Medicare Advantage plans in Ohio for 2027
Northeast Ohio has one of the deepest Medicare Advantage markets in the Midwest, built partly by insurers that exist only in Ohio.
Cuyahoga, Ohio: plans open to everyone on Parts A and B
66 plans
29 with a $0 premium and drug coverage · out-of-pocket limits $3,000 to $9,850 · best rating 4.5★ · 13 plan IDs of 2026 not renewed here
66 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 |
|---|---|---|---|---|
| SummaCare Medicare Amber (HMO)SummaCare Medicare Advantage Plans · HMO · H3660-058-0 | $0 | no drugs | $3,450 | 4.0★ |
| Humana Gold Plus H0292-004 (HMO-POS)Humana · HMO-POS · H0292-004-0 | $0 | $350 | $4,200 | 4.5★ |
| Aetna Medicare Advantra Signature Classic (PPO)Aetna Medicare · PPO · H1608-029-0 | $0 | $700 | $4,500 | 4.0★ |
| Anthem Medicare Advantage (HMO-POS)Anthem Blue Cross and Blue Shield · HMO-POS · H3655-045-4 | $0 | $425 | $4,750 | 3.5★ |
| DEVOTED CORE 022 OH (HMO)Devoted Health · HMO · H2697-022-0 | $0 | $650 | $4,750 | 4.0★ |
| AARP Medicare Advantage from UHC OH-18 (HMO-POS)UnitedHealthcare · HMO-POS · H5253-201-0 | $0 | $685 | $4,900 | 4.0★ |
| Aetna Medicare Signature Care (HMO-POS)Aetna Medicare · HMO-POS · H0628-005-0 | $0 | $400 | $4,900 | 3.5★ |
| DEVOTED CORE 001 OH (HMO)Devoted Health · HMO · H2697-001-0 | $0 | $650 | $4,900 | 4.0★ |
| Perennial Advantage Freedom (HMO-POS)Perennial Advantage · HMO-POS · H8797-003-0 | $0 | $350 | $4,900 | too few data |
| SummaCare Medicare Quartz (HMO)SummaCare Medicare Advantage Plans · HMO · H3660-057-0 | $0 | $410 | $5,200 | 4.0★ |
| DEVOTED CHOICE 001 OH (PPO)Devoted Health · PPO · H2526-001-0 | $0 | $650 | $5,300 | 4.5★ |
| DEVOTED CHOICE 003 OH (PPO)Devoted Health · PPO · H2526-003-0 | $0 | $650 | $5,300 | 4.5★ |
| Humana Gold Plus H6622-022 (HMO-POS)Humana · HMO-POS · H6622-022-0 | $0 | $500 | $5,500 | 4.0★ |
| MedMutual Advantage Classic (HMO-POS)Medical Mutual of Ohio · HMO-POS · H6723-001-1 | $0 | $315 | $5,500 | 3.5★ |
| Zing Elite Select OH (HMO)Zing Health · HMO · H4624-037-0 | $0 | $350 | $5,500 | 3.5★ |
| Zing Select Care OH (HMO)Zing Health · HMO · H4624-038-0 | $0 | $450 | $5,500 | 3.5★ |
| HumanaChoice R0110-015 (Regional PPO)Humana · Regional PPO · R0110-015-0 | $0 | no drugs | $5,700 | 3.5★ |
| AARP Medicare Advantage Essentials from UHC OH-5 (HMO-POS)UnitedHealthcare · HMO-POS · H5253-144-1 | $0 | $685 | $5,900 | 4.0★ |
| Aetna Medicare Signature (PPO)Aetna Medicare · PPO · H5521-088-0 | $0 | $500 | $5,900 | 4.0★ |
| Anthem Veteran (PPO)Anthem Blue Cross and Blue Shield · PPO · H4036-022-0 | $0 | no drugs | $5,900 | 4.5★ |
| Anthem Veteran (Regional PPO)Anthem Blue Cross and Blue Shield · Regional PPO · R5941-013-0 | $0 | no drugs | $6,100 | 3.5★ |
| DEVOTED GIVEBACK EXTRAS 026 OH (HMO)Devoted Health · HMO · H2697-026-0 | $0 | $700 | $6,350 | 4.0★ |
| HealthSpring Preferred Savings (HMO)HealthSpring · HMO · H0672-016-0 | $0 | $600 | $6,500 | 2.5★ |
| HealthSpring Preferred (HMO)HealthSpring · HMO · H0672-006-0 | $0 | $400 | $6,750 | 2.5★ |
| HumanaChoice H5216-285 (PPO)Humana · PPO · H5216-285-0 | $0 | $700 | $6,750 | 4.0★ |
| HumanaChoice H7617-004 (PPO)Humana · PPO · H7617-004-0 | $0 | $700 | $6,750 | 4.5★ |
| Aetna Medicare Eagle Giveback (PPO)Aetna Medicare · PPO · H5521-487-0 | $0 | no drugs | $6,900 | 4.5★ |
| AARP Medicare Advantage Extras from UHC OH-10 (HMO-POS)UnitedHealthcare · HMO-POS · H5253-131-0 | $0 | $685 | $7,150 | 4.0★ |
| Humana Cleveland Clinic Preferred (HMO-POS)Humana · HMO-POS · H6622-023-0 | $0 | $500 | $7,150 | 4.0★ |
| Anthem Extra Help (HMO-POS)Anthem Blue Cross and Blue Shield · HMO-POS · H3655-041-0 · was $31.40 in 2026 | $0 | $105 | $7,350 | 3.5★ |
| The Health Plan SecureCare Integrity Plan 3 (HMO)The Health Plan · HMO · H3672-014-0 | $0 | no drugs | $7,500 | 3.5★ |
| Humana USAA Honor Giveback (PPO)Humana · PPO · H5216-218-0 | $0 | no drugs | $7,900 | 4.0★ |
| Humana USAA Honor Giveback (PPO)Humana · PPO · H5216-441-0 | $0 | no drugs | $7,900 | 4.0★ |
| Humana USAA Honor Giveback (PPO)Humana · PPO · H7617-073-0 | $0 | no drugs | $7,900 | 4.5★ |
| DEVOTED GIVEBACK 003 OH (HMO)Devoted Health · HMO · H2697-003-0 | $0 | $461 | $8,000 | 4.0★ |
| AARP Medicare Advantage Giveback from UHC OH-17 (HMO-POS)UnitedHealthcare · HMO-POS · H5253-135-0 | $0 | $685 | $8,500 | 4.0★ |
| AARP Medicare Advantage Patriot No Rx OH-MA2 (HMO-POS)UnitedHealthcare · HMO-POS · H5253-244-0 | $0 | no drugs | $8,900 | 3.5★ |
| DEVOTED CHOICE MA ONLY 002 OH (PPO)Devoted Health · PPO · H2526-002-0 | $0 | no drugs | $9,250 | 4.5★ |
| Humana Essentials Plus Giveback (PPO)Humana · PPO · H7617-144-2 | $0 | $700 | $9,850 | 4.5★ |
| HumanaChoice Giveback H5216-481 (PPO)Humana · PPO · H5216-481-2 | $0 | $700 | $9,850 | 4.0★ |
| HumanaChoice H5216-106 (PPO)Humana · PPO · H5216-106-0 · was $1 in 2026 | $15 | $700 | $5,300 | 4.0★ |
| HealthSpring True Choice (PPO)HealthSpring · PPO · H7849-015-0 · was $0 in 2026 | $15 | $600 | $8,850 | 3.0★ |
| SummaCare Medicare Topaz (HMO)SummaCare Medicare Advantage Plans · HMO · H3660-050-0 · was $0 in 2026 | $17 | $365 | $4,650 | 4.0★ |
| Humana Gold Plus H6622-055 (HMO)Humana · HMO · H6622-055-0 · was $16 in 2026 | $27 | $300 | $6,550 | 4.0★ |
| DEVOTED PREMIUM 002 OH (HMO)Devoted Health · HMO · H2697-002-0 · was $31.40 in 2026 | $31 | $650 | $6,500 | 4.0★ |
| The Health Plan SecureCare - Option II (HMO)The Health Plan · HMO · H3672-013-0 · was $0 in 2026 | $33 | $395 | $7,500 | 3.5★ |
| HumanaChoice H5216-023 (PPO)Humana · PPO · H5216-023-0 · was $21 in 2026 | $44 | $450 | $6,000 | 4.0★ |
| The Health Plan SecureChoice Optimum (PPO)The Health Plan · PPO · H8604-014-1 · was $0 in 2026 | $45 | $425 | $7,000 | 3.0★ |
| AARP Medicare Advantage Essentials from UHC OH-6 (HMO-POS)UnitedHealthcare · HMO-POS · H5253-124-1 · was $41 in 2026 | $49 | $685 | $4,450 | 4.0★ |
| Humana Full Access (PPO)Humana · PPO · H5525-042-0 · was $27 in 2026 | $53 | $700 | $9,850 | 4.0★ |
| SummaCare Medicare Ruby (HMO)SummaCare Medicare Advantage Plans · HMO · H3660-044-0 · was $50 in 2026 | $55 | $200 | $4,200 | 4.0★ |
| MedMutual Advantage Select (PPO)Medical Mutual of Ohio · PPO · H4497-001-1 · was $44 in 2026 | $55 | $95 | $6,900 | 4.5★ |
| MedMutual Advantage Choice (HMO)Medical Mutual of Ohio · HMO · H6723-002-1 · was $45 in 2026 | $57 | $55 | $4,450 | 3.5★ |
| AARP Medicare Advantage Extras from UHC OH-8 (HMO-POS)UnitedHealthcare · HMO-POS · H5253-126-1 · was $51 in 2026 | $59 | $685 | $4,900 | 4.0★ |
| Anthem Medicare Advantage 3 (PPO)Anthem Blue Cross and Blue Shield · PPO · H4036-025-0 · was $51 in 2026 | $59 | $495 | $7,150 | 4.5★ |
| Anthem Medicare Advantage 4 (PPO)Anthem Blue Cross and Blue Shield · PPO · H4036-017-0 · was $56 in 2026 | $65 | $495 | $7,150 | 4.5★ |
| SummaCare Medicare Sapphire (HMO-POS)SummaCare Medicare Advantage Plans · HMO-POS · H3660-029-0 · was $83 in 2026 | $85 | $100 | $3,800 | 4.0★ |
| AARP Medicare Advantage from UHC OH-0001 (HMO-POS)UnitedHealthcare · HMO-POS · H5253-051-0 · was $76 in 2026 | $85 | $505 | $4,200 | 4.0★ |
| HumanaChoice H5525-030 (PPO)Humana · PPO · H5525-030-0 · was $85 in 2026 | $86 | $450 | $4,450 | 4.0★ |
| MedMutual Advantage Preferred (PPO)Medical Mutual of Ohio · PPO · H4497-002-1 · was $73 in 2026 | $89 | $55 | $5,900 | 4.5★ |
| MedMutual Advantage Plus (HMO)Medical Mutual of Ohio · HMO · H6723-003-1 · was $90 in 2026 | $92 | $55 | $4,450 | 3.5★ |
| Aetna Medicare Premier (PPO)Aetna Medicare · PPO · H5521-020-0 · was $95 in 2026 | $105 | $500 | $4,900 | 4.0★ |
| Anthem Medicare Advantage (Regional PPO)Anthem Blue Cross and Blue Shield · Regional PPO · R5941-014-0 · was $87 in 2026 | $106 | $395 | $6,750 | 3.5★ |
| HumanaChoice R0110-016 (Regional PPO)Humana · Regional PPO · R0110-016-0 · was $80 in 2026 | $121 | $700 | $7,150 | 3.5★ |
| SummaCare Medicare Emerald (HMO-POS)SummaCare Medicare Advantage Plans · HMO-POS · H3660-028-0 · was $157 in 2026 | $159 | $50 | $3,000 | 4.0★ |
| MedMutual Advantage Premium (PPO)Medical Mutual of Ohio · PPO · H4497-003-1 · was $149 in 2026 | $168 | $55 | $3,450 | 4.5★ |
Compiled by Radif Partners from the CMS landscape file of September 2026 · How the data is read
Ohio has 134 Medicare Advantage plans open to everyone with Parts A and B for 2027, 21 fewer than in 2026, and the northeast corner holds the richest choice: Summit (68), Cuyahoga (66), Stark (66). Franklin County, around Columbus, lists 55; Hamilton, around Cincinnati, 55. In the Appalachian southeast the menu shrinks to 22 in Scioto County. 67 drug-covering plans charge no premium. The median in-network cap is $5,900, below the national $6,550, and the lowest is $3,000. Home-grown carriers matter here: Medical Mutual of Ohio files 16 plans, and SummaCare, tied to the Akron area, holds the lowest cap. 87 plans rate four stars or more, so a high rating alone rarely narrows the field. 46 special needs plans and 9 stand-alone drug plans follow.
Ohio-only carriers next to the national names
The list of parent companies reads UnitedHealth Group, Inc. (23), Humana Inc. (20), MEDICAL MUTUAL OF OHIO (16), Devoted Health, Inc. (16), CVS Health Corporation (12), Elevance Health, Inc. (11), with 14 in total. Medical Mutual is a Cleveland-based mutual insurer, and SummaCare is the plan of an Akron health system. Their networks are narrow geographically but deep locally, which is the reverse of a national PPO. SummaCare Medicare Emerald (HMO-POS) carries the state's lowest cap, $3,000, at $159 a month: a plan priced for someone who expects heavy use of one hospital system.
A hospital stay, inside and outside a plan
Cleveland and Columbus are destinations for complex surgery, and that is when the structure of coverage shows. Under Original Medicare, a 2026 inpatient stay starts with a Part A deductible of $1,736 per benefit period, and daily coinsurance begins on day 61. A Medicare Advantage plan replaces that with its own per-day copays, all counted toward the plan's yearly cap. The calculator shows the Original Medicare side.
A hospital stay under Part A in 2026
Your share
$1,736
| Deductible | $1,736 |
| Daily from day 61 | $434 |
From Summit County to Scioto County
The eight counties with the most open plans all sit in the northeast, between Cleveland, Akron, Canton and Youngstown, each with 63 or more. Cuyahoga has 66, of which 29 at $0. In Scioto (22), Athens (23), Crawford (27), choice is far narrower, though no Ohio county is without plans. 92 of the state's open plans are HMOs and 42 PPOs, so in rural counties check which hospital each HMO uses before signing up, since a closer hospital outside the network is covered only for emergencies and urgent care.
Every county of Ohio, 2027
| County | Plans open to all | $0 with drugs | Lowest max out of pocket | Rated 4★ or more | vs 2026 |
|---|---|---|---|---|---|
| Adams | 41 | 18 | $3,900 | 24 | -6 |
| Allen | 45 | 18 | $3,450 | 33 | -8 |
| Ashland | 54 | 20 | $3,450 | 40 | -7 |
| Ashtabula | 39 | 14 | $3,000 | 29 | +3 |
| Athens | 23 | 5 | $3,900 | 12 | -10 |
| Auglaize | 49 | 21 | $3,450 | 31 | -6 |
| Belmont | 35 | 12 | $4,200 | 24 | -5 |
| Brown | 56 | 23 | $3,600 | 33 | -6 |
| Butler | 58 | 24 | $3,600 | 34 | -8 |
| Carroll | 54 | 20 | $3,000 | 43 | -4 |
| Champaign | 49 | 22 | $3,900 | 29 | -7 |
| Clark | 57 | 24 | $3,600 | 34 | -8 |
| Clermont | 57 | 23 | $3,600 | 34 | -8 |
| Clinton | 43 | 18 | $3,900 | 27 | -6 |
| Columbiana | 62 | 22 | $3,000 | 48 | -7 |
| Coshocton | 31 | 13 | $3,900 | 16 | -8 |
| Crawford | 27 | 9 | $4,450 | 17 | -15 |
| Cuyahoga | 66 | 29 | $3,000 | 46 | -7 |
| Darke | 49 | 23 | $3,900 | 28 | -6 |
| Defiance | 36 | 14 | $3,450 | 27 | -7 |
| Delaware | 55 | 22 | $3,600 | 34 | -8 |
| Erie | 49 | 21 | $3,450 | 36 | -6 |
| Fairfield | 53 | 21 | $3,600 | 33 | -8 |
| Fayette | 35 | 12 | $3,900 | 20 | -6 |
| Franklin | 55 | 23 | $3,600 | 33 | -7 |
| Fulton | 58 | 23 | $3,450 | 41 | -8 |
| Gallia | 32 | 11 | $3,900 | 15 | -5 |
| Geauga | 59 | 24 | $3,000 | 42 | -7 |
| Greene | 57 | 23 | $3,600 | 34 | -8 |
| Guernsey | 39 | 17 | $3,900 | 23 | -8 |
| Hamilton | 55 | 24 | $3,600 | 34 | -7 |
| Hancock | 43 | 17 | $3,450 | 35 | -8 |
| Hardin | 41 | 18 | $4,450 | 29 | -8 |
| Harrison | 56 | 21 | $3,900 | 40 | -5 |
| Henry | 33 | 13 | $3,450 | 23 | -16 |
| Highland | 34 | 12 | $3,900 | 19 | -5 |
| Hocking | 42 | 15 | $3,600 | 23 | -6 |
| Holmes | 55 | 22 | $3,450 | 39 | -6 |
| Huron | 42 | 16 | $3,450 | 33 | -4 |
| Jackson | 38 | 16 | $3,900 | 21 | -7 |
| Jefferson | 40 | 12 | $4,200 | 29 | -5 |
| Knox | 40 | 14 | $3,900 | 23 | -8 |
| Lake | 63 | 26 | $3,000 | 45 | -6 |
| Lawrence | 31 | 11 | $3,900 | 19 | -5 |
| Licking | 55 | 23 | $3,600 | 33 | -6 |
| Logan | 45 | 20 | $3,900 | 28 | -7 |
| Lorain | 62 | 26 | $3,000 | 43 | -7 |
| Lucas | 58 | 25 | $3,450 | 42 | -8 |
| Madison | 53 | 22 | $3,600 | 32 | -5 |
| Mahoning | 65 | 25 | $3,000 | 47 | -7 |
| Marion | 38 | 17 | $3,900 | 29 | -3 |
| Medina | 65 | 26 | $3,000 | 47 | -7 |
| Meigs | 38 | 16 | $3,900 | 21 | -2 |
| Mercer | 36 | 13 | $3,450 | 24 | -11 |
| Miami | 57 | 23 | $3,600 | 34 | -7 |
| Monroe | 32 | 10 | $3,900 | 15 | -8 |
| Montgomery | 58 | 24 | $3,600 | 34 | -7 |
| Morgan | 35 | 14 | $3,900 | 18 | -7 |
| Morrow | 46 | 19 | $3,600 | 30 | -8 |
| Muskingum | 35 | 10 | $3,900 | 18 | -8 |
| Noble | 40 | 17 | $3,900 | 23 | -7 |
| Ottawa | 54 | 21 | $3,450 | 38 | -10 |
| Paulding | 34 | 15 | $4,450 | 23 | -15 |
| Perry | 42 | 15 | $3,600 | 24 | -7 |
| Pickaway | 53 | 22 | $3,600 | 32 | -5 |
| Pike | 34 | 12 | $3,900 | 19 | -5 |
| Portage | 64 | 25 | $3,000 | 46 | -9 |
| Preble | 49 | 21 | $3,900 | 30 | -6 |
| Putnam | 45 | 18 | $3,450 | 33 | -8 |
| Richland | 36 | 13 | $3,900 | 20 | -6 |
| Ross | 36 | 13 | $3,900 | 20 | -15 |
| Sandusky | 51 | 22 | $3,600 | 38 | -4 |
| Scioto | 22 | 5 | $3,900 | 11 | -12 |
| Seneca | 50 | 20 | $3,450 | 37 | -9 |
| Shelby | 49 | 23 | $3,900 | 28 | -7 |
| Stark | 66 | 26 | $3,000 | 47 | -6 |
| Summit | 68 | 28 | $3,000 | 48 | -7 |
| Trumbull | 63 | 25 | $3,000 | 44 | -6 |
| Tuscarawas | 48 | 19 | $3,000 | 37 | -9 |
| Union | 50 | 22 | $3,600 | 32 | -4 |
| Van Wert | 35 | 14 | $3,450 | 25 | -15 |
| Vinton | 37 | 15 | $3,900 | 20 | -6 |
| Warren | 57 | 24 | $3,600 | 33 | -7 |
| Washington | 30 | 8 | $3,900 | 13 | -12 |
| Wayne | 56 | 20 | $3,000 | 42 | -7 |
| Williams | 39 | 18 | $4,450 | 30 | +3 |
| Wood | 57 | 24 | $3,450 | 42 | -7 |
| Wyandot | 33 | 14 | $4,450 | 23 | -16 |
Stand-alone Part D plans in Ohio
| Plan | Monthly premium | With full Extra Help | Deductible | 2026 premium | 2027 Part D stars |
|---|---|---|---|---|---|
| Wellcare Value Script (PDP)Wellcare · S4802-149-0 | $5.30 | $5.30 | $700 | $7.60 | 3.0 |
| Wellcare Classic (PDP)Wellcare · S4802-085-0 · Extra Help benchmark | $7.30 | $0 | $700 | $7.70 | 3.0 |
| Humana Basic Rx Plan (PDP)Humana · S5884-137-0 · Extra Help benchmark | $11.30 | $0 | $700 | $0 | 4.5 |
| HealthSpring Assurance Rx (PDP)Blue Cross and Blue Shield of IL, NM, OK, TX · S5715-035-0 · Extra Help benchmark | $15.70 | $0 | $700 | new | 2.5 |
| Humana Value Rx Plan (PDP)Humana · S5884-193-0 | $42 | $20.90 | $687 | $23.70 | 4.5 |
| SilverScript Choice (PDP)Aetna Medicare · S5601-028-0 | $127.40 | $106.30 | $700 | $90.30 | 2.5 |
| AARP Medicare Rx Saver from UHC (PDP)UnitedHealthcare · S5921-359-0 | $129.70 | $108.60 | $700 | $73.70 | 3.0 |
| Humana Premier Rx Plan (PDP)Humana · S5884-160-0 | $132.30 | $111.20 | $350 | $117.60 | 4.5 |
| AARP Medicare Rx Preferred from UHC (PDP)UnitedHealthcare · S5921-395-0 | $200.40 | $179.30 | $300 | $123.40 | 3.0 |