Medicare Advantage Plans by State

Medicare Advantage is administered through private plans whose service areas are drawn county by county, and prices, networks and extra benefits are filed for each one. Two people forty minutes apart can be looking at completely different plan lists, with different hospitals and different drug formularies.

That is why a national comparison site can be misleading. The useful question is never "which plan is best" in the abstract, but which plans are sold where you live, and whether their networks include the doctors you already see.

The federal rules do not vary: the 2026 in-network out-of-pocket limit is $9,250, the annual election period runs October 15 to December 7, and there is a January to March window for one change. Drug coverage inside a plan follows the same Part D rules, including the $2,100 cap on covered prescriptions.

What does change is the market itself. Some states are dominated by local nonprofit HMOs, two still sell Medicare Cost plans alongside Advantage plans, and a handful guarantee issue on Medigap all year, which makes the choice between the two routes reversible rather than permanent.

Choosing an Advantage plan is easy to do and, in most states, hard to undo. Once you leave Original Medicare, buying a Medigap policy later can require medical underwriting, and a diagnosis in the meantime can mean a decline or a permanent surcharge.

The state guides below say plainly how reversible that choice is where you live, which carriers actually sell there, and what a plan costs in practice rather than on the brochure.