Washington · 2026 plan year
Medicare Advantage HMO plans in Washington
There are 73 Medicare Advantage HMO plans in Washington from 12 carriers, averaging 3.61 out of 5 stars across the 66 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.
73
HMO plans
12
Carriers
39
Counties covered
3.6
Avg stars (66 of 73 rated)
$6,821
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.
Washington HMO plans rank 37th of 49 on star rating.
Across the 66 rated plans here the average overall rating is 3.61 stars, 37th 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 Washington
| Plan | Stars | Out-of-pocket max | Premium / mo |
|---|---|---|---|
| Humana Gold Plus H1036-321 (HMO)Humana | 4.5★ | $5,900 | $0 |
| Humana Gold Plus H1036-322 (HMO)Humana | 4.5★ | $5,900 | $0 |
| Humana Gold Plus Giveback H1036-319 (HMO)Humana | 4.5★ | $8,800 | $0 |
| Humana Gold Plus SNP-DE H1036-324 (HMO D-SNP)Humana · Dual-Eligible SNP | 4.5★ | $9,250 | $0 |
| Humana Gold Plus SNP-DE H1036-325 (HMO D-SNP)Humana · Dual-Eligible SNP | 4.5★ | $9,250 | $0 |
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Who sells here
HMO plans by carrier
| Carrier | Plans | Avg stars | SNPs |
|---|---|---|---|
| Kaiser PermanenteKaiser Foundation Health Plan, Inc. | 19 | 4.0 | — |
| UnitedHealthcareUnitedHealth Group, Inc. | 18 | 3.5 | 6 |
| HumanaHumana Inc. | 16 | 3.6 | 6 |
| WellcareCentene Corporation | 5 | — | 3 |
| Aetna MedicareCVS Health Corporation | 3 | 3.0 | — |
| Molina Healthcare of Washington, Inc.Molina Healthcare, Inc. | 3 | 3.0 | 3 |
| Community Health Plan of WA Medicare AdvantageCommunity Health Plan of Washington | 2 | 3.0 | 2 |
| SCAN Health PlanSCAN Group | 2 | — | — |
| WellpointElevance Health, Inc. | 2 | 3.0 | 2 |
| Cigna HealthCareHealth Care Service Corporation | 1 | 4.0 | — |
| Providence Medicare Advantage PlansProvidence St Joseph Health | 1 | 4.0 | — |
| Regence BlueShieldCambia Health Solutions, Inc. | 1 | 4.0 | — |
Other plan types in Washington
How HMO compares
Nearby on quality
States with similar HMO star ratings
Common questions
Washington Medicare Advantage HMO plans, answered
How much do Medicare Advantage HMO plans cost in Washington?
Of the Washington HMO plans with a published premium, 81% 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 $6,821 across these plans.
What are the star ratings for Washington HMO plans?
The 66 rated HMO plans in Washington average 3.61 out of 5 stars, with 28 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 Washington?
There are 73 HMO plans from 12 carriers, sold across 39 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. 22 of them are Special Needs Plans with extra eligibility rules (see below).
Do Washington HMO plans include prescription drug coverage?
73 of the 73 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 Washington?
22 of the 73 HMO plans in Washington 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.
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