Medicare Advantage HMO plans in Washington
There are 84 Medicare Advantage HMO plans in Washington from 14 carriers, averaging 3.88 out of 5 stars across the 60 plans CMS has rated. 69% of those with a published premium charge $0 a month (58 of 84); beyond the premium, what separates them is network, drug coverage and how much you could owe in a bad year.
Across the 84 HMO plans in Washington that publish one, the in-network out-of-pocket maximum has a median of $7,150 and tops out at $9,850 — the ceiling on what you pay in a year for covered in-network care. The mean is $7,541, which sits above the median — the spread is not symmetric, so the median is the better guide.
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.
24 of Washington'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 24 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.
Not sure whether Medicare Advantage suits you at all? Medicare Advantage vs Original Medicare covers the trade in plain language.
Top-rated HMO plans in Washington
| Plan | Stars | Out-of-pocket max | Premium / mo |
|---|---|---|---|
| Kaiser Permanente Medicare Advantage Optimal (HMO)Kaiser Permanente | 4.5★ | $3,150 | $373 |
| Kaiser Permanente Medicare Advantage Columbia (HMO)Kaiser Permanente | 4.5★ | $3,950 | $85 |
| Kaiser Permanente Medicare Advantage Essential (HMO)Kaiser Permanente | 4.5★ | $3,950 | $119 |
| Kaiser Permanente Senior Advantage Enhanced (HMO-POS)Kaiser Permanente | 4.5★ | $4,000 | $134 |
| Kaiser Permanente Medicare Advantage Basic (HMO)Kaiser Permanente | 4.5★ | $4,200 | $106 |
Showing 5 of 84. See all WashingtonMedicare Advantage plans →
HMO plans by carrier
| Carrier | Plans | Avg stars | SNPs |
|---|---|---|---|
| Devoted HealthDevoted Health, Inc. | 18 | — | 9 |
| Kaiser PermanenteKaiser Foundation Health Plan, Inc. | 17 | 4.5 | — |
| UnitedHealthcareUnitedHealth Group, Inc. | 15 | 3.5 | 8 |
| HumanaHumana Inc. | 13 | 4.2 | 5 |
| Aetna MedicareCVS Health Corporation | 4 | 3.5 | 1 |
| Molina Healthcare of Washington, Inc.Molina Healthcare, Inc. | 3 | 3.0 | 3 |
| WellpointElevance Health, Inc. | 3 | 3.5 | 3 |
| AgeRight AdvantageMarquis Companies I, Inc. | 2 | — | 2 |
| Community Health Plan of WA Medicare AdvantageCommunity Health Plan of Washington | 2 | 3.5 | 2 |
| MultiCare Health Plan Medicare Advantage EvergreenMultiCare Health Systems | 2 | — | — |
| WellcareCentene Corporation | 2 | 2.5 | 2 |
| HealthSpringHealth Care Service Corporation | 1 | 4.0 | — |
How HMO compares
States with similar HMO star ratings
Washington Medicare Advantage HMO plans, answered
How much do Medicare Advantage HMO plans cost in Washington?
What are the star ratings for Washington HMO plans?
How many Medicare Advantage HMO plans are available in Washington?
Do Washington HMO plans include prescription drug coverage?
What is a Special Needs Plan, and are there any in Washington?
A $0 premium is not the whole cost.
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