Medicare Advantage plans in Philadelphia County, Pennsylvania (2027)
Philadelphia has 13 insurers on its list, a five-star plan, and Independence Blue Cross filing more plans than any national carrier.
Philadelphia, Pennsylvania: plans open to everyone on Parts A and B
63 plans
29 with a $0 premium and drug coverage · out-of-pocket limits $4,150 to $9,850 · best rating 5.0★ · 9 plan IDs of 2026 not renewed here
63 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 |
|---|---|---|---|---|
| HumanaChoice Giveback H5216-116 (PPO)Humana · PPO · H5216-116-0 | $0 | no drugs | $4,150 | 4.0★ |
| Perennial Advantage Freedom (HMO)Perennial Advantage · HMO · H3419-006-0 | $0 | $400 | $4,500 | too few data |
| HumanaChoice R0110-007 (Regional PPO)Humana · Regional PPO · R0110-007-0 | $0 | no drugs | $4,750 | 3.5★ |
| Freedom Blue PPO Valor (PPO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · PPO · H3916-056-0 | $0 | no drugs | $6,000 | 4.5★ |
| UPMC for Life HMO No Rx (HMO)UPMC for Life · HMO · H3907-002-0 | $0 | no drugs | $6,500 | 4.5★ |
| AARP Medicare Advantage Essentials from UHC PA-5 (HMO-POS)UnitedHealthcare · HMO-POS · H5253-154-0 | $0 | $685 | $6,700 | 4.0★ |
| Geisinger Gold Heritage (HMO)Geisinger Gold · HMO · H3954-162-0 | $0 | no drugs | $6,700 | 4.0★ |
| Humana USAA Honor Giveback (PPO)Humana · PPO · H5216-221-0 | $0 | no drugs | $6,700 | 4.0★ |
| DEVOTED CHOICE 007 PA (PPO)Devoted Health · PPO · H6018-007-0 | $0 | $650 | $7,100 | 3.0★ |
| AARP Medicare Advantage Extras from UHC PA-18 (HMO-POS)UnitedHealthcare · HMO-POS · H5253-203-0 | $0 | $685 | $7,150 | 4.0★ |
| AARP Medicare Advantage from UHC PA-0010 (PPO)UnitedHealthcare · PPO · H2406-071-0 | $0 | $685 | $7,150 | 4.0★ |
| AARP Medicare Advantage Patriot No Rx PA-MA01 (HMO-POS)UnitedHealthcare · HMO-POS · H5253-152-0 | $0 | no drugs | $7,150 | 3.5★ |
| Aetna Medicare Advantra Eagle (HMO-POS)Aetna Medicare · HMO-POS · H3959-094-0 | $0 | no drugs | $7,150 | 3.5★ |
| Aetna Medicare Signature Extra (PPO)Aetna Medicare · PPO · H5521-263-0 | $0 | $700 | $7,150 | 4.0★ |
| Keystone 65 Focus Rx (HMO-POS)Independence Blue Cross · HMO-POS · H3952-053-0 | $0 | $700 | $7,150 | 4.0★ |
| Keystone 65 Liberty Medical Only (HMO)Independence Blue Cross · HMO · H3952-059-0 | $0 | no drugs | $7,150 | 4.0★ |
| Humana USAA Honor Giveback with Rx (PPO)Humana · PPO · H5525-059-0 | $0 | $700 | $7,350 | 4.0★ |
| Aetna Medicare Advantra Prime Plus (HMO-POS)Aetna Medicare · HMO-POS · H3959-053-0 | $0 | $400 | $7,500 | 3.5★ |
| DEVOTED CORE 023 PA (HMO)Devoted Health · HMO · H6852-023-0 | $0 | $650 | $7,500 | 3.5★ |
| Jefferson Health Plans Complete (HMO)Jefferson Health Plans · HMO · H9207-012-0 | $0 | $0 | $7,500 | 3.0★ |
| HealthSpring Preferred (HMO)HealthSpring · HMO · H3949-052-0 | $0 | $500 | $7,700 | 3.0★ |
| Humana Value Choice (PPO)Humana · PPO · H5525-051-2 | $0 | $700 | $7,750 | 4.0★ |
| Jefferson Health Plans Flex (PPO)Jefferson Health Plans · PPO · H1619-001-0 | $0 | $0 | $8,000 | 3.0★ |
| Humana Total Complete (HMO)Humana · HMO · H6622-037-0 | $0 | $700 | $8,200 | 4.0★ |
| Humana Essentials Plus Giveback (PPO)Humana · PPO · H5525-085-2 | $0 | $700 | $8,250 | 4.0★ |
| DEVOTED GIVEBACK EXTRAS 036 PA (HMO)Devoted Health · HMO · H6852-036-0 | $0 | $700 | $8,400 | 3.5★ |
| HealthSpring Preferred PA (HMO)HealthSpring · HMO · H3949-031-0 | $0 | $400 | $8,700 | 3.0★ |
| AARP Medicare Advantage Giveback from UHC PA-12 (PPO)UnitedHealthcare · PPO · H2406-101-0 | $0 | $685 | $9,200 | 4.0★ |
| HealthSpring Preferred Savings (HMO)HealthSpring · HMO · H3949-053-0 | $0 | $300 | $9,250 | 3.0★ |
| Aetna Medicare Advantra Signature (HMO-POS)Aetna Medicare · HMO-POS · H3959-052-0 | $0 | $400 | $9,850 | 3.5★ |
| Aetna Medicare Advantra Signature Giveback (PPO)Aetna Medicare · PPO · H5522-017-0 | $0 | $700 | $9,850 | 4.5★ |
| Aetna Medicare Elite (PPO)Aetna Medicare · PPO · H5522-028-0 | $0 | $700 | $9,850 | 4.5★ |
| Clover Health Choice (PPO)Clover Health · PPO · H5141-038-0 | $0 | $0 | $9,850 | 5.0★ |
| Clover Health Valor (PPO)Clover Health · PPO · H5141-061-0 | $0 | no drugs | $9,850 | 4.0★ |
| DEVOTED CHOICE GIVEBACK 003 PA (PPO)Devoted Health · PPO · H6018-003-0 | $0 | $461 | $9,850 | 3.0★ |
| Jefferson Health Plans Giveback (HMO)Jefferson Health Plans · HMO · H9207-015-0 | $0 | $450 | $9,850 | 3.0★ |
| Keystone 65 Assured Rx (HMO)Independence Blue Cross · HMO · H3952-062-0 | $0 | $700 | $9,850 | 4.0★ |
| Personal Choice 65 Achieve Rx (PPO)Independence Blue Cross · PPO · H3909-020-0 | $0 | $700 | $9,850 | 4.0★ |
| UPMC for Life PPO Salute (PPO)UPMC for Life · PPO · H5533-016-2 | $0 | no drugs | $9,850 | 4.0★ |
| Wellcare Simple (HMO-POS)Wellcare · HMO-POS · H2915-003-0 | $0 | $700 | $9,850 | 3.5★ |
| HealthSpring True Choice (PPO)HealthSpring · PPO · H7849-151-0 · was $0 in 2026 | $9 | $700 | $7,900 | 3.0★ |
| Jefferson Health Plans Prime (HMO)Jefferson Health Plans · HMO · H9207-002-0 · was $32.70 in 2026 | $12.80 | $0 | $6,500 | 3.0★ |
| Keystone 65 Basic Rx (HMO)Independence Blue Cross · HMO · H3952-055-0 · was $0 in 2026 | $15 | $700 | $9,500 | 4.0★ |
| Keystone 65 Select Medical Only (HMO)Independence Blue Cross · HMO · H3952-048-0 | $20 | no drugs | $6,750 | 4.0★ |
| Geisinger Gold Value Rx (HMO)Geisinger Gold · HMO · H3954-163-0 · was $23 in 2026 | $29 | $0 | $9,000 | 4.0★ |
| HumanaChoice H5525-086 (PPO)Humana · PPO · H5525-086-2 · was $29 in 2026 | $38 | $700 | $6,050 | 4.0★ |
| HumanaChoice H5525-005 (PPO)Humana · PPO · H5525-005-0 · was $26 in 2026 | $39 | $700 | $8,300 | 4.0★ |
| Jefferson Health Plans Preferred (PPO)Jefferson Health Plans · PPO · H1619-004-0 | $40 | $0 | $6,500 | 3.0★ |
| Aetna Medicare Value Care (HMO-POS)Aetna Medicare · HMO-POS · H3959-033-0 · was $32.70 in 2026 | $43 | $700 | $9,850 | 3.5★ |
| HealthSpring Preferred Plus (HMO)HealthSpring · HMO · H3949-030-0 · was $31 in 2026 | $44 | $500 | $7,150 | 3.0★ |
| Keystone 65 Essential Rx (HMO-POS)Independence Blue Cross · HMO-POS · H3952-060-0 · was $31 in 2026 | $45 | $700 | $9,000 | 4.0★ |
| AARP Medicare Advantage from UHC PA-0008 (PPO)UnitedHealthcare · PPO · H2406-047-0 | $60 | $685 | $5,900 | 4.0★ |
| AARP Medicare Advantage from UHC PA-0001 (HMO-POS)UnitedHealthcare · HMO-POS · H5253-145-0 · was $49 in 2026 | $63 | $685 | $6,700 | 4.0★ |
| Keystone 65 Select Rx (HMO)Independence Blue Cross · HMO · H3952-049-0 · was $47 in 2026 | $67 | $0 | $6,750 | 4.0★ |
| HumanaChoice R0110-008 (Regional PPO)Humana · Regional PPO · R0110-008-0 · was $52 in 2026 | $75 | $700 | $7,150 | 3.5★ |
| AARP Medicare Advantage from UHC PA-0009 (PPO)UnitedHealthcare · PPO · H2406-048-0 · was $79 in 2026 | $81 | $685 | $7,150 | 4.0★ |
| Keystone 65 Preferred Medical Only (HMO)Independence Blue Cross · HMO · H3952-008-0 · was $111 in 2026 | $105 | no drugs | $4,450 | 4.0★ |
| HumanaChoice H5216-120 (PPO)Humana · PPO · H5216-120-0 · was $94 in 2026 | $107 | $700 | $7,600 | 4.0★ |
| Personal Choice 65 Medical Only (PPO)Independence Blue Cross · PPO · H3909-007-0 · was $119 in 2026 | $113 | no drugs | $5,950 | 3.5★ |
| Aetna Medicare Advantra Premier (PPO)Aetna Medicare · PPO · H5522-014-0 · was $106 in 2026 | $128 | $700 | $7,150 | 4.5★ |
| Complete Blue PPO Distinct (PPO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · PPO · H3916-062-0 · was $109 in 2026 | $137 | $700 | $6,750 | 4.5★ |
| Keystone 65 Preferred Rx (HMO)Independence Blue Cross · HMO · H3952-020-0 · was $188 in 2026 | $202 | $0 | $4,450 | 4.0★ |
| Personal Choice 65 Rx (PPO)Independence Blue Cross · PPO · H3909-001-0 · was $227 in 2026 | $242.50 | $0 | $5,950 | 4.0★ |
Compiled by Radif Partners from the CMS landscape file of September 2026 · all Pennsylvania counties and drug plans
Philadelphia County has 63 Medicare Advantage plans open to anyone with Parts A and B for 2027, against 66 in 2026, filed by 13 insurers, one of the most crowded fields in the Northeast. 29 drug-covering plans charge a $0 premium. The lowest in-network cap is $4,150, for HumanaChoice Giveback H5216-116 (PPO) at $0, and the median $7,150. The county has a five-star plan for 2027, Clover Health Choice (PPO), at $0, although its cap is $9,850. HMOs and PPOs are evenly split, 32 and 31. Independence Health Group, Inc. (12), Humana Inc. (11), UnitedHealth Group, Inc. (8), CVS Health Corporation (8) file the most plans. 9 2026 plan IDs are not filed again, among them two Jefferson Health Plans PPOs and an Independence Personal Choice plan, and 6 new ones appear. The county lists 35 special needs plans too.
A five-star plan with a high cap
A five-star rating opens a special enrollment period: anyone in Philadelphia can switch into Clover Health Choice (PPO) once between December 8 and November 30 of the plan year. Its cap of $9,850, though, is at the top of the scale. The rating measures quality of care and service, not cost; for someone expecting a costly year, a plan with a lower cap and four stars may cost less in the end.
Days left in the annual change period
Days left to change for 2027
38
| Last day | December 7, 2026 |
| New plan starts | January 1, 2027 |
Independence and the health systems
Independence Health Group, the parent of Independence Blue Cross, files 12 open plans. Jefferson Health's own plans are among the 2026 IDs missing for 2027 in the county, which matters to patients of Jefferson hospitals: check which remaining plans include them. Penn Medicine, Temple and the other systems contract plan by plan, so two plans of the same insurer can differ on whether your hospital is in network. The provider directory of each plan settles it.
Across the city line
Montgomery County lists 58 open plans and Delaware County 59. A move across City Avenue or Cobbs Creek changes the county, and with it the plan list, even when your doctors stay the same. The Pennsylvania page lists every county; Allegheny County covers Pittsburgh.
2026 plans not filed again here for 2027
These plan IDs were offered in Philadelphia County in 2026 and do not appear for the county in the 2027 file. A plan can be closed, moved out of the county or merged into another ID; the insurer must tell its members in the Annual Notice of Change sent by September 30.
- Jefferson Health Plans Flex Plus (PPO) (Jefferson Health Plans, H1619-002-0, insurer still present)
- Jefferson Health Plans Flex Pro (PPO) (Jefferson Health Plans, H1619-003-0, insurer still present)
- Wellcare Assist (HMO-POS) (Wellcare, H2915-011-0, insurer still present)
- Wellcare Patriot Giveback (HMO-POS) (Wellcare, H2915-013-0, insurer still present)
- Personal Choice 65 Plus Rx (PPO) (Independence Blue Cross, H3909-018-0, insurer still present)
- Aetna Medicare Premier (HMO-POS) (Aetna Medicare, H3931-004-0)
- Aetna Medicare Enhanced (PPO) (Aetna Medicare, H5521-122-0, insurer still present)
- DEVOTED CHOICE PREMIUM 002 PA (PPO) (Devoted Health, H6018-002-0, insurer still present)
- Humana Gold Choice H8145-163 (PFFS) (Humana, H8145-163-0)