The best Medicare Advantage provider for 2025 is Cigna, thanks to its low costs and excellent member experience. Kaiser Permanente and Aetna also rank among the top providers. Medicare Advantage (MA) is a private alternative to Original Medicare, often including extra benefits like dental and vision as well as health insurance coverage.
Medicare Advantage (MA) is a private insurance alternative to Original Medicare, often including extra benefits like dental, vision, and drug coverage. Based on cost, coverage, and customer satisfaction, here are the top MA providers for 2025:
Best Overall & Low Costs: Cigna
| Medicare Star Rating | 3.5 |
|---|---|
| Avg. Monthly Premium (Parts C & D) | $5.50 |
| Avg. Annual MOOP | $5,471 |
Why Cigna?
- One of the best member experience scores
- Low average premiums and drug deductibles
- $0 drug deductible for most plans
- Live customer service chat
Cons:
- Only available in 30 states
- Below-average Medicare star ratings
Note: Cigna sold its Medicare business to Health Care Service Corporation on March 19, 2025. Service and coverage are expected to remain unchanged.
Also Great for Low Costs: Alignment Health
| Medicare Star Rating | 4.2 |
|---|---|
| Avg. Monthly Premium (Parts C & D) | $9.57 |
| Avg. Annual MOOP | $3,524 |
Why Alignment Health?
- Among the lowest premiums and MOOP
- High satisfaction and Medicare star ratings
Cons:
- Low customer service ratings
- Only available in 5 states
Best for Nationwide Coverage: Aetna
| Medicare Star Rating | 3.9 |
|---|---|
| Avg. Monthly Premium (Parts C & D) | $22.66 |
| Avg. Annual MOOP | $6,054 |
Why Aetna?
- Available in 48 states + D.C.
- Lower premiums compared to other national providers
Cons:
- Poor scores in complaints and preventive care
- High drug deductibles
- Not available in Hawaii and Alaska
Best for Patient Experience & Drug Coverage: Kaiser Permanente
| Medicare Star Rating | 4.3 |
|---|---|
| Avg. Monthly Premium (Parts C & D) | $44.12 |
| Avg. Annual MOOP | $4,976 |
Why Kaiser Permanente?
- Highest Medicare and NCQA ratings
- No drug deductibles on most plans
- Includes OTC benefits on select plans
Cons:
- Only available in 8 states + D.C.
- Higher premiums
Best for Special Needs Plans: Humana
| Medicare Star Rating | 3.7 |
|---|---|
| Avg. Monthly Premium (Parts C & D) | $29.67 |
| Avg. Annual MOOP | $6,936 |
Why Humana?
- Offers all SNP types (chronic, institutional, dual-eligible)
- Low SNP premiums
- Available in 48 states + D.C.
Cons:
Higher premiums and MOOP for standard plans
Lower NCQA and Medicare ratings
