Quick answer
CMS lists 25 Medicare Advantage plans from 6 insurers that people with Medicare can join in Fairfax County, Virginia for 2027. 14 have a $0 monthly premium and 20 include drug coverage. In-network out-of-pocket maximums run from $5,900 to $9,850 a year. 17 of the 24 plans with a 2027 star rating have 4 or more stars. Data last updated September 22, 2026 (CMS landscape 202609.1); star ratings October 8, 2026.
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2027 plan numbers for Fairfax County
Fairfax County at a glance
- Plans open to everyone
- 25
- With a $0 monthly premium
- 14
- With drug coverage
- 20
- In-network out-of-pocket maximum
- $5,900 to $9,850
- Insurers with plans
- 6
- Plans rated 4+ stars
- 17 of 24 rated
- Special needs plans (qualifying members only)
- 22
Plans open to everyone means Medicare Advantage and Medicare Advantage with drug coverage plans that are not special needs plans. Premium means the plan premium; your Part B premium is separate.
Fairfax County ranks #42 among US counties by population (Census estimate for July 1, 2025: 1,167,873 people). By number of plans offered it ranks #96 of the 133 counties in Virginia that have plans, and #1384 of the 3,040 counties in the country that have plans.
Plans by type
| Plan type | Plans | What it generally means |
|---|---|---|
| HMO | 7 | Care usually has to come from the plan's network. |
| HMO with point-of-service (HMO-POS) | 8 | An HMO that covers some out-of-network care. |
| PPO | 7 | Out-of-network care is allowed, usually at a higher cost. |
| Regional PPO | 3 | A PPO sold across a multi-county region. |
Insurers with plans in Fairfax County
| Insurer | Plans in Fairfax County | Share of plans |
|---|---|---|
| Humana | 9 | 36% |
| Kaiser Permanente | 6 | 24% |
| Aetna Medicare | 5 | 20% |
| UnitedHealthcare | 3 | 12% |
| Anthem HealthKeepers | 1 | 4% |
| Johns Hopkins Advantage MD | 1 | 4% |
How Fairfax County compares with the rest of Virginia
The state column is the average of the 133 Virginia counties that have Medicare Advantage plans in the CMS file; each county counts once, whatever its population.
| Measure | Fairfax County | Average Virginia county |
|---|---|---|
| Plans open to everyone | 25 | 29.7 |
| Plans with a $0 premium | 56% | 78% |
| Insurers with plans | 6 | 5.4 |
| PPO and Regional PPO share of plans | 40% | 60% |
| Lowest out-of-pocket maximum | $5,900 | $3,917 |
| Highest out-of-pocket maximum | $9,850 | $9,850 |
| Rated plans with 4+ stars | 71% | 71% |
| Plans with drug coverage | 80% | 75% |
- 56% of the plans here (14 of 25) charge no monthly premium; the average Virginia county is at 78%.
- 40% of the plans in Fairfax County are PPOs or Regional PPOs, against 60% for the average Virginia county.
- In Fairfax County, out-of-pocket maximums start at $5,900 (above the Virginia county average of $3,917).
- Humana has the most plans here: 9 of 25 (36%).
What this means in Fairfax County
With 25 plans from 6 insurers, Fairfax County has fewer options than the Virginia county average of 29.7, which makes checking every one against your doctors and drugs practical. Fewer PPO-type plans than usual means network fit matters more here. With Humana offering 36% of the plans, its network is the first one to check. 14 of 25 plans have a $0 premium and the rest charge one, so weigh premium against the out-of-pocket maximum, which is $5,900 to $9,850. A $0 premium does not remove copays or coinsurance, and your Part B premium is separate.
The list mixes 15 HMO-style and 10 PPO-style plans, so network rules differ from plan to plan; read each plan's provider rules. 17 of the 24 rated plans have 4 or more stars. CMS rates the insurer's contract, so look up the rating of the specific plan you are considering.
How to compare plans in Fairfax County
- Doctors and hospitals. Ask each plan whether your doctors, your hospital and any specialists are in its network today. 15 of 25 plans here are HMO or HMO-POS and 10 are PPO-type, so the rules differ.
- Prescriptions. 20 of 25 plans include drug coverage. For each drug, check the plan's formulary, the tier it sits on and the pharmacy you would use.
- Out-of-pocket cap. The in-network maximum runs $5,900 to $9,850 a year depending on the plan, a gap of $3,950. The cap is what limits a hospital stay or a run of treatments.
- Extras and cost-sharing. Compare copays for primary care, specialists and the emergency room, and any dental, vision and hearing benefits you would use.
- Star rating. 17 of the 24 rated plans have 4 or more stars. Ask for the rating of the exact plan, then see how it handles the doctors and drugs above.
Plan Finder at Medicare.gov shows every plan available at your address. If your ZIP code is in Fairfax County, you can also check plan counts for your ZIP code on this site.
Dates that matter for 2027 coverage
- Open enrollment runs October 15 to December 7, 2026. You can join, switch or drop a Medicare Advantage plan in that window.
- Coverage changes take effect January 1, 2027. Plans send an Annual Notice of Change in the fall listing what is different next year.
Free local Medicare help in Virginia
The State Health Insurance Assistance Program (SHIP) gives free, unbiased Medicare counseling. In Virginia it is run as Virginia Insurance Counseling and Assistance Program (VICAP).
VICAP in Virginia
- Program
- Virginia Insurance Counseling and Assistance Program (VICAP)
- Phone
- 1-800-552-3402
- Website
- dars.virginia.gov/aging/home-community/medicare-counseling
Program name, number and website as listed by the SHIP National Technical Assistance Center, checked October 15, 2026.
You can also reach Medicare at 1-800-MEDICARE (1-800-633-4227, TTY 1-877-486-2048) or compare plans at medicare.gov/plan-compare.
Questions about Medicare Advantage in Fairfax County
How many Medicare Advantage plans are in Fairfax County for 2027?
CMS lists 25 general Medicare Advantage plans in Fairfax County, Virginia for 2027: 7 HMO, 8 HMO-POS, 7 PPO, and 3 Regional PPO. 20 of them include drug coverage. That count leaves out special needs plans (22 more, for people who qualify), cost plans and stand-alone drug plans.
Are there $0 premium Medicare Advantage plans in Fairfax County?
Yes. 14 of the 25 plans (56%) have a $0 monthly plan premium. You still pay your Part B premium, and the plan may charge copays or coinsurance up to its out-of-pocket maximum.
Which insurers offer Medicare Advantage plans in Fairfax County?
6 insurers offer plans in Fairfax County, Virginia. The five with the most plans are Humana (9), Kaiser Permanente (6), Aetna Medicare (5), UnitedHealthcare (3), Anthem HealthKeepers (1).
What is the most I could pay out of pocket in Fairfax County?
In-network out-of-pocket maximums for the 25 plans run from $5,900 to $9,850 a year, depending on the plan. The maximum covers covered services in the plan's network; it does not include the plan's monthly premium.
How many Medicare Advantage plans in Fairfax County have 4 or more stars?
17 of the 24 plans with a 2027 star rating are rated 4 stars or higher. 1 plans are not yet rated or have too little data, and star ratings are given to the insurer's contract.
Sources and what is counted
Source: CMS Medicare Advantage and Part D Landscape source file, contract year 2027, release 202609.1 (file cy2027-landscape-202609-1.zip, CY2027_Landscape_202609.csv), data last updated September 22, 2026; CMS 2027 Part C and D Star Ratings data tables (Summary Ratings table), October 8, 2026; U.S. Census Bureau Vintage 2025 county population estimates (July 1, 2025). Plans counted by Senior Transition Assistance.
A plan is one CMS contract and plan ID offered in Fairfax County. Counts cover Medicare Advantage and Medicare Advantage with drug coverage plans that are open to everyone. Special needs plans, cost plans, employer-only plans and stand-alone Part D plans are not in the counts above. The $0-premium count uses the combined plan premium (Part C plus Part D) when the plan has drug coverage. Star ratings are CMS overall ratings for plans with drug coverage and Part C summary ratings for plans without. Out-of-pocket maximums are the in-network amounts CMS lists.
Figures are for plan year 2027 and come from CMS files dated as shown; the CMS landscape can change before January 1. Confirm any plan's details on Medicare.gov or with the plan.