Medicare Advantage Plans in Virginia 2026
Last reviewed: June 2026 · Data sourced from CMS.gov
Virginia has roughly 44 percent of Medicare beneficiaries in Advantage plans. Northern Virginia and the Washington D.C. suburbs have many plan options, with Anthem, UnitedHealthcare, and Kaiser Permanente all competing actively. Hampton Roads and Richmond also have solid markets. Southwest Virginia and the Shenandoah Valley have far fewer options.
Plan availability varies by county. Enter your ZIP code to see the exact plans, premiums, and coverage available where you live in Virginia.
Rural Coverage Note
Parts of Virginia have limited Medicare Advantage plan availability. If you live in a rural county, you may find fewer plans or smaller provider networks. Comparing your options alongside Medicare Supplement plans is worth doing before you decide.
What to Look for in a Virginia 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 Virginia
| 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 Virginia
Virginia's Medigap market ranges from very competitive in Northern Virginia to limited in the southwestern corner of the state. Residents who use Inova, VCU Medical Center, or University of Virginia Health often choose Medigap for unrestricted access to those health systems.