Missouri · 2026 plan year

Medicare Advantage plans in Missouri

Missouri has 108 Medicare Advantage plans from 15 carriers, averaging 3.68 out of 5 stars across the 89 plans CMS has rated. The first real decision is HMO or PPO — how far you can go outside the plan’s network, and what that freedom costs.

108
Medicare Advantage plans
15
Carriers
115
Counties covered
3.7
Avg stars (89 of 108 rated)
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. CMS publishes star ratings per contract, so plans a carrier files under one contract all share a rating.

Missouri has 2 five-star Medicare Advantage HMO plans.

Of the 85 HMO plans here, 2 carry CMS's top overall rating of 5 stars and 32 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.

By plan type

HMO and PPO in Missouri, compared

Plan typePlansCarriersAvg starsAvg out-of-pocket max
HMO85133.75$6,314
PPO2353.48Not published
Also available

Other Medicare coverage

Every figure on this page covers HMO and PPO plans. A small number of PFFS and Cost plans are sold in some states and are not included above — there are too few nationally (71 across 17 states) to compare meaningfully. Standalone Part D drug plans and PACE programmes are different products entirely and are not Medicare Advantage; you can find any available on the full Missouri plan list. Missouri has 2 five-star plans, which can be joined outside the normal enrolment window.

Other states

Compare another state

All 51states → · Medicare Advantage vs Original Medicare

Stars are one signal.
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