Medicare Advantage by State – 50-State Comparison (2026)

Medicare Advantage by state varies dramatically in plan availability, carrier competition, and enrollment rates. Over half of all Medicare beneficiaries nationally now choose Medicare Advantage, but penetration ranges from just 1% in Alaska to 54% in Florida. States with large senior populations and urban centers tend to have the most MA plan choices and competitive benefits, while rural states may have limited options. This comprehensive 50-state comparison shows Medicare Advantage penetration rates, top carriers, and key market features for every state.

Click any state name below to read its detailed Medicare Advantage guide with plan types, star ratings, costs, extra benefits, and how MA compares to Original Medicare in your state.

Quick Facts – U.S. Medicare Advantage (2026)

  • Over half of all Medicare beneficiaries are now enrolled in Medicare Advantage plans
  • Most MA plans offer $0 monthly premiums (you still pay your Part B premium)
  • MA plans include a Maximum Out-of-Pocket cap that Original Medicare does not have
  • Most MA plans include dental, vision, and hearing benefits not covered by Original Medicare
  • UnitedHealthcare and Humana are the two largest MA carriers nationally
  • CMS rates MA plans 1-5 stars – plans with 4+ stars qualify for bonus payments and richer benefits

All 50 States – Medicare Advantage Comparison

The table below shows each state’s Medicare Advantage penetration rate, top carriers by enrollment, and notable market features. Click any state name for the full guide.

State MA Penetration Top MA Carriers Notable
Alabama 48% UnitedHealthcare, Humana, BCBS High MA penetration, attained-age pricing
Alaska 1% Limited MA options Lowest MA penetration, highest Medigap premiums
Arizona 43% UnitedHealthcare, Humana, Banner Growing MA market, competitive rates
Arkansas 35% UnitedHealthcare, Humana, BCBS Community-rated, moderate premiums
California 44% Kaiser, UnitedHealthcare, Humana Birthday rule state, large market
Colorado 38% UnitedHealthcare, Kaiser, Humana Competitive rates, growing MA
Connecticut 28% Aetna, UnitedHealthcare, Anthem Birthday rule, community-rated, strong protections
Delaware 25% Highmark, UnitedHealthcare, Humana Small market, moderate rates
Florida 54% Humana, UnitedHealthcare, Aetna Highest MA penetration, large senior population
Georgia 40% UnitedHealthcare, Humana, Kaiser Growing market, competitive MA
Hawaii 42% Kaiser, HMSA, UnitedHealthcare Limited carrier options, Kaiser dominant
Idaho 35% BCBS, UnitedHealthcare, Regence Rural access challenges
Illinois 33% UnitedHealthcare, Humana, BCBS Birthday rule state, large market
Indiana 36% UnitedHealthcare, Anthem, Humana Moderate rates, solid carrier mix
Iowa 28% UnitedHealthcare, Wellmark, Humana Insurance hub, competitive pricing
Kansas 30% UnitedHealthcare, Humana, Aetna Midwest competitive market
Kentucky 35% Humana HQ state, UnitedHealthcare, Anthem Humana headquartered here
Louisiana 44% Humana, UnitedHealthcare, BCBS Birthday rule state, high MA penetration
Maine 22% Anthem, UnitedHealthcare, Aetna Birthday rule, community-rated
Maryland 25% CareFirst, UnitedHealthcare, Kaiser Suburban market, moderate rates
Massachusetts 23% Tufts, BCBS, UnitedHealthcare Birthday rule, community-rated, strong regulation
Michigan 38% BCBS, UnitedHealthcare, Humana Large market, competitive
Minnesota 52% UnitedHealthcare HQ, Medica, HealthPartners Birthday rule, community-rated, UHC headquarters
Mississippi 38% UnitedHealthcare, Humana, Molina Higher health risk demographics
Missouri 40% UnitedHealthcare, Humana, Aetna Birthday rule state
Montana 28% BCBS, UnitedHealthcare, Humana Rural state, limited MA options
Nebraska 30% UnitedHealthcare, Mutual of Omaha, Humana Mutual of Omaha headquarters
Nevada 45% UnitedHealthcare, Humana, Health Plan of Nevada Birthday rule state, high MA penetration
New Hampshire 18% Anthem, UnitedHealthcare, Harvard Pilgrim Low MA penetration, healthy population
New Jersey 25% Horizon, UnitedHealthcare, Aetna Birthday rule, community-rated
New Mexico 38% Presbyterian, UnitedHealthcare, Humana Presbyterian dominant carrier
New York 48% UnitedHealthcare, Humana, Fidelis Birthday rule, community-rated, strongest protections, highest premiums
North Carolina 38% UnitedHealthcare, Humana, Aetna Growing market, competitive
North Dakota 20% BCBS, UnitedHealthcare, Sanford Small market, low MA penetration
Ohio 42% UnitedHealthcare, Humana, Anthem Large market, high MA penetration
Oklahoma 35% UnitedHealthcare, Humana, GlobalHealth Birthday rule state
Oregon 45% Kaiser, UnitedHealthcare, PacificSource Birthday rule state, Kaiser presence
Pennsylvania 40% Highmark, UnitedHealthcare, UPMC Large market, strong regional carriers
Rhode Island 25% BCBS, UnitedHealthcare, Tufts Small state, New England rates
South Carolina 38% Humana, UnitedHealthcare, BCBS Growing retiree population
South Dakota 22% Avera, Sanford, UnitedHealthcare Low MA penetration, rural market
Tennessee 40% UnitedHealthcare, Humana, BCBS No state income tax, growing retiree market
Texas 46% UnitedHealthcare, Humana, Aetna Largest state market, high MA penetration
Utah 38% UnitedHealthcare, Molina, SelectHealth Youngest Medicare population
Vermont 15% MVP, BCBS, UnitedHealthcare Community-rated, lowest MA penetration in lower 48
Virginia 35% UnitedHealthcare, Humana, Anthem Large suburban market
Washington 42% Kaiser, UnitedHealthcare, Premera Birthday rule state, Kaiser presence
West Virginia 32% UnitedHealthcare, Highmark, Humana Higher health risk demographics
Wisconsin 38% UnitedHealthcare, Humana, Network Health Unique standardized Medigap plans
Wyoming 12% BCBS, UnitedHealthcare Smallest market, very low MA penetration

Why Medicare Advantage Varies by State

Medicare Advantage availability is driven by three main factors: population density (carriers need enough beneficiaries to build provider networks), provider availability (HMO plans require contracted providers), and CMS payment rates (benchmarks vary by county based on local fee-for-service spending). Urban counties in Florida, Texas, and California often have 40-50+ MA plan options, while rural counties in Wyoming, Montana, and Alaska may have fewer than 5.

The largest national MA carriers are UnitedHealthcare (AARP-branded plans), Humana, and CVS Health (Aetna). However, regional carriers dominate in some states: Kaiser Permanente in California, Oregon, and Hawaii; Highmark in Pennsylvania; BCBS affiliates across the Midwest and South. The best plan for you depends on which carriers have the strongest provider networks in your specific county.

Medicare Advantage vs Original Medicare

Medicare Advantage is not inherently better or worse than Original Medicare with Medigap. MA plans offer lower premiums and extra benefits (dental, vision, hearing) but require using provider networks. Original Medicare with Medigap lets you see any Medicare-accepting provider nationwide with no network restrictions. The right choice depends on your health, location, provider preferences, and budget. If you travel frequently, live in a rural area, or see many specialists, Original Medicare with Medigap may offer more flexibility. If you are healthy, live in an urban area with strong MA networks, and want the lowest monthly cost, Medicare Advantage can be an excellent value.

Compare Medicare Advantage Plans in Your State

Ready to compare MA plans by cost, star rating, drug coverage, and extra benefits in your zip code?

Official Sources

  • Medicare.gov Plan Finder: medicare.gov/plan-compare
  • CMS Medicare Advantage Data: cms.gov – Enrollment, star ratings, payment data
  • KFF.org: kff.org – Medicare Advantage market research
  • NAIC: naic.org – State insurance regulation

Penetration rates compiled from CMS enrollment reports. Carrier rankings based on state-level enrollment data. Market features are approximate summaries. Click any state name above for your complete Medicare Advantage guide. Last reviewed April 2026.

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