Best Medicare Advantage Plans in Washington for 2027
Every general-audience Medicare Advantage plan with drug coverage in Washington, 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.
Washington plans, ranked
Showing all 62 plans.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Kaiser Permanente Medicare Advantage Columbia (HMO)Kaiser Permanente · HMO1 of 39 counties · drug deductible $0Dental · eyewear $200/yr | $85 | $3,950 | $4,970 | 4.5★ |
| 2 | Humana Gold Plus H5619-061 (HMO)Humana · HMO31 of 39 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr | $86 | $4,200 | $5,232 | 4★ |
| 3 | Kaiser Permanente Medicare Advantage Essential (HMO)Kaiser Permanente · HMO4 of 39 counties · drug deductible $0Dental · eyewear $200/yr | $119 | $3,950 | $5,378 | 4.5★ |
| 4 | Kaiser Permanente Senior Advantage Enhanced (HMO-POS)Kaiser Permanente · HMO-POS3 of 39 counties · drug deductible $0eyewear $75/yr · hearing aids $167/yr per ear | $134 | $4,000 | $5,608 | 4.5★ |
| 5 | Kaiser Permanente Senior Advantage Standard (HMO-POS)Kaiser Permanente · HMO-POS3 of 39 counties · drug deductible $0eyewear $50/yr | $49 | $5,250 | $5,838 | 4.5★ |
| 6 | Humana Gold Plus H1036-321 (HMO)Humana · HMO4 of 39 counties · drug deductible $700Dental up to $4,000/yr · eyewear $400/yr | $0 | $5,900 | $5,900 | 4.5★ |
| 7 | Humana Gold Plus H5619-057 (HMO)Humana · HMO3 of 39 counties · drug deductible $700Dental up to $3,000/yr · eyewear $100/yr | $0 | $5,900 | $5,900 | 4★ |
| 8 | Humana Gold Plus H5619-174 (HMO)Humana · HMO2 of 39 counties · drug deductible $300Dental up to $2,000/yr · eyewear $250/yr | $0 | $5,900 | $5,900 | 4★ |
| 9 | Kaiser Permanente Medicare Advantage Essential Kng (HMO)Kaiser Permanente · HMO1 of 39 counties · drug deductible $0Dental · eyewear $300/yr | $82 | $4,950 | $5,934 | 4.5★ |
| 10 | Kaiser Permanente Medicare Advantage Essential Pce (HMO)Kaiser Permanente · HMO1 of 39 counties · drug deductible $0Dental · eyewear $300/yr | $82 | $4,950 | $5,934 | 4.5★ |
| 11 | Kaiser Permanente Medicare Advantage Essential Sno (HMO)Kaiser Permanente · HMO1 of 39 counties · drug deductible $0Dental · eyewear $300/yr | $82 | $4,950 | $5,934 | 4.5★ |
| 12 | Kaiser Permanente Medicare Advantage Essential Thu (HMO)Kaiser Permanente · HMO1 of 39 counties · drug deductible $0Dental · eyewear $300/yr | $82 | $4,950 | $5,934 | 4.5★ |
| 13 | Humana Gold Plus H1036-322 (HMO)Humana · HMO2 of 39 counties · drug deductible $300Dental up to $3,500/yr · eyewear $250/yr | $0 | $5,990 | $5,990 | 4.5★ |
| 14 | Humana Gold Plus H5619-143 (HMO)Humana · HMO1 of 39 counties · drug deductible $700Dental up to $1,000/yr · eyewear $200/yr | $0 | $6,000 | $6,000 | 4★ |
| 15 | Humana Value Choice (PPO)Humana · PPO8 of 39 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr | $0 | $6,050 | $6,050 | 4★ |
| 16 | Humana Total Complete (HMO)Humana · HMO15 of 39 counties · drug deductible $400Dental up to $1,500/yr · eyewear $100/yr | $0 | $6,310 | $6,310 | 4★ |
| 17 | DEVOTED CORE 001 WA (HMO)Devoted Health · HMO4 of 39 counties · drug deductible $650Dental up to $2,750/yr · eyewear $400/yr · OTC items $168/yr | $0 | $6,550 | $6,550 | Too new to rate |
| 18 | DEVOTED CORE 006 WA (HMO)Devoted Health · HMO6 of 39 counties · drug deductible $650Dental up to $2,750/yr · eyewear $400/yr · OTC items $212/yr | $0 | $6,550 | $6,550 | Too new to rate |
| 19 | MultiCare Health Plan Evergreen Essential (HMO)MultiCare Health Plan Medicare Advantage Evergreen Plans · HMO3 of 39 counties · drug deductible $500Part B giveback $50/mo · Dental up to $200/yr · eyewear $150/yr | $0−$50 Part B giveback | $7,150 | $6,550 | Too new to rate |
| 20 | Kaiser Permanente Medicare Advantage Centennial (HMO)Kaiser Permanente · HMO1 of 39 counties · drug deductible $0Dental | $0 | $6,600 | $6,600 | 4.5★ |
| 21 | AARP Medicare Advantage from UHC WA-7 (HMO-POS)UnitedHealthcare · HMO-POS5 of 39 counties · drug deductible $685Dental · eyewear $100/yr · hearing aids $700/yr | $0 | $6,700 | $6,700 | 3.5★ |
| 22 | DEVOTED CORE 011 WA (HMO)Devoted Health · HMO2 of 39 counties · drug deductible $650Dental up to $1,250/yr · eyewear $200/yr · OTC items $108/yr | $0 | $6,750 | $6,750 | Too new to rate |
| 23 | Kaiser Permanente Medicare Advantage Key King (HMO)Kaiser Permanente · HMO1 of 39 counties · drug deductible $0eyewear $100/yr | $0 | $6,750 | $6,750 | 4.5★ |
| 24 | Kaiser Permanente Medicare Advantage Key Pierce (HMO)Kaiser Permanente · HMO1 of 39 counties · drug deductible $0eyewear $100/yr | $0 | $6,750 | $6,750 | 4.5★ |
| 25 | Kaiser Permanente Medicare Advantage Key Snohomish (HMO)Kaiser Permanente · HMO1 of 39 counties · drug deductible $0eyewear $100/yr | $0 | $6,750 | $6,750 | 4.5★ |
| 26 | Kaiser Permanente Medicare Advantage Key Thurston (HMO)Kaiser Permanente · HMO1 of 39 counties · drug deductible $0eyewear $100/yr | $0 | $6,750 | $6,750 | 4.5★ |
| 27 | Kaiser Permanente Senior Advantage Value (HMO-POS)Kaiser Permanente · HMO-POS3 of 39 counties · drug deductible $0 | $0 | $6,750 | $6,750 | 4.5★ |
| 28 | AARP Medicare Advantage from UHC WA-19 (PPO)UnitedHealthcare · PPO1 of 39 counties · drug deductible $685Preventive dental | $0 | $7,150 | $7,150 | 4.5★ |
| 29 | AARP Medicare Advantage from UHC WA-6 (HMO-POS)UnitedHealthcare · HMO-POS9 of 39 counties · drug deductible $685Dental · eyewear $100/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 30 | AARP Medicare Advantage from UHC WA-8 (HMO-POS)UnitedHealthcare · HMO-POS1 of 39 counties · drug deductible $685Preventive dental | $0 | $7,150 | $7,150 | 3.5★ |
| 31 | Aetna Medicare Signature (HMO)Aetna Medicare · HMO5 of 39 counties · drug deductible $700Preventive dental · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $7,150 | $7,150 | 3.5★ |
| 32 | Aetna Medicare Signature (HMO)Aetna Medicare · HMO1 of 39 counties · drug deductible $700Dental up to $500/yr · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $7,150 | $7,150 | 3.5★ |
| 33 | HealthSpring Preferred (HMO)HealthSpring · HMO1 of 39 counties · drug deductible $500Dental up to $1,200/yr · eyewear $225/yr · OTC items $100/yr | $0 | $7,150 | $7,150 | 4★ |
| 34 | MultiCare Health Plan Evergreen Enhanced (HMO)MultiCare Health Plan Medicare Advantage Evergreen Plans · HMO3 of 39 counties · drug deductible $300Dental up to $650/yr · eyewear $300/yr · hearing aids $600/yr per ear · OTC items $180/yr | $0 | $7,150 | $7,150 | Too new to rate |
| 35 | Kaiser Permanente Medicare Advantage Vital Sound (HMO)Kaiser Permanente · HMO4 of 39 counties · drug deductible $0eyewear $150/yr | $55 | $6,500 | $7,160 | 4.5★ |
| 36 | SCAN Classic WA (HMO)SCAN Health Plan · HMO3 of 39 counties · drug deductible $550Dental up to $1,500/yr · eyewear $175/yr | $1 | $7,150 | $7,162 | Too new to rate |
| 37 | DEVOTED GIVEBACK EXTRAS 020 WA (HMO)Devoted Health · HMO6 of 39 counties · drug deductible $700Part B giveback $70/mo · Dental up to $3,000/yr · eyewear $400/yr · OTC items $308/yr | $0−$70 Part B giveback | $8,100 | $7,260 | Too new to rate |
| 38 | AARP Medicare Advantage from UHC WA-18 (PPO)UnitedHealthcare · PPO21 of 39 counties · drug deductible $685Preventive dental · eyewear $125/yr · hearing aids $700/yr | $10 | $7,150 | $7,270 | 4.5★ |
| 39 | DEVOTED GIVEBACK EXTRAS 021 WA (HMO)Devoted Health · HMO2 of 39 counties · drug deductible $700Part B giveback $70/mo · Dental up to $1,500/yr · eyewear $250/yr · OTC items $308/yr | $0−$70 Part B giveback | $8,200 | $7,360 | Too new to rate |
| 40 | AARP Medicare Advantage from UHC WA-0005 (HMO-POS)UnitedHealthcare · HMO-POS13 of 39 counties · drug deductible $685Preventive dental · eyewear $125/yr · hearing aids $1,000/yr | $55 | $6,700 | $7,360 | 3.5★ |
| 41 | DEVOTED GIVEBACK EXTRAS 022 WA (HMO)Devoted Health · HMO4 of 39 counties · drug deductible $700Part B giveback $75/mo · Dental up to $3,000/yr · eyewear $400/yr · OTC items $564/yr | $0−$75 Part B giveback | $8,300 | $7,400 | Too new to rate |
| 42 | AARP Medicare Advantage from UHC WA-15 (HMO-POS)UnitedHealthcare · HMO-POS1 of 39 counties · drug deductible $685Dental up to $2,000/yr · eyewear $100/yr · hearing aids $700/yr | $28 | $7,150 | $7,486 | 3.5★ |
| 43 | DEVOTED CHOICE 001 WA (PPO)Devoted Health · PPO8 of 39 counties · drug deductible $461Dental up to $2,000/yr · eyewear $400/yr · OTC items $300/yr | $0 | $7,500 | $7,500 | Not rated |
| 44 | AARP Medicare Advantage from UHC WA-14 (HMO-POS)UnitedHealthcare · HMO-POS9 of 39 counties · drug deductible $685Dental up to $2,000/yr · eyewear $125/yr · hearing aids $1,000/yr | $35 | $7,150 | $7,570 | 3.5★ |
| 45 | Kaiser Permanente Medicare Advantage Optimal (HMO)Kaiser Permanente · HMO7 of 39 counties · drug deductible $0Dental · eyewear $200/yr | $373 | $3,150 | $7,626 | 4.5★ |
| 46 | Wellcare Premium Enhanced Open (PPO)Wellcare · PPO1 of 39 counties · drug deductible $700Dental · eyewear $100/yr · hearing aids $350/yr per ear | $76.60 | $7,000 | $7,919 | 3★ |
| 47 | DEVOTED CHOICE GIVEBACK 002 WA (PPO)Devoted Health · PPO8 of 39 counties · drug deductible $461Part B giveback $143/mo · Dental up to $250/yr · eyewear $200/yr | $0−$143 Part B giveback | $9,850 | $8,134 | Not rated |
| 48 | Regence BlueAdvantage HMO (HMO)Regence BlueShield · HMO2 of 39 counties · drug deductible $400Dental up to $1,500/yr · eyewear $150/yr | $188 | $5,900 | $8,156 | Not rated |
| 49 | DEVOTED GIVEBACK 007 WA (HMO)Devoted Health · HMO6 of 39 counties · drug deductible $650Part B giveback $141/mo · Dental up to $250/yr · eyewear $200/yr | $0−$141 Part B giveback | $9,850 | $8,158 | Too new to rate |
| 50 | DEVOTED GIVEBACK 012 WA (HMO)Devoted Health · HMO2 of 39 counties · drug deductible $650Part B giveback $141/mo · Dental up to $250/yr · eyewear $200/yr | $0−$141 Part B giveback | $9,850 | $8,158 | Too new to rate |
| 51 | HumanaChoice H5216-048 (PPO)Humana · PPO33 of 39 counties · drug deductible $700Dental · eyewear $100/yr | $97 | $7,000 | $8,164 | 4★ |
| 52 | Humana Essentials Plus Giveback (HMO)Humana · HMO3 of 39 counties · drug deductible $700Part B giveback $71/mo · Dental · eyewear $250/yr | $0−$71 Part B giveback | $9,050 | $8,198 | 4.5★ |
| 53 | Aetna Medicare Enhanced (PPO)Aetna Medicare · PPO5 of 39 counties · drug deductible $700Dental up to $1,000/yr · eyewear $150/yr · hearing aids $1,250/yr per ear | $63 | $7,500 | $8,256 | 4★ |
| 54 | Aetna Medicare Enhanced (PPO)Aetna Medicare · PPO1 of 39 counties · drug deductible $700Dental up to $1,250/yr · eyewear $150/yr · hearing aids $1,000/yr per ear · OTC items $100/yr | $68 | $7,500 | $8,316 | 4★ |
| 55 | HumanaChoice H7617-016 (PPO)Humana · PPO36 of 39 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr | $110 | $7,000 | $8,320 | 4.5★ |
| 56 | Regence MedAdvantage + Rx Primary (PPO)Regence BlueCross BlueShield of Oregon · PPO1 of 39 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr | $105 | $7,150 | $8,410 | 3.5★ |
| 57 | DEVOTED GIVEBACK 002 WA (HMO)Devoted Health · HMO4 of 39 counties · drug deductible $650Part B giveback $118/mo · Dental up to $250/yr · eyewear $200/yr | $0−$118 Part B giveback | $9,850 | $8,434 | Too new to rate |
| 58 | Regence MedAdvantage + Rx Classic (PPO)Regence BlueCross BlueShield of Oregon · PPO1 of 39 counties · drug deductible $590Dental up to $1,250/yr · eyewear $100/yr | $160 | $6,700 | $8,620 | 3.5★ |
| 59 | Regence MedAdvantage + Rx Enhanced (PPO)Regence BlueCross BlueShield of Oregon · PPO1 of 39 counties · drug deductible $305Dental up to $1,500/yr · eyewear $150/yr | $233 | $5,900 | $8,696 | 3.5★ |
| 60 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO6 of 39 counties · drug deductible $700Preventive dental · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $8,900 | $8,900 | 4★ |
| 61 | Regence MedAdvantage + Rx Enhanced (PPO)Regence BlueShield · PPO5 of 39 counties · drug deductible $700Dental up to $1,500/yr · eyewear $150/yr | $201 | $6,900 | $9,312 | 4★ |
| 62 | Wellcare Low Premium Open (PPO)Wellcare · PPO1 of 39 counties · drug deductible $700Dental · hearing aids $350/yr per ear | $29 | $9,250 | $9,598 | 3★ |
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 · PPO31 of 39 countiesPart B giveback $43/mo · Dental up to $2,500/yr · eyewear $150/yr | $0−$43 Part B giveback | $5,100 | $4,584 | 4★ |
| 2 | Aetna Medicare Eagle (HMO)Aetna Medicare · HMO6 of 39 countiesPart B giveback $50/mo · Dental up to $1,500/yr · eyewear $200/yr · hearing aids $1,000/yr per ear · OTC items $180/yr | $0−$50 Part B giveback | $5,500 | $4,900 | 3.5★ |
| 3 | Regence Valiance (PPO)Regence BlueCross BlueShield of Oregon · PPO1 of 39 countiesDental up to $1,500/yr · eyewear $100/yr | $0 | $5,300 | $5,300 | 3.5★ |
| 4 | AARP Medicare Advantage Patriot No RX WA-MA3 (PPO)UnitedHealthcare · PPO13 of 39 countiesPart B giveback $140/mo · Dental up to $3,000/yr · eyewear $125/yr · hearing aids $700/yr | $0−$140 Part B giveback | $7,150 | $5,470 | 4.5★ |
| 5 | Kaiser Permanente Medicare Advantage Basic (HMO)Kaiser Permanente · HMO9 of 39 countiesDental · eyewear $150/yr | $106 | $4,200 | $5,472 | 4.5★ |
| 6 | AARP Medicare Advantage Patriot No Rx WA-MA02 (HMO-POS)UnitedHealthcare · HMO-POS14 of 39 countiesPart B giveback $135/mo · Dental up to $2,000/yr · eyewear $125/yr · hearing aids $1,000/yr | $0−$135 Part B giveback | $7,150 | $5,530 | 3.5★ |
| 7 | Aetna Medicare Eagle (PPO)Aetna Medicare · PPO6 of 39 countiesPart B giveback $85/mo · Dental up to $2,000/yr · eyewear $300/yr · hearing aids $1,000/yr per ear · OTC items $300/yr | $0−$85 Part B giveback | $7,150 | $6,130 | 4★ |
| 8 | Humana USAA Honor Giveback (PPO)Humana · PPO33 of 39 countiesPart B giveback $100/mo · Dental up to $1,500/yr · eyewear $150/yr | $0−$100 Part B giveback | $9,150 | $7,950 | 4★ |
| 9 | Humana USAA Honor Giveback (PPO)Humana · PPO36 of 39 countiesPart B giveback $100/mo · Dental up to $1,500/yr · eyewear $150/yr | $0−$100 Part B giveback | $9,150 | $7,950 | 4.5★ |
County pages
Benton County · Clark County · Cowlitz County · King County · Kitsap County · Pierce County · Skagit County · Snohomish County · Spokane County · Thurston County · Whatcom County · Yakima County
Questions
How many Medicare Advantage plans are available in Washington for 2027?
CMS lists 62 general-audience Medicare Advantage plans with drug coverage in Washington for 2027, from 10 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 Washington?
Yes. 35 of the 62 plans have a $0 monthly plan premium in 2027. You still pay the Part B premium ($202.90 a month in 2026).
Which Washington Medicare Advantage plan has the lowest worst-case cost?
Kaiser Permanente Medicare Advantage Columbia (HMO) from Kaiser Permanente: $85 a month with an in-network out-of-pocket maximum of $3,950, so at most about $4,970 in premiums and in-network costs for the year. It is offered in 1 of 39 counties.
Which Washington Medicare Advantage plans have 4 or more stars?
34 of the 62 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 Washington Medicare Advantage plans have a Part B giveback?
9 of the 62 plans lower your Part B premium (a "giveback"), according to their 2027 benefit filings with CMS. The largest is $143 a month, from DEVOTED CHOICE GIVEBACK 002 WA (PPO). A giveback plan isn't automatically cheaper: compare its worst-case year and its network.
What is the typical out-of-pocket maximum in Washington?
The median in-network out-of-pocket maximum among these plans is $6,750. 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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