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    FreeTwo 2027 reports
    Medicare Advantage · Pennsylvania · enrollment Oct 2026

    Medicare Advantage in Pennsylvania: 1,399,326 members, 17 carriers, Aetna (CVS) in front.

    Aetna (CVS) holds 23.5% of Pennsylvania’s visible Medicare Advantage members, ahead of Highmark Health at 19.4% and UPMC Health System at 15.7%. The market grew +2.0% (+27,145 members) from Nov 2025 to Oct 2026 and stepped −0.9% at the 2026 election period. 54.4% of the state's Medicare beneficiaries are in a Medicare Advantage plan.

    Visible members
    1,399,326
    Oct 2026
    Carriers
    17
    238 plans with members
    MA penetration
    54.4%
    of 3,056,975 eligible
    Twelve months
    +2.0%
    +27,145 members
    Election step
    −0.9%
    December to January 2026
    Top three
    58.6%
    HHI 1,445, unconcentrated

    Every carrier with members in Pennsylvania

    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. Risant Health, Inc. leads 17 of the 67 counties with a lead. At the election period Devoted stepped up most (+124.5%) and Highmark Health stepped down most (−8.9%).

    #CarrierMembersShareTwelve monthsElection stepCounties ledRating$0 premiumPlans
    1Aetna (CVS)328,628
    23.5%
    		+1.9%+1.1%14 of 673.8872%34
    2Highmark Health271,302
    19.4%
    		−6.2%−8.9%15 of 664.3593%41
    3UPMC Health System220,116
    15.7%
    		−1.0%−3.0%14 of 644.3247%17
    4Independence Health Group, Inc.130,194
    9.3%
    		−7.4%−8.5%5 of 633.9183%19
    5UnitedHealth115,916
    8.3%
    		+1.4%−2.1%1 of 653.7686%25
    6Risant Health, Inc.95,418
    6.8%
    		+0.9%−3.4%17 of 464.0063%9
    7Humana92,426
    6.6%
    		+17.5%+12.0%1 of 674.00100%23
    8CAPITAL BLUE CROSS48,437
    3.5%
    		+48.3%+40.8%0 of 214.0082%10
    9Health Care Service Corporation36,116
    2.6%
    		−3.4%−4.5%0 of 263.0084%13
    10Thomas Jefferson University28,035
    2.0%
    		+72.0%+43.9%0 of 193.00100%9
    11Devoted16,353
    1.2%
    		+182.9%+124.5%0 of 453.24100%25
    12Centene13,920
    1.0%
    		−13.5%−8.1%0 of 613.50100%5
    13Rifkin Managed Care Holding, LLC832
    0.1%
    		+8.9%+1.0%0 of 93.50100%2
    14Clover Health Holdings, Inc.674
    0.1%
    		+21.9%+25.6%0 of 35.00100%1
    15Mitchell Family Office490
    0.0%
    		+49.9%+23.9%0 of 11–100%1
    16West Virginia United Health System, Inc.418
    0.0%
    		––0 of 25.00100%2
    17Perennial Consortium, LLC51
    0.0%
    		––0 of 2–100%2

    Pennsylvania county by county

    67 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
    Allegheny168,48711UPMC Health System36.9%68.8%39,942
    Philadelphia150,27113Independence Health Group, Inc.26.9%60.0%100,000
    Westmoreland63,45011UPMC Health System32.6%71.5%12,098
    Montgomery58,50412Independence Health Group, Inc.46.1%36.7%18,303
    Lancaster57,65812Highmark Health31.9%51.7%13,693
    Bucks51,44113Independence Health Group, Inc.51.8%40.6%14,426
    York50,41812Aetna (CVS)40.3%52.7%12,109
    Delaware40,29611Independence Health Group, Inc.41.7%41.0%18,019
    Erie38,9209Aetna (CVS)44.2%65.4%12,082
    Berks38,42613Highmark Health24.9%47.0%14,543
    Lehigh33,87312Highmark Health32.7%47.3%14,054
    Washington31,8789Highmark Health33.0%67.4%6,837
    Luzerne30,8029Risant Health, Inc.50.8%45.8%13,527
    Butler29,31110Highmark Health33.3%69.6%4,955
    Beaver29,2649Highmark Health36.7%70.7%6,375
    Chester29,08711Independence Health Group, Inc.36.7%32.2%8,136
    Northampton28,44812Highmark Health24.3%45.3%9,961
    Dauphin28,41011Highmark Health31.3%61.0%10,583
    Cumberland25,78611Highmark Health31.2%53.9%6,373
    Cambria23,47410UPMC Health System56.2%76.4%6,656
    Lackawanna20,7889Risant Health, Inc.48.5%43.5%11,729
    Fayette19,83810UPMC Health System36.1%67.6%7,590
    Mercer18,98010Aetna (CVS)37.8%69.5%4,787
    Blair18,5259UPMC Health System50.5%65.9%5,623
    Lebanon16,58012Highmark Health40.0%54.4%4,397
    Lawrence15,38110Aetna (CVS)35.9%72.7%4,209
    Schuylkill15,19711Risant Health, Inc.29.1%47.6%6,192
    Lycoming14,8678Risant Health, Inc.38.1%57.5%4,873
    Monroe14,72110Aetna (CVS)23.5%45.1%5,277
    Franklin14,37412Aetna (CVS)38.5%43.6%4,337
    Somerset12,83610UPMC Health System54.6%71.0%2,809
    Northumberland12,5207Risant Health, Inc.63.3%59.2%4,401
    Indiana12,4808UPMC Health System47.6%76.9%3,274
    Armstrong11,27510Highmark Health41.1%75.7%2,731
    Crawford11,1769Aetna (CVS)38.0%57.1%3,788
    Clearfield10,87610UPMC Health System38.4%60.5%3,495
    Adams10,70312Aetna (CVS)43.5%42.9%2,262
    Centre10,1319Risant Health, Inc.53.7%61.8%2,384
    Venango8,8629UPMC Health System54.5%69.0%2,666
    Bedford8,2318UPMC Health System63.6%64.4%2,202
    Bradford7,0579Humana24.1%50.4%2,349
    Columbia7,0207Risant Health, Inc.72.3%51.4%2,467
    Jefferson6,4668Highmark Health46.8%60.8%1,950
    Carbon6,38910Highmark Health26.8%43.4%2,342
    Mifflin6,36010Risant Health, Inc.64.8%60.0%2,049
    Huntingdon5,6169Aetna (CVS)27.6%62.3%1,644
    Perry5,3299Highmark Health31.5%60.6%1,384
    McKean5,1397UPMC Health System42.1%52.9%2,006
    Clinton5,0788Risant Health, Inc.59.9%64.8%1,471
    Clarion5,0469UPMC Health System46.6%62.1%1,620
    Tioga4,9129UnitedHealth20.2%53.6%1,623
    Warren4,6908Aetna (CVS)35.0%54.4%1,590
    Snyder4,3988Risant Health, Inc.60.9%59.4%1,200
    Pike4,3868Aetna (CVS)43.3%35.1%1,516
    Wayne4,2849Risant Health, Inc.29.1%37.0%1,648
    Susquehanna4,2339Risant Health, Inc.32.2%46.3%1,385
    Greene4,2248Aetna (CVS)36.0%71.9%1,689
    Union4,16210Risant Health, Inc.53.6%55.0%1,064
    Elk3,7408Highmark Health37.5%46.2%1,086
    Wyoming3,2299Risant Health, Inc.56.3%56.0%935
    Juniata2,8879Risant Health, Inc.57.0%61.4%747
    Montour2,2807Risant Health, Inc.83.6%61.3%645
    Potter2,2299UPMC Health System24.8%54.1%700
    Fulton1,44910Aetna (CVS)28.4%47.1%570
    Forest8987Aetna (CVS)36.9%66.2%325
    Sullivan6814Risant Health, Inc.53.6%51.7%289
    Cameron5995UPMC Health System54.3%57.0%256

    Pennsylvania's twelve months

    Visible Medicare Advantage members in Pennsylvania 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 · 1,372,181Oct 2026 · 1,399,326

    What 2027 does to Pennsylvania

    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
    22,746

    members in Pennsylvania are in plans that end for 2027.

    • UPMC Health System8,644
    • Aetna (CVS)4,269
    • Highmark Health2,892
    • Thomas Jefferson University2,723
    • Independence Health Group, Inc.2,193
    • UnitedHealth1,435
    • Humana303
    • Health Care Service Corporation168
    Plans dropping counties
    258,683

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

    • UPMC Health System · 10 plans163,315
    • Humana · 5 plans33,711
    • CAPITAL BLUE CROSS · 2 plans22,921
    • Highmark Health · 2 plans16,449
    • UnitedHealth · 2 plans15,032
    • Health Care Service Corporation · 2 plans7,255

    The plans on sale in Pennsylvania 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
    79%

    of members are in a plan with no monthly premium

    In-network maximum
    $7,150

    median out-of-pocket maximum, member weighted

    Star Rating
    4.00

    2027 overall, member weighted

    Carrier Command · for Medicare Advantage plans

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

    A monthly position page for each of the 17 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.

    Aetna (CVS) in every state · Highmark Health in every state · UPMC Health System 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 Pennsylvania.
    • A carrier is a parent organization; its brands in Pennsylvania may carry other names. The rank 1st to 17th 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.