Medicare Advantage Plans 2026
As we look towards the
Key Takeaways
- Explore Upcoming Changes: Stay updated on potential new developments and modifications in Medicare Advantage plans
for 2026 .
- Understand Cost Adjustments: Gain insights into possible changes in premiums, copays, and other out-of-pocket costs.
- Enrollment Periods Explained: Learn about key enrollment periods, including the Annual Enrollment Period (AEP), Initial Enrollment Period (IEP), and Special Enrollment Periods (SEPs), to make decisions about your coverage.
Stay proactive to ensure your healthcare plan aligns with your needs in the evolving Medicare landscape
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Overview of Medicare Advantage Plans for 2026
Looking ahead to
A significant change stems from the implementation of the Inflation Reduction Act, which reshapes annual out-of-pocket costs for Medicare Part D recipients.
Stay informed about these developments to make the most of your Medicare benefits
Elimination of the Coverage Gap
In past years, a significant change has been made to Medicare Part D: the elimination of the coverage gap phase, commonly known as the “donut hole.” Previously, beneficiaries who spent a specific amount on covered prescriptions entered this phase, resulting in higher out-of-pocket costs. The new adjustment ensures a more affordable experience for Part D enrollees, reducing financial burdens for seniors.
Expanded Coverage Areas for 2026
It’s not known at this time whether Medicare Advantage plans
- Aetna: The company has recently provided expanded coverage across 46 states and Washington, D.C., with 255 county options. This expansion brings Medicare Advantage to approximately 2.2 million additional beneficiaries, extending access to over 2,269 counties.
- UnitedHealthcare: The provider has recently grown its coverage area by adding 110 more counties, now serving 96% of eligible areas nationwide.
- Wellcare: With a focus on reaching more Medicare-eligible adults, Wellcare has recently served 48 million individuals nationwide, offering enhanced plan options with potentially expanded benefits.
These expansions ensure that beneficiaries have more choices to find plans tailored to their specific healthcare needs.
New Benefits
Although the rates and changes for Medicare Advantage plans
- Lower Prescription Drug Costs: Reduced copays for Medicare Part D medications.
- Additional Coverage Options: Expanded dental, vision, and hearing benefits that exceed the offerings of Original Medicare.
Stay tuned and refer back to this website for updates as Medicare providers unveil finalized
Possible Additional Benefits
Leading Medicare Advantage providers have focused on enhancing their offerings to better serve their members. Over the years, these improvements have included a range of supplemental benefits designed to meet the needs of beneficiaries. Some of the most notable features have been:
- Dental Coverage: Expanded dental benefits to address more oral health needs.
- Vision Services: Enhanced coverage to support beneficiaries’ visual health, including eye exams and eyewear.
- Hearing Benefits: Discounts on hearing aids and exams.
When
Member Experience
Medicare Advantage providers have also prioritized innovative solutions to enrich the member experience. Previous enhancements include:
- Digital Health Education: Resources to help members understand and utilize telehealth services effectively.
- Online Hubs: Centralized platforms showcasing plan options and benefits, simplifying decision-making for beneficiaries.
- Comprehensive Plan Comparisons: A wider selection of plans from trusted providers, enabling seniors to compare and choose the best fit.
- Virtual Healthcare Visits: Access to healthcare services from the comfort of home.
- Reduced Cost-Sharing: Efforts to lower out-of-pocket expenses, making coverage more affordable for members.
- Additional Supplemental Benefits: Expanded offerings, including dental, vision, hearing, and prescription drug coverage, to enhance overall care.
Best Medicare Advantage Plans for 2026
Selecting the right Medicare Advantage plan depends on each individual’s unique healthcare needs. While there isn’t a single “best” plan for everyone, several well-known providers stand out for their quality and reliability. Top providers from recent years include:
- UnitedHealthcare
- Cigna
- Humana
- Anthem
- Wellcare
- Aetna
- Blue Cross Blue Shield
When the data has been released
These trusted companies have consistently expanded their coverage areas and enhanced their offerings to better serve Medicare beneficiaries. By using the Plan Finder tool on this website once the
UnitedHealthcare Medicare Advantage Plans 2026
UnitedHealthcare is a leader in Medicare Advantage, covering a significant portion of Medicare-eligible seniors.
- Coverage for 96% of Medicare beneficiaries
- Enhanced benefits aimed at delivering comprehensive healthcare services.
Humana Medicare Advantage Plans 2026
Humana offers a range of plan types, including Health Maintenance Organizations (HMOs) and Preferred Provider Organizations (PPOs), providing flexibility for seniors. Key features may include:
- Availability in 49 states, Washington, D.C., and Puerto Rico.
- Dual Eligible Special Needs Plans (D-SNPs)for those eligible for both Medicare and Medicaid.
Aetna Medicare Advantage Plans 2026
In recent years Aetna has continued to expand its reach, offering Medicare Advantage plans that combine coverage for Parts A and B with supplemental benefits. Their expansion includes:
- Coverage in 46 states and Washington, D.C.
- Expansion to 255 new counties, totaling 2,269 counties
- Additional benefits like dental, vision, and hearing care, plus prescription drug coverage.
- The Aetna Medicare Payment Card for seamless in-network copayments.
Wellcare Medicare Advantage Plans 2026
Wellcare integrates Original Medicare (Parts A and B) with supplemental benefits to provide robust, affordable coverage. Features to look for
- Focus on affordability and low monthly premiums.
- Comprehensive options, including telehealth services and preventive care.
- Additional benefits like dental, vision, and hearing coverage for qualifying members.
Navigating the Medicare Advantage Market in 2026
To make the most of your Medicare Advantage plan
Understanding Premiums and Cost-Sharing:
Monthly premiums for Medicare Advantage plans vary based on individual needs and factors like the insurer and the coverage provided. Here’s a breakdown of the cost-sharing elements expected
- Premiums: The monthly payment you make to maintain your plan.
- Deductibles: The amount you must pay out of pocket before your plan begins to cover services.
- Copayments: Fixed fees for specific services, such as doctor visits or prescription medications.
- Coinsurance: A percentage of the cost for healthcare services that you must pay after meeting your deductible.
Each Medicare Advantage plan has its own cost-sharing structure. By thoroughly reviewing plan details, beneficiaries can make educated decisions that align with their financial and healthcare needs.
Star Ratings:
The Centers for Medicare & Medicaid Services (CMS) rates Medicare Advantage plans annually based on several criteria, including quality of care, customer service, and member satisfaction. Here’s what you need to know:
- Ratings range from 1 to 5 stars, with 5 stars indicating the highest quality.
- Updated star ratings are released every October, making it important to compare plans based on the most recent data.
- Higher-rated plans often offer better benefits and services, helping you select a plan that aligns with your healthcare priorities.
Stay informed about star ratings by visiting this website and using the plan comparison tool to find options tailored to your zip code.
Enrollment Periods:
Understanding Medicare Advantage enrollment periods is critical for securing the right coverage. The two primary enrollment windows are:
- Initial Enrollment Period (IEP): Spanning seven months (three months before, the month of, and three months after you become eligible for Medicare), this period allows first-time enrollees to select a plan.
- Annual Enrollment Period (AEP): Held annually from October 15th to December 7th, this window lets beneficiaries adjust their plans, switch providers, or enroll in a new plan.
By understanding these enrollment periods, seniors can ensure they select a plan that meets their needs while taking advantage of the latest benefits.
Medicare Advantage Plan Benefit Eligibility in 2026
Ensuring your eligibility for a Medicare Advantage plan
- Review Plan Guidelines: Each Medicare Advantage plan has specific eligibility criteria. Confirming you meet these requirements ensures you can enroll and take advantage of the coverage offered.
- Use Trusted Resources: Access official tools and publications from the Centers for Medicare & Medicaid Services (CMS), such as their website, fact sheets, and the Medicare and Youguide, to confirm your eligibility and explore plan options.
- Provider-Specific Support: Insurance companies like UnitedHealthcare, Humana, and Blue Cross Blue Shield offer resources to help you navigate Medicare Advantage plans
for 2026 , ensuring you find a plan tailored to your needs.
Utilizing Extra Benefits:
Medicare Advantage plans
- Dental, Vision, and Hearing Coverage: Expanded access to preventive care and treatments beyond Original Medicare.
- Prescription Drug Benefits: Comprehensive Part D coverage to help manage medication costs.
To make the most of these extra benefits:
- Learn to Utilize Them Efficiently: Understand how to access and use supplemental benefits effectively, maximizing the value of your plan.
- Stay Informed About Changes: Regularly monitor updates throughout
2026 to adapt to new offerings or changes in coverage.
Understanding Coverage Limitations
Staying informed about coverage limitations and provider networks is essential for getting the most value from your Medicare Advantage plan
- Provider Networks: Being aware of whether your Medicare Advantage plan includes a provider network is crucial. These networks determine which doctors, hospitals, and specialists are covered, helping you manage costs by choosing in-network providers.
- Service Limitations: Some plans may have restrictions on specific services or treatments. Understanding these limitations ensures you’re not caught off guard when accessing care
in 2026 . - Potential Premium Changes: While premiums for Medicare Advantage plans may increase
in 2026 , not all beneficiaries will experience higher costs. Factors like plan type and coverage area may influence these changes.
By understanding premium structures, provider networks, and service restrictions, beneficiaries can make well-informed decisions to select a plan that aligns with their healthcare needs and budget. Staying proactive will help you optimize your Medicare Advantage coverage
Summary
Navigating the evolving Medicare market
Frequently Asked Questions
→ What is the 2026 Medicare Part B Premium?
The monthly premium for Medicare Part B
→ What Changes Can Be Expected for Medicare Advantage Plans in 2026 ?
Changes may include adjustments to average monthly premiums, modifications in coverage, and updates to Part D prescription drug benefits. Please check back on this website for updated information.
→ When is the 2026 Medicare Advantage Annual Enrollment Period (AEP)?
The Medicare AEP, or Open Enrollment Period, runs annually from October 15th to December 7th. During this time, you can make changes to your Medicare Advantage plan.
→ Can I Enroll in a Medicare Advantage Plan in 2026 If I Have End-Stage Renal Disease (ESRD)?
Yes, individuals with ESRD can typically enroll in Medicare Advantage plans, though some restrictions may apply.
→ What’s the Difference Between the Initial Enrollment Period (IEP) and the Medicare Advantage Open Enrollment Period (OEP) in 2026 ?
Initial Enrollment Period (IEP): This seven-month window starts three months before, includes the month of, and extends three months after your 65th birthday, allowing new beneficiaries to enroll.
Open Enrollment Period (OEP): From January 1st to March 31st, existing Medicare Advantage members can switch plans or return to Original Medicare.
→ Can I Switch from Medicare Advantage to a Medicare Supplement (Medigap) Plan in 2026 ?
Yes, switching is possible, but it’s best to do so during specific enrollment periods to avoid medical underwriting. A guaranteed issue right may allow you to enroll in a Medigap plan without underwriting.
→ What is the Medicare Advantage Special Enrollment Period (SEP) in 2026 ?
The SEP allows you to enroll in, switch, or leave a Medicare Advantage plan outside the usual enrollment periods. SEPs are triggered by qualifying life events, such as:
- Moving to a new service area
- Losing employer-sponsored coverage
- Getting married
Medicare Advantage Plan Companies
Aetna
Alignment
Anthem
Banner
BCBS
Cambia
CarePlus
Centene
Cigna
Clover
Devoted
Elevance
Emblem
Excellus
Florida Blue
Geisinger Gold
HealthPartners
HealthSpring
Highmark
HMSA
Humana
IBX
Independent Health
Independent Blue Cross
Kaiser Permanente
Martins Point
Medica
Molina
MVP
Network Health
PacificSource
Point32Health
Premera
Presbyterian
Priority Health
Providence
Quartz
Regence
SelectHealth
Sharp
Tufts
UCLA
UnitedHealthCare
UPMC
ZRN Health & Financial Services, LLC, a Texas limited liability company
Russell Noga is the CEO of ZRN Health & Financial Services, and head content editor of several Medicare insurance online publications. He has over 15 years of experience as a licensed Medicare insurance broker helping Medicare beneficiaries learn about Medicare, Medicare Advantage Plans, Medigap insurance, and Medicare Part D prescription drug plans.