Virginia · 2026 plan year

Medicare Advantage plans in Virginia

Virginia has 131 Medicare Advantage plans from 12 carriers, averaging 3.71 out of 5 stars across the 100 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.

131
Medicare Advantage plans
12
Carriers
133
Counties covered
3.7
Avg stars (100 of 131 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.

29 of Virginia's HMO plans carry no star rating yet.

CMS rates a contract, not a plan, and does not rate one that is too new or has too little data — so 29 plans here shows no rating at all. Unrated is not the same as badly rated; it usually means a new contract, and those plans have to be judged on benefits and network instead.

By plan type

HMO and PPO in Virginia, compared

Plan typePlansCarriersAvg starsAvg out-of-pocket max
HMO92113.61$7,208
PPO3953.89Not 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 Virginia plan list.

Other states

Compare another state

All 51states → · Medicare Advantage vs Original Medicare

Stars are one signal.
Your care is the rest.

Simplivera scores every Virginia plan against how much care you actually expect to use.

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