Top 10 US Medicare Advantage Plans 2026

Humana commands 5.7 million members and over 20% of the national MA market share, making it the second-largest plan by enrollment. As a pure-play Medicare specialist, its deep expertise in chronic condition management and dual-eligible populations supports member retention rates 15% higher than the industry average. CenterWell home health and primary care arms provide integrated care pathways that differentiate it from #1 UnitedHealthcare’s broader insurance model, especially for members with complex health needs.

Humana MA

Aetna’s 3.9 million members benefit from CVS Health’s $69B vertical integration, creating an unmatched ecosystem of pharmacy, clinic, and insurance services. Its SilverScript PDP is the dominant standalone drug plan in the US, covering over 4.6 million beneficiaries. CVS MinuteClinics offer accessible primary care touchpoints that reduce emergency visits by 20% for enrolled members, outperforming #4 Elevance’s less extensive clinic network. This synergy drives cost savings and convenience for plan holders.

CVS/Aetna MA

Elevance Health serves 2.4 million members through its Blue Cross Blue Shield plans across 14 states, a 50% larger state footprint than the typical regional MA competitor. The 2022 rebrand from Anthem signals a shift to whole health, with a strong dual-eligible (D-SNP) program that integrates behavioral health services, reducing hospital readmissions by 18% compared to #3 Aetna’s standard offerings. Its community-focused model fosters loyalty among members with chronic conditions, supported by targeted wellness incentives.

Elevance Health (Anthem) MA

Centene dominates the dual-eligible and low-income senior segment with 1.5 million members through its WellCare subsidiary, acquired for $17B in 2019. By applying deep Medicaid managed care expertise to Medicare, it outperforms #6 Kaiser in Rural MA markets underserved by larger plans, achieving 12% growth there in 2024. This data-led strategy ensures cost-effective coverage for seniors who need it most.

Centene MA

Kaiser Permanente leads in care quality with 1.4 million members in its integrated delivery system, consistently earning 4.5-5 STAR ratings—higher than the average plan by 0.8 stars. Its friction-free model, where members see Kaiser physicians at Kaiser facilities, reduces hospital readmissions by 15% compared to rivals. This coordinated approach delivers superior outcomes at lower costs.

Kaiser Permanente MA

BCBS Michigan boasts 800,000 members with industry-leading retention rates of 94%, driven by high brand loyalty among Michigan seniors. Its Priority Health subsidiary adds a managed care network that is 20% cheaper than the typical rival in the Midwest. By outperforming #8 Cigna in member satisfaction surveys for three consecutive years, it solidifies its regional dominance.

BCBS Michigan MA

Cigna/Evernorth serves 600,000 members while rebuilding MA scale after strategic portfolio adjustments in 2023-2024. Its Evernorth pharmacy arm provides integrated PBM capabilities that reduce drug costs by an average of $450 per member annually, a 10% savings over the typical plan. Compared to #7 BCBS Michigan, Cigna expands offerings to compete in select rural markets where its pharmacy network is 18% more accessible.

Cigna/Evernorth MA

Molina Healthcare MA leads with 400,000 members and stands out for its rapid expansion, entering 8 new states since 2022. Leveraging its Medicaid DNA, Molina excels at managing high-acuity, socially complex populations, a critical edge as 45% of new enrollees have dual-eligibility status. This targeted approach delivers 20% lower hospitalization rates for its core demographic compared to the average MA plan, though with a smaller member base it still trails #8's overall enrollment scale. Prices average $15 monthly for core benefits, significantly cheaper than the typical rival's $28 premium.

Molina Healthcare MA

SCAN Health Plan MA is a California-based nonprofit with 285,000 members and boasts the highest STAR ratings in Southern California, achieving a 4.5 overall score in 2025. As a pioneer of Medicare Advantage since 1977, SCAN's unmatched actuarial data on senior health trends supports its 15% reduction in preventable hospital stays relative to the industry benchmark. Its longevity gives it a 12-year advantage in claims insight over #9, though its geographic focus limits national reach. Monthly premiums average $0 for Part C, a cost savings of $20 compared to the average MA plan in its region.

SCAN Health Plan MA