Best Medicare Advantage Plans in Puerto Rico for 2027
Every general-audience Medicare Advantage plan with drug coverage in Puerto Rico, 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.
Puerto Rico plans, ranked
Showing all 30 plans.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | MMM Deluxe (HMO-POS)Medicare y Mucho Mas (MMM) · HMO-POSAll 78 counties · drug deductible $0Part B giveback $157/mo · Preventive dental | $0−$157 Part B giveback | $3,250 | $1,366 | 4.5★ |
| 2 | MCS Classicare Hero (HMO)MCS Classicare · HMOAll 78 counties · drug deductible $0Part B giveback $131/mo · Dental up to $3,400/yr · eyewear $425/yr · hearing aids $1,000/yr per ear | $0−$131 Part B giveback | $3,400 | $1,828 | 5★ |
| 3 | MMM Valioso (HMO-POS)Medicare y Mucho Mas (MMM) · HMO-POSAll 78 counties · drug deductible $0Part B giveback $115/mo · Dental up to $500/yr · eyewear $250/yr · hearing aids $167/yr | $0−$115 Part B giveback | $3,250 | $1,870 | 4.5★ |
| 4 | MMM Estela (HMO-POS)Medicare y Mucho Mas (MMM) · HMO-POS12 of 78 counties · drug deductible $0Part B giveback $73/mo · Dental up to $2,000/yr · eyewear $600/yr · hearing aids $417/yr | $0−$73 Part B giveback | $3,250 | $2,374 | 4.5★ |
| 5 | MMM Estela (HMO-POS)Medicare y Mucho Mas (MMM) · HMO-POS56 of 78 counties · drug deductible $0Part B giveback $68/mo · Dental up to $2,000/yr · eyewear $600/yr · hearing aids $417/yr | $0−$68 Part B giveback | $3,250 | $2,434 | 4.5★ |
| 6 | MCS Classicare Estrella (HMO)MCS Classicare · HMO37 of 78 counties · drug deductible $0Part B giveback $70/mo · Dental up to $2,700/yr · OTC items $300/yr | $0−$70 Part B giveback | $3,400 | $2,560 | 5★ |
| 7 | MCS Classicare Excede (HMO)MCS Classicare · HMO17 of 78 counties · drug deductible $0Part B giveback $70/mo · Dental up to $1,500/yr · OTC items $1,440/yr | $0−$70 Part B giveback | $3,400 | $2,560 | 5★ |
| 8 | MMM Estela (HMO-POS)Medicare y Mucho Mas (MMM) · HMO-POS10 of 78 counties · drug deductible $0Part B giveback $53/mo · Dental up to $2,000/yr · eyewear $600/yr · hearing aids $417/yr | $0−$53 Part B giveback | $3,250 | $2,614 | 4.5★ |
| 9 | MMM Balance (HMO-POS)Medicare y Mucho Mas (MMM) · HMO-POS50 of 78 counties · drug deductible $0Part B giveback $52/mo · Dental up to $1,500/yr · eyewear $500/yr · hearing aids $417/yr | $0−$52 Part B giveback | $3,250 | $2,626 | 4.5★ |
| 10 | MMM Balance (HMO-POS)Medicare y Mucho Mas (MMM) · HMO-POS13 of 78 counties · drug deductible $0Part B giveback $52/mo · Dental up to $1,500/yr · eyewear $500/yr · hearing aids $417/yr | $0−$52 Part B giveback | $3,250 | $2,626 | 4.5★ |
| 11 | MMM Balance (HMO-POS)Medicare y Mucho Mas (MMM) · HMO-POS15 of 78 counties · drug deductible $0Part B giveback $52/mo · Dental up to $1,500/yr · eyewear $500/yr · hearing aids $417/yr | $0−$52 Part B giveback | $3,250 | $2,626 | 4.5★ |
| 12 | MCS Classicare Excede (HMO)MCS Classicare · HMO17 of 78 counties · drug deductible $0Part B giveback $60/mo · Dental up to $1,500/yr · OTC items $840/yr | $0−$60 Part B giveback | $3,400 | $2,680 | 5★ |
| 13 | MCS Classicare Excede (HMO)MCS Classicare · HMO11 of 78 counties · drug deductible $0Part B giveback $60/mo · Dental up to $1,500/yr · OTC items $468/yr | $0−$60 Part B giveback | $3,400 | $2,680 | 5★ |
| 14 | MMM Plenitud (HMO-POS)Medicare y Mucho Mas (MMM) · HMO-POSAll 78 counties · drug deductible $0Part B giveback $45/mo · Dental up to $2,000/yr · eyewear $500/yr · hearing aids $417/yr | $0−$45 Part B giveback | $3,250 | $2,710 | 4.5★ |
| 15 | MCS Classicare Efectivo (HMO)MCS Classicare · HMOAll 78 counties · drug deductible $0Part B giveback $55/mo · Dental up to $2,750/yr · OTC items $120/yr | $0−$55 Part B giveback | $3,400 | $2,740 | 5★ |
| 16 | MCS Classicare InteliCare (HMO)MCS Classicare · HMOAll 78 counties · drug deductible $0Part B giveback $40/mo · Dental up to $2,500/yr · OTC items $1,080/yr | $0−$40 Part B giveback | $3,400 | $2,920 | 5★ |
| 17 | MCS Classicare En Tu Hogar (HMO)MCS Classicare · HMOAll 78 counties · drug deductible $0Part B giveback $25/mo · Dental up to $3,000/yr · OTC items $420/yr | $0−$25 Part B giveback | $3,400 | $3,100 | 5★ |
| 18 | MMM Grandioso (HMO-POS)Medicare y Mucho Mas (MMM) · HMO-POSAll 78 counties · drug deductible $0Part B giveback $8/mo · Dental up to $1,000/yr · eyewear $1,000/yr | $0−$8 Part B giveback | $3,250 | $3,154 | 4.5★ |
| 19 | MCS Classicare RxMax (HMO)MCS Classicare · HMOAll 78 counties · drug deductible $0Part B giveback $20/mo · Dental up to $2,500/yr · eyewear $500/yr · hearing aids $800/yr per ear · OTC items $768/yr | $0−$20 Part B giveback | $3,400 | $3,160 | 5★ |
| 20 | MMM Mega Flex (HMO-POS)Medicare y Mucho Mas (MMM) · HMO-POSAll 78 counties · drug deductible $0Part B giveback $5/mo · Dental up to $1,500/yr · eyewear $600/yr | $0−$5 Part B giveback | $3,250 | $3,190 | 4.5★ |
| 21 | PMC Max (HMO-POS)Medicare y Mucho Mas (MMM) · HMO-POSAll 78 counties · drug deductible $0Part B giveback $3/mo · Dental up to $1,500/yr · eyewear $450/yr · hearing aids $333/yr | $0−$3 Part B giveback | $3,250 | $3,214 | 4.5★ |
| 22 | Enlace Plus (HMO)Triple S Advantage · HMOAll 78 counties · drug deductible $0Part B giveback $80/mo · Dental up to $1,600/yr · eyewear $400/yr · OTC items $1,200/yr | $0−$80 Part B giveback | $4,200 | $3,240 | 5★ |
| 23 | MMM Elite (HMO-POS)Medicare y Mucho Mas (MMM) · HMO-POSAll 78 counties · drug deductible $0Dental up to $2,500/yr · eyewear $500/yr · hearing aids $667/yr | $0 | $3,250 | $3,250 | 4.5★ |
| 24 | MCS Classicare Firme (HMO)MCS Classicare · HMO39 of 78 counties · drug deductible $0Part B giveback $10/mo · Dental up to $3,000/yr · OTC items $1,560/yr | $0−$10 Part B giveback | $3,400 | $3,280 | 5★ |
| 25 | Ahorro Plus (HMO)Triple S Advantage · HMO46 of 78 counties · drug deductible $0Part B giveback $70/mo · Dental up to $2,600/yr · eyewear $350/yr · hearing aids $167/yr · OTC items $100/yr | $0−$70 Part B giveback | $4,200 | $3,360 | 5★ |
| 26 | MCS Classicare Essential (HMO-POS)MCS Classicare · HMO-POSAll 78 counties · drug deductible $0Dental up to $3,500/yr · eyewear $950/yr · hearing aids $750/yr per ear · OTC items $600/yr | $0 | $3,400 | $3,400 | 5★ |
| 27 | Ahorro Plus (HMO)Triple S Advantage · HMO23 of 78 counties · drug deductible $0Part B giveback $50/mo · Dental up to $2,000/yr · eyewear $350/yr · hearing aids $167/yr · OTC items $100/yr | $0−$50 Part B giveback | $4,200 | $3,600 | 5★ |
| 28 | Ahorro Plus (HMO)Triple S Advantage · HMO9 of 78 counties · drug deductible $0Part B giveback $50/mo · Dental up to $2,000/yr · eyewear $350/yr · hearing aids $167/yr · OTC items $100/yr | $0−$50 Part B giveback | $4,200 | $3,600 | 5★ |
| 29 | Brillante (HMO-POS)Triple S Advantage · HMO-POSAll 78 counties · drug deductible $0Part B giveback $40/mo · Dental up to $3,000/yr · eyewear $300/yr · hearing aids $667/yr · OTC items $120/yr | $0−$40 Part B giveback | $4,200 | $3,720 | 5★ |
| 30 | Óptimo Plus (PPO)Triple-S Advantage · PPOAll 78 counties · drug deductible $0Dental up to $1,000/yr · eyewear $200/yr · hearing aids $67/yr | $0 | $7,151 | $7,151 | 4.5★ |
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 2 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 | MMM Valiente (HMO-POS)Medicare y Mucho Mas (MMM) · HMO-POSAll 78 countiesPart B giveback $100/mo · Dental up to $2,500/yr · eyewear $750/yr | $0−$100 Part B giveback | $3,250 | $2,050 | 4.5★ |
| 2 | MCS Classicare Patriot (HMO)MCS Classicare · HMOAll 78 countiesDental up to $2,500/yr · OTC items $2,400/yr | $0 | $3,400 | $3,400 | 5★ |
County pages
Bayamon Municipio · Caguas Municipio · Carolina Municipio · Ponce Municipio · San Juan Municipio
Questions
How many Medicare Advantage plans are available in Puerto Rico for 2027?
CMS lists 30 general-audience Medicare Advantage plans with drug coverage in Puerto Rico for 2027, from 3 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 Puerto Rico?
Yes. 30 of the 30 plans have a $0 monthly plan premium in 2027. You still pay the Part B premium ($202.90 a month in 2026).
Which Puerto Rico Medicare Advantage plan has the lowest worst-case cost?
MMM Deluxe (HMO-POS) from Medicare y Mucho Mas (MMM): $0 a month with an in-network out-of-pocket maximum of $3,250, so at most about $1,366 in premiums and in-network costs for the year. It is offered in 78 of 78 counties.
Which Puerto Rico Medicare Advantage plans have 4 or more stars?
30 of the 30 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 Puerto Rico Medicare Advantage plans have a Part B giveback?
27 of the 30 plans lower your Part B premium (a "giveback"), according to their 2027 benefit filings with CMS. The largest is $157 a month, from MMM Deluxe (HMO-POS). A giveback plan isn't automatically cheaper: compare its worst-case year and its network.
What is the typical out-of-pocket maximum in Puerto Rico?
The median in-network out-of-pocket maximum among these plans is $3,400. 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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