Best Medicare Advantage Plans in Stafford County, VA for 2027
Every general-audience Medicare Advantage plan with drug coverage sold in Stafford County, ranked by what it could cost you in a bad year: 12 months of premiums, less any Part B giveback, plus the in-network out-of-pocket maximum.
Stafford County plans, ranked
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Anthem Medicare Advantage 3 (HMO-POS)Anthem HealthKeepers · HMO-POS18 of 133 counties · drug deductible $395Dental up to $1,200/yr · eyewear $150/yr · hearing aids $2,000/yr · OTC items $100/yr | $29 | $6,300 | $6,648 | 3★ |
| 2 | Humana Value Choice (PPO)Humana · PPO91 of 133 counties · drug deductible $450Dental up to $1,750/yr · eyewear $400/yr | $0 | $7,150 | $7,150 | 4.5★ |
| 3 | Kaiser Permanente Medicare Advantage Standard 1 VA (HMO-POS)Kaiser Permanente · HMO-POS12 of 133 counties · drug deductible $0Dental up to $1,000/yr · eyewear $250/yr · hearing aids $333/yr per ear · OTC items $100/yr | $15 | $7,150 | $7,330 | 4.5★ |
| 4 | Kaiser Permanente Medicare Advantage Standard 2 VA (HMO-POS)Kaiser Permanente · HMO-POS12 of 133 counties · drug deductible $0Dental up to $1,000/yr · eyewear $250/yr · hearing aids $333/yr per ear · OTC items $140/yr | $25 | $7,400 | $7,700 | 4.5★ |
| 5 | Kaiser Permanente Medicare Advantage High VA (HMO-POS)Kaiser Permanente · HMO-POS12 of 133 counties · drug deductible $0Dental up to $1,000/yr · eyewear $250/yr · hearing aids $333/yr per ear · OTC items $100/yr | $145 | $6,200 | $7,940 | 4.5★ |
| 6 | Aetna Medicare Elite (PPO)Aetna Medicare · PPO17 of 133 counties · drug deductible $700Dental up to $500/yr · eyewear $150/yr · hearing aids $750/yr per ear | $92 | $7,150 | $8,254 | 4★ |
| 7 | Humana Essentials Plus Giveback (PPO)Humana · PPO110 of 133 counties · drug deductible $700Part B giveback $119/mo · Dental up to $500/yr · eyewear $100/yr | $0−$119 Part B giveback | $9,850 | $8,422 | 4.5★ |
| 8 | Kaiser Permanente Medicare Advantage Value 2 VA (HMO-POS)Kaiser Permanente · HMO-POS7 of 133 counties · drug deductible $0Dental up to $1,000/yr · eyewear $200/yr · hearing aids $333/yr per ear · OTC items $100/yr | $0 | $8,700 | $8,700 | 4.5★ |
| 9 | AARP Medicare Advantage Essentials from UHC VA-6 (PPO)UnitedHealthcare · PPO55 of 133 counties · drug deductible $685Preventive dental · eyewear $100/yr | $0 | $8,900 | $8,900 | 4.5★ |
| 10 | Aetna Medicare Elite (HMO-POS)Aetna Medicare · HMO-POS16 of 133 counties · drug deductible $700Preventive dental · eyewear $100/yr · hearing aids $500/yr per ear · OTC items $240/yr | $70 | $8,200 | $9,040 | 3.5★ |
| 11 | AARP Medicare Advantage Extras from UHC VA-18 (PPO)UnitedHealthcare · PPO55 of 133 counties · drug deductible $685Dental up to $1,500/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $9,300 | $9,300 | 4★ |
| 12 | Anthem Medicare Advantage (PPO)Anthem Blue Cross and Blue Shield · PPO94 of 133 counties · drug deductible $250Dental up to $1,000/yr · eyewear $125/yr · hearing aids $1,000/yr | $30 | $8,950 | $9,310 | 3★ |
| 13 | Aetna Medicare Elite Extra (HMO)Aetna Medicare · HMO16 of 133 counties · drug deductible $700Preventive dental · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $9,850 | $9,850 | 3.5★ |
| 14 | Anthem Medicare Advantage 2 (HMO-POS)Anthem HealthKeepers · HMO-POS47 of 133 counties · drug deductible $300Preventive dental · hearing aids $2,000/yr | $0 | $9,850 | $9,850 | 3★ |
| 15 | Humana Gold Plus H6622-085 (HMO)Humana · HMO110 of 133 counties · drug deductible $400Dental up to $1,500/yr · eyewear $550/yr | $0 | $9,850 | $9,850 | 4★ |
| 16 | HumanaChoice H5216-363 (PPO)Humana · PPO118 of 133 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr | $0 | $9,850 | $9,850 | 4★ |
| 17 | HumanaChoice H5216-408 (PPO)Humana · PPO112 of 133 counties · drug deductible $700Dental up to $3,000/yr · eyewear $300/yr | $0 | $9,850 | $9,850 | 4★ |
| 18 | HumanaChoice H7617-125 (PPO)Humana · PPO92 of 133 counties · drug deductible $450Dental · eyewear $100/yr | $58 | $9,850 | $10,546 | 4.5★ |
| 19 | HumanaChoice H5216-027 (PPO)Humana · PPO36 of 133 counties · drug deductible $700Dental · eyewear $100/yr | $74 | $9,850 | $10,738 | 4★ |
| 20 | Humana Full Access (Regional PPO)Humana · Regional PPOAll 133 counties · drug deductible $700Dental · eyewear $150/yr | $158 | $9,850 | $11,746 | 3.5★ |
Worst-case year = 12 × (monthly plan premium − any Part B giveback) + in-network maximum out-of-pocket. The giveback is money back on the Part B premium ($202.90 a month in 2026), which is otherwise the same for everyone, so a large one can push the worst-case year below $0; drug costs are capped separately at $2,400 in 2027. Other extras are the yearly maximums each plan filed with CMS and don’t change the order. Methodology
What changed since 2026
- Plans with drug coverage: 33 in 2026, 29 in 2027.
- $0-premium plans: 21 in 2026, 19 in 2027.
- Median in-network out-of-pocket maximum: $8,300 in 2026, $8,950 in 2027.
- 5,140 people here were in a general-audience Advantage plan in October 2026; 1,525 of them are in a plan that ends or leaves the county for 2027 and must choose again.
From our 2026 vs. 2027 Medicare Advantage study (CMS landscape, enrollment and crosswalk files).
Before you enroll, check that your doctors are in the plan’s network and how it covers your drugs in the Medicare Plan Finder. Weighing Advantage against Original Medicare with a Medigap plan? Run the county calculator.
Also sold here without drug coverage: HumanaChoice H5216-152 (PPO), Aetna Medicare Eagle Giveback (PPO), Anthem Veteran (PPO), Kaiser Permanente Medicare Advantage Liberty (HMO), AARP Medicare Advantage Patriot No Rx VA-MA01 (PPO), Humana USAA Honor Giveback (PPO), Humana USAA Honor Giveback (PPO), Humana USAA Honor Giveback (Regional PPO), HumanaChoice R0110-004 (Regional PPO).
Questions
How many Medicare Advantage plans are in Stafford County for 2027?
20 general-audience plans with drug coverage, 10 of them with a $0 monthly premium, compared with 33 plans and 21 $0-premium plans in 2026. Special Needs Plans aren't counted.
Which plan has the lowest worst-case cost in Stafford County?
Anthem Medicare Advantage 3 (HMO-POS) from Anthem HealthKeepers: $29 a month with an in-network out-of-pocket maximum of $6,300, so at most about $6,648 for the year in premiums and in-network costs.
Do any Stafford County plans have a Part B giveback?
1 do. The largest is $119 a month off your Part B premium, from Humana Essentials Plus Giveback (PPO).
How many Stafford County plans have 4 or more stars?
14 of 20, based on CMS's 2027 ratings of the contract behind each plan.
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.
- County population: 2020 Census, via the USDA Rural-Urban Continuum Codes (2023).
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. · Advertiser disclosure
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