Medicare Advantage plans in Missouri for 2027
Missouri gained open plans for 2027 and has one of the lowest median caps in the Midwest, with the St. Louis area at the top of the list.
Jefferson, Missouri: plans open to everyone on Parts A and B
46 plans
26 with a $0 premium and drug coverage · out-of-pocket limits $2,850 to $9,850 · best rating 4.5★ · 4 plan IDs of 2026 not renewed here
46 plans shown · monthly premium = Part C + Part D, before your Part B premium · stars: 2027 ratings published October 8, 2026
| Plan | Premium | Drug deductible | Max out of pocket | Stars |
|---|---|---|---|---|
| Humana Total Complete (HMO)Humana · HMO · H0028-014-0 | $0 | $700 | $2,850 | 4.5★ |
| Humana Total Complete (HMO)Humana · HMO · H4461-046-0 | $0 | $700 | $2,850 | 4.5★ |
| DEVOTED CORE 001 MO (HMO)Devoted Health · HMO · H2041-001-0 | $0 | $650 | $3,100 | 4.0★ |
| Aetna Medicare Signature (HMO-POS)Aetna Medicare · HMO-POS · H2663-005-0 | $0 | $500 | $3,400 | 3.5★ |
| Essence Advantage (HMO)Essence Healthcare · HMO · H2610-005-0 | $0 | $0 | $3,400 | 4.0★ |
| Wellcare Patriot Giveback Open (PPO)Wellcare · PPO · H7518-002-0 | $0 | no drugs | $4,000 | 2.5★ |
| AARP Medicare Advantage from UHC ST-1P (HMO-POS)UnitedHealthcare · HMO-POS · H2802-071-0 | $0 | $685 | $4,100 | 3.5★ |
| HealthSpring Preferred (HMO)HealthSpring · HMO · H0439-020-0 | $0 | $500 | $4,200 | 3.0★ |
| Humana Essentials Plus Giveback (HMO)Humana · HMO · H0028-065-0 | $0 | $700 | $4,200 | 4.5★ |
| Humana Essentials Plus Giveback (HMO)Humana · HMO · H4461-045-0 | $0 | $700 | $4,200 | 4.5★ |
| Humana Value Choice (PPO)Humana · PPO · H7617-023-0 | $0 | $700 | $4,400 | 4.5★ |
| AARP Medicare Advantage Essentials from UHC ST-3 (HMO-POS)UnitedHealthcare · HMO-POS · H2802-028-0 | $0 | $685 | $4,450 | 3.5★ |
| Anthem Medicare Advantage (HMO-POS)Anthem HealthKeepers · HMO-POS · H3447-038-2 | $0 | $210 | $4,450 | 3.0★ |
| Essence Advantage Select (HMO)Essence Healthcare · HMO · H2610-016-0 | $0 | $450 | $4,450 | 4.0★ |
| Humana Value Choice (PPO)Humana · PPO · H5216-318-1 | $0 | $700 | $4,450 | 4.0★ |
| Humana USAA Honor Giveback (PPO)Humana · PPO · H5216-278-1 | $0 | no drugs | $4,700 | 4.0★ |
| Humana USAA Honor Giveback (PPO)Humana · PPO · H7617-012-0 | $0 | no drugs | $4,700 | 4.5★ |
| Aetna Medicare Eagle (HMO-POS)Aetna Medicare · HMO-POS · H2663-069-0 | $0 | no drugs | $4,900 | 3.5★ |
| Aetna Medicare Elite (PPO)Aetna Medicare · PPO · H5521-750-0 | $0 | $700 | $4,900 | 4.0★ |
| Aetna Medicare Elite Classic Extra (PPO)Aetna Medicare · PPO · H1608-067-0 | $0 | $700 | $4,900 | 4.0★ |
| DEVOTED GIVEBACK EXTRAS 028 MO (HMO)Devoted Health · HMO · H2041-028-0 | $0 | $700 | $5,100 | 4.0★ |
| Aetna Medicare Value Plus (HMO-POS)Aetna Medicare · HMO-POS · H2663-057-0 · was $30.90 in 2026 | $0 | $400 | $5,500 | 3.5★ |
| Humana USAA Honor Giveback (Regional PPO)Humana · Regional PPO · R1532-001-0 | $0 | no drugs | $5,500 | 3.5★ |
| AARP Medicare Advantage Patriot No Rx MO-MA01 (HMO-POS)UnitedHealthcare · HMO-POS · H2802-050-0 | $0 | no drugs | $5,900 | 3.5★ |
| Aetna Medicare Elite Classic (PPO)Aetna Medicare · PPO · H1608-050-0 | $0 | $700 | $5,900 | 4.0★ |
| Humana Full Access (PPO)Humana · PPO · H5216-407-0 | $0 | $500 | $6,350 | 4.0★ |
| Humana Full Access (PPO)Humana · PPO · H7617-008-0 | $0 | $500 | $6,600 | 4.5★ |
| Anthem Veteran (PPO)Anthem Blue Cross and Blue Shield · PPO · H4909-021-0 | $0 | no drugs | $6,751 | 3.0★ |
| Wellcare Simple (HMO-POS)Wellcare · HMO-POS · H1664-001-0 | $0 | $700 | $7,100 | 3.0★ |
| Wellcare Simple Open (PPO)Wellcare · PPO · H7518-001-0 | $0 | $700 | $7,100 | 3.0★ |
| AARP Medicare Advantage CareFlex from UHC ST-6 (HMO-POS)UnitedHealthcare · HMO-POS · H2802-073-0 | $0 | $685 | $7,150 | 3.5★ |
| DEVOTED GIVEBACK 002 MO (HMO)Devoted Health · HMO · H2041-002-0 | $0 | $461 | $7,150 | 4.0★ |
| HealthSpring Preferred Savings (HMO)HealthSpring · HMO · H0439-021-0 | $0 | $700 | $7,150 | 3.0★ |
| Humana Gold Choice H8145-126 (PFFS)Humana · PFFS · H8145-126-0 | $0 | no drugs | $9,850 | 3.5★ |
| HealthSpring True Choice (PPO)HealthSpring · PPO · H7849-156-0 | $6 | $700 | $7,150 | 3.0★ |
| AARP Medicare Advantage Extras from UHC ST-4 (HMO-POS)UnitedHealthcare · HMO-POS · H2802-052-0 · was $0 in 2026 | $19 | $685 | $4,450 | 3.5★ |
| Essence Advantage Choice (PPO)Essence Healthcare · PPO · H6200-001-0 · was $0 in 2026 | $40 | $700 | $9,850 | 4.0★ |
| AARP Medicare Advantage from UHC ST-0001 (PPO)UnitedHealthcare · PPO · H2406-043-0 · was $53 in 2026 | $58 | $685 | $7,150 | 4.0★ |
| Essence Advantage Plus (HMO)Essence Healthcare · HMO · H2610-006-0 | $59 | $450 | $2,900 | 4.0★ |
| Aetna Medicare Enhanced Extra (HMO-POS)Aetna Medicare · HMO-POS · H2663-006-0 · was $40 in 2026 | $59 | $700 | $5,900 | 3.5★ |
| Humana Gold Choice H8145-006 (PFFS)Humana · PFFS · H8145-006-0 · was $37 in 2026 | $60 | $700 | $7,800 | 4.0★ |
| Aetna Medicare Enhanced (PPO)Aetna Medicare · PPO · H5521-748-0 | $70 | $700 | $7,500 | 4.0★ |
| Aetna Medicare Enhanced Classic (PPO)Aetna Medicare · PPO · H1608-013-0 · was $60 in 2026 | $70 | $700 | $7,500 | 4.0★ |
| HumanaChoice H5216-032 (PPO)Humana · PPO · H5216-032-0 · was $63 in 2026 | $76 | $700 | $9,250 | 4.0★ |
| HumanaChoice R1532-002 (Regional PPO)Humana · Regional PPO · R1532-002-0 · was $50 in 2026 | $119 | $700 | $7,700 | 3.5★ |
| Essence Advantage Premier Plus (PPO)Essence Healthcare · PPO · H6200-008-0 · was $254 in 2026 | $264 | $700 | $2,900 | 4.0★ |
Compiled by Radif Partners from the CMS landscape file of September 2026 · How the data is read
Missouri has 113 Medicare Advantage plans open to anyone with Parts A and B for 2027, up from 109 in 2026, against the national trend. 79 of the 101 drug-covering plans charge a $0 premium, and caps are relatively low: the lowest is $2,000, for Humana Community (HMO-POS) at $0, and the median $5,500, below the national $6,550. St. Louis County, St. Charles and Jefferson list 46 open plans each, St. Louis City 45; Jackson County, around Kansas City, 36. At the bottom, Clark County lists 7. Every one of the 115 counties and St. Louis City has at least one plan. Humana Inc., CVS Health Corporation, UnitedHealth Group, Inc., Devoted Health, Inc. file the most plans, and 69 plans carry four stars or more. 9 stand-alone drug plans are sold, from $5.30 a month.
A market that grew for 2027
Most states lost open plans between 2026 and 2027; Missouri gained 4. Humana Inc. (30), CVS Health Corporation (26), UnitedHealth Group, Inc. (20), Devoted Health, Inc. (17), Lumeris Group Holdings Corporation (8), Health Care Service Corporation (3) file the most segments, Devoted Health being a newer entrant built around its own care teams. More plans is not automatically better: each new plan comes with its own network, and a low cap only helps if your doctors are in it.
A “$0 plan” over a year
Still paid in 2027
$3,548
| Part B premium (projected) | $2,514 |
| Cost sharing, up to the cap | $1,034 |
| Worst case | $9,264 |
St. Louis and Kansas City, then the Ozarks
Jefferson (46 open plans, 26 at $0), St. Charles (46 open plans, 26 at $0), St. Louis (46 open plans, 26 at $0), St. Louis City (45 open plans, 26 at $0) have the widest choice. Jackson County lists 36, with a lowest cap of $2,800. Residents of the Kansas City area who use hospitals on the Kansas side should check each plan's network across the state line. Clark (7), Scotland (7), Dunklin (10) have the shortest lists, where PPOs and the few private fee-for-service plans (2 in Missouri) fill the gap.
Two regions, one state line
Kansas City straddles two states, and so do its health systems. A Missouri resident joins plans filed for his or her Missouri county, but the plan's network can include hospitals in Kansas; the reverse holds for Kansans. The same applies around St. Louis with the Illinois side of the metro area.
Ratings and special needs plans
The best 2027 rating, 4.5 stars, goes to plans such as Humana Total Complete (HMO), at $0 with a $2,850 cap. Missouri also lists 61 special needs plans, 34 for people with MO HealthNet, the state Medicaid program, 18 for chronic conditions and 9 for nursing-home residents. Neighbors: Kansas, Illinois, Arkansas.
Every county of Missouri, 2027
| County | Plans open to all | $0 with drugs | Lowest max out of pocket | Rated 4★ or more | vs 2026 |
|---|---|---|---|---|---|
| Adair | 15 | 6 | $4,700 | 8 | -1 |
| Andrew | 18 | 8 | $3,600 | 7 | -3 |
| Atchison | 20 | 8 | $3,600 | 8 | same |
| Audrain | 27 | 16 | $2,850 | 16 | -1 |
| Barry | 36 | 22 | $2,000 | 21 | same |
| Barton | 29 | 18 | $2,900 | 14 | +1 |
| Bates | 23 | 12 | $3,600 | 8 | -1 |
| Benton | 24 | 11 | $3,600 | 9 | +2 |
| Bollinger | 20 | 11 | $3,200 | 12 | +1 |
| Boone | 29 | 15 | $4,000 | 17 | -3 |
| Buchanan | 11 | 3 | $4,450 | 3 | -3 |
| Butler | 14 | 7 | $4,450 | 6 | same |
| Caldwell | 22 | 12 | $3,600 | 8 | +3 |
| Callaway | 30 | 17 | $2,850 | 19 | -1 |
| Camden | 21 | 9 | $4,000 | 11 | -1 |
| Cape Girardeau | 20 | 13 | $2,000 | 12 | same |
| Carroll | 19 | 7 | $3,600 | 9 | -2 |
| Carter | 21 | 12 | $3,200 | 14 | +4 |
| Cass | 29 | 17 | $2,800 | 14 | -1 |
| Cedar | 27 | 14 | $2,900 | 15 | -2 |
| Chariton | 27 | 14 | $3,600 | 13 | +7 |
| Christian | 37 | 23 | $2,000 | 21 | same |
| Clark | 7 | 1 | $4,700 | 3 | -3 |
| Clay | 35 | 21 | $2,800 | 18 | same |
| Clinton | 25 | 14 | $3,600 | 8 | +3 |
| Cole | 22 | 10 | $4,000 | 11 | -1 |
| Cooper | 21 | 10 | $4,000 | 10 | -1 |
| Crawford | 44 | 26 | $2,850 | 27 | same |
| Dade | 32 | 19 | $2,900 | 18 | +1 |
| Dallas | 37 | 23 | $2,000 | 21 | same |
| Daviess | 18 | 8 | $3,600 | 7 | same |
| DeKalb | 19 | 8 | $3,600 | 8 | -3 |
| Dent | 31 | 18 | $3,100 | 15 | +3 |
| Douglas | 32 | 18 | $2,900 | 16 | same |
| Dunklin | 10 | 5 | $3,200 | 6 | +2 |
| Franklin | 40 | 24 | $2,850 | 24 | +2 |
| Gasconade | 34 | 17 | $2,900 | 19 | +1 |
| Gentry | 16 | 8 | $3,600 | 5 | same |
| Greene | 38 | 23 | $2,000 | 21 | same |
| Grundy | 19 | 8 | $3,600 | 8 | +2 |
| Harrison | 12 | 5 | $3,600 | 4 | -1 |
| Henry | 23 | 10 | $3,600 | 8 | -1 |
| Hickory | 27 | 14 | $2,900 | 14 | -3 |
| Holt | 19 | 8 | $3,600 | 8 | -3 |
| Howard | 18 | 8 | $4,400 | 10 | -1 |
| Howell | 29 | 17 | $2,900 | 18 | +2 |
| Iron | 27 | 18 | $2,850 | 19 | +2 |
| Jackson | 36 | 21 | $2,800 | 18 | same |
| Jasper | 32 | 19 | $2,000 | 17 | same |
| Jefferson | 46 | 26 | $2,850 | 26 | same |
| Johnson | 22 | 10 | $3,600 | 7 | +1 |
| Knox | 16 | 6 | $4,700 | 8 | -1 |
| Laclede | 32 | 18 | $2,900 | 16 | same |
| Lafayette | 33 | 21 | $2,800 | 16 | same |
| Lawrence | 35 | 22 | $2,000 | 21 | same |
| Lewis | 16 | 6 | $4,700 | 9 | -1 |
| Lincoln | 39 | 22 | $2,850 | 22 | -3 |
| Linn | 19 | 8 | $4,450 | 9 | +1 |
| Livingston | 19 | 12 | $3,600 | 5 | +5 |
| Macon | 16 | 6 | $4,700 | 9 | -1 |
| Madison | 19 | 13 | $2,850 | 14 | -5 |
| Maries | 23 | 13 | $4,000 | 12 | -2 |
| Marion | 16 | 6 | $4,700 | 9 | -1 |
| McDonald | 29 | 17 | $2,900 | 14 | same |
| Mercer | 19 | 8 | $3,600 | 8 | +2 |
| Miller | 27 | 14 | $4,000 | 15 | +3 |
| Mississippi | 18 | 9 | $3,200 | 10 | +3 |
| Moniteau | 21 | 10 | $4,000 | 10 | -1 |
| Monroe | 15 | 6 | $4,700 | 8 | -1 |
| Montgomery | 27 | 13 | $2,900 | 16 | -3 |
| Morgan | 24 | 14 | $4,000 | 14 | +3 |
| New Madrid | 12 | 5 | $3,200 | 7 | -3 |
| Newton | 31 | 19 | $2,000 | 17 | same |
| Nodaway | 17 | 8 | $3,600 | 5 | +2 |
| Oregon | 23 | 13 | $2,900 | 14 | +1 |
| Osage | 25 | 14 | $4,000 | 14 | +3 |
| Ozark | 24 | 12 | $2,900 | 13 | -3 |
| Pemiscot | 19 | 9 | $3,200 | 10 | +3 |
| Perry | 30 | 18 | $2,850 | 21 | +2 |
| Pettis | 15 | 5 | $4,400 | 6 | -1 |
| Phelps | 30 | 15 | $4,000 | 14 | same |
| Pike | 19 | 7 | $2,850 | 12 | -8 |
| Platte | 35 | 21 | $2,800 | 18 | same |
| Polk | 38 | 23 | $2,000 | 21 | same |
| Pulaski | 36 | 19 | $3,125 | 18 | same |
| Putnam | 19 | 8 | $4,450 | 9 | +1 |
| Ralls | 16 | 6 | $4,700 | 9 | -1 |
| Randolph | 16 | 7 | $4,700 | 9 | same |
| Ray | 29 | 17 | $2,800 | 14 | -4 |
| Reynolds | 25 | 14 | $3,200 | 15 | +3 |
| Ripley | 20 | 10 | $3,200 | 12 | +4 |
| Saline | 19 | 9 | $4,200 | 8 | same |
| Schuyler | 15 | 6 | $4,700 | 8 | -1 |
| Scotland | 7 | 1 | $4,700 | 3 | -3 |
| Scott | 20 | 13 | $2,000 | 12 | same |
| Shannon | 21 | 11 | $2,900 | 12 | +2 |
| Shelby | 16 | 6 | $4,700 | 8 | -1 |
| St. Charles | 46 | 26 | $2,850 | 26 | same |
| St. Clair | 23 | 11 | $2,900 | 13 | -3 |
| St. Francois | 28 | 16 | $2,850 | 17 | same |
| St. Louis | 46 | 26 | $2,850 | 26 | same |
| St. Louis City | 45 | 26 | $2,850 | 26 | same |
| Ste. Genevieve | 22 | 9 | $3,100 | 11 | -4 |
| Stoddard | 23 | 14 | $2,000 | 14 | +3 |
| Stone | 36 | 22 | $2,000 | 21 | same |
| Sullivan | 24 | 13 | $3,600 | 11 | +6 |
| Taney | 35 | 22 | $2,000 | 21 | same |
| Texas | 24 | 14 | $2,900 | 13 | +2 |
| Vernon | 24 | 12 | $2,900 | 12 | -1 |
| Warren | 44 | 26 | $2,850 | 25 | same |
| Washington | 45 | 26 | $2,850 | 25 | same |
| Wayne | 15 | 8 | $4,400 | 7 | same |
| Webster | 36 | 23 | $2,000 | 20 | same |
| Worth | 18 | 8 | $3,600 | 7 | same |
| Wright | 32 | 18 | $2,900 | 16 | same |
Stand-alone Part D plans in Missouri
| Plan | Monthly premium | With full Extra Help | Deductible | 2026 premium | 2027 Part D stars |
|---|---|---|---|---|---|
| Wellcare Value Script (PDP)Wellcare · S4802-152-0 | $5.30 | $5.30 | $700 | $9.60 | 3.0 |
| Wellcare Classic (PDP)Wellcare · S4802-072-0 · Extra Help benchmark | $7.30 | $0 | $700 | $10.70 | 3.0 |
| Humana Basic Rx Plan (PDP)Humana · S5884-140-0 · Extra Help benchmark | $13.30 | $0 | $700 | $16.50 | 4.5 |
| Humana Value Rx Plan (PDP)Humana · S5884-197-0 | $49.30 | $30.90 | $687 | $33.70 | 4.5 |
| HealthSpring Assurance Rx (PDP)Blue Cross and Blue Shield of IL, NM, OK, TX · S5715-038-0 | $85.10 | $66.70 | $700 | new | 2.5 |
| SilverScript Choice (PDP)Aetna Medicare · S5601-036-0 | $119.20 | $100.80 | $700 | $94.90 | 2.5 |
| Humana Premier Rx Plan (PDP)Humana · S5884-164-0 | $146.30 | $127.90 | $350 | $126.40 | 4.5 |
| AARP Medicare Rx Saver from UHC (PDP)UnitedHealthcare · S5921-363-0 | $167.40 | $149 | $700 | $71.90 | 3.0 |
| AARP Medicare Rx Preferred from UHC (PDP)UnitedHealthcare · S5921-399-0 | $205.20 | $186.80 | $300 | $125.40 | 3.0 |