Louisiana · 2026 plan year

Medicare Advantage HMO plans in Louisiana

There are 78 Medicare Advantage HMO plans in Louisiana from 10 carriers, averaging 4.13 out of 5 stars across the 75 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.

78
HMO plans
10
Carriers
64
Counties covered
4.1
Avg stars (75 of 78 rated)
$6,411
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.

Louisiana HMO plans rate well above the national average.

Averaged across the 75 rated plans here, HMO coverage in Louisiana scores 4.13 stars against a national median of 3.82 for this plan type — 6th highest of 49 states. Star ratings measure the contract's performance on care quality, member experience and complaints.

Louisiana HMO plans rank 6th of 49 on star rating.

Across the 75 rated plans here the average overall rating is 4.13 stars, 6th 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 Louisiana

Showing 5 of 78. See all LouisianaMedicare Advantage plans →

Who sells here

HMO plans by carrier

CarrierPlansAvg starsSNPs
HumanaHumana Inc.284.56
Peoples HealthUnitedHealth Group, Inc.134.56
Blue Cross and Blue Shield of LouisianaLouisiana Health Service & Indemnity Company124.01
WellcareCentene Corporation113.55
Aetna MedicareCVS Health Corporation73.65
Healthy BlueElevance Health, Inc.33.53
American Health Advantage of LouisianaMitchell Family Office11
AmeriHealth Caritas VIP Care (HMO-SNP)Independence Health Group, Inc.11
UnitedHealthcareUnitedHealth Group, Inc.13.51
Wellcare By AllwellCentene Corporation1
Other plan types in Louisiana

How HMO compares

All LouisianaMedicare Advantage plans →

Nearby on quality

States with similar HMO star ratings

Common questions

Louisiana Medicare Advantage HMO plans, answered

How much do Medicare Advantage HMO plans cost in Louisiana?
Of the Louisiana 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 $6,411 across these plans.
What are the star ratings for Louisiana HMO plans?
The 75 rated HMO plans in Louisiana average 4.13 out of 5 stars, with 54 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 Louisiana?
There are 78 HMO plans from 10 carriers, sold across 64 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. 29 of them are Special Needs Plans with extra eligibility rules (see below).
Do Louisiana HMO plans include prescription drug coverage?
78 of the 78 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 Louisiana?
29 of the 78 HMO plans in Louisiana 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 Louisiana Medicare Advantage plans.

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