Medicare Advantage Plans in Philadelphia County, PA:
Your Complete 2027 Guide
For 2027, residents of Philadelphia County, PA can choose from 63 Medicare Advantage plan options. Of these, 43 cost nothing beyond the Part B premium. Enrollment in the County stands at approximately 79,475, with 66% of plans achieving 4 stars or better. This page and its statistics exclude Special Needs Plans (SNPs). See Medicare Special Needs Plans available in Philadelphia County, PA. To understand how Medicare Advantage fits with your other coverage choices, explore all Medicare coverage options in Philadelphia County.
Last update: . Enrollment data last updated: October 5, 2026
* CMS rates Medicare Advantage plans annually using a 5-star system. Data sources
Medicare Advantage PPO Plans
Preferred Provider Organization (PPO) plans allow members to choose care from both in-network and out-of-network providers. While using out-of-network doctors or hospitals usually means higher costs, PPOs may appeal to people who want more flexibility in how they access their healthcare.
- Total PPO Plans
- 31
- Average Premium
- $30.85/mo
- Beneficiaries Enrolled
- 16,481
- $0 Premium PPOs
- 20
- Average MOOP
- $7,576
- Most Popular PPO
- Personal Choice 65 Achieve Rx (PPO) with 2,403 enrollees
- PPOs Without Drug Coverage
- 7
- What is the average monthly premium for PPO plans in Philadelphia?
- On average, PPO plans in Philadelphia cost $30.85 per month.
- Which PPO plan has the highest enrollment in Philadelphia?
- The most popular PPO in Philadelphia is Personal Choice 65 Achieve Rx (PPO), covering 2,403 beneficiaries.
- How many PPO plans in Philadelphia do not include prescription drug coverage?
- 7 PPO plans available in Philadelphia do not include Part D benefits.
Medicare Advantage HMO Plans
HMO plans are designed around a set network of doctors and hospitals. Staying within that network is usually required for coverage, but this arrangement often results in lower overall costs, including both premiums and out-of-pocket expenses, for plan members.
What is the total number of HMO plans offered in Philadelphia?
There are 21 HMO plans in 2027, covering 47,058 beneficiaries.
How much do HMO plans cost on average in Philadelphia?
The average HMO premium is $17.61, with 15 costing $0.
What is the top HMO by enrollment in Philadelphia?
Keystone 65 Basic Rx (HMO) is the most popular HMO plan in Philadelphia, with 13,816 enrollees.
What is the number of HMO plans without Part D coverage in Philadelphia?
5 HMO plans in Philadelphia do not include prescription drug coverage.
Medicare Advantage HMO-POS Plans
HMO-POS plans are structured like HMOs, requiring in-network care for the lowest costs, but they also permit some use of out-of-network doctors and hospitals. Those services are generally more expensive, but the added access can be valuable for people who don’t want to be fully limited to a single network.
- Total HMO-POS Plans
- 11
- Average Premium
- $13.73/mo
- Beneficiaries Enrolled
- 15,936
- $0 Premium HMO-POS
- 8
- Average MOOP
- $8,005
- Most Popular HMO-POS
- Keystone 65 Focus Rx (HMO-POS) with 3,660 enrollees
- HMO-POS Without Drug Coverage
- 2
| Plan Name | CMS Stars* | Premium/Mo | MOOP | Rx Ded. | CMS ID |
|---|---|---|---|---|---|
| AARP Medicare Advantage Essentials from UHC PA-5 | $0 | $6,700 | $685 | H5253 154 0 | |
| AARP Medicare Advantage Extras from UHC PA-18 | $0 | $7,150 | $685 | H5253 203 0 | |
| AARP Medicare Advantage from UHC PA-0001 | $63 | $6,700 | $685 | H5253 145 0 | |
| AARP Medicare Advantage Patriot No Rx PA-MA01 | $0 | $7,150 | N/A | H5253 152 0 | |
| Keystone 65 Essential Rx | $45 | $9,000 | $700 | H3952 060 0 | |
| Keystone 65 Focus Rx | $0 | $7,150 | $700 | H3952 053 0 | |
| Aetna Medicare Advantra Eagle | $0 | $7,150 | N/A | H3959 094 0 | |
| Aetna Medicare Advantra Prime Plus | $0 | $7,500 | $400 | H3959 053 0 | |
| Aetna Medicare Advantra Signature | $0 | $9,850 | $400 | H3959 052 0 | |
| Aetna Medicare Value Care | $43 | $9,850 | $700 | H3959 033 0 | |
| Wellcare Simple | $0 | $9,850 | $700 | H2915 003 0 |
What is the average monthly premium for HMO-POS plans?
On average, HMO-POS plans in Philadelphia cost $13.73 per month.
Which HMO-POS plan is most popular in Philadelphia?
The leading HMO-POS in Philadelphia is Keystone 65 Focus Rx (HMO-POS), with 3,660 members.
How many HMO-POS plans in Philadelphia do not include drug coverage?
There are 2 HMO-POS plans in Philadelphia without Part D benefits.
The table below shows the quality ratings for Medicare Advantage plans offered in Philadelphia County, PA for 2027.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | 2 | 3% |
| 4 Stars (includes 5 Stars) | 41 | 66% |
| 3 Stars | 21 | 34% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 1 | 2% |
| Average Rating | 3.82 | |
Medicare Advantage comes with strict enrollment windows. By knowing when and how to sign up, you’ll avoid missed deadlines and keep your healthcare coverage aligned with your needs.
Key Medicare Enrollment Periods
- Initial Enrollment Period (IEP): This seven-month window starts three months before the month you turn 65 and ends three months after. It’s the first time you can sign up for Medicare and, if you choose, a Medicare Advantage plan. Learn more
- Medicare Advantage Open Enrollment Period (MA OEP): Each year from January 1 through March 31, you may change to another Medicare Advantage plan or drop your plan and return to Original Medicare. Learn more
- Annual Enrollment Period (AEP): This yearly window, running October 15 to December 7, gives you the opportunity to join, switch, or drop Medicare Advantage and Part D plans. Learn more
- Special Enrollment Periods (SEPs): Outside the standard enrollment dates, you may qualify for a Special Enrollment Period if specific circumstances apply, including relocation or coverage loss. Learn more
Enrollment Options Explained
- Talk with a Licensed Agent: Licensed agents at HealthCompare can explain your Medicare Advantage choices. Reach them at 1-833-748-3201 (TTY 711), Mon-Fri 8AM-10PM, Sat 9AM-8PM EST.
- Contact the Plan Provider Directly: Enrollment can also be completed by calling the plan provider’s customer service line or visiting their official website.
- Use Medicare.gov: The official Medicare website, Medicare.gov, lets you review available plans and complete enrollment 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 Philadelphia, and all other areas of Philadelphia County, Pennsylvania. For a broader view of coverage choices across the state, see Medicare plan options in Pennsylvania.
Plans Offered through Medicare.org
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, Dean Health Plan, Devoted Health, Florida Blue Medicare, Freedom Health, 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®, Wellcare, WellPoint
- CMS.gov, Landscape Source Files — Version: CY2027 Landscape (202609.1)
- CMS.gov, Medicare Part C & D Performance — Version: 2027 Star Ratings Data Tables
- CMS.gov, Plan Benefits Package — Version: PBP Benefits-2027
- CMS.gov, Medicare Advantage/Part D Contract and Enrollment Data — Version: 2026-09
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, "Understanding Medicare Advantage Plans" — Last accessed 25 May, 2025
- Medicare.gov, "Compare Original Medicare & Medicare Advantage" — Last accessed 25 May, 2025
- NCOA.org, "5 Steps to Choosing the Right Medicare Plan for You" — 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 2027 Medicare Advantage plans available in Philadelphia 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, Editorial Steward, using a standardized, data-driven methodology for accurate Medicare coverage interpretation and resolution.