Best Medicare Advantage Plans in Indiana (2026)

The best Medicare Advantage plans in Indiana for the 2026 plan year include Essence Healthcare, UnitedHealthcare and Humana.

Compare Indiana Medicare Advantage options and find a plan that fits your budget and health needs.

Written by Mark Fitzpatrick

Updated: February 25, 2026

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Key Takeaways

Eight Indiana Medicare Advantage providers offer 65 plans ranging from $0 to $100 per month. Plan types include HMO, HMO-POS, PPO and PFFS.

Essence Healthcare has the best 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 leads for HMO Medicare Advantage in Indiana with a 4.5-star CMS rating, a $0 monthly premium and the lowest average MOOP at $3,350. UnitedHealthcare is the top HMO-POS option, with a $0 premium, a 4-star rating and an 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 include prescription drug coverage. This can lower what you pay 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-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 MOOP, earns a 3-star CMS rating and includes Part D coverage with no drug deductible plus out-of-network flexibility.

The Advantage HMO charges $0 per month, caps costs at $3,350 and earns a 4.5-star CMS rating. For most Indiana shoppers, the HMO's lower cost and higher quality score make it the stronger pick.

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
- Eight HMO-POS and eight PPO plan options
cons
- No HMO plans
- Out-of-pocket limits up to $6,700
UnitedHealthcare offers 16 AARP-branded Medicare Advantage plans in Indiana, all rated 4 stars by CMS. 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 charge $0 premiums; the IN-001P pairs that $0 premium with a $4,200 MOOP cap.

All eight HMO-POS plans also charge $0 monthly premiums. Three (IN-10, IN-12 and IN-13) cap annual costs at $3,900; the rest top out at $5,900 or $6,700. Every plan includes Part D coverage with no drug deductible, so the low-MOOP HMO-POS options offer the best overall value.

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 has 23 Medicare Advantage plans in Indiana across PPO, Regional PPO, HMO-POS, HMO and PFFS plan types. Its 18 PPO plans are rated 3.5 to 4.5 stars; most charge $0 monthly premiums with MOOP limits from $5,850 to $9,150, though a few higher-premium plans have lower out-of-pocket caps. The HumanaChoice H7617-050 PPO earns 4.5 stars with a $0 premium and a $6,250 MOOP.

Humana's HMO-POS plans have $0 premiums with MOOPs between $4,250 and $4,850; its one 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 no drug deductible.

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 per year among top providers. Most plans charge $0 monthly premiums and include Part D prescription drug coverage.

Essence Healthcare has the highest CMS rating in this category at 4.5 stars. Its one HMO plan charges $0 per month and caps annual costs at $3,350.
MyTruAdvantage offers one HMO plan with a $0 monthly premium, a 3.5-star CMS rating and a $3,300 MOOP — the lowest of any Indiana HMO plan.
Humana has one Indiana HMO plan with a $0 monthly premium and a 3-star CMS rating. Its $5,450 MOOP is higher than the other options here, but its long history in Medicare Advantage may appeal to beneficiaries who want a nationally established insurer.


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 a referral from your primary care doctor before seeing specialists. In exchange, you'll pay lower premiums and out-of-pocket costs, with care coordinated through one primary doctor.

Best Indiana HMO-POS Medicare Advantage Providers

HMO-POS Medicare Advantage plans let you see out-of-network providers while keeping costs closer to HMO levels. Indiana has 17 HMO-POS plans from five providers, with 14 charging $0 monthly premiums. Maximum out-of-pocket limits range from $3,900 to $5,944, averaging $5,250.

UnitedHealthcare leads Indiana's HMO-POS market with eight plans, all rated 4 stars by CMS. Every plan charges $0 per month with an average MOOP of $5,815, and UnitedHealthcare offers the widest selection of HMO-POS plans in Indiana.
Humana has three HMO-POS plans, all at $0 per month with a 3-star CMS rating. Its $4,416 average MOOP is the lowest among Indiana HMO-POS providers.
Aetna offers one HMO-POS plan with a $0 monthly premium, a 3-star CMS rating and a $5,944 MOOP. It suits beneficiaries who want a large national insurer 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 work well for people who want coordinated, lower-cost care but don't want to be locked into a single network. You get the lower premiums typical of HMOs and can still see out-of-network providers, just at a higher cost.

Best Indiana PPO Medicare Advantage Providers

PPO Medicare Advantage plans give you broader provider access in Indiana, but costs are higher. The state has 38 PPO plans from eight providers; 22 charge $0 monthly premiums. All 38 plans include enhanced Part D prescription drug coverage, and 37 of 38 waive deductibles on select medication tiers.

Humana has 17 Indiana PPO plans, all rated 4 stars by CMS and priced at $0 per month. The tradeoff: its $9,150 average MOOP is one of the highest in the state.
Aetna has three PPO plans with an average $13 monthly premium and a $5,970 MOOP cap. At 4.5 stars, it has the highest CMS rating among Indiana PPO providers.
Zing Health has one PPO plan at $0 per month, rated 3 stars by CMS, with a $6,350 MOOP.


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

PPO Medicare Advantage plans come with higher monthly premiums and out-of-pocket maximums, but you can see any Medicare-approved doctor without a referral. You can use both in-network and out-of-network providers, though in-network visits cost less.

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
Confirm that your current doctors, specialists and preferred hospitals are in the plan's network. HMO plans limit you to in-network providers except for emergencies; PPO plans allow out-of-network visits at a higher cost.
2
Compare Maximum Out-of-Pocket (MOOP) Costs
The MOOP is the most you'll pay for covered services in a year. A plan with a $0 premium but $7,833 MOOP can cost more than a $29-per-month plan capped at $6,750 if you use care regularly.
3
Review Prescription Drug Coverage
Check that your medications are on the plan's drug formulary and note their tier placement, since higher tiers mean higher pharmacy costs. Most Medicare Advantage plans include Part D coverage, but some require separate enrollment.
4
Evaluate Additional Benefits
Many Medicare Advantage plans cover dental, vision, hearing aids, fitness memberships and transportation to medical appointments. Check which extras each plan includes before enrolling.
5
Consider CMS Star Ratings
CMS rates plans on a scale of 1 to 5 stars based on member satisfaction, care quality and health outcomes. Plans rated 4 or 5 stars score higher on care quality and member satisfaction.

Average Indiana Medicare Advantage Cost

Network structure affects Medicare Advantage costs in Indiana. Narrower networks mean lower premiums and out-of-pocket limits; broader access comes at a higher price.

HMO plans are the most affordable, with $0 median monthly premiums and a $4,471 average MOOP. HMO-POS plans add limited out-of-network access, with average monthly premiums of $9 and a $5,277 average MOOP. PPO plans average $14 per month and $6,198 in maximum out-of-pocket costs. PFFS plans have the highest average monthly premium at $37 but a lower $3,950 MOOP.


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?

Indiana residents can enroll during the Annual Enrollment Period (Oct. 15 to Dec. 7) or the Medicare Advantage Open Enrollment Period (Jan. 1 to March 31). You may also qualify for a Special Enrollment Period if you move or lose other coverage.

Does Medicare Advantage cover prescription drugs in Indiana?

Most Indiana Medicare Advantage plans include Part D prescription drug coverage. Before enrolling, check that your medications are on the plan's formulary and review their tier levels, since higher tiers mean higher pharmacy costs.

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

You may need to switch plans after moving to a different Indiana county, since provider networks and plan availability vary by location. Contact your current plan within 30 days of relocating to confirm your coverage and ask about a Special Enrollment Period.

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

MoneyGeek assessed Indiana Medicare Advantage plans on three 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.

This scoring reflects what matters most to Medicare beneficiaries: keeping costs manageable while getting quality care.

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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