Arizona · 2026 plan year
Medicare Advantage HMO plans in Arizona
There are 130 Medicare Advantage HMO plans in Arizona from 17 carriers, averaging 3.72 out of 5 stars across the 123 plans CMS has rated. Nearly all charge no monthly plan premium, so what separates them is network, drug coverage and how much you could owe in a bad year.
130
HMO plans
17
Carriers
15
Counties covered
3.7
Avg stars (123 of 130 rated)
$5,645
Avg out-of-pocket max
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.
Arizona HMO plans rank 30th of 49 on star rating.
Across the 123 rated plans here the average overall rating is 3.72 stars, 30th 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 Arizona
| Plan | Stars | Out-of-pocket max | Premium / mo |
|---|---|---|---|
| SCAN Embrace (HMO-POS I-SNP)SCAN Health Plan · Institutional SNP | 4.5★ | $1,500 | $0 |
| SCAN Balance (HMO C-SNP)SCAN Health Plan · Chronic or Disabling Condition SNP | 4.5★ | $2,000 | $0 |
| SCAN Classic (HMO)SCAN Health Plan | 4.5★ | $2,000 | $0 |
| SCAN Strive (HMO C-SNP)SCAN Health Plan · Chronic or Disabling Condition SNP | 4.5★ | $2,000 | $0 |
| UHC Complete Care AZ-3P (HMO-POS C-SNP)UnitedHealthcare · Chronic or Disabling Condition SNP | 4.5★ | $2,400 | $0 |
Showing 5 of 130. See all ArizonaMedicare Advantage plans →
Who sells here
HMO plans by carrier
| Carrier | Plans | Avg stars | SNPs |
|---|---|---|---|
| UnitedHealthcareUnitedHealth Group, Inc. | 23 | 4.2 | 4 |
| Devoted HealthDevoted Health, Inc. | 15 | 3.5 | 7 |
| HumanaHumana Inc. | 15 | 3.6 | 2 |
| WellpointElevance Health, Inc. | 12 | 3.2 | 8 |
| Alignment Health PlanAlignment Healthcare USA, LLC | 10 | 4.0 | 3 |
| SCAN Health PlanSCAN Group | 10 | 4.5 | 4 |
| Wellcare By AllwellCentene Corporation | 9 | 3.5 | 4 |
| Cigna HealthCareHealth Care Service Corporation | 7 | 3.5 | 1 |
| Aetna MedicareCVS Health Corporation | 6 | 3.0 | 1 |
| Gold Kidney Health Plan | 5 | 3.0 | 5 |
| Blue Cross Blue Shield of Arizona (AZ Blue)Blue Cross Blue Shield of Arizona | 4 | 4.5 | — |
| eternalHealthEternal Health of Delaware, Inc. | 4 | — | — |
Other plan types in Arizona
How HMO compares
Nearby on quality
States with similar HMO star ratings
Common questions
Arizona Medicare Advantage HMO plans, answered
How much do Medicare Advantage HMO plans cost in Arizona?
Of the Arizona HMO plans with a published premium, 99% charge $0 a month. 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, which averages $5,645 across these plans.
What are the star ratings for Arizona HMO plans?
The 123 rated HMO plans in Arizona average 3.72 out of 5 stars, with 48 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 Arizona?
There are 130 HMO plans from 17 carriers, sold across 15 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. 47 of them are Special Needs Plans with extra eligibility rules (see below).
Do Arizona HMO plans include prescription drug coverage?
130 of the 130 HMO plans here bundle Part D drug coverage into the plan. That is the usual arrangement for Medicare Advantage and there is no separate drug premium for it — the plan premium covers 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 Arizona?
47 of the 130 HMO plans in Arizona 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 Arizona Medicare Advantage plans.
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