Best Medicare Advantage Plans in Oklahoma (2027)

CommunityCare Senior Health Plan is the best Medicare Advantage insurer in Oklahoma. It holds 4 stars from the Centers for Medicare & Medicaid Services (CMS), which rates plan quality from 1 to 5, and its plans cap premiums plus in-network care at a median of $4,642 a year. GlobalHealth costs less, at a $3,900 median, but rates half a star lower.   

Humana, UnitedHealthcare and Aetna Medicare each sell in 51 or more counties, and all three cost at least $758 more than CommunityCare. Humana matches UnitedHealthcare’s 4 stars for $1,100 less. Check CommunityCare’s 40 counties first, then Humana.

Oklahoma’s 2027 Medicare Advantage market has 48 plans from eight carriers, 40 with no monthly premium. Medicare Advantage is a private plan that replaces Original Medicare, the federal hospital (Part A) and medical (Part B) coverage. Medicare Supplement plans work alongside Original Medicare and pay some of its deductibles and copays.

We rated six carriers because Devoted Health and Native Advantage are too new in Oklahoma for CMS star ratings or member satisfaction scores.

Both charge $0 premiums, but their out-of-pocket maximums (MOOPs), the yearly cap on in-network costs, exceed every rated carrier’s median. Devoted Health’s median is $7,700, and Native Advantage’s plan is $7,150 with a $50 specialist copay.

The best Medicare Advantage plan in Oklahoma depends on your doctors, medications and budget.

Most Oklahoma Medicare Advantage plans cost $0 a month, plus your Part B premium, so your yearly cost depends on how much care you use. Routine visits barely separate plans, since the median primary care copay is $15 for HMO, HMO-POS and PPO plans alike.

A PPO’s $6,850 median out-of-pocket maximum is $1,850 above an HMO’s. You pay that extra $1,850 in a bad year for the right to see out-of-network doctors. HMO-POS plans have the highest median hospital copay, $452 a day, and UnitedHealthcare sells seven of those eight plans. Pick an HMO if your doctors are in its network.

*Median cost figures across all 48 Oklahoma Medicare Advantage plans, excluding Special Needs Plans, grouped by plan type. All dollar figures rounded to nearest dollar. Source: CMS 2027 data, MoneyGeek analysis.

These free resources help you compare Oklahoma Medicare Advantage plans, check your eligibility and get assistance during enrollment.

• Oklahoma Insurance Department (OID): The OID’s Medicare Assistance Program (MAP) connects residents with trained counselors who review plan options, coverage details and enrollment steps for free.
• Medicare Plan Finder: Lets you compare Medicare Advantage plans in your ZIP code by premium, estimated out-of-pocket cost, supplemental benefits and CMS star rating.
• Medicare.gov: The federal Medicare portal for plan enrollment, Part A and Part B eligibility information and benefit details for all Medicare plan types.
• Social Security Administration: Manages Medicare eligibility and enrollment. Apply online or find a local SSA office if you need in-person help signing up.
• Extra Help (Low-Income Subsidy): Federal assistance that lowers Part D prescription drug costs. In 2026, individuals qualify with income up to $23,940 and resources up to $18,090, and married couples with income up to $32,460 and resources up to $36,100. Medicare lists these 2026 limits for applicants now, including those seeking help with 2027 coverage.

MoneyGeek’s 2027 Oklahoma Medicare Advantage ratings cover 48 plans from eight carriers under 14 CMS contracts. Special Needs Plans (SNPs), which only enroll people who qualify through Medicaid, a chronic condition or institutional care, are excluded.

The 48 plans are sold in 70 of Oklahoma’s 77 counties. Beaver, Cimarron, Ellis, Harmon, Harper, Roger Mills and Texas counties have no non-SNP Medicare Advantage plan for 2027.

The ratings use five CMS data sources. They are the Medicare Plan Landscape File, Plan Benefit Package files, CMS Star Ratings, the Contract/Plan Enrollment file and the CAHPS Report Card Master Table, which holds results from Medicare’s Consumer Assessment of Healthcare Providers and Systems (CAHPS) member survey.

To be scored, a carrier must sell in at least four Oklahoma counties, or 5% of the state, and have data for all three scoring categories. All eight carriers meet the county threshold.

Devoted Health and Native Advantage don’t have CMS Star Ratings or CAHPS scores because their Oklahoma contracts are new. Neither is scored or reviewed above.

How We Score Carriers

Six carriers receive an overall score out of five. Carrier-level scores are medians across each carrier’s Oklahoma plans, with Star Ratings and CAHPS scores weighted by plan.

Affordability and benefits scores are scaled from 3.5 to 5.0 across the six scored carriers. Quality scores use the CMS star rating as published and the CAHPS score converted to a 5-point scale. Three categories make up each score:

• Affordability (40%): Maximum annual cost exposure, meaning annual premiums plus the maximum out-of-pocket limit, carries 20% of the overall score. Inpatient hospital copays add 10%, specialist copays 6% and primary care copays 4%.
• Quality and Member Experience (40%): CMS Star Ratings make up 60% of this category and CAHPS Rating of Health Plan scores 40%, both from contract-level data.
• Benefits and Access (20%): Supplemental dental, over-the-counter (OTC), vision and hearing benefits count for half. County coverage adds 30% and plan choice per county 20%.