The best Medicare Advantage plan depends on individual needs, but top providers for 2025 include:
- Aetna Medicare Advantage, which has the highest CMS star rating (4.29) and strong member experience scores across 44 states and D.C., known for quality and access to MinuteClinic for low copays.
- Cigna Medicare Advantage, recognized for low costs, excellent member experience, low premiums, and drug deductibles, available in 30 states, making it the best overall for cost and satisfaction.
- UnitedHealthcare Medicare Advantage, with the largest network covering 49 states and D.C., good for access.
- Humana Medicare Advantage, best for Part B giveback, available in 48 states plus Puerto Rico.
- Alignment Health, praised for low premiums and out-of-pocket maximums, but limited to 5 states.
Choosing the best plan should factor in star ratings, coverage options for medications, doctors in the network, out-of-pocket costs, and extra benefits offered, such as dental, vision, and hearing.
