Missouri · 2026 plan year

Medicare Advantage HMO plans in Missouri

There are 85 Medicare Advantage HMO plans in Missouri from 13 carriers, averaging 3.75 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.

85
HMO plans
13
Carriers
115
Counties covered
3.8
Avg stars (66 of 85 rated)
$6,314
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.

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.

46% of Missouri's HMO plans are Special Needs Plans.

39 of 85 plans here are SNPs — restricted to people who also have Medicaid, live in an institution, or have a qualifying chronic condition. If none of those apply to you the field is smaller than the headline count suggests, so filter them out before comparing.

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 Missouri

Showing 5 of 85. See all MissouriMedicare Advantage plans →

Who sells here

HMO plans by carrier

CarrierPlansAvg starsSNPs
Aetna MedicareCVS Health Corporation163.89
Devoted HealthDevoted Health, Inc.168
UnitedHealthcareUnitedHealth Group, Inc.124.03
Anthem HealthKeepersElevance Health, Inc.113.53
HumanaHumana Inc.103.74
Cigna HealthCareHealth Care Service Corporation43.52
Wellcare By AllwellCentene Corporation43.02
Cox HealthPlansCoxHealth34.0
Provider Partners Health PlansRifkin Managed Care Holding, LLC34.53
American Health Advantage of MissouriMitchell Family Office22
NHC AdvantageMissouri Healthcare Advisors, LLC25.02
Cigna HealthcareHealth Care Service Corporation12.5
Other plan types in Missouri

How HMO compares

All MissouriMedicare Advantage plans →

Nearby on quality

States with similar HMO star ratings

Common questions

Missouri Medicare Advantage HMO plans, answered

How much do Medicare Advantage HMO plans cost in Missouri?
Of the Missouri 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 $6,314 across these plans.
What are the star ratings for Missouri HMO plans?
The 66 rated HMO plans in Missouri average 3.75 out of 5 stars, with 32 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 Missouri?
There are 85 HMO plans from 13 carriers, sold across 115 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. 39 of them are Special Needs Plans with extra eligibility rules (see below).
Do Missouri HMO plans include prescription drug coverage?
85 of the 85 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 Missouri?
39 of the 85 HMO plans in Missouri 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 Missouri Medicare Advantage plans.

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