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Alabama · 2027 plan year

Medicare Advantage HMO plans in Alabama

There are 59 Medicare Advantage HMO plans in Alabama from 6 carriers, averaging 3.71 out of 5 stars across the 59 plans CMS has rated. 69% of those with a published premium charge $0 a month (41 of 59); beyond the premium, what separates them is network, drug coverage and how much you could owe in a bad year.

59
HMO plans
6
Carriers
67
Counties covered
3.7
Average stars
$7,150
Median out-of-pocket max

Across the 59 HMO plans in Alabama that publish one, the in-network out-of-pocket maximum has a median of $7,150 and tops out at $9,850 — the ceiling on what you pay in a year for covered in-network care. The mean is $7,426, which sits above the median — the spread is not symmetric, so the median is the better guide.

A $0 plan premium is not a free plan. You still pay your Part B premium to Medicare, plus copays and coinsurance as you use care. Star ratings are published by CMS per contract, so every plan a carrier files under the same contract shares one rating — it describes the carrier’s performance, not this specific plan’s benefits. Estimate your real costs.

44% of Alabama's HMO plans are Special Needs Plans.

26 of 59 plans here are SNPs — restricted to people who also have Medicaid, live in an institution, or have a qualifying chronic condition. If none of those apply to you the field is smaller than the headline count suggests, so filter them out before comparing.

Alabama HMO plans rank 27th of 49 on star rating.

Across the 59 rated plans here the average overall rating is 3.71 stars, 27th highest of the 49 states with HMO plans. Ratings apply to the contract, so every plan a carrier files under one contract shares the same score.

Not sure whether Medicare Advantage suits you at all? Medicare Advantage vs Original Medicare covers the trade in plain language.

Highest rated

Top-rated HMO plans in Alabama

PlanStarsOut-of-pocket maxPremium / mo
Humana Gold Plus H4461-073 (HMO)Humana4.5★$1,900$146
Humana USAA Honor Giveback (HMO)Humana4.5★$4,150$0
Humana Gold Plus H4461-079 (HMO)Humana4.5★$4,900$36
Humana Gold Plus H4461-078 (HMO)Humana4.5★$6,360$0
Humana Dual QMB Only (HMO D-SNP)Humana · Dual-Eligible SNP4.5★$9,850$0

Showing 5 of 59. See all AlabamaMedicare Advantage plans →

Who sells here

HMO plans by carrier

CarrierPlansAvg starsSNPs
HealthSpringHealth Care Service Corporation173.56
UnitedHealthcareUnitedHealth Group, Inc.133.56
HumanaHumana Inc.94.44
VIVA MedicareTriton Health Systems, L.L.C.94.03
Devoted HealthDevoted Health, Inc.63.54
Aetna MedicareCVS Health Corporation53.53
Other plan types in Alabama

How HMO compares

HMO
3.7★ avg · 6 carriers
59 plans · you are here
PPO
4.0★ avg · 7 carriers
54 plans

All AlabamaMedicare Advantage plans →

Nearby on quality

States with similar HMO star ratings

Maine
3.72★ average
30 HMO plans
West Virginia
3.71★ average
24 HMO plans
Illinois
3.70★ average
68 HMO plans
Common questions

Alabama Medicare Advantage HMO plans, answered

How much do Medicare Advantage HMO plans cost in Alabama?
Of the Alabama HMO plans with a published premium, 69% charge $0 a month. The monthly premium is what you pay the plan for its medical (Part C) and drug (Part D) coverage together. A $0 premium does not mean the plan is free: you still pay your Part B premium to Medicare, plus copays and coinsurance as you use care. The number that actually caps a bad year is the in-network out-of-pocket maximum, with a median of $7,150 across these plans.
What are the star ratings for Alabama HMO plans?
The 59 rated HMO plans in Alabama average 3.71 out of 5 stars, with 18 rating 4 or better. CMS rates a contract rather than an individual plan, so every plan a carrier files under the same contract shares one score. A contract that is too new or has too little data is not rated at all, which is different from rating badly.
How many Medicare Advantage HMO plans are available in Alabama?
There are 59 HMO plans from 6 carriers, sold across 67 counties. Availability is set by county, so the plans you can actually join depend on where you live — the full list is rarely available in any one place. 26 of them are Special Needs Plans with extra eligibility rules (see below).
Do Alabama HMO plans include prescription drug coverage?
54 of the 59 HMO plans here bundle Part D drug coverage into the plan. That is the usual arrangement for Medicare Advantage, and you pay one monthly premium to the plan — but that premium has a medical (Part C) part and a drug (Part D) part, and the drug part is often what makes it more than $0. Each plan's page shows both. If you join a Medicare Advantage plan without drug coverage, you generally cannot add a standalone Part D plan alongside it.
What is a Special Needs Plan, and are there any in Alabama?
26 of the 59 HMO plans in Alabama are Special Needs Plans. SNPs limit enrollment to people who also have Medicaid, live in a nursing home or similar institution, or have a qualifying chronic condition. They often carry richer benefits for that group, but if you do not meet the criteria you cannot join one — so the real number of plans open to you may be lower than the total.

A $0 premium is not the whole cost.
See what a year really looks like.

Simplivera models your actual annual costs across Alabama Medicare Advantage plans.

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