Medicare Advantage Plans in Ohio 2026
Last reviewed: June 2026 · Data sourced from CMS.gov
Ohio has among the highest Medicare Advantage penetration in the Midwest. Columbus, Cleveland, and Cincinnati all have highly competitive markets. Medical Mutual of Ohio, SummaCare, and national carriers like Humana and UnitedHealthcare all operate here actively. Rural southeastern Ohio has fewer options.
Plan availability varies by county. Enter your ZIP code to see the exact plans, premiums, and coverage available where you live in Ohio.
What to Look for in a Ohio Medicare Advantage Plan
- ✓ Whether your current doctors and specialists are in-network
- ✓ Drug formulary — does it cover your prescriptions at a reasonable cost?
- ✓ Monthly premium and annual out-of-pocket maximum
- ✓ Extra benefits: dental, vision, hearing, fitness programs
- ✓ Star rating — CMS rates plans from 1 to 5 stars based on quality and member experience
- ✓ HMO vs. PPO — HMOs require referrals and restrict out-of-network care; PPOs are more flexible
2026 Medicare Advantage Costs in Ohio
| Cost | Typical Range |
|---|---|
| Monthly premium | $0 to $50 (many plans at $0) |
| Annual out-of-pocket maximum | Up to $9,350 in-network (2026 CMS limit) |
| Primary care visit copay | $0 to $20 typical |
| Specialist visit copay | $20 to $50 typical |
| Inpatient hospital stay | $250 to $350/day for first few days (varies by plan) |
| Part B premium (always required) | $202.90/month standard (2026) |
Medicare Advantage vs. Medigap in Ohio
Ohio's Medigap market is competitive, with Medical Mutual of Ohio a prominent regional carrier alongside national plans. Strong academic medical centers like the Cleveland Clinic, Ohio State Wexner Medical Center, and University Hospitals attract residents who want unrestricted Medigap access to those facilities.