Medicare plans by county · CY2026
60 Medicare Plans in James City, Virginia
Contract year 2026 · CMS Medicare Landscape Files
60 Medicare plans are available in James City for 2026
Base monthly premiums range from $0.00 to $255.00. 32 plans have a $0.00 base premium.
Average CMS star rating: 3.8 stars (43 of 60 plans rated).
Premiums shown are the plan's base premium — your actual cost includes the Part B premium and may vary by income. To compare plans with your specific drugs and providers and to enroll, use the official Medicare Plan Finder: medicare.gov/plan-compare . Free help: 1-800-MEDICARE or your state's SHIP.
MA-PD (27 plans)
| Plan | Type | Organization | Base Premium/mo | Overall Stars |
|---|---|---|---|---|
| Humana Gold Plus H1036-333 (HMO) H1036_333 | HMO | Humana Humana Inc. | $0.00 | 4.5 ★ |
| Humana Gold Plus Giveback H1036-334 (HMO) H1036_334 | HMO | Humana Humana Inc. | $0.00 | 4.5 ★ |
| AARP Medicare Advantage from UHC VA-0004 (PPO) H2001_096 | PPO | UnitedHealthcare UnitedHealth Group, Inc. | $0.00 | 4.5 ★ |
| AARP Medicare Advantage Access from UHC VA-20 (PPO) H2001_115 | PPO | UnitedHealthcare UnitedHealth Group, Inc. | $255.00 | 4.5 ★ |
| Anthem Medicare Advantage 3 (HMO-POS) H3447_049 | HMO-POS | Anthem HealthKeepers Elevance Health, Inc. | $0.00 | 3.5 ★ |
| Aetna Medicare Signature Care (HMO-POS) H3931_100 | HMO-POS | Aetna Medicare CVS Health Corporation | $0.00 | 3 ★ |
| Anthem Medicare Advantage (PPO) H4909_014 | PPO | Anthem Blue Cross and Blue Shield Elevance Health, Inc. | $14.00 | 3.5 ★ |
| HumanaChoice H5216-144 (PPO) H5216_144 | PPO | Humana Humana Inc. | $34.00 | 3.5 ★ |
| Humana Value Choice H5216-266 (PPO) H5216_266 | PPO | Humana Humana Inc. | $0.00 | 3.5 ★ |
| Humana Essentials Plus Giveback H5216-308 (PPO) H5216_308 | PPO | Humana Humana Inc. | $0.00 | 3.5 ★ |
| HumanaChoice H5216-363 (PPO) H5216_363 | PPO | Humana Humana Inc. | $19.50 | 3.5 ★ |
| HumanaChoice H5216-408 (PPO) H5216_408 | PPO | Humana Humana Inc. | $0.00 | 3.5 ★ |
| AARP Medicare Advantage from UHC VA-0008 (HMO-POS) H5253_087 | HMO-POS | UnitedHealthcare UnitedHealth Group, Inc. | $0.00 | 4 ★ |
| AARP Medicare Advantage from UHC VA-0009 (HMO-POS) H5253_088 | HMO-POS | UnitedHealthcare UnitedHealth Group, Inc. | $35.00 | 4 ★ |
| AARP Medicare Advantage Giveback from UHC VA-13 (HMO-POS) H5253_119 | HMO-POS | UnitedHealthcare UnitedHealth Group, Inc. | $0.00 | 4 ★ |
| Aetna Medicare Enhanced Plus (PPO) H5521_084 | PPO | Aetna Medicare CVS Health Corporation | $26.00 | 4.5 ★ |
| Aetna Medicare Elite (PPO) H5521_395 | PPO | Aetna Medicare CVS Health Corporation | $0.00 | 4.5 ★ |
| Aetna Medicare Premier (PPO) H5521_652 | PPO | Aetna Medicare CVS Health Corporation | $100.00 | 4.5 ★ |
| Humana Gold Plus H5619-157 (HMO) H5619_157 | HMO | Humana Humana Inc. | $0.00 | 3 ★ |
| Humana Gold Plus H6622-004 (HMO) H6622_004 | HMO | Humana Humana Inc. | $0.00 | 3.5 ★ |
| Humana Gold Plus H6622-083 (HMO) H6622_083 | HMO | Humana Humana Inc. | $0.00 | 3.5 ★ |
| Humana Gold Plus H6622-085 (HMO) H6622_085 | HMO | Humana Humana Inc. | $15.60 | 3.5 ★ |
| Humana Gold Plus Giveback H6622-090 (HMO) H6622_090 | HMO | Humana Humana Inc. | $0.00 | 3.5 ★ |
| Humana Total Complete H6622-091 (HMO) H6622_091 | HMO | Humana Humana Inc. | $0.00 | 3.5 ★ |
| Humana Value Choice H7617-098 (PPO) H7617_098 | PPO | Humana Humana Inc. | $0.00 | 4.5 ★ |
| Humana Essentials Plus Giveback H7617-100 (PPO) H7617_100 | PPO | Humana Humana Inc. | $0.00 | 4.5 ★ |
| Humana Full Access R0110-005 (Regional PPO) R0110_005 | Regional PPO | Humana Humana Inc. | $117.00 | 3.5 ★ |
SNP (26 plans)
| Plan | Type | Organization | Base Premium/mo | Overall Stars |
|---|---|---|---|---|
| UHC Dual Complete VA-Y4 (PPO D-SNP) H0421_001 | PPO D-SNP | UnitedHealthcare UnitedHealth Group, Inc. | $24.60 | — |
| UHC Nursing Home Plan EX-F004 (PPO I-SNP) H0710_032 | PPO I-SNP | UnitedHealthcare UnitedHealth Group, Inc. | $27.80 | 4.5 ★ |
| Aetna Medicare FIDE (HMO D-SNP) H1610_001 | HMO D-SNP | Aetna Better Health of Virginia CVS Health Corporation | $3.60 | 3 ★ |
| Senior Care (HMO I-SNP) H2185_001 | HMO I-SNP | Lifeworks Advantage Curana Health Holdings, LLC | $24.60 | — |
| Premier Care (HMO-POS I-SNP) H2185_003 | HMO-POS I-SNP | Lifeworks Advantage Curana Health Holdings, LLC | $0.00 | — |
| Anthem Dual Advantage (PPO D-SNP) H2441_001 | PPO D-SNP | Anthem Blue Cross and Blue Shield Elevance Health, Inc. | $0.00 | — |
| UHC Dual Complete VA-Y001 (HMO-POS D-SNP) H2445_001 | HMO-POS D-SNP | UnitedHealthcare UnitedHealth Group, Inc. | $10.60 | — |
| UHC Dual Complete VA-Q001 (HMO-POS D-SNP) H2445_002 | HMO-POS D-SNP | UnitedHealthcare UnitedHealth Group, Inc. | $5.40 | — |
| UHC Dual Complete VA-Y002 (HMO-POS D-SNP) H2445_003 | HMO-POS D-SNP | UnitedHealthcare UnitedHealth Group, Inc. | $24.60 | — |
| UHC Dual Complete VA-V001 (HMO-POS D-SNP) H2445_004 | HMO-POS D-SNP | UnitedHealthcare UnitedHealth Group, Inc. | $24.60 | — |
| UHC Dual Complete VA-Y3 (HMO-POS D-SNP) H2445_005 | HMO-POS D-SNP | UnitedHealthcare UnitedHealth Group, Inc. | $3.80 | — |
| Sentara Community Complete Select (HMO D-SNP) H2563_020 | HMO D-SNP | Sentara Medicare Sentara Health Care (SHC) | $24.60 | 3.5 ★ |
| Humana Dual Fully Integrated H2875-001 (HMO-POS D-SNP) H2875_001 | HMO-POS D-SNP | Humana Humana Inc. | $23.70 | — |
| Humana Gold Plus SNP-DE H2875-002 (HMO-POS D-SNP) H2875_002 | HMO-POS D-SNP | Humana Humana Inc. | $22.90 | — |
| Humana Dual Select H2875-006 (HMO-POS D-SNP) H2875_006 | HMO-POS D-SNP | Humana Humana Inc. | $21.80 | — |
| Anthem Kidney Care (HMO-POS C-SNP) H3447_033 | HMO-POS C-SNP | Anthem HealthKeepers Elevance Health, Inc. | $0.00 | 3.5 ★ |
| Anthem Chronic Care (HMO-POS C-SNP) H3447_037 | HMO-POS C-SNP | Anthem HealthKeepers Elevance Health, Inc. | $0.00 | 3.5 ★ |
| Sentara Community Complete (HMO D-SNP) H4499_001 | HMO D-SNP | Sentara Medicare Sentara Health Care (SHC) | $16.20 | — |
| Anthem Full Dual Advantage 2 (HMO D-SNP) H4694_001 | HMO D-SNP | Anthem HealthKeepers Elevance Health, Inc. | $13.80 | — |
| Anthem Dual Advantage (HMO D-SNP) H4694_002 | HMO D-SNP | Anthem HealthKeepers Elevance Health, Inc. | $0.00 | — |
| Anthem Full Dual Advantage Support (HMO D-SNP) H4694_003 | HMO D-SNP | Anthem HealthKeepers Elevance Health, Inc. | $24.60 | — |
| Anthem Full Dual Advantage (HMO D-SNP) H4694_004 | HMO D-SNP | Anthem HealthKeepers Elevance Health, Inc. | $22.50 | — |
| Humana Together in Health (PPO I-SNP) H5216_362 | PPO I-SNP | Humana Humana Inc. | $24.60 | 3.5 ★ |
| UHC Complete Care VA-22 (HMO-POS C-SNP) H5253_196 | HMO-POS C-SNP | UnitedHealthcare UnitedHealth Group, Inc. | $0.00 | 4 ★ |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) H5619_145 | HMO C-SNP | Humana Humana Inc. | $8.00 | 3 ★ |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) H6622_084 | HMO C-SNP | Humana Humana Inc. | $0.00 | 3.5 ★ |
MA (7 plans)
| Plan | Type | Organization | Base Premium/mo | Overall Stars |
|---|---|---|---|---|
| AARP Medicare Advantage Patriot No Rx VA-MA01 (PPO) H2001_099 | PPO | UnitedHealthcare UnitedHealth Group, Inc. | $0.00 | 4.5 ★ |
| HumanaChoice H5216-152 (PPO) H5216_152 | PPO | Humana Humana Inc. | $0.00 | 3.5 ★ |
| Humana USAA Honor Giveback (PPO) H5216_310 | PPO | Humana Humana Inc. | $0.00 | 3.5 ★ |
| Aetna Medicare Eagle Giveback (PPO) H5521_322 | PPO | Aetna Medicare CVS Health Corporation | $0.00 | 4.5 ★ |
| Humana USAA Honor Giveback (PPO) H7617_101 | PPO | Humana Humana Inc. | $0.00 | 4.5 ★ |
| HumanaChoice R0110-004 (Regional PPO) R0110_004 | Regional PPO | Humana Humana Inc. | $0.00 | 3.5 ★ |
| Humana USAA Honor Giveback (Regional PPO) R0110_006 | Regional PPO | Humana Humana Inc. | $0.00 | 3.5 ★ |
What these figures mean
Base premium: The amount shown is the plan's monthly base premium. Most Medicare enrollees also pay the standard Medicare Part B premium (generally deducted from your Social Security benefit). Higher-income enrollees pay an additional Income-Related Monthly Adjustment Amount (IRMAA). Low-income enrollees may qualify for the Extra Help (LIS) program, which can reduce or eliminate plan premiums and cost-sharing. A $0.00 plan premium does not mean $0 total monthly cost.
CMS star rating: CMS rates Medicare Advantage and Part D plans on a 1–5 star scale based on quality measures including preventive care, managing chronic conditions, member experience, and drug plan performance. A higher rating is generally better, but the best plan for you also depends on your specific prescriptions, preferred doctors and hospitals, and total cost-sharing. Star ratings reflect the contract's performance across its full service area — not James City specifically.
MOOP (Maximum Out-of-Pocket): For MA plans, the Maximum Out-of-Pocket limit caps your annual in-network cost-sharing. Not shown in the table above; visible at medicare.gov/plan-compare for each specific plan.
How to compare these plans
Compare plans on the figures shown — base premium, plan type, organization, and CMS star rating. These are sourced from the CMS CY2026 Medicare Landscape Files (RECORDED figures). Atlas Commons does not rank a "best" plan — the right choice depends on your specific doctors, prescriptions, and budget. Use medicare.gov/plan-compare to enter your specific drugs and providers for a complete comparison.
Frequently asked questions
How many Medicare plans are available in James City, Virginia?
For contract year 2026, the CMS Medicare Landscape Files record 60 Medicare Advantage and Part D plans available in James City, Virginia. This count covers all contract types: SNP (26), MA-PD (27), MA (7).
What do Medicare plans cost in James City, Virginia?
Base monthly premiums for plans in James City range from $0.00 to $255.00 — 32 plans have a $0.00 base premium. These are the plan's base premium only. Your actual monthly cost also includes the Medicare Part B premium (most people pay $174.70/mo in 2026, deducted from Social Security), and may include income-related adjustments (IRMAA) or Low Income Subsidy credits. A $0.00 plan premium does not mean $0 total cost.
How are Medicare plans in James City, Virginia rated?
CMS has assigned Overall star ratings (1–5 stars) to 43 of 60 plans in James City. The unweighted average overall star rating is 3.8 stars. Star ratings are CMS's quality score — a higher rating generally reflects better performance across quality measures, but the best plan for you depends on your specific prescriptions, preferred providers, and budget. 17 plans in this county do not have an overall CMS rating (typically PDP-only or newly contracted plans).
How do I enroll in a Medicare plan in James City, Virginia?
Use the official Medicare Plan Finder at medicare.gov/plan-compare. Enter your ZIP code to see plans with exact premiums, copays, drug coverage, and provider networks — customized to your situation and drugs. Enrollment periods apply (Annual Enrollment: Oct 15–Dec 7; Special Enrollment Periods for qualifying events). This page shows which plans exist and their base premiums; to enroll, use Medicare's official tool.
Where can I get free, unbiased help choosing a Medicare plan?
Contact your State Health Insurance Assistance Program (SHIP) — a free, unbiased Medicare counseling service available in every state. Call 1-800-MEDICARE (1-800-633-4227), available 24 hours a day, 7 days a week. SHIP counselors help you compare plans, understand costs, and make enrollment decisions at no cost.
What to do next
- Compare and enroll: medicare.gov/plan-compare — the official Medicare Plan Finder. Enter your ZIP code, drugs, and providers to compare all plans with exact costs and coverage.
- Free unbiased help: Contact your State Health Insurance Assistance Program (SHIP) — free Medicare counseling in every state — or call 1-800-MEDICARE (1-800-633-4227), 24/7.
- Official source: CMS Medicare Landscape Files — the source of this data.
RECORDED premiums · DETERMINATION star ratings · AGGREGATED plan count. Plan list for James City, Virginia, CY2026. Data generated June 24, 2026.
Machine-readable: JSON-LD · Markdown · Source: CMS Medicare Landscape Files