Georgia · 2026 plan year

Medicare Advantage HMO plans in Georgia

There are 96 Medicare Advantage HMO plans in Georgia from 11 carriers, averaging 3.90 out of 5 stars across the 91 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.

96
HMO plans
11
Carriers
159
Counties covered
3.9
Avg stars (91 of 96 rated)
$7,972
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.

Georgia has 2 five-star Medicare Advantage HMO plans.

Of the 96 HMO plans here, 2 carry CMS's top overall rating of 5 stars and 48 rate 4 or above. That matters beyond quality: a 5-star plan can be joined at almost any point in the year through a special enrollment period, rather than only during the autumn window.

Georgia HMO plans rank 20th of 49 on star rating.

Across the 91 rated plans here the average overall rating is 3.90 stars, 20th 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 Georgia

Showing 5 of 96. See all GeorgiaMedicare Advantage plans →

Who sells here

HMO plans by carrier

CarrierPlansAvg starsSNPs
Cigna HealthCareHealth Care Service Corporation223.74
Anthem Blue Cross and Blue ShieldElevance Health, Inc.123.53
HumanaHumana Inc.124.03
Kaiser PermanenteKaiser Foundation Health Plan, Inc.124.53
WellcareCentene Corporation123.55
UnitedHealthcareUnitedHealth Group, Inc.104.04
Aetna MedicareCVS Health Corporation74.54
PruittHealth PremierUNICO Services, Inc.33
CareSource22
Clear Spring HealthGroup 100122.51
Georgia Health AdvantageMitchell Family Office25.02
Other plan types in Georgia

How HMO compares

All GeorgiaMedicare Advantage plans →

Nearby on quality

States with similar HMO star ratings

Common questions

Georgia Medicare Advantage HMO plans, answered

How much do Medicare Advantage HMO plans cost in Georgia?
Of the Georgia HMO plans with a published premium, 97% 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 $7,972 across these plans.
What are the star ratings for Georgia HMO plans?
The 91 rated HMO plans in Georgia average 3.90 out of 5 stars, with 48 rating 4 or better and 2 rating a full 5. 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 Georgia?
There are 96 HMO plans from 11 carriers, sold across 159 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. 34 of them are Special Needs Plans with extra eligibility rules (see below).
Do Georgia HMO plans include prescription drug coverage?
96 of the 96 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 Georgia?
34 of the 96 HMO plans in Georgia 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 Georgia Medicare Advantage plans.

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