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Medicare plans in St. Charles 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, St. Charles County, Missouri has 90 Medicare plans (38 Medicare Advantage with drug coverage, 8 without, 9 standalone Part D, 35 Special Needs) from 12 carriers. 56 Medicare Advantage plans have a $0 premium. The lowest in-network out-of-pocket maximum is $2,700.
What changed vs 2026
- 1 more plan than 2026
- $0-premium plans up 15
- Average star rating up 0.1
Market snapshot
- Residents 65 and older
- 70,408
- Residents 60–64, aging in over the next five years
- 27,901
- Medicare eligibles
- 88,070
- Medicare Advantage penetration
- 60.5%
- Plans per 1,000 residents 65+
- 1.3
Carriers by number of plans
- Humana — 21 plans
- Aetna Medicare — 15 plans
- UnitedHealthcare — 14 plans
- Devoted Health — 9 plans
- Wellcare — 8 plans
- HealthSpring — 6 plans
- Essence Healthcare — 5 plans
- Anthem HealthKeepers — 4 plans
Plans sorted by CMS star rating, then premium
| Plan | Carrier | Category | Plan type | Monthly premium | Drug deductible | Out-of-pocket maximum | Star rating |
|---|---|---|---|---|---|---|---|
| UHC Nursing Home Plan MO-F001 (PPO I-SNP) (H0710-016-0) | UnitedHealthcare | SNP | PPO I-SNP | $0.60 | $700 | $9,850 | 5.0 |
| Humana Essentials Plus Giveback (HMO) (H0028-065-0) | Humana | MA-PD | HMO | $0 | $700 | $4,200 | 4.5 |
| Humana Essentials Plus Giveback (HMO) (H4461-045-0) | Humana | MA-PD | HMO | $0 | $700 | $4,200 | 4.5 |
| Humana Full Access (PPO) (H7617-008-0) | Humana | MA-PD | PPO | $0 | $500 | $6,600 | 4.5 |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) (H0028-051-0) | Humana | SNP | HMO C-SNP | $0 | $500 | $2,700 | 4.5 |
| Humana Gold Plus SNP-DE H0028-015 (HMO-POS D-SNP) (H0028-015-0) | Humana | SNP | HMO-POS D-SNP | $0 | $700 | $9,250 | 4.5 |
| Humana Gold Plus SNP-DE H4461-044 (HMO-POS D-SNP) (H4461-044-0) | Humana | SNP | HMO-POS D-SNP | $0 | $100 | $9,250 | 4.5 |
| Humana Total Complete (HMO) (H0028-014-0) | Humana | MA-PD | HMO | $0 | $700 | $2,850 | 4.5 |
| Humana Total Complete (HMO) (H4461-046-0) | Humana | MA-PD | HMO | $0 | $700 | $2,850 | 4.5 |
| Humana USAA Honor Giveback (PPO) (H7617-012-0) | Humana | MA | PPO | $0 | $4,700 | 4.5 |
Showing 10 of 90 plans.
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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.