Best Medicare Advantage Plans in Iowa for 2027
Every general-audience Medicare Advantage plan with drug coverage in Iowa, ranked by what it could cost you in a bad year: 12 months of premiums, less any Part B giveback, plus the plan's in-network out-of-pocket maximum. Pick your county to see only the plans sold there.
Iowa plans, ranked
Showing all 32 plans.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Humana Gold Plus H0028-053 (HMO)Humana · HMO46 of 99 counties · drug deductible $700Dental up to $2,500/yr · eyewear $100/yr | $0 | $4,200 | $4,200 | 4.5★ |
| 2 | HumanaChoice Giveback H5216-340 (PPO)Humana · PPO96 of 99 counties · drug deductible $700Part B giveback $63/mo · Dental up to $4,000/yr · eyewear $100/yr | $0−$63 Part B giveback | $5,000 | $4,244 | 4★ |
| 3 | Wellcare Simple (HMO-POS)Wellcare · HMO-POS76 of 99 counties · drug deductible $700Dental up to $3,000/yr · eyewear $100/yr | $0 | $4,400 | $4,400 | 2.5★ |
| 4 | Aetna Medicare Signature (HMO-POS)Aetna Medicare · HMO-POS52 of 99 counties · drug deductible $500Dental up to $750/yr · eyewear $100/yr · hearing aids $1,250/yr per ear | $0 | $4,450 | $4,450 | 4★ |
| 5 | Aetna Medicare Value Care (HMO-POS)Aetna Medicare · HMO-POS85 of 99 counties · drug deductible $300Dental up to $1,000/yr · eyewear $150/yr · hearing aids $1,250/yr per ear · OTC items $180/yr | $0 | $4,450 | $4,450 | 4★ |
| 6 | DEVOTED CORE 034 IA (HMO)Devoted Health · HMO47 of 99 counties · drug deductible $650Dental up to $3,000/yr · eyewear $350/yr · OTC items $112/yr | $0 | $4,750 | $4,750 | 4.5★ |
| 7 | MercyOne Health Plan Plus (HMO)MediGold · HMO57 of 99 counties · drug deductible $400Dental up to $1,000/yr · eyewear $250/yr · OTC items $200/yr | $38 | $4,400 | $4,856 | 3.5★ |
| 8 | MercyOne Health Plan Choice (PPO)MediGold · PPO57 of 99 counties · drug deductible $450Dental up to $1,000/yr · eyewear $150/yr · OTC items $160/yr | $0 | $4,900 | $4,900 | 3★ |
| 9 | MercyOne Health Plan No Premium (HMO)MediGold · HMO57 of 99 counties · drug deductible $500Dental up to $1,000/yr · eyewear $200/yr · OTC items $100/yr | $0 | $4,900 | $4,900 | 3.5★ |
| 10 | DEVOTED GIVEBACK EXTRAS 108 IA (HMO)Devoted Health · HMO47 of 99 counties · drug deductible $700Part B giveback $75/mo · Dental up to $3,250/yr · eyewear $400/yr · OTC items $560/yr | $0−$75 Part B giveback | $5,900 | $5,000 | 4.5★ |
| 11 | DEVOTED GIVEBACK 035 IA (HMO)Devoted Health · HMO47 of 99 counties · drug deductible $461Part B giveback $159.70/mo · Dental up to $250/yr · eyewear $200/yr | $0−$159.70 Part B giveback | $7,150 | $5,234 | 4.5★ |
| 12 | AARP Medicare Advantage from UHC IA-0002 (HMO-POS)UnitedHealthcare · HMO-POS7 of 99 counties · drug deductible $685Dental up to $2,000/yr · eyewear $125/yr · hearing aids $700/yr | $49 | $4,900 | $5,488 | 4★ |
| 13 | Aetna Medicare Signature Extra (HMO-POS)Aetna Medicare · HMO-POS51 of 99 counties · drug deductible $700Dental up to $500/yr · eyewear $150/yr · hearing aids $1,250/yr per ear | $0 | $5,500 | $5,500 | 4★ |
| 14 | Gundersen Quartz Med Advantage Value D (w/Rx) (HMO)Quartz Medicare Advantage (HMO) · HMO3 of 99 counties · drug deductible $225Dental up to $375/yr · eyewear $175/yr · hearing aids $625/yr | $97 | $4,900 | $6,064 | 4★ |
| 15 | AARP Medicare Advantage Essentials from UHC NE-3 (HMO-POS)UnitedHealthcare · HMO-POS1 of 99 counties · drug deductible $685Preventive dental · eyewear $75/yr · hearing aids $700/yr | $0 | $6,400 | $6,400 | 3.5★ |
| 16 | Gundersen Quartz Med Advantage Core D (w/Rx) (HMO)Quartz Medicare Advantage (HMO) · HMO3 of 99 counties · drug deductible $270Dental up to $350/yr · eyewear $100/yr · hearing aids $500/yr | $42 | $5,900 | $6,404 | 4★ |
| 17 | Gundersen Quartz Med Advantage Elite D (w/Rx) (HMO)Quartz Medicare Advantage (HMO) · HMO3 of 99 counties · drug deductible $200Dental up to $550/yr · eyewear $250/yr · hearing aids $750/yr | $202 | $4,000 | $6,424 | 4★ |
| 18 | AARP Medicare Advantage from UHC IA-0002 (HMO-POS)UnitedHealthcare · HMO-POS47 of 99 counties · drug deductible $685Dental up to $1,000/yr · eyewear $100/yr · hearing aids $700/yr | $49 | $5,900 | $6,488 | 4★ |
| 19 | AARP Medicare Advantage Extras from UHC NE-5 (HMO-POS)UnitedHealthcare · HMO-POS1 of 99 counties · drug deductible $685Dental up to $2,000/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 20 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO53 of 99 counties · drug deductible $500Preventive dental · eyewear $100/yr · hearing aids $1,000/yr per ear | $0 | $7,150 | $7,150 | 4★ |
| 21 | Aetna Medicare Signature Classic (PPO)Aetna Medicare · PPO53 of 99 counties · drug deductible $500Preventive dental · eyewear $100/yr · hearing aids $1,000/yr per ear | $0 | $7,150 | $7,150 | 4★ |
| 22 | Gundersen Quartz Med Advantage Basic D (w/Rx) (HMO)Quartz Medicare Advantage (HMO) · HMO3 of 99 counties · drug deductible $270Preventive dental | $0 | $7,150 | $7,150 | 4★ |
| 23 | AARP Medicare Advantage from UHC IA-0003 (PPO)UnitedHealthcare · PPO47 of 99 counties · drug deductible $685Preventive dental · hearing aids $700/yr | $45 | $7,150 | $7,690 | 4★ |
| 24 | MercyOne Health Plan Cash Back (HMO)MediGold · HMO57 of 99 counties · drug deductible $375Part B giveback $100/mo · Preventive dental up to $1,000/yr · eyewear $150/yr · OTC items $100/yr | $0−$100 Part B giveback | $8,900 | $7,700 | 3.5★ |
| 25 | Align SecureChoice Gold (PPO)Align powered by Sanford Health Plan · PPO4 of 99 counties · drug deductible $350Dental up to $500/yr · eyewear $200/yr · OTC items $340/yr | $100 | $6,500 | $7,700 | 4★ |
| 26 | AARP Medicare Advantage from UHC IA-0003 (PPO)UnitedHealthcare · PPO7 of 99 counties · drug deductible $685Preventive dental · hearing aids $700/yr | $46 | $7,150 | $7,702 | 4★ |
| 27 | Align SecureChoice (PPO)Align powered by Sanford Health Plan · PPO4 of 99 counties · drug deductible $500Preventive dental · eyewear $100/yr · OTC items $200/yr | $60 | $7,150 | $7,870 | 4★ |
| 28 | AARP Medicare Advantage from UHC NE-0002 (PPO)UnitedHealthcare · PPO8 of 99 counties · drug deductible $685Preventive dental · hearing aids $700/yr | $61 | $7,150 | $7,882 | 3★ |
| 29 | Aetna Medicare Enhanced Classic Extra (PPO)Aetna Medicare · PPO85 of 99 counties · drug deductible $700Dental up to $1,250/yr · eyewear $250/yr · hearing aids $1,250/yr per ear · OTC items $200/yr | $75 | $7,150 | $8,050 | 4★ |
| 30 | Aetna Medicare Enhanced Extra (PPO)Aetna Medicare · PPO85 of 99 counties · drug deductible $700Dental up to $1,250/yr · eyewear $150/yr · hearing aids $1,250/yr per ear · OTC items $200/yr | $75 | $7,150 | $8,050 | 4★ |
| 31 | HumanaChoice H5216-014 (PPO)Humana · PPO95 of 99 counties · drug deductible $700Dental up to $2,500/yr · eyewear $100/yr | $51 | $7,500 | $8,112 | 4★ |
| 32 | Humana Gold Choice H8145-006 (PFFS)Humana · PFFS17 of 99 counties · drug deductible $700Dental up to $3,000/yr · eyewear $100/yr | $60 | $7,800 | $8,520 | 4★ |
Worst-case year = 12 × (monthly plan premium − any Part B giveback) + in-network maximum out-of-pocket, for covered Part A and B services. A giveback lowers the Part B premium you’d otherwise pay ($202.90 a month in 2026), so it counts as money back; a plan with a large giveback can show a worst-case year below $0. The Part B premium itself is the same for everyone, and drug costs are capped separately at $2,400 for 2027. Out-of-network care in PPO plans has a higher limit. Ties go to the lower premium. Other extras (dental, eyewear, hearing aids, over-the-counter allowance) are the yearly maximums each plan filed with CMS; they don’t change the order. Methodology
Before you enroll, check two things this ranking can’t: whether your doctors are in the plan’s network, and how it covers your drugs. Both are in the official Medicare Plan Finder. Star ratings are CMS’s 2027 quality scores (1 to 5) for the company contract behind each plan; they’re shown for context and don’t change the cost order.
Plans without drug coverage
These 9 plans don’t include Part D. They mainly suit people with drug coverage from elsewhere, such as the VA or TRICARE. Joining one generally means you can’t also join a stand-alone Part D plan, and going without creditable drug coverage can trigger a late enrollment penalty.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Humana USAA Honor Giveback (PPO)Humana · PPO98 of 99 countiesPart B giveback $150/mo · Dental up to $1,500/yr · eyewear $200/yr | $0−$150 Part B giveback | $4,700 | $2,900 | 4★ |
| 2 | Gundersen Quartz Med Advantage Value (HMO)Quartz Medicare Advantage (HMO) · HMO3 of 99 countiesDental up to $1,000/yr · eyewear $225/yr · hearing aids $750/yr | $0 | $4,450 | $4,450 | 4★ |
| 3 | AARP Medicare Advantage Patriot No Rx NE-MA2 (HMO-POS)UnitedHealthcare · HMO-POS1 of 99 countiesPart B giveback $170/mo · Dental up to $3,000/yr · eyewear $125/yr · hearing aids $1,000/yr | $0−$170 Part B giveback | $7,150 | $5,110 | 3.5★ |
| 4 | Aetna Medicare Eagle (HMO-POS)Aetna Medicare · HMO-POS85 of 99 countiesPart B giveback $130/mo · Dental up to $3,000/yr · eyewear $300/yr · hearing aids $1,250/yr per ear · OTC items $360/yr | $0−$130 Part B giveback | $6,750 | $5,190 | 4★ |
| 5 | AARP Medicare Advantage Patriot No Rx NE-MA01 (PPO)UnitedHealthcare · PPO8 of 99 countiesPart B giveback $160/mo · Dental up to $2,500/yr · eyewear $125/yr · hearing aids $700/yr | $0−$160 Part B giveback | $7,150 | $5,230 | 3★ |
| 6 | MercyOne Health Plan Glory No RX (HMO)MediGold · HMO57 of 99 countiesPart B giveback $100/mo · Dental up to $1,000/yr · eyewear $200/yr · OTC items $200/yr | $0−$100 Part B giveback | $6,500 | $5,300 | 3.5★ |
| 7 | Gundersen Quartz Med Advantage Elite (HMO)Quartz Medicare Advantage (HMO) · HMO3 of 99 countiesDental up to $1,000/yr · eyewear $300/yr · hearing aids $750/yr | $124 | $4,000 | $5,488 | 4★ |
| 8 | AARP Medicare Advantage Patriot No Rx IA-MA2 (HMO-POS)UnitedHealthcare · HMO-POS54 of 99 countiesPart B giveback $170/mo · Dental up to $3,000/yr · eyewear $125/yr · hearing aids $1,000/yr | $0−$170 Part B giveback | $9,850 | $7,810 | 4★ |
| 9 | AARP Medicare Advantage Patriot No Rx IA-MA01 (PPO)UnitedHealthcare · PPO54 of 99 countiesPart B giveback $160/mo · Dental up to $2,000/yr · eyewear $125/yr · hearing aids $700/yr | $0−$160 Part B giveback | $9,850 | $7,930 | 4★ |
County pages
Black Hawk County · Johnson County · Linn County · Polk County · Scott County · Woodbury County
Questions
How many Medicare Advantage plans are available in Iowa for 2027?
CMS lists 32 general-audience Medicare Advantage plans with drug coverage in Iowa for 2027, from 8 parent companies. Not every plan is sold in every county; use the county filter to see yours.
Are there $0 premium Medicare Advantage plans in Iowa?
Yes. 17 of the 32 plans have a $0 monthly plan premium in 2027. You still pay the Part B premium ($202.90 a month in 2026).
Which Iowa Medicare Advantage plan has the lowest worst-case cost?
Humana Gold Plus H0028-053 (HMO) from Humana: $0 a month with an in-network out-of-pocket maximum of $4,200, so at most about $4,200 in premiums and in-network costs for the year. It is offered in 46 of 99 counties.
Which Iowa Medicare Advantage plans have 4 or more stars?
24 of the 32 plans belong to contracts CMS rated 4 stars or higher for 2027. Star ratings measure quality and member experience, not cost; the table shows each plan's rating next to its worst-case cost.
Which Iowa Medicare Advantage plans have a Part B giveback?
4 of the 32 plans lower your Part B premium (a "giveback"), according to their 2027 benefit filings with CMS. The largest is $159.70 a month, from DEVOTED GIVEBACK 035 IA (HMO). A giveback plan isn't automatically cheaper: compare its worst-case year and its network.
What is the typical out-of-pocket maximum in Iowa?
The median in-network out-of-pocket maximum among these plans is $6,150. CMS allows up to $9,850 in 2027.
Sources
- CMS, CY 2027 Medicare Advantage and Prescription Drug Plan Landscape (CY2027_Landscape_202609.csv), from cms.gov; extra benefits (Part B giveback, dental, eyewear, hearing aids, over-the-counter allowance) from the CMS CY 2027 Plan Benefit Package files, cms.gov, yearly amounts as each plan filed them; star ratings from the CMS 2027 Star Ratings Data Tables (October 8, 2026), cms.gov. Ratings are per contract, so plans under the same contract share one rating. General-audience plans only: Special Needs Plans, Cost plans and employer group plans are not ranked.
- CMS, 2026 Part B premium — cms.gov.
Educational information, not a recommendation to join any plan. We are not an insurance agent or broker, and we are not connected with or endorsed by the U.S. government or the federal Medicare program. Plan details can change; confirm with the plan or Medicare.gov. · Advertiser disclosure
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