Virginia · 2026 plan year

Medicare Advantage HMO plans in Virginia

There are 92 Medicare Advantage HMO plans in Virginia from 11 carriers, averaging 3.61 out of 5 stars across the 63 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.

92
HMO plans
11
Carriers
133
Counties covered
3.6
Avg stars (63 of 92 rated)
$7,208
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.

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.

Virginia HMO plans rank 38th of 49 on star rating.

Across the 63 rated plans here the average overall rating is 3.61 stars, 38th 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 Virginia

Showing 5 of 92. See all VirginiaMedicare Advantage plans →

Who sells here

HMO plans by carrier

CarrierPlansAvg starsSNPs
HumanaHumana Inc.243.49
Anthem HealthKeepersElevance Health, Inc.193.56
UnitedHealthcareUnitedHealth Group, Inc.174.08
Devoted HealthDevoted Health, Inc.104
Aetna MedicareCVS Health Corporation73.0
Kaiser PermanenteKaiser Foundation Health Plan, Inc.64.5
Cigna HealthCareHealth Care Service Corporation34.0
Lifeworks AdvantageCurana Health Holdings, LLC22
Sentara MedicareSentara Health Care (SHC)23.52
Aetna Better Health of VirginiaCVS Health Corporation13.01
Johns Hopkins Advantage MDJohns Hopkins Healthcare LLC1
Other plan types in Virginia

How HMO compares

All VirginiaMedicare Advantage plans →

Nearby on quality

States with similar HMO star ratings

Common questions

Virginia Medicare Advantage HMO plans, answered

How much do Medicare Advantage HMO plans cost in Virginia?
Of the Virginia HMO plans with a published premium, 92% 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 $7,208 across these plans.
What are the star ratings for Virginia HMO plans?
The 63 rated HMO plans in Virginia average 3.61 out of 5 stars, with 23 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 Virginia?
There are 92 HMO plans from 11 carriers, sold across 133 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. 32 of them are Special Needs Plans with extra eligibility rules (see below).
Do Virginia HMO plans include prescription drug coverage?
92 of the 92 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 Virginia?
32 of the 92 HMO plans in Virginia 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 Virginia Medicare Advantage plans.

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