Best Medicare Advantage Plans in Indiana (2026)

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Updated: September 9, 2026

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Best Medicare Advantage Providers in Indiana

Aetna Medicare is Indiana's best Medicare Advantage carriers for 2026. It has Indiana's highest CMS star rating at 4.5 but covers only 52 of the state's 92 counties. Of the statewide carriers, only Anthem HealthKeepers and UnitedHealthcare hold a 4-star CMS rating, which CMS defines as above-average quality. Anthem HealthKeepers has a $4,900 median cost exposure and UnitedHealthcare offers 17 plans at $5,400.   

Among Indiana's 4-star carriers, Essence Healthcare has the lowest cost exposure at $3,750 in nine southeastern counties. MyTruAdvantage covers 28 counties with the state's highest dental maximum at $2,500. Anthem HealthKeepers and Anthem Blue Cross and Blue Shield both include hearing on every plan.

Aetna Medicare
4.3
$5,550
4.5
52
10
Anthem HealthKeepers
4.3
$4,900
4
92
5
Essence Healthcare
4.2
$3,750
4
9
2
UnitedHealthcare
4.2
$5,400
4
92
17
MyTruAdvantage
4.2
$3,900
3.5
28
4
Humana
4
$6,686
3.5
92
27
Anthem Blue Cross and Blue Shield
4
$6,828
3.5
92
5

Indiana Medicare Advantage Market Overview

Indiana's Medicare Advantage market has 89 plans from 10 carriers for 2026. Medicare Advantage is a private alternative to Original Medicare that bundles hospital and medical coverage, and most Indiana plans also include prescription drugs, dental and vision.   

Out-of-pocket maximums matter far more than premiums in Indiana. Nine in 10 plans charge no monthly premium, and annual limits range from $3,000 to $9,250. Plans average 3.70 CMS stars, and only three in 10 Indiana contracts meet the four-star threshold for above-average quality.

Non-SNP Medicare Advantage plans
89
Indiana beneficiaries have 89 non-SNP plans to compare statewide.
Carriers
10
All 89 plans come from 10 insurance companies.
CMS contracts
23
Some carriers divide their Indiana plans across multiple contracts.
Median plans per county
37

A typical Indiana county resident has 37 plans to compare.

Medicare Advantage enrollment in non-SNP plans
634,389
More than 634,000 Indiana residents are enrolled in the plans we reviewed.
Plans with a $0 premium
91%
Nine in 10 Indiana MA plans carry no monthly premium beyond Part B.
Median max out-of-pocket (MOOP)
$5,900
Most Indiana plans cap in-network spending at $5,900 for the year.
MOOP range
$3,000–$9,250

The lowest annual limit starts at $3,000. The highest exposure goes to $9,250.

Average CMS star rating
3.70 out of 5
Indiana's plan quality averages 3.70 stars, below the four-star threshold.
Contracts rated 4+ stars
30%
Only three in 10 Indiana contracts meet CMS's four-star quality standard.
Aetna Medicare

Aetna Medicare

MoneyGeek Rating
4.3/ 5
4.4/5Affordability
4.5/5Quality & Member Experience
3.9/5Benefits & Access

  • Median Max Annual Cost Exposure

    $5,550

  • Median CMS Star Rating

    4.50

  • Counties Served

    52

  • Plans Available

    10
Anthem HealthKeepers

Anthem HealthKeepers

MoneyGeek Rating
4.3/ 5
4.4/5Affordability
4.2/5Quality & Member Experience
4.4/5Benefits & Access

  • Median Max Annual Cost Exposure

    $4,900

  • Median CMS Star Rating

    4

  • Counties Served

    92

  • Plans Available

    5
Essence Healthcare

Essence Healthcare

MoneyGeek Rating
4.2/ 5
4.6/5Affordability
4.1/5Quality & Member Experience
3.8/5Benefits & Access

  • Median Max Annual Cost Exposure

    $3,750

  • Median CMS Star Rating

    4

  • Counties Served

    9

  • Plans Available

    2
UnitedHealthcare

UnitedHealthcare

MoneyGeek Rating
4.2/ 5
4.1/5Affordability
4.2/5Quality & Member Experience
4.3/5Benefits & Access

  • Median Max Annual Cost Exposure

    $5,400

  • Median CMS Star Rating

    4

  • Counties Served

    92

  • Plans Available

    17
MyTruAdvantage

MyTruAdvantage

MoneyGeek Rating
4.2/ 5
4.4/5Affordability
3.9/5Quality & Member Experience
4.2/5Benefits & Access

  • Median Max Annual Cost Exposure

    $3,900

  • Median CMS Star Rating

    3.5

  • Counties Served

    28

  • Plans Available

    4
Humana

Humana

MoneyGeek Rating
4/ 5
4/5Affordability
3.8/5Quality & Member Experience
4.4/5Benefits & Access

  • Median Max Annual Cost Exposure

    $6,686

  • Median CMS Star Rating

    3.5

  • Counties Served

    92

  • Plans Available

    27
Anthem Blue Cross and Blue Shield

Anthem Blue Cross and Blue Shield

MoneyGeek Rating
4/ 5
3.9/5Affordability
3.8/5Quality & Member Experience
4.4/5Benefits & Access

  • Median Max Annual Cost Exposure

    $6,828

  • Median CMS Star Rating

    3.5

  • Counties Served

    92

  • Plans Available

    5

How to Find the Best Indiana Medicare Advantage Plans

To choose the right Medicare Advantage plan, look beyond monthly premiums and consider your health care needs, prescription drugs and total budget.

  1. 1
    Check Your Doctor and Hospital Network

    Network choice locks in your provider access for the year. An HMO requires you to stay in-network, or the full bill is yours. A PPO allows out-of-network visits at a higher cost. Confirm your current doctors accept the specific plan, and verify directly with the office before enrolling.

  2. 2
    Compare Maximum Out-of-Pocket (MOOP) Costs

    A $0 premium does not mean a $0 bill. Indiana plans range from $3,000 to $9,250 in annual maximum out-of-pocket costs. A plan with a $3,000 ceiling costs far less in a serious illness year than one at $9,250, even when both charge no monthly premium. The MOOP is what matters most for total annual cost.

  3. 3
    Review Prescription Drug Coverage

    Most Indiana plans include Part D drug coverage, but formulary tiers determine what you pay at the pharmacy. A drug on Tier 1 costs less than the same medication on Tier 3. Confirm your medications are on the plan's formulary before enrolling. Mid-year plan changes are not available outside of a special enrollment period.

  4. 4
    Review Supplemental Benefits

    Dental, vision and hearing are not on every Indiana plan. No Humana, UnitedHealthcare or MyTruAdvantage plan includes hearing aid coverage. A $2,500 dental maximum or $300 vision allowance saves money if you use the coverage. Plans with richer supplemental benefits often carry higher out-of-pocket limits, so weigh the benefits you need against the cost ceiling.

  5. 5
    Consider CMS Star Ratings

    CMS rates plans on quality of care, chronic disease management and customer service. Indiana plans average 3.70 stars, and only three in 10 Indiana contracts earn four or more stars. A 4-star plan has documented better outcomes than one at 3.5 stars. Most Indiana plans fall below that threshold, so star ratings carry weight here.

How Much Does Medicare Advantage Cost in Indiana?

Indiana Medicare Advantage plans charge no monthly premium across all plan types, so plan type determines your cost exposure rather than your monthly bill. HMOs have the lowest annual ceiling at $4,500 but require you to stay in-network. PPOs add out-of-pocket flexibility for $1,850 more in maximum annual exposure. 

PCP copays are $15 across all plan types, so the decision comes down to MOOP and specialist costs. Specialist copays rise from $20 with an HMO to $35 with a PPO. The MOOP difference is the bigger variable. An HMO's $4,500 ceiling is $1,850 below a PPO's $6,350 and $4,650 below a Regional PPO's $9,150.

Median Monthly Premium
$0
$0
$0
$0
Median Max Out-of-Pocket
$4,500
$5,050
$6,350
$9,150
Median Inpatient Copay
$350
$418
$400
$345
Median PCP Copay
$15
$15
$15
$15
Median Specialist Copay
$20
$28
$35
$35

*Median cost figures across all 89 non-SNP Indiana MA plans, grouped by plan type. All dollar figures rounded to the nearest dollar. Source: CMS 2026 data, MoneyGeek analysis.

Indiana Medicare Advantage Resources

Use these state and federal resources to compare Indiana Medicare Advantage plans, verify insurer details and get help with enrollment.   

  • Indiana SHIP: Indiana's State Health Insurance Assistance Program provides free, unbiased Medicare counseling from trained volunteer counselors. Services are available in person, by phone or virtually, with no insurance sold and no affiliation to any carrier.
  • Indiana Department of Insurance: Regulates insurance carriers operating in Indiana and provides consumer tools to verify carrier licenses, file complaints and understand your rights as a policyholder.
  • Medicare Plan Finder: Medicare.gov's official comparison tool. Enter your ZIP code to see every plan available in your county with estimated annual costs, star ratings and benefit details side by side.
  • Social Security Administration: Handles Medicare Part B enrollment and manages premium payments. Available online, by phone at 1-800-772-1213 or at local offices throughout Indiana.
  • Indiana Area Agencies on Aging: Indiana's 15 local aging agencies provide case management, Medicare counseling and benefits screening. Use the site's map to find the agency covering your county.
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Frequently Asked Questions

Our Methodology

MoneyGeek scored Indiana Medicare Advantage carriers using five CMS data sources for the 2026 plan year, including the Medicare Plan Landscape File, Plan Benefit Package files, CMS Star Ratings, the CAHPS Report Card Master Table and the Contract/Plan Enrollment file.   

How We Score Carriers

Each Indiana carrier receives a MoneyGeek score out of five. The score averages results across three weighted categories.   

  • Affordability (40%): Annual premiums plus the maximum out-of-pocket limit determine maximum annual cost exposure. The calculation also includes inpatient hospital, specialist and primary care costs.
  • Quality and Member Experience (40%): CMS Star Ratings account for 60% of this category. CAHPS C26 member ratings account for the remaining 40%. MoneyGeek measures both at the contract level.
  • Benefits and Access (20%): Supplemental benefits, including dental, OTC, vision and hearing, account for 50% of this category. County coverage accounts for 30% and plan choice per county accounts for 20%.

About Mark Fitzpatrick

Mark Fitzpatrick, Licensed P&C Insurance Expert, MoneyGeek

Mark Fitzpatrick is a licensed Property and Casualty (P&C) Insurance Producer in Connecticut and MoneyGeek's resident expert in insurance and economics. In nearly a decade covering the insurance market at LendingTree and MoneyGeek, he's analyzed hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.

His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.

Mark studied at Boston College and later earned a master's in economics and international relations from Johns Hopkins University. He worked in financial risk management at State Street before joining MoneyGeek. He's also a five-time “Jeopardy!” champion.

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