Medicare Advantage plans in Franklin, MO, 2027
Franklin, Missouri has 40 Medicare Advantage plans open to everyone for 2027 (38 in 2026) and 29 special needs plans, according to the CMS landscape files; 31 of the open plans have a $0 premium. 6 plans that served the county in 2026 end or leave it, with 220 members living here in September 2026.
What changes in Franklin for 2027?
| In the county | 2026 | 2027 | Change |
|---|---|---|---|
| Plans open to everyone | 38 | 40 | ▲up 2 |
| Special needs plans | 23 | 29 | ▲up 6 |
| Plans with a $0 premium | 30 | 31 | ▲up 1 |
| Plans that lower the Part B premium | 16 | 11 | ▼down 5 |
| Median out-of-pocket limit | $4,500 | $4,900 | ▲up $400 |
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision); CMS plan benefit package files, 2027 and 2026.
Which plans can anyone in Franklin join?
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| Humana Total CompleteH0028-014 · HMO | $0 | $2,850 | none | 3.5 of 5 |
| Humana Total CompleteH4461-046 · HMO | $0 | $2,850 | none | 4 of 5 |
| Devoted Core 001 MOH2041-001 · HMO | $0 | $3,100 | none | not rated (too new) |
| Essence AdvantageH2610-005 · HMO | $0 | $3,400 | none | 4.5 of 5 |
| Aetna Medicare SignatureH2663-005 · HMO-POS | $0 | $3,400 | none | 4 of 5 |
| Wellcare Patriot Giveback OpenH7518-002 · PPO | $0 | $4,000 | $95 | 3 of 5 |
| AARP Medicare Advantage from UHC ST-1PH2802-071 · HMO-POS | $0 | $4,100 | none | 4 of 5 |
| Humana Essentials Plus GivebackH0028-065 · HMO | $0 | $4,200 | $60 | 3.5 of 5 |
| Humana Essentials Plus GivebackH4461-045 · HMO | $0 | $4,200 | $60 | 4 of 5 |
| Humana Value ChoiceH7617-023 · PPO | $0 | $4,400 | none | 4.5 of 5 |
| Essence Advantage SelectH2610-016 · HMO | $0 | $4,450 | none | 4.5 of 5 |
| AARP Medicare Advantage Essentials from UHC ST-3H2802-028 · HMO-POS | $0 | $4,450 | none | 4 of 5 |
| Anthem Medicare AdvantageH3447-038 · HMO-POS | $0 | $4,450 | none | 3.5 of 5 |
| Humana Value ChoiceH5216-318 · PPO | $0 | $4,450 | none | 3.5 of 5 |
| Humana USAA Honor GivebackH5216-278 · PPO | $0 | $4,700 | $150 | 3.5 of 5 |
| Humana USAA Honor GivebackH7617-012 · PPO | $0 | $4,700 | $150 | 4.5 of 5 |
| Aetna Medicare Elite Classic ExtraH1608-067 · PPO | $0 | $4,900 | none | 4 of 5 |
| Aetna Medicare EagleH2663-069 · HMO-POS | $0 | $4,900 | $150 | 4 of 5 |
| Aetna Medicare EliteH5521-750 · PPO | $0 | $4,900 | none | 4.5 of 5 |
| Devoted Giveback Extras 028 MOH2041-028 · HMO | $0 | $5,100 | $80 | not rated (too new) |
Show the other 20 plans, by premium
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| Aetna Medicare Value PlusH2663-057 · HMO-POS | $0 | $5,500 | none | 4 of 5 |
| Humana USAA Honor GivebackR1532-001 · Regional PPO | $0 | $5,500 | $37 | 2.5 of 5 |
| Aetna Medicare Elite ClassicH1608-050 · PPO | $0 | $5,900 | none | 4 of 5 |
| AARP Medicare Advantage Patriot No Rx MO-MA01H2802-050 · HMO-POS | $0 | $5,900 | $170 | 4 of 5 |
| Humana Full AccessH5216-407 · PPO | $0 | $6,350 | none | 3.5 of 5 |
| Humana Full AccessH7617-008 · PPO | $0 | $6,600 | none | 4.5 of 5 |
| Anthem VeteranH4909-021 · PPO | $0 | $6,751 | $70 | 3.5 of 5 |
| Wellcare SimpleH1664-001 · HMO-POS | $0 | $7,100 | none | 3 of 5 |
| Wellcare Simple OpenH7518-001 · PPO | $0 | $7,100 | none | 3 of 5 |
| Devoted Giveback 002 MOH2041-002 · HMO | $0 | $7,150 | $164.80 | not rated (too new) |
| AARP Medicare Advantage CareFlex from UHC ST-6H2802-073 · HMO-POS | $0 | $7,150 | none | 4 of 5 |
| AARP Medicare Advantage Extras from UHC ST-4H2802-052 · HMO-POS | $19 | $4,450 | none | 4 of 5 |
| Essence Advantage ChoiceH6200-001 · PPO | $40 | $9,850 | none | 3.5 of 5 |
| AARP Medicare Advantage from UHC ST-0001H2406-043 · PPO | $58 | $7,150 | none | 4 of 5 |
| Essence Advantage PlusH2610-006 · HMO | $59 | $2,900 | none | 4.5 of 5 |
| Aetna Medicare Enhanced ExtraH2663-006 · HMO-POS | $59 | $5,900 | none | 4 of 5 |
| Aetna Medicare Enhanced ClassicH1608-013 · PPO | $70 | $7,500 | none | 4 of 5 |
| Aetna Medicare EnhancedH5521-748 · PPO | $70 | $7,500 | none | 4.5 of 5 |
| HumanaChoiceR1532-002 · Regional PPO | $119 | $7,700 | none | 2.5 of 5 |
| Essence Advantage Premier PlusH6200-008 · PPO | $264 | $2,900 | none | 3.5 of 5 |
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision); CMS plan benefit package files, 2027 and 2026. Stars are the contract's 2026 rating. confirm on Medicare Plan Finder.
Which plans leave Franklin in 2027?
Members of these plans here choose a 2027 plan during open enrollment, October 15 to December 7, 2026; choosing by December 31 means no gap; because their plan is leaving the county, they can still join until the end of February 2027, with coverage from the first of the next month. Each plan's page says what happens to its members.
| 2026 plan | Members here, Sept. 2026 | For 2027 |
|---|---|---|
| AARP Medicare Advantage from UHC ST-2H2406-069 | 200 | Not offered |
| UHC Complete Care Support AM-1AR3444-008 | 20 | Not offered |
| Provider Partners Missouri Community PlanH9191-004 | fewer than 11 | Not offered |
| Provider Partners Missouri Essential PlanH9191-005 | fewer than 11 | Not offered |
| UHC Complete Care AM-1R3444-009 | fewer than 11 | Not offered |
| UHC Medicare Advantage AM-0002R3444-012 | fewer than 11 | Not offered |
Source: CMS plan crosswalk from 2026 to 2027 (Oct. 1, 2026); CMS monthly enrollment by plan and by county, September 2026 (CMS hides counts under 11); CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).
Which special needs plans are sold here?
Open only to people with Medicaid as well as Medicare, with certain chronic conditions, or living in an institution.
| Plan | Who can join | Premium |
|---|---|---|
| Humana Gold Plus: Diabetes and HeartH0028-051 | Chronic or Disabling Condition | $0 |
| Devoted Dual 008 MOH2041-008 | Dual-Eligible | $0 |
| Provider Partners Missouri Community PlanH9191-006 | Institutional | $0 |
| Devoted C-SNP Enhanced 015 MOH2041-015 | Chronic or Disabling Condition | $0 |
| UHC Dual Advantage MO-V1H0169-015 | Dual-Eligible | $0 |
| UHC Complete Care MO-1H2001-055 | Chronic or Disabling Condition | $0 |
| Devoted C-SNP Giveback Extras 029 MOH2041-029 | Chronic or Disabling Condition | $0 |
| Aetna Medicare Chronic CareH2663-102 | Chronic or Disabling Condition | $0 |
| Wellcare Home State Health Dual AccessH1664-005 | Dual-Eligible | $0 |
| Devoted Dual Plus 007 MOH2041-007 | Dual-Eligible | $0 |
| Devoted Dual Full 011 MOH2041-011 | Dual-Eligible | $0 |
| Devoted C-SNP Plus 016 MOH2041-016 | Chronic or Disabling Condition | $0 |
| Aetna Medicare LongevityH2663-113 | Institutional | $0 |
| Anthem Full Dual AdvantageH3447-018 | Dual-Eligible | $0 |
| Anthem Full Dual Advantage 2H3447-053 | Dual-Eligible | $0 |
| HumanaChoice SNP-DEH5216-164 | Dual-Eligible | $0 |
| Aetna Medicare DualH5325-005 | Dual-Eligible | $0 |
| Aetna Medicare Full DualH5325-014 | Dual-Eligible | $0 |
| Wellcare Home State Health Dual Access OpenH7518-003 | Dual-Eligible | $0 |
| HumanaChoice SNP-DEH7617-006 | Dual-Eligible | $0 |
Show the other 9 special needs plans
| Plan | Who can join | Premium |
|---|---|---|
| Aetna Medicare Full Dual ExtraH2663-112 | Dual-Eligible | $1.80 |
| UHC Dual Complete MO-Q1H0169-002 | Dual-Eligible | $2.60 |
| UHC Dual Complete MO-S3H0169-014 | Dual-Eligible | $8.90 |
| Provider Partners Missouri Essential PlanH9191-007 | Institutional | $14.50 |
| Wellcare Home State Health Dual ReserveH1664-012 | Dual-Eligible | $18.40 |
| UHC Dual Complete MO-Q2H2001-040 | Dual-Eligible | $18.40 |
| American Health Advantage of MissouriH4490-001 | Institutional | $18.40 |
| American Health Advantage of Missouri ChoiceH4490-003 | Institutional | $18.40 |
| Provider Partners Missouri Advantage PlanH9191-001 | Institutional | $18.40 |
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).
How many people in Franklin use Medicare Advantage?
20,347 of the county's 27,378 people with Medicare were in a Medicare Advantage plan in September 2026, 74.3%; in Missouri as a whole the share is 54.6%.
Source: CMS Medicare Advantage state and county penetration, September 2026.
What else should you check?
- Medicare Advantage in MissouriEvery county of the state
- 9 stand-alone drug plans in MissouriIf you keep Original Medicare
- Is your plan ending?Every plan not offered in 2027