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Medicare Advantage plans in Franklin County, MO for 2027
69 Medicare Advantage plans from 9 companies are available in Franklin County for 2027. Plans with a $0 monthly premium (not counting special needs plans): 31. Lowest in-network out-of-pocket limit: $2,850.
Open enrollment for 2027 runs October 15 – December 7, 2026; coverage starts January 1, 2027.
Plans with drug coverage (33)
| Plan | Type | Monthly premium | Drug deductible | Out-of-pocket limit (in network) | Last year's star rating |
|---|---|---|---|---|---|
| Humana Total Complete (HMO) Humana | HMO | $0 | $700 | $2,850 | 4 |
| Humana Total Complete (HMO) Humana | HMO | $0 | $700 | $2,850 | 3.5 |
| DEVOTED CORE 001 MO (HMO) Devoted Health | HMO | $0 | $650 | $3,100 | — |
| Aetna Medicare Signature (HMO-POS) Aetna Medicare | HMO-POS | $0 | $500 | $3,400 | 4 |
| Essence Advantage (HMO) Essence Healthcare | HMO | $0 | $0 | $3,400 | 4.5 |
| AARP Medicare Advantage from UHC ST-1P (HMO-POS) UnitedHealthcare | HMO-POS | $0 | $685 | $4,100 | 4 |
| Humana Essentials Plus Giveback (HMO) Humana | HMO | $0 | $700 | $4,200 | 3.5 |
| Humana Essentials Plus Giveback (HMO) Humana | HMO | $0 | $700 | $4,200 | 4 |
| Humana Value Choice (PPO) Humana | PPO | $0 | $700 | $4,400 | 4.5 |
| AARP Medicare Advantage Essentials from UHC ST-3 (HMO-POS) UnitedHealthcare | HMO-POS | $0 | $685 | $4,450 | 4 |
| Anthem Medicare Advantage (HMO-POS) Anthem HealthKeepers | HMO-POS | $0 | $210 | $4,450 | 3.5 |
| Essence Advantage Select (HMO) Essence Healthcare | HMO | $0 | $450 | $4,450 | 4.5 |
| Humana Value Choice (PPO) Humana | PPO | $0 | $700 | $4,450 | 3.5 |
| Aetna Medicare Elite (PPO) Aetna Medicare | PPO | $0 | $700 | $4,900 | 4.5 |
| Aetna Medicare Elite Classic Extra (PPO) Aetna Medicare | PPO | $0 | $700 | $4,900 | 4 |
| DEVOTED GIVEBACK EXTRAS 028 MO (HMO) Devoted Health | HMO | $0 | $700 | $5,100 | — |
| Aetna Medicare Value Plus (HMO-POS) Aetna Medicare | HMO-POS | $0 | $400 | $5,500 | 4 |
| Aetna Medicare Elite Classic (PPO) Aetna Medicare | PPO | $0 | $700 | $5,900 | 4 |
| Humana Full Access (PPO) Humana | PPO | $0 | $500 | $6,350 | 3.5 |
| Humana Full Access (PPO) Humana | PPO | $0 | $500 | $6,600 | 4.5 |
| Wellcare Simple (HMO-POS) Wellcare | HMO-POS | $0 | $700 | $7,100 | 3 |
| Wellcare Simple Open (PPO) Wellcare | PPO | $0 | $700 | $7,100 | 3 |
| AARP Medicare Advantage CareFlex from UHC ST-6 (HMO-POS) UnitedHealthcare | HMO-POS | $0 | $685 | $7,150 | 4 |
| DEVOTED GIVEBACK 002 MO (HMO) Devoted Health | HMO | $0 | $461 | $7,150 | — |
| AARP Medicare Advantage Extras from UHC ST-4 (HMO-POS) UnitedHealthcare | HMO-POS | $19 | $685 | $4,450 | 4 |
| Essence Advantage Choice (PPO) Essence Healthcare | PPO | $40 | $700 | $9,850 | 3.5 |
| AARP Medicare Advantage from UHC ST-0001 (PPO) UnitedHealthcare | PPO | $58 | $685 | $7,150 | 4 |
| Essence Advantage Plus (HMO) Essence Healthcare | HMO | $59 | $450 | $2,900 | 4.5 |
| Aetna Medicare Enhanced Extra (HMO-POS) Aetna Medicare | HMO-POS | $59 | $700 | $5,900 | 4 |
| Aetna Medicare Enhanced (PPO) Aetna Medicare | PPO | $70 | $700 | $7,500 | 4.5 |
| Aetna Medicare Enhanced Classic (PPO) Aetna Medicare | PPO | $70 | $700 | $7,500 | 4 |
| HumanaChoice R1532-002 (Regional PPO) Humana | Regional PPO | $119 | $700 | $7,700 | 2.5 |
| Essence Advantage Premier Plus (PPO) Essence Healthcare | PPO | $264 | $700 | $2,900 | 3.5 |
Plans without drug coverage (7)
| Plan | Type | Monthly premium | Out-of-pocket limit (in network) | Last year's star rating |
|---|---|---|---|---|
| Wellcare Patriot Giveback Open (PPO) Wellcare | PPO | $0 | $4,000 | 3 |
| Humana USAA Honor Giveback (PPO) Humana | PPO | $0 | $4,700 | 3.5 |
| Humana USAA Honor Giveback (PPO) Humana | PPO | $0 | $4,700 | 4.5 |
| Aetna Medicare Eagle (HMO-POS) Aetna Medicare | HMO-POS | $0 | $4,900 | 4 |
| Humana USAA Honor Giveback (Regional PPO) Humana | Regional PPO | $0 | $5,500 | 2.5 |
| AARP Medicare Advantage Patriot No Rx MO-MA01 (HMO-POS) UnitedHealthcare | HMO-POS | $0 | $5,900 | 4 |
| Anthem Veteran (PPO) Anthem Blue Cross and Blue Shield | PPO | $0 | $6,751 | 3.5 |
Special needs plans (29)
Special needs plans are only for people who also have Medicaid (D-SNP), certain chronic conditions (C-SNP) or who live in an institution such as a nursing home (I-SNP).
| Plan | Type | Monthly premium | Drug deductible | Out-of-pocket limit (in network) | Last year's star rating |
|---|---|---|---|---|---|
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) Humana | HMO C-SNP | $0 | $500 | $2,700 | 3.5 |
| DEVOTED DUAL 008 MO (HMO D-SNP) Devoted Health | HMO D-SNP | $0 | $700 | $3,600 | — |
| Provider Partners Missouri Community Plan (HMO I-SNP) Provider Partners Health Plans | HMO I-SNP | $0 | $700 | $3,750 | 4.5 |
| DEVOTED C-SNP ENHANCED 015 MO (HMO C-SNP) Devoted Health | HMO C-SNP | $0 | $461 | $3,900 | — |
| UHC Dual Advantage MO-V1 (HMO-POS D-SNP) UnitedHealthcare | HMO-POS D-SNP | $0 | $700 | $4,450 | 4 |
| UHC Complete Care MO-1 (PPO C-SNP) UnitedHealthcare | PPO C-SNP | $0 | $595 | $4,900 | 4.5 |
| DEVOTED C-SNP GIVEBACK EXTRAS 029 MO (HMO C-SNP) Devoted Health | HMO C-SNP | $0 | $700 | $5,100 | — |
| Aetna Medicare Chronic Care (HMO C-SNP) Aetna Medicare | HMO C-SNP | $0 | $700 | $7,150 | 4 |
| Aetna Medicare Dual (HMO D-SNP) Aetna Medicare | HMO D-SNP | $0 | $700 | $9,850 | 3.5 |
| Aetna Medicare Full Dual (HMO D-SNP) Aetna Medicare | HMO D-SNP | $0 | $700 | $9,850 | 3.5 |
| Aetna Medicare Longevity (HMO I-SNP) Aetna Medicare | HMO I-SNP | $0 | $700 | $9,850 | 4 |
| Anthem Full Dual Advantage (HMO D-SNP) Anthem HealthKeepers | HMO D-SNP | $0 | $290 | $9,850 | 3.5 |
| Anthem Full Dual Advantage 2 (HMO D-SNP) Anthem HealthKeepers | HMO D-SNP | $0 | $170 | $9,850 | 3.5 |
| DEVOTED C-SNP PLUS 016 MO (HMO C-SNP) Devoted Health | HMO C-SNP | $0 | $461 | $9,850 | — |
| DEVOTED DUAL FULL 011 MO (HMO D-SNP) Devoted Health | HMO D-SNP | $0 | $700 | $9,850 | — |
| DEVOTED DUAL PLUS 007 MO (HMO D-SNP) Devoted Health | HMO D-SNP | $0 | $700 | $9,850 | — |
| HumanaChoice SNP-DE H5216-164 (PPO D-SNP) Humana | PPO D-SNP | $0 | $200 | $9,850 | 3.5 |
| HumanaChoice SNP-DE H7617-006 (PPO D-SNP) Humana | PPO D-SNP | $0 | $350 | $9,850 | 4.5 |
| Wellcare Home State Health Dual Access (HMO-POS D-SNP) Wellcare | HMO-POS D-SNP | $0 | $700 | $9,850 | 3 |
| Wellcare Home State Health Dual Access Open (PPO D-SNP) Wellcare | PPO D-SNP | $0 | $700 | $9,850 | 3 |
| Aetna Medicare Full Dual Extra (HMO D-SNP) Aetna Medicare | HMO D-SNP | $1.80 | $700 | $9,850 | 4 |
| UHC Dual Complete MO-Q1 (HMO-POS D-SNP) UnitedHealthcare | HMO-POS D-SNP | $2.60 | $700 | $9,850 | 4 |
| UHC Dual Complete MO-S3 (HMO-POS D-SNP) UnitedHealthcare | HMO-POS D-SNP | $8.90 | $700 | $9,850 | 4 |
| Provider Partners Missouri Essential Plan (HMO I-SNP) Provider Partners Health Plans | HMO I-SNP | $14.50 | $700 | $9,850 | 4.5 |
| Wellcare Home State Health Dual Reserve (HMO-POS D-SNP) Wellcare | HMO-POS D-SNP | $18.40 | $700 | $3,600 | 3 |
| American Health Advantage of Missouri (HMO I-SNP) American Health Advantage of Missouri | HMO I-SNP | $18.40 | $700 | $9,850 | — |
| American Health Advantage of Missouri Choice (HMO I-SNP) American Health Advantage of Missouri | HMO I-SNP | $18.40 | $700 | $9,850 | — |
| Provider Partners Missouri Advantage Plan (HMO I-SNP) Provider Partners Health Plans | HMO I-SNP | $18.40 | $700 | $9,850 | 4.5 |
| UHC Dual Complete MO-Q2 (PPO D-SNP) UnitedHealthcare | PPO D-SNP | $18.40 | $700 | $9,850 | 4.5 |
Stand-alone Part D drug plans in Missouri →
Star ratings for 2027 are published by CMS in October; the stars shown are the contract's 2026 overall rating. We are not connected with or endorsed by the U.S. government or the federal Medicare program, and we do not sell plans. We do not list plan benefits in full; confirm costs and coverage with the plan, Medicare.gov or 1-800-MEDICARE (TTY 1-877-486-2048) before you enroll. Source: CMS Medicare Advantage and Part D Landscape, 2027 (2026-09 release).