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Medicare plans in Ray County, MO — 2027
What agents look up before working a county: plan count, carriers, $0-premium share, star distribution, MOOP range, the 65+ and 60–64 population, and what changed since last year.
In 2027, Ray County, Missouri has 63 Medicare plans (22 Medicare Advantage with drug coverage, 7 without, 9 standalone Part D, 25 Special Needs) from 8 carriers. 41 Medicare Advantage plans have a $0 premium. The lowest in-network out-of-pocket maximum is $2,800.
What changed vs 2026
- 4 fewer plans than 2026
- $0-premium plans up 12
- Average star rating up 0.2
Market snapshot
- Residents 65 and older
- 4,468
- Residents 60–64, aging in over the next five years
- 1,892
- Medicare eligibles
- 5,528
- Medicare Advantage penetration
- 50.0%
- Plans per 1,000 residents 65+
- 14.1
Carriers by number of plans
- Humana — 18 plans
- UnitedHealthcare — 13 plans
- Devoted Health — 11 plans
- Wellcare — 8 plans
- Aetna Medicare — 7 plans
- Provider Partners Health Plans — 3 plans
- American Health Advantage of Missouri — 2 plans
- HealthSpring — 1 plan
Plans sorted by CMS star rating, then premium
| Plan | Carrier | Category | Plan type | Monthly premium | Drug deductible | Out-of-pocket maximum | Star rating |
|---|---|---|---|---|---|---|---|
| Humana Essentials Plus Giveback (PPO) (H7617-017-0) | Humana | MA-PD | PPO | $0 | $700 | $5,250 | 4.5 |
| Humana Total Complete (HMO-POS) (H0028-054-1) | Humana | MA-PD | HMO-POS | $0 | $500 | $2,800 | 4.5 |
| Humana Total Complete Giveback (HMO-POS) (H0028-066-0) | Humana | MA-PD | HMO-POS | $0 | $700 | $4,200 | 4.5 |
| Humana Total Complete Giveback (HMO-POS) (H4461-047-0) | Humana | MA-PD | HMO-POS | $0 | $700 | $4,200 | 4.5 |
| Humana USAA Honor Giveback (PPO) (H7617-012-0) | Humana | MA | PPO | $0 | $4,700 | 4.5 | |
| Humana Value Choice (PPO) (H7617-010-0) | Humana | MA-PD | PPO | $0 | $700 | $4,400 | 4.5 |
| HumanaChoice SNP-DE H7617-006 (PPO D-SNP) (H7617-006-0) | Humana | SNP | PPO D-SNP | $0 | $350 | $9,850 | 4.5 |
| UHC Complete Care MO-1 (PPO C-SNP) (H2001-055-0) | UnitedHealthcare | SNP | PPO C-SNP | $0 | $595 | $4,900 | 4.5 |
| Humana Basic Rx Plan (PDP) (S5884-140-0) | Humana | PDP | PDP | $13.30 | $700 | 4.5 | |
| UHC Dual Complete MO-Q2 (PPO D-SNP) (H2001-040-0) | UnitedHealthcare | SNP | PPO D-SNP | $18.40 | $700 | $9,850 | 4.5 |
Showing 10 of 63 plans.
Nearby counties
Agent Tools
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About this data
Source: CMS Medicare Advantage/Part D Landscape files, plan year 2027; population: U.S. Census Bureau ACS 5-year 2024; MA penetration: CMS October 2026.
This page summarizes publicly available CMS data. It is not a plan finder and does not recommend plans. To compare and enroll in plans, use Medicare.gov or talk to a licensed agent. Medicare.gov plan finder.