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    FreeTwo 2027 reports
    Medicare Advantage · Missouri · enrollment Oct 2026

    Medicare Advantage in Missouri: 644,422 members, 12 carriers, UnitedHealth in front.

    UnitedHealth holds 41.3% of Missouri’s visible Medicare Advantage members, ahead of Humana at 24.6% and Aetna (CVS) at 16.8%. The market grew +2.9% (+18,412 members) from Nov 2025 to Oct 2026 and stepped +0.2% at the 2026 election period. 54.5% of the state's Medicare beneficiaries are in a Medicare Advantage plan.

    Visible members
    644,422
    Oct 2026
    Carriers
    12
    147 plans with members
    MA penetration
    54.5%
    of 1,381,155 eligible
    Twelve months
    +2.9%
    +18,412 members
    Election step
    +0.2%
    December to January 2026
    Top three
    82.8%
    HHI 2,679, highly concentrated

    Every carrier with members in Missouri

    Ranked by visible members in Oct 2026. The twelve-month change runs Nov 2025 to Oct 2026; the election step is the carrier’s own December-to-January change. Counties led counts counties where the carrier has the most visible members and at least one other carrier is visible. UnitedHealth leads 91 of the 111 counties with a lead. At the election period Devoted stepped up most (+397.4%) and Elevance stepped down most (−55.8%).

    #CarrierMembersShareTwelve monthsElection stepCounties ledRating$0 premiumPlans
    1UnitedHealth266,405
    41.3%
    		−9.1%−7.8%91 of 1153.7499%32
    2Humana158,608
    24.6%
    		+79.8%+58.7%17 of 994.3599%34
    3Aetna (CVS)108,458
    16.8%
    		−14.0%−14.4%3 of 1113.5198%34
    4Lumeris Group Holdings Corporation45,325
    7.0%
    		+7.2%+5.8%0 of 214.0097%7
    5Devoted26,388
    4.1%
    		+491.0%+397.4%0 of 494.00100%15
    6Elevance23,470
    3.6%
    		−59.1%−55.8%0 of 643.00100%5
    7Centene6,218
    1.0%
    		+13.7%+29.3%0 of 543.00100%7
    8CoxHealth4,335
    0.7%
    		+14.1%+10.6%0 of 104.00100%3
    9Health Care Service Corporation3,009
    0.5%
    		+2.7%−10.6%0 of 132.87100%6
    10Rifkin Managed Care Holding, LLC1,337
    0.2%
    		−6.9%−4.2%0 of 304.00100%1
    11Mitchell Family Office739
    0.1%
    		+41.8%+12.8%0 of 21–100%2
    12Missouri Healthcare Advisors, LLC130
    0.0%
    		+39.8%−1.1%0 of 44.50100%1

    Missouri county by county

    115 counties with visible members, largest first. A county’s leader is the carrier with the most visible members there; a county with one visible carrier shows no leader, because the others are suppressed, not absent. Penetration is Medicare Advantage members as a share of the county’s Medicare beneficiaries.

    CountyVisible membersCarriersLeaderLeader shareMA penetrationDual eligibles
    St. Louis114,73610UnitedHealth39.7%57.8%23,644
    Jackson68,2887Humana39.8%56.4%19,977
    St. Charles44,82710UnitedHealth42.6%60.5%5,158
    Greene37,85611Humana25.6%61.8%8,992
    Jefferson29,41710UnitedHealth34.6%65.6%4,809
    St. Louis City29,3608UnitedHealth39.1%64.5%13,483
    Clay19,4807Humana62.8%47.9%4,185
    Franklin17,5187UnitedHealth53.5%74.3%2,819
    Jasper12,7777Humana31.6%52.4%4,708
    Christian11,4299Humana26.7%60.5%1,922
    Cass11,1886UnitedHealth50.2%53.9%1,953
    Boone10,2938UnitedHealth46.6%48.3%3,848
    Taney9,12210Humana29.2%62.7%2,148
    St. Francois8,1045UnitedHealth49.4%57.1%3,310
    Platte7,4927Humana64.1%44.2%1,248
    Lincoln6,8487UnitedHealth39.9%62.7%1,352
    Buchanan6,2133UnitedHealth89.0%37.5%2,965
    Stone6,0668Humana29.4%61.4%956
    Laclede5,9997Humana38.6%69.1%1,598
    Newton5,8867Humana29.9%45.8%1,733
    Camden5,8216Humana46.7%49.1%1,178
    Webster5,7649UnitedHealth25.8%66.8%1,276
    Howell5,5786UnitedHealth33.1%54.8%2,561
    Lawrence5,5299UnitedHealth26.6%62.1%1,433
    Barry5,3408UnitedHealth28.3%61.5%1,392
    Warren5,2549UnitedHealth53.7%69.7%834
    Cole5,2027UnitedHealth51.6%56.1%1,778
    Polk4,6958Aetna (CVS)26.5%70.4%1,288
    Cape Girardeau4,5675UnitedHealth66.6%34.6%2,318
    Pettis4,0443UnitedHealth48.8%46.8%1,612
    Phelps3,8748UnitedHealth69.0%50.1%1,622
    Callaway3,8017UnitedHealth45.4%53.2%1,357
    Johnson3,7355UnitedHealth74.2%44.5%1,033
    Crawford3,5059UnitedHealth56.2%64.6%1,058
    Scott3,5005UnitedHealth70.8%41.1%2,063
    Butler3,4954UnitedHealth63.9%38.7%2,506
    Benton3,4044UnitedHealth51.4%52.8%1,069
    Lafayette3,3646UnitedHealth47.7%51.7%1,014
    Washington3,3429UnitedHealth45.8%68.5%1,258
    Wright3,3047UnitedHealth31.2%65.6%1,042
    Pulaski3,1385UnitedHealth48.0%46.6%1,186
    Dallas3,0416UnitedHealth27.0%71.5%816
    Dunklin2,9214UnitedHealth71.1%46.3%2,023
    Henry2,9036UnitedHealth76.8%50.6%1,044
    Stoddard2,8545UnitedHealth63.7%42.0%1,611
    Morgan2,7805UnitedHealth42.0%49.7%891
    Texas2,7306UnitedHealth60.5%51.1%1,227
    Miller2,7006UnitedHealth44.8%52.6%904
    McDonald2,6017Humana28.9%60.8%879
    Ste. Genevieve2,3775UnitedHealth83.5%61.4%498
    Cedar2,2275UnitedHealth31.9%59.5%701
    Gasconade2,1627UnitedHealth64.4%59.9%487
    Audrain2,1015UnitedHealth63.6%41.9%847
    Douglas2,0136Humana29.7%57.4%512
    Vernon1,9905Humana43.1%51.1%855
    Randolph1,9844UnitedHealth70.0%42.6%986
    Marion1,9744UnitedHealth88.0%34.8%1,247
    Ray1,9635Humana51.4%50.0%587
    Bates1,8185UnitedHealth54.2%52.5%594
    Saline1,8123UnitedHealth54.8%44.9%817
    Hickory1,7446Aetna (CVS)29.3%58.8%466
    Wayne1,6624UnitedHealth70.8%53.3%876
    Dent1,6336UnitedHealth71.2%45.6%797
    Clinton1,5974UnitedHealth69.4%41.3%531
    Pemiscot1,5934UnitedHealth75.1%48.6%1,129
    Cooper1,5915UnitedHealth47.4%48.2%574
    Ozark1,4985Humana45.7%54.4%467
    New Madrid1,4605UnitedHealth76.1%45.7%945
    Madison1,4385UnitedHealth63.6%50.3%632
    Pike1,3695UnitedHealth57.9%40.9%667
    Montgomery1,3395UnitedHealth60.1%53.6%458
    Barton1,3305UnitedHealth29.5%45.8%478
    Oregon1,3274Humana41.4%50.2%691
    St. Clair1,2524UnitedHealth47.4%51.6%458
    Dade1,2456Aetna (CVS)27.6%65.0%341
    Iron1,1845UnitedHealth54.3%52.0%667
    Moniteau1,1475UnitedHealth44.6%53.4%353
    Ripley1,1354UnitedHealth64.8%39.6%879
    Adair1,0744UnitedHealth71.5%26.6%865
    Perry1,0405UnitedHealth63.6%33.1%565
    Shannon1,0285UnitedHealth41.3%51.9%502
    Mississippi1,0224UnitedHealth77.4%41.6%745
    Bollinger9915UnitedHealth67.8%42.8%534
    Macon9753UnitedHealth68.4%31.9%523
    Livingston9385UnitedHealth72.4%32.4%550
    Osage8525UnitedHealth56.8%53.8%235
    Howard8363UnitedHealth53.8%44.4%324
    Andrew8224UnitedHealth77.0%29.9%344
    Linn7873UnitedHealth82.2%30.5%490
    Carroll7364UnitedHealth47.5%41.0%351
    Maries7365UnitedHealth49.7%47.0%270
    Nodaway7332UnitedHealth90.5%21.3%508
    Caldwell6654UnitedHealth79.5%43.9%251
    Reynolds6465UnitedHealth56.0%42.8%351
    Ralls6292UnitedHealth91.6%32.2%231
    Grundy6103UnitedHealth88.5%30.9%396
    Monroe5992UnitedHealth82.6%35.3%288
    Carter5964UnitedHealth57.7%41.3%378
    Lewis5703UnitedHealth88.4%30.9%290
    DeKalb5314UnitedHealth93.2%33.9%249
    Harrison3992UnitedHealth87.7%27.0%410
    Chariton3903UnitedHealth89.5%27.8%219
    Daviess3872UnitedHealth95.9%31.7%223
    Sullivan3093UnitedHealth84.5%30.0%269
    Shelby2752UnitedHealth82.2%27.9%210
    Clark2711one visible carrier–25.1%200
    Gentry2192UnitedHealth94.1%24.2%221
    Putnam2002UnitedHealth90.5%27.6%183
    Holt1762UnitedHealth92.6%27.0%132
    Schuyler1672UnitedHealth82.0%31.2%146
    Atchison1562UnitedHealth92.3%21.1%169
    Mercer1441one visible carrier–29.4%123
    Scotland1131one visible carrier–20.5%121
    Knox1032UnitedHealth73.8%23.0%123
    Worth471one visible carrier–28.7%73

    Missouri's twelve months

    Visible Medicare Advantage members in Missouri each month, Nov 2025 to Oct 2026. The December-to-January step is the election period; the rest of the year moves on new eligibles, special enrollment and deaths.

    Nov 2025 · 626,010Oct 2026 · 644,422

    What 2027 does to Missouri

    The fate assigned to every plan for 2027, joined to the members in it today. A plan that ends sends its members to choose again; a plan dropping counties keeps the plan but not every county, and which counties is not stated.

    Plans that end
    20,084

    members in Missouri are in plans that end for 2027.

    • UnitedHealth18,249
    • Health Care Service Corporation1,234
    • Aetna (CVS)601
    Plans dropping counties
    238,156

    members are in plans that keep selling in Missouri but drop at least one county for 2027.

    • UnitedHealth · 12 plans122,119
    • Humana · 11 plans89,653
    • Aetna (CVS) · 11 plans24,976
    • Rifkin Managed Care Holding, LLC · 1 plans1,337
    • Devoted · 2 plans71

    The plans on sale in Missouri for 2027

    Benefit design weighted by each plan’s members today, so a figure is what the market’s members are offered, not a count of plans. The rating is the 2027 overall Star Rating, weighted the same way.

    $0 premium
    99%

    of members are in a plan with no monthly premium

    In-network maximum
    $4,450

    median out-of-pocket maximum, member weighted

    Star Rating
    3.84

    2027 overall, member weighted

    Carrier Command · for Medicare Advantage plans

    The read on every carrier in Missouri is in Carrier Command.

    A monthly position page for each of the 12 carriers here: risk and rebate against the market, Stars levers, the election-period forecast, county standing and the written read. Launching for Medicare Advantage plans.

    Request early access See Carrier Command

    Other states

    Every state has its own page; the largest carriers have one nationally.

    UnitedHealth in every state · Humana in every state · Aetna (CVS) in every state · All states and carriers

    How these numbers are made

    • Members are visible members: CMS suppresses any plan-county cell of ten or fewer, so small counties undercount. Market share excludes employer group plans.
    • Enrollment is Oct 2026; the twelve months run Nov 2025 to Oct 2026; the election step compares December 2025 with January 2026.
    • Plan fates are the ones assigned for contract year 2027; benefit design is the 2027 filing; the rating is the 2027 overall Star Rating of each carrier's contracts, weighted by members in Missouri.
    • A carrier is a parent organization; its brands in Missouri may carry other names. The rank 1st to 12th counts every parent with visible members in 2026.
    • Every figure comes from public CMS data as Livmor reads it, and the page is rebuilt when a new month posts. Livmor Carrier Command, public CMS data.