2027 plan year · Missouri
2027 Medicare Advantage plans in Howard County, MO
33 plans from 5 insurers for 2027. 13 general plans have a $0 monthly premium. The lowest in-network out-of-pocket limit is $4,400.
- 18general plans
- 13$0-premium plans
- $4,400lowest out-of-pocket max
- 4.5 ★top star rating
- 15Special Needs Plans
2027 Medicare Advantage plans in Howard County, MO
Sorted by Medicare star rating, then monthly premium and out-of-pocket limit. Premiums shown are the plan's own premium; you also keep paying your Part B premium.
| Plan | Monthly premium | Out-of-pocket max | Drug deductible | Star rating |
|---|---|---|---|---|
| Humana Value Choice (PPO) Humana · PPO · includes drug coverage | $0 | $4,400 | $700 | ★★★★★4.5 |
| Humana USAA Honor Giveback (PPO) Humana · PPO · no drug coverage | $0 | $4,700 | — | ★★★★★4.5 |
| Humana Value Choice (PPO) Humana · PPO · includes drug coverage | $0 | $4,450 | $700 | ★★★★★4 |
| Humana USAA Honor Giveback (PPO) Humana · PPO · no drug coverage | $0 | $4,700 | — | ★★★★★4 |
| Aetna Medicare Elite Classic Extra (PPO) Aetna Medicare · PPO · includes drug coverage | $0 | $4,900 | $700 | ★★★★★4 |
| Aetna Medicare Elite (PPO) Aetna Medicare · PPO · includes drug coverage | $0 | $4,900 | $700 | ★★★★★4 |
| Aetna Medicare Elite Classic (PPO) Aetna Medicare · PPO · includes drug coverage | $0 | $5,900 | $700 | ★★★★★4 |
| Aetna Medicare Enhanced Classic (PPO) Aetna Medicare · PPO · includes drug coverage | $70 | $7,500 | $700 | ★★★★★4 |
| Aetna Medicare Enhanced (PPO) Aetna Medicare · PPO · includes drug coverage | $70 | $7,500 | $700 | ★★★★★4 |
| HumanaChoice H5216-032 (PPO) Humana · PPO · includes drug coverage | $76 | $9,250 | $700 | ★★★★★4 |
| Aetna Medicare Eagle (HMO-POS) Aetna Medicare · HMO-POS · no drug coverage | $0 | $4,900 | — | ★★★★★3.5 |
| Aetna Medicare Signature (HMO-POS) Aetna Medicare · HMO-POS · includes drug coverage | $0 | $5,500 | $700 | ★★★★★3.5 |
| Aetna Medicare Value Plus (HMO-POS) Aetna Medicare · HMO-POS · includes drug coverage | $0 | $5,500 | $400 | ★★★★★3.5 |
| Humana USAA Honor Giveback (Regional PPO) Humana · Regional PPO · no drug coverage | $0 | $5,500 | — | ★★★★★3.5 |
| AARP Medicare Advantage Patriot No Rx MO-MA01 (HMO-POS) UnitedHealthcare · HMO-POS · no drug coverage | $0 | $5,900 | — | ★★★★★3.5 |
| AARP Medicare Advantage from UHC MO-0006 (HMO-POS) UnitedHealthcare · HMO-POS · includes drug coverage | $0 | $7,150 | $685 | ★★★★★3.5 |
| Aetna Medicare Enhanced Extra (HMO-POS) Aetna Medicare · HMO-POS · includes drug coverage | $59 | $5,900 | $700 | ★★★★★3.5 |
| HumanaChoice R1532-002 (Regional PPO) Humana · Regional PPO · includes drug coverage | $119 | $7,700 | $700 | ★★★★★3.5 |
Special Needs Plans (SNPs)
Only for people who qualify: Dual-Eligible plans need both Medicare and Medicaid, Chronic Condition plans need a qualifying condition, and Institutional plans are for nursing home residents.
| Plan | Monthly premium | Out-of-pocket max | Drug deductible | Star rating |
|---|---|---|---|---|
| UHC Complete Care MO-1 (PPO C-SNP) UnitedHealthcare · PPO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $4,900 | $595 | ★★★★★4.5 |
| HumanaChoice SNP-DE H7617-006 (PPO D-SNP) Humana · PPO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $350 | ★★★★★4.5 |
| UHC Dual Complete MO-Q2 (PPO D-SNP) UnitedHealthcare · PPO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $18.40 | $9,850 | $700 | ★★★★★4.5 |
| Provider Partners Missouri Community Plan (HMO I-SNP) Provider Partners Health Plans · HMO I-SNP (Special Needs: Institutional) · includes drug coverage | $0 | $3,750 | $700 | ★★★★★4 |
| HumanaChoice SNP-DE H5216-164 (PPO D-SNP) Humana · PPO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $200 | ★★★★★4 |
| Provider Partners Missouri Essential Plan (HMO I-SNP) Provider Partners Health Plans · HMO I-SNP (Special Needs: Institutional) · includes drug coverage | $14.50 | $9,850 | $700 | ★★★★★4 |
| Provider Partners Missouri Advantage Plan (HMO I-SNP) Provider Partners Health Plans · HMO I-SNP (Special Needs: Institutional) · includes drug coverage | $18.40 | $9,850 | $700 | ★★★★★4 |
| UHC Dual Advantage MO-V1 (HMO-POS D-SNP) UnitedHealthcare · HMO-POS D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $7,150 | $700 | ★★★★★3.5 |
| Aetna Medicare Full Dual Extra (HMO D-SNP) Aetna Medicare · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★3.5 |
| UHC Dual Complete MO-Q1 (HMO-POS D-SNP) UnitedHealthcare · HMO-POS D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $2.60 | $9,850 | $700 | ★★★★★3.5 |
| UHC Dual Complete MO-S3 (HMO-POS D-SNP) UnitedHealthcare · HMO-POS D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $8.90 | $9,850 | $700 | ★★★★★3.5 |
| Aetna Medicare Dual (HMO D-SNP) Aetna Medicare · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★3 |
| Aetna Medicare Full Dual (HMO D-SNP) Aetna Medicare · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★3 |
| Anthem Full Dual Advantage 2 (HMO D-SNP) Anthem HealthKeepers · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $170 | ★★★★★3 |
| Anthem Full Dual Advantage (HMO D-SNP) Anthem HealthKeepers · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $290 | ★★★★★3 |
What changed from 2026 to 2027
- 7 plans are new here for 2027.
- 9 plans offered here in 2026 aren't listed for 2027 (for example UHC Dual Complete MO-V001 (HMO-POS D-SNP), UHC Dual Complete MO-S3 (HMO-POS D-SNP), AARP Medicare Advantage from UHC MO-0003 (HMO-POS)). If yours is one of them, the plan should send you a notice explaining your options.
- Of the 26 plans offered both years, 4 raised the monthly premium and 10 lowered it.
Compared by plan ID. Plans that were renamed or merged into another plan may appear as new or ended.
Care quality in Howard County
Medicare Advantage plans use networks. Before choosing, check that the hospitals and nursing homes you'd want are in the plan's network, and how they're rated.
Other coverage options
- Stand-alone Part D drug plans in Missouri (for people with Original Medicare)
- Marketplace health plans in Howard County (for people under 65 or not on Medicare)
- Medicare Advantage vs. Original Medicare
Frequently asked questions
How many Medicare Advantage plans are available in Howard County, MO for 2027?
33 plans from 5 insurers: 18 general plans open to anyone with Medicare Parts A and B who lives here, plus 15 Special Needs Plans for people who qualify.
Are there $0-premium Medicare Advantage plans in Howard County, MO?
Yes. 13 general plans have a $0 monthly plan premium for 2027. You still pay your Medicare Part B premium, and copays and coinsurance still apply.
What is the highest-rated Medicare Advantage plan in Howard County, MO?
Humana Value Choice (PPO) from Humana has the top Medicare star rating here (4.5 stars). Star ratings are given to the insurer's contract, so several plans can share one.
Which plan has the lowest out-of-pocket maximum in Howard County, MO?
Humana Value Choice (PPO) caps in-network out-of-pocket costs at $4,400 for 2027.