Best Medicare Advantage Plans in Indiana (2026)

Key Takeaways

There are eight Indiana Medicare Advantage providers with a total of 65 plans ranging from $0 to $100 per month. Available plan types include HMO, HMO-POS, PPO and PFFS.

Essence Healthcare has the top HMO Medicare Advantage plans in Indiana, while UnitedHealthcare has the best HMO-POS plans and Humana has the best PPO and PFFS options.

When comparing Medicare Advantage options in Indiana, check that your preferred doctors and hospitals are in-network, your prescriptions are covered and total out-of-pocket costs fit your budget.

Best Medicare Advantage Providers in Indiana

We analyzed the best Indiana Medicare Advantage plans to identify top providers across different plan types. Our research evaluated CMS star ratings, premium costs, and maximum out-of-pocket expenses to find insurers offering the strongest value and coverage combinations.

Essence Healthcare offers HMO Medicare Advantage plans in Indiana thanks to its strong 4.5-star rating, $0 monthly premium, and the lowest average maximum out-of-pocket cost of $3,350. For members who want more flexibility, UnitedHealthcare is the top HMO-POS option, offering a $0 premium plan with a 4-star rating and a higher average MOOP of $5,815. Humana leads for broader-access plans, ranking best for both PPO and PFFS options.


HMO	Essence Healthcare	4.5	$0	$3,350	Essence Advantage (HMO)
HMO-POS	UnitedHealthcare	4	$0	$5,815	AARP Medicare Advantage Essentials from UHC IN-10 (HMO-POS)
PPO	Humana	4	$0	$9,150	HumanaChoice Giveback H7617-003 (PPO)
PFFS	Humana	3.5	$37	$3,950	Humana Gold Choice H8145-032 (PFFS)

Medicare Advantage Plans Explained

Medicare Advantage plans provide extra benefits like dental, vision, and wellness programs that Original Medicare doesn't cover. Private insurance companies offer these plans while covering all your Part A and Part B services.

CMS Star Ratings: These ratings measure how well plans perform on quality care and customer service. Plans with 4 or 5 stars offer better overall experiences for members.
Monthly premiums: You'll pay this amount each month to keep your plan active. This cost comes in addition to your standard Medicare Part B premium.
Maximum out-of-pocket (MOOP) limits: This cap protects you from unlimited medical bills each year. Once you reach this amount, your plan pays all remaining covered costs.
Prescription drug coverage: Most plans bundle medication coverage directly into your benefits package. This helps lower your costs when filling prescriptions at the pharmacy.

Essence Healthcare

Best HMO

MoneyGeek Rating

4.8/ 5

5/5Affordability

5/5Quality

2.8/5Availability

CMS Star Rating
4.5
Plan Types
HMO, PPO

pros
- $0 HMO premium
- Strong 4.5 star rating for HMO plan
cons
- No HMO-POS plans
- Limited plan options
- Lower 3.0-star rating for PPO plan
Essence Healthcare offers two options: one PPO plan and one HMO plan. The Advantage Choice PPO costs $20 per month, carries a $4,150 maximum out-of-pocket limit, earns a 3-star Medicare rating, and includes Part D coverage with no drug deductible plus added out-of-network flexibility.

The Advantage HMO offers a $0 monthly premium, a lower $3,350 MOOP and a higher 4.5-star rating. While both plans offer enhanced prescription benefits, the HMO’s combination of no premium, lower cost and better quality scores makes it the better fit for most shoppers.

UnitedHealthcare

Best HMO-POS

MoneyGeek Rating

4.5/ 5

4.1/5Affordability

5/5Quality

5/5Availability

CMS Star Rating
4.0
Plan Types
HMO-POS, PPO

pros
- 12 out of 14 plans have no premium
- All plans have a 4-star CMS rating
- Broad plan selection and options
cons
- No HMO plans
- Out-of-pocket limits up to $6,700
UnitedHealthcare offers 16 AARP-branded Medicare Advantage plans, all with 4-star ratings. Its eight PPO options range from $0 to $49 per month, with maximum out-of-pocket limits between $3,700 and $6,700. Five PPO plans have $0 premiums, with the IN-001P standing out for value thanks to a $4,200 MOOP cap.

The eight HMO-POS plans have $0 monthly premiums. Three options (IN-10, IN-12, and IN-13) feature low $3,900 MOOP limits, while the remaining plans cap costs at $5,900 or $6,700. All plans include Part D coverage with no drug deductible and enhanced benefits, making the low-MOOP HMO-POS options the top choice.

Humana

Best PPO and PFFS

MoneyGeek Rating

4.5/ 5

4/5Affordability

5/5Quality

5/5Availability

CMS Star Rating
4.0
Plan Types
HMO, HMO-POS, PPO, PFFS

pros
- All plan types available
- 16 of 23 plans have $0 premium
cons
- MOOP limits as high as $9,150
- HMO and HMO-POS plans have 3-star rating
Humana offers 23 Medicare Advantage plans in Indiana across PPO, Regional PPO, HMO-POS, HMO and PFFS options. Its 18 PPO plans earn 3.5 to 4.5 stars, most with $0 monthly premiums and MOOP limits from $5,850 to $9,150, though a few higher-premium plans feature lower out-of-pocket caps. The HumanaChoice H7617-050 PPO stands out with 4.5 stars, $0 premium, and a $6,250 MOOP.

Humana's HMO-POS plans feature $0 premiums with MOOPs between $4,250 and $4,850, while the insurer's single HMO plan caps costs at $5,450. Humana also has the state's only PFFS plan, which has a $37 monthly premium and a low MOOP of $3,950. All Humana plans include prescription drug coverage with enhanced benefits.

Best Indiana HMO Medicare Advantage Providers

Out-of-pocket maximums for HMO Medicare Advantage plans in Indiana range from $3,300 to $5,775, averaging $4,469 annually among leading providers. Indiana’s HMO market includes several plans with $0 monthly premiums, competitive CMS star ratings, and comprehensive Part D prescription drug coverage.

Essence Healthcare earns the highest CMS rating at 4.5 stars, offering one HMO plan with a $0 monthly premium and a relatively low $3,350 maximum out-of-pocket limit, making it the strongest overall option.
MyTruAdvantage provides one HMO plan with a $0 monthly premium, a 3.5-star CMS rating, and the lowest average MOOP at $3,300, delivering strong value for cost-conscious beneficiaries.
Humana offers one HMO plan in Indiana with a $0 monthly premium and a 3.0-star CMS rating. While its $5,450 maximum out-of-pocket limit is higher than some competitors, Humana’s national presence and plan stability make it a reliable option for beneficiaries seeking broad experience in Medicare Advantage coverage.


Essence Healthcare	4.50	$0	$3,350	1	4.76
MyTruAdvantage	3.50	$0	$3,300	1	4.33
Humana	3.00	$0	$5,450	1	4.08
Anthem	4.00	$13	$5,775	2	3.55

HMO PROS AND CONS

HMO Medicare Advantage plans require you to stay within their provider networks and get referrals from your primary care doctor before seeing specialists. You will pay lower premiums and out-of-pocket costs, and you will have coordinated care.

Best Indiana HMO-POS Medicare Advantage Providers

HMO-POS Medicare Advantage plans offer flexibility through out-of-network access while maintaining reasonable costs. Indiana has 17 HMO-POS plans available from five providers, with 14 plans charging $0 monthly premiums. Maximum out-of-pocket limits range from $3,900 to $5,944, averaging $5,250.

UnitedHealthcare is the best HMO-POS Medicare Advantage provider in Indiana with eight plans all carrying a 4.0-star CMS rating. These plans have no monthly premiums and cap annual out-of-pocket costs at an average of $5,815, offering a strong balance of quality and plan variety.
Humana is a cost-effective option with three HMO-POS plans, all priced at $0 monthly premiums. With the lowest average MOOP at $4,416 and a 3.0-star CMS rating, Humana appeals to beneficiaries prioritizing affordability.
Aetna rounds out the top providers with one HMO-POS plan charging a $0 monthly premium, a 3.0-star CMS rating, and an average maximum out-of-pocket limit of $5,944, making it a viable option for members seeking nationwide insurer support with out-of-network flexibility.


UnitedHealthcare	4.00	$0	$5,815	8	4.55
Humana	3.00	$0	$4,416	3	4.42
Aetna	3.00	$0	$5,944	1	3.97
Anthem	3.56	$23	$4,828	3	3.75

HMO-POS PROS AND CONS

HMO-POS plans suit people who want coordinated, affordable care while still being able to visit out-of-network providers. These hybrid plans offer lower premiums typical of HMOs while letting you access specialists or doctors outside your network, though you'll pay more for out-of-network services.

Best Indiana PPO Medicare Advantage Providers

PPO Medicare Advantage plans offer greater provider flexibility in Indiana but come with higher costs. The state has 38 PPO plans across eight providers, with 22 plans charging $0 monthly premiums. All PPO plans include enhanced Part D prescription drug coverage, and 37 of 38 plans waive deductibles on select medication tiers, adding value despite higher cost exposure.

Humana is the best PPO provider in the state with 17 plans, all earning 4.0-star CMS ratings and charging $0 monthly premiums. However, Humana’s $9,150 average MOOP is among the highest in the state, reflecting the cost trade-off for broad access.
Aetna offers three PPO plans with an average $13 monthly premium, a $5,970 maximum out-of-pocket limit, and the highest CMS rating at 4.5 stars, making it the strongest option for beneficiaries prioritizing quality ratings.
Zing Health has one PPO plan charging a $0 monthly premium, featuring a 3.0-star CMS rating and an average $6,350 maximum out-of-pocket limit.


Humana	4.00	$0	$9,150	17	4.50
Aetna	4.50	$13	$5,970	3	4.28
Zing Health	3.00	$0	$6,350	1	4.25
UnitedHealthcare	4.00	$17	$5,109	8	4.17
MyTruAdvantage	3.00	$17	$3,900	2	3.86
Essence Healthcare	3.00	$20	$4,150	1	3.79
Anthem	3.50	$28	$6,750	3	3.40

PPO PROS AND CONS

You'll pay more with PPO Medicare Advantage plans through higher monthly premiums and out-of-pocket maximums, but you get complete provider freedom. These plans let you visit any Medicare-approved doctor without referrals and give you access to both in-network and out-of-network care, though staying in-network keeps costs lower.

How to Find the Best Indiana Medicare Advantage Plans

Finding the right Medicare Advantage plan means looking beyond monthly premiums to consider your health care needs, prescription drugs and total budget.

1
Check Your Doctor and Hospital Network
Verify that your current doctors, specialists and preferred hospitals participate in the plan's network. HMO plans restrict you to in-network providers except for emergencies, while PPO plans allow out-of-network access at higher costs. Understanding health insurance network types helps you pick what works best for you.
2
Compare Maximum Out-of-Pocket Costs
The maximum out-of-pocket limit represents the most you'll pay for covered services annually, helping you understand your financial exposure. For example, a plan with a $0 premium but $7,833 maximum out-of-pocket costs might exceed a $29 premium plan capped at $6,750 if you need regular medical care throughout the year.
3
Review Prescription Drug Coverage
Check that your medications appear on the plan's drug formulary and understand their tier placement, which directly affects your costs. Most Medicare Advantage plans include Part D prescription drug coverage, though some require separate enrollment.
4
Evaluate Additional Benefits
Medicare Advantage plans cover dental care, vision services, hearing aids, fitness memberships and transportation to medical appointments. Compare which additional services each plan offers.
5
Consider CMS Star Ratings
Review each plan's CMS star rating, which measures quality and performance on a scale of 1 to 5 stars. These ratings evaluate member satisfaction, quality of care and health outcomes. Plans earning 4 or 5 stars deliver superior customer service.

Average Indiana Medicare Advantage Cost

Network structure plays a key role in determining Medicare Advantage costs in Indiana. Plans with more restricted provider networks generally offer lower premiums and out-of-pocket limits, while broader network options are more expensive.

HMO plans are the most affordable, with $0 median monthly premiums and $4,471 average out-of-pocket maximums. HMO-POS plans add limited out-of-network flexibility, increasing costs to $9 in average monthly premiums and $5,277 MOOP limits. PPO plans provide broader access, averaging $14 per month with $6,198 maximum out-of-pocket expenses. PFFS plans carry higher $37 average monthly premiums but feature lower $3,950 MOOP limits.


HMO	$0	$4	$4,471
HMO-POS	$0	$9	$5,277
PFFS	$37	$37	$3,950
PPO	$0	$14	$6,198
Regional PPO	$58	$59	$9,200

Best Indiana Medicare Advantage: FAQ

Get answers about Indiana Medicare Advantage plans:

When can I enroll in a Medicare Advantage plan in Indiana?

In Indiana, enrollment occurs during the Annual Enrollment Period from Oct. 15 to Dec. 7, or the Medicare Advantage Open Enrollment Period from Jan. 1 to March 31. You may also enroll during a Special Enrollment Period if you qualify due to relocating or losing other coverage.

Does Medicare Advantage cover prescription drugs in Indiana?

Yes, most Medicare Advantage plans in Indiana include prescription drug coverage as part of their benefits package. Before enrolling, confirm your medications appear on the plan's formulary and review their tier levels, since higher tiers result in increased out-of-pocket costs at the pharmacy.

Do I need to change Medicare Advantage plans if I move to a different county in Indiana?

Moving to a different county may require changing your Medicare Advantage plan since provider networks and plan availability vary by location. Contact your current plan within 30 days of relocating to verify coverage in your new area and explore using a Special Enrollment Period if needed.

Our Methodology: How We Chose the Best Indiana Medicare Advantage Plans

MoneyGeek assessed Medicare Advantage plans in Indiana using three core criteria:

Affordability (50%): Costs represent half the total score due to their immediate effect on your spending. We analyzed combined monthly premiums for Part C and Part D coverage (weighted at 30%) and in-network maximum out-of-pocket limits (weighted at 20%). Plans with lower premiums and MOOP thresholds score higher by reducing annual health care expenses.
Star Ratings (40%): CMS star ratings evaluate plan performance in care quality, customer service and member experience. The Overall Star Rating merges Part C (medical benefits) and Part D (prescription drug coverage) scores into one rating on a 1 to 5-star scale. Higher-rated plans score better in our evaluation.
Availability (10%): We consider each insurer's coverage area across the United States. Providers serving more states score higher, as broader availability indicates more robust infrastructure, better support and better continuity if you relocate.

These factors create a fair comparison of Medicare Advantage plans, weighing costs against care quality and service.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

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