Ohio · 2026 plan year
Medicare Advantage HMO plans in Ohio
There are 151 Medicare Advantage HMO plans in Ohio from 21 carriers, averaging 3.91 out of 5 stars across the 138 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.
151
HMO plans
21
Carriers
88
Counties covered
3.9
Avg stars (138 of 151 rated)
$6,361
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.
Ohio HMO plans rank 19th of 49 on star rating.
Across the 138 rated plans here the average overall rating is 3.91 stars, 19th 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 Ohio
| Plan | Stars | Out-of-pocket max | Premium / mo |
|---|---|---|---|
| SummaCare Medicare Emerald (HMO-POS)SummaCare Medicare Advantage Plans | 4.5★ | $2,800 | $56.20 |
| SummaCare Medicare Amber (HMO)SummaCare Medicare Advantage Plans | 4.5★ | $3,450 | $0 |
| SummaCare Medicare Ruby (HMO)SummaCare Medicare Advantage Plans | 4.5★ | $3,600 | $0 |
| SummaCare Medicare Sapphire (HMO-POS)SummaCare Medicare Advantage Plans | 4.5★ | $3,650 | $0 |
| Mount Carmel MediGold Premier (HMO)MediGold | 4.5★ | $3,900 | $88.80 |
Showing 5 of 151. See all OhioMedicare Advantage plans →
Who sells here
HMO plans by carrier
| Carrier | Plans | Avg stars | SNPs |
|---|---|---|---|
| Aetna MedicareCVS Health Corporation | 22 | 3.9 | 12 |
| UnitedHealthcareUnitedHealth Group, Inc. | 20 | 4.0 | 4 |
| Devoted HealthDevoted Health, Inc. | 16 | 4.0 | 6 |
| Anthem Blue Cross and Blue ShieldElevance Health, Inc. | 15 | 4.0 | 4 |
| MediGoldTrinity Health Corporation | 12 | 4.5 | — |
| SummaCare Medicare Advantage PlansSumma Health | 9 | 4.5 | — |
| Medical Mutual of OhioMEDICAL MUTUAL OF OHIO | 8 | 4.0 | — |
| HumanaHumana Inc. | 7 | 3.5 | 2 |
| Wellcare By AllwellCentene Corporation | 7 | 3.0 | 4 |
| The Health PlanThe Health Plan of West Virginia, Inc. | 5 | 3.5 | 1 |
| UPMC for LifeUPMC Health System | 5 | 4.5 | — |
| Zing HealthZing Health Consolidator, Inc | 5 | 2.5 | 3 |
Other plan types in Ohio
How HMO compares
Nearby on quality
States with similar HMO star ratings
Common questions
Ohio Medicare Advantage HMO plans, answered
How much do Medicare Advantage HMO plans cost in Ohio?
Of the Ohio HMO plans with a published premium, 91% 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 $6,361 across these plans.
What are the star ratings for Ohio HMO plans?
The 138 rated HMO plans in Ohio average 3.91 out of 5 stars, with 106 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 Ohio?
There are 151 HMO plans from 21 carriers, sold across 88 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. 49 of them are Special Needs Plans with extra eligibility rules (see below).
Do Ohio HMO plans include prescription drug coverage?
151 of the 151 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 Ohio?
49 of the 151 HMO plans in Ohio 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 Ohio Medicare Advantage plans.
Estimate my costs — it’s free →