Kentucky · 2026 plan year
Medicare Advantage HMO plans in Kentucky
There are 68 Medicare Advantage HMO plans in Kentucky from 9 carriers, averaging 3.73 out of 5 stars across the 66 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.
68
HMO plans
9
Carriers
120
Counties covered
3.7
Avg stars (66 of 68 rated)
$7,371
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.
Kentucky HMO plans rank 28th of 49 on star rating.
Across the 66 rated plans here the average overall rating is 3.73 stars, 28th 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 Kentucky
| Plan | Stars | Out-of-pocket max | Premium / mo |
|---|---|---|---|
| Humana Community (HMO)Humana | 4.5★ | $4,250 | $0 |
| Humana Community HMO Diabetes and Heart (HMO C-SNP)Humana · Chronic or Disabling Condition SNP | 4.5★ | $4,250 | $0 |
| Humana Community HMO SNP-DE (HMO D-SNP)Humana · Dual-Eligible SNP | 4.5★ | $9,250 | $0 |
| Humana Gold Plus SNP-DE H1036-320 (HMO D-SNP)Humana · Dual-Eligible SNP | 4.5★ | $9,250 | $0 |
| Humana Medicare Employer (HMO)Humana | 4.5★ | $9,250 | — |
Showing 5 of 68. See all KentuckyMedicare Advantage plans →
Who sells here
HMO plans by carrier
| Carrier | Plans | Avg stars | SNPs |
|---|---|---|---|
| HumanaHumana Inc. | 20 | 3.9 | 7 |
| UnitedHealthcareUnitedHealth Group, Inc. | 16 | 3.9 | 5 |
| Anthem Blue Cross and Blue ShieldElevance Health, Inc. | 12 | 3.5 | 1 |
| Aetna MedicareCVS Health Corporation | 6 | 4.0 | 2 |
| WellcareCentene Corporation | 6 | 3.5 | 3 |
| Passport AdvantageMolina Healthcare, Inc. | 3 | 3.5 | 3 |
| Cigna HealthCareHealth Care Service Corporation | 2 | 3.0 | — |
| Signature Advantage (HMO SNP)BrightSpring Health Services, Inc. | 2 | 3.0 | 2 |
| Provider Partners Health PlansRifkin Managed Care Holding, LLC | 1 | — | 1 |
Other plan types in Kentucky
How HMO compares
Nearby on quality
States with similar HMO star ratings
Common questions
Kentucky Medicare Advantage HMO plans, answered
How much do Medicare Advantage HMO plans cost in Kentucky?
Of the Kentucky HMO plans with a published premium, 96% 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 $7,371 across these plans.
What are the star ratings for Kentucky HMO plans?
The 66 rated HMO plans in Kentucky average 3.73 out of 5 stars, with 30 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 Kentucky?
There are 68 HMO plans from 9 carriers, sold across 120 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. 24 of them are Special Needs Plans with extra eligibility rules (see below).
Do Kentucky HMO plans include prescription drug coverage?
68 of the 68 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 Kentucky?
24 of the 68 HMO plans in Kentucky 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 Kentucky Medicare Advantage plans.
Estimate my costs — it’s free →