 | $0 | H2256 018 7 | |
| EternalHealth Forever | $0 | $5,000 | $250 | H1280 001 0 |
- What is the average monthly premium for HMO plans?
- On average, HMO plans in Middlesex cost $86.14 per month.
- Which HMO plan is most popular in Middlesex?
- The leading HMO in Middlesex is Tufts Medicare Preferred HMO Smart Saver Rx (HMO), with 15,831 members.
- How many HMO plans in Middlesex do not include drug coverage?
- There are 3 HMO plans available in Middlesex without Part D benefits.
Medicare Advantage HMO-POS Plans
HMO Point-of-Service (HMO-POS) plans blend elements of HMO and PPO coverage. You can see providers outside the network, but out-of-network services typically cost more. This type of plan may appeal to people who like the lower costs of an HMO but also want occasional flexibility to go out of network.
- Total HMO-POS Plans 5
- Average Premium $36.00/mo
- Beneficiaries Enrolled 15,356
- $0 Premium HMO-POS 3
- Average MOOP $6,020
- Most Popular HMO-POS AARP Medicare Advantage from UHC MA-0003 (HMO-POS) with 7,982 enrollees
- HMO-POS Without Drug Coverage 0
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| Medicare HMO Blue FlexRx | $118 | $4,100 | $260 | H2261 023 1 | |
| Medicare HMO Blue SaverRx | $0 | $9,200 | $0 | H2261 024 0 | |
| AARP Medicare Advantage from UHC MA-0003 | $0 | $6,700 | $520 | H5253 157 2 | |
| Aetna Medicare Signature | $0 | $6,750 | $615 | H5793 018 0 | |
| Mass General Brigham Advantage Secure | $62 | $3,350 | $350 | H6847 001 0 |
What is the total number of HMO-POS plans in Middlesex?
There are 5 HMO-POS plans in 2026, covering 15,356 beneficiaries.
How much do HMO-POS plans cost on average in Middlesex?
The average HMO-POS premium is $36.00, with 3 costing $0.
What is the leading HMO-POS plan in Middlesex?
AARP Medicare Advantage from UHC MA-0003 (HMO-POS) is the most popular HMO-POS plan in Middlesex, with 7,982 enrollees.
What is the number of HMO-POS plans without Part D coverage in Middlesex?
0 HMO-POS plans in Middlesex do not include drug coverage.
The table below shows the quality ratings for Medicare Advantage plans offered in Middlesex County, MA for 2026.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | No 5-star plans available. | 0% |
| 4 Stars (includes 5 Stars) | 23 | 77% |
| 3 Stars | 7 | 23% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 3 | 9% |
| Average Rating | 4.05 | |
In Middlesex County, Medicare Advantage enrollment follows specific timelines. Understanding these options—whether it’s your first time enrolling or switching plans—helps you choose coverage that matches your health and budget.
When You Can Sign Up
- Initial Enrollment Period (IEP): Lasting seven months around your 65th birthday, this period lets you enroll in Medicare for the first time. You may also choose a Medicare Advantage plan during this time. Learn more
- Medicare Advantage Open Enrollment Period (MA OEP): Between January 1 and March 31, people already enrolled in Medicare Advantage can make a one-time change—switch to another plan or return to Original Medicare. Learn more
- Annual Enrollment Period (AEP): Each fall, from October 15 to December 7, Medicare beneficiaries can review their coverage and make changes for the next plan year. Learn more
- Special Enrollment Periods (SEPs): Life events like moving to a new service area, losing other health coverage, or becoming eligible for assistance may open a Special Enrollment Period to adjust your Medicare coverage. Learn more
Ways to Enroll in Medicare Advantage
- Consult a Licensed Agent: Call a licensed insurance agent at HealthCompare 1-833-748-3201 (TTY 711), available Monday through Friday 5am–6pm and Saturday 6am–5pm PST, for help reviewing your Medicare options.
- Contact the Plan Provider Directly: Start enrollment by reaching out to the plan provider through their website or by phone with their member services team.
- Use Medicare.gov: At Medicare.gov, you can compare Medicare Advantage plans side by side and enroll securely online.
The MA and MAPD plans on this page are available to people on Medicare enrolled in both Medicare Part A and Part B living in Ashby, Ayer, Devens, Groton, Littleton, Pepperell, Shirley, Townsend, West Townsend, Framingham, Boxborough, Acton, Ashland, Bedford, Hanscom AFB, Carlisle, Concord, Holliston, Hopkinton, Hudson, Marlborough, Maynard, Natick, Sherborn, Lincoln, Stow, Sudbury, Wayland, Woburn, Burlington, Billerica, Chelmsford, Dracut, Dunstable, Lowell, North Billerica, North Chelmsford, North Reading, Reading, Tewksbury, Tyngsboro, Wakefield, Westford, Wilmington, Winchester, Cambridge, Somerville, Malden, Everett, Medford, Melrose, Stoneham, Lexington, Waltham, Newton, Newton Center, Newtonville, Newton Highlands, Newton Lower Falls, Newton Upper Falls, West Newton, Auburndale, Chestnut Hill, Waban, Watertown, Arlington, Belmont, Weston, and all other areas of Middlesex County, Massachusetts.
Plans Offered for Enrollment through Medicare.org
Medicare Advantage and Part D plans and benefits offered by the following carriers: Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross and Blue Shield, Aspire Health Plan, Baylor Scott & White Health Plan, Capital Blue Cross, Dean Health Plan, Devoted Health, Florida Blue Medicare, Freedom Health, GlobalHealth, Health Care Service Corporation, HealthSpring℠, HealthSun, Healthy Blue, Humana, Molina Healthcare, Mutual of Omaha, Medica Central Health Plan, Optimum HealthCare, Premera Blue Cross, SCAN Health Plan, Simply, UnitedHealthcare(R), Wellcare, WellPoint
- CMS.gov, Landscape Source Files — Last accessed September 26, 2025
- CMS.gov, Medicare Part C & D Performance — Last accessed October 10, 2025
- CMS.gov, Plan Benefits Package — Last accessed October 13, 2025
- CMS.gov, Medicare Advantage/Part D Contract and Enrollment Data — Last accessed May 2, 2026
Some facts and percentages shown on this page (such as average premiums, distribution of plan types, and percentage of $0 premium plans) are calculated by Medicare.org using data from the CMS Landscape file, Plan Benefits Package (PBP) files and Part C & D Performance files. All underlying values originate from CMS, and calculations are refreshed whenever CMS issues updated data. Enrollment counts and rankings (such as Top 3 plans by enrollment) are derived from CMS monthly enrollment files and aggregated at the county level.
Medicare.org separates Medicare Advantage (MA/MAPD) plans and Special Needs Plans (SNPs) into different pages for clarity. As a result, plan counts, percentages, and other calculations shown here may differ from the aggregate totals published in the CMS Landscape files. All plan availability and benefit details originate from CMS.
Learn more about how we use CMS data.
- Medicare.gov, "Compare types of Medicare Advantage Plans" — Last accessed 25 May, 2025
- Medicare.gov, "Your coverage options" — Last accessed 25 May, 2025
- AARP.org, "The Big Choice: Original Medicare vs. Medicare Advantage" — Last accessed 25 May, 2025
Some facts and percentages shown on this page (such as average premiums, distribution of plan types, and percentage of $0 premium plans) are calculated by Medicare.org using data from the CMS Plan Benefits Package (PBP) files and Part C & D Performance files. All underlying values originate from CMS, and calculations are refreshed whenever CMS issues updated data.
To explore how 2026 Medicare Advantage plans available in Middlesex County compare with plans offered elsewhere, you can search the Medicare Advantage plan directory to review options nationwide using the same authoritative data sources.
Medicare.org is owned and operated by Health Network Group, LLC, an Allstate company. Medicare.org provides information only and is not connected with or endorsed by the U.S. Government or the federal Medicare program.
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, Medicare Technical Operator, using a standardized, data-driven methodology designed for accurate, non-commercial Medicare plan interpretation and resolution.