Medicare Advantage Plans in Kentucky
Compare 108 Medicare Advantage plans available across 120 counties in Kentucky for 2026. Review premiums, benefits, Star Ratings, and local availability before you choose what to compare next.
Not sure where to start?
Answer the “Should I Switch?” questionnaire first.
In about 3 minutes, Medicare Choose can help you review your county, prescriptions, priorities, and whether it makes sense to stay put, compare alternatives, or talk with a licensed agent.
Compare 2026 Kentucky Medicare Advantage options by county
Medicare Advantage plans are offered by county, so the most useful comparison starts with where you live. Use this page to narrow your options before reviewing plan details or entering your ZIP code.
As you compare plans, look at monthly premium, prescription coverage, provider network, dental, vision, hearing, maximum out-of-pocket limit, and Star Ratings together.
The plan with the lowest premium is not always the lowest-cost option after prescriptions, copays, doctors, and out-of-pocket limits are considered.
What to compare first
- Monthly premium and estimated prescription costs
- Whether your doctors, hospitals, and pharmacies are in network
- Dental, vision, hearing, fitness, and transportation benefits
- Maximum out-of-pocket limit for medical care
- Star Ratings, referrals, and prior authorization requirements
Total Plans
108
Avg. Monthly Premium
$15.46
With Dental
100%
With Vision
100%
Counts include Medicare Advantage plans with and without drug coverage and Special Needs Plans, which have additional eligibility requirements. Stand-alone Part D and Medicare Cost plans are excluded.Each plan is counted once statewide and once in each county it serves. Average premium uses the 108 plans with a reported premium; missing prices are excluded. Benefit percentages show the share of all listed plans with that benefit confirmed in our data; missing benefit data does not mean a benefit is unavailable. Check your county and the plan details before comparing options.
Top-Rated Plans in Kentucky
Essence Healthcare
Aetna Medicare
Aetna Medicare
Aetna Medicare
Aetna Medicare
Browse by County
Medicare Advantage availability is county-specific. Start with your county below, or use the ZIP-code flow to narrow the list to plans available where you live.
Kentucky Counties with the Most Plan Options
Learn How to Compare Plans
What a Medicare Plan ID Means
Learn how plan codes like H7617-111 help identify the exact Medicare Advantage or Part D plan you are comparing.
Read guide →How to Compare Medicare Advantage Plans in 2026
Use a simple checklist for premiums, prescriptions, doctors, benefits, ratings, and out-of-pocket exposure.
Read guide →Medicare Advantage vs Medicare Supplement
Compare bundled plan coverage with Original Medicare plus Supplement coverage.
Read guide →Medicare Advantage HMO vs PPO
Understand how plan type affects networks, referrals, flexibility, and out-of-network costs.
Read guide →What Medicare Star Ratings Mean
Learn how to use Star Ratings as one quality signal without ignoring local fit and drug coverage.
Read guide →Frequently Asked Questions About Kentucky Medicare Advantage Plans
Are Medicare Advantage plans the same in every Kentucky county?
No. Plan availability, networks, premiums, and benefits can change by county. Always compare using your ZIP code or county before relying on a statewide list.
What does Medicare Choose help me compare?
Medicare Choose helps organize public plan data around premiums, plan type, benefits, Star Ratings, drug coverage signals, and local availability so you can decide what deserves a closer look.
Should I pick the plan with the most extra benefits?
Not automatically. Extra benefits matter, but you should also review doctors, hospitals, prescriptions, maximum out-of-pocket limits, and how the plan works for your care routine.
Can a licensed agent help me compare Kentucky plans?
Yes. A licensed Medicare agent can explain plan tradeoffs, confirm network and prescription details, and help you enroll if you choose a plan. Medicare Choose can help you find local agent options.
Find Plans in Your Area
Enter your ZIP code to see all Medicare Advantage plans available where you live.
Enter Your ZIP CodeTalk to a Licensed Agent
Find a licensed Medicare agent in Kentucky who can help you choose the right plan.
Find an Agent in KentuckyWe do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
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