Washington · 2027 plan year

Medicare Advantage plans in Washington

Washington has 115 Medicare Advantage plans from 15 carriers, averaging 3.95 out of 5 stars across the 87 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.

115
Medicare Advantage plans
15
Carriers
39
Counties covered
4.0
Avg stars (87 of 115 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.

42% of Washington's HMO plans are Special Needs Plans.

35 of 84 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.

By plan type

HMO and PPO in Washington, compared

Plan typePlansCarriersAvg starsMedian out-of-pocket max
HMO→84143.88$7,150
PPO→3174.11$7,150
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 Washington plan list. Washington 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.
Your care is the rest.

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

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