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Medicare plans in Charlottesville city, VA — 2026
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 2026, Charlottesville city, Virginia has 56 Medicare plans (20 Medicare Advantage with drug coverage, 6 without, 9 standalone Part D, 21 Special Needs) from 8 carriers. 18 Medicare Advantage plans have a $0 premium. The lowest in-network out-of-pocket maximum is $3,600.
Market snapshot
- Residents 65 and older
- 6,118
- Residents 60–64, aging in over the next five years
- 2,114
- Medicare eligibles
- 6,726
- Medicare Advantage penetration
- 32.5%
- Plans per 1,000 residents 65+
- 9.2
Carriers by number of plans
- Humana — 24 plans
- UnitedHealthcare — 11 plans
- Aetna Medicare — 7 plans
- Anthem HealthKeepers — 7 plans
- Anthem Blue Cross and Blue Shield — 2 plans
- Sentara Medicare — 2 plans
- Wellcare — 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 |
|---|
| AARP Medicare Advantage from UHC VA-0006 (PPO) (H2001-098-0) | UnitedHealthcare | MA-PD | PPO | $0 | $520 | $8,300 | 4.5 |
|---|
| Aetna Medicare Signature (PPO) (H5521-484-0) | Aetna Medicare | MA-PD | PPO | $0 | $615 | $8,900 | 4.5 |
|---|
| Humana Essentials Plus Giveback H7617-100 (PPO) (H7617-100-0) | Humana | MA-PD | PPO | $0 | $360 | $9,250 | 4.5 |
|---|
| Humana Value Choice H7617-098 (PPO) (H7617-098-0) | Humana | MA-PD | PPO | $0 | $350 | $5,900 | 4.5 |
|---|
| Aetna Medicare Enhanced Plus (PPO) (H5521-084-0) | Aetna Medicare | MA-PD | PPO | $26 | $615 | $6,500 | 4.5 |
|---|
| Aetna Medicare Premier (PPO) (H5521-652-0) | Aetna Medicare | MA-PD | PPO | $100 | $615 | $6,750 | 4.5 |
|---|
| AARP Medicare Advantage Patriot No Rx VA-MA01 (PPO) (H2001-099-0) | UnitedHealthcare | MA | PPO | | | $8,900 | 4.5 |
|---|
| Aetna Medicare Eagle Giveback (PPO) (H5521-322-0) | Aetna Medicare | MA | PPO | | | $6,750 | 4.5 |
|---|
| Humana USAA Honor Giveback (PPO) (H7617-101-0) | Humana | MA | PPO | | | $8,700 | 4.5 |
|---|
| AARP Medicare Advantage from UHC VA-0018 (PPO) (H2406-125-0) | UnitedHealthcare | MA-PD | PPO | $0 | $520 | $8,300 | 4.0 |
|---|
Showing 10 of 56 plans.
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About this data
Source: CMS Medicare Advantage/Part D Landscape files, plan year 2026; population: U.S. Census Bureau ACS 5-year 2024; MA penetration: CMS September 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.