Medicare Advantage

Huber Heights Medicare: 101 Options Open for 2026

HUBER HEIGHTS, Ohio — If you're sorting through Medicare choices this fall, you have plenty to look at. Huber Heights is in Montgomery County, where 101 Medicare Advantage plans are available for the 2026 plan year, according to the federal Medicare Plan Finder. That's a wide field — and knowing how the numbers break down can make the shopping feel less overwhelming.

What "101 options" really means

The 101 figure counts Medicare Advantage plans offered in Montgomery County for 2026. Medicare Advantage (also called Part C) is the private-plan alternative to Original Medicare, and most of these plans also include prescription drug coverage (that combination is called MA-PD).

Plan availability is set at the county level by the Centers for Medicare & Medicaid Services (CMS). So every eligible resident of Huber Heights sees the same county menu — your neighbor across town has the same options you do.

Who's offering plans in the area

Fifteen different carriers are offering MA-PD plans in Montgomery County for 2026. That's the number of separate insurance companies with a footprint here — not the number of plans, since most carriers offer more than one option.

A few things to keep in mind as you compare:

• Carriers can differ in doctor and hospital networks, so a plan is only useful if the providers you want are in it.
• Formularies (the lists of covered drugs) vary from plan to plan, even within the same carrier.
• Extra benefits, referral rules, and service areas can all differ.

What about stand-alone drug plans?

The Medicare Plan Finder currently shows zero stand-alone Part D prescription drug plans listed in the Montgomery County data pull we used for this snapshot. If you rely on Original Medicare and want prescription coverage, it's worth checking medicare.gov directly during Open Enrollment, since Part D availability can update. Most people in this county who want drug coverage get it bundled inside a Medicare Advantage plan.

Star Ratings in the local snapshot

CMS publishes Star Ratings each year to measure plan quality on things like customer service, complaints, and preventive care. In the current data for Montgomery County, no contracts are rated 4 stars or higher. Ratings can shift year to year, and a plan's star score is only one piece of the picture — network, drug coverage, and total costs matter too.

You can look up any plan's current rating on medicare.gov.

2026 program changes worth knowing

Whether you keep what you have or switch, a few Medicare-wide changes apply in 2026:

• Part D out-of-pocket cap: $2,100 for the year. Once you hit it, you pay $0 for covered drugs the rest of the year.
• Part D deductible: up to $615, depending on the plan.
• No more "donut hole." The old coverage gap was eliminated in 2025; Part D now has three phases.
• Medicare Prescription Payment Plan: an optional program that lets you spread your yearly drug costs across monthly payments instead of paying at the pharmacy counter.
• IRMAA: higher-income beneficiaries pay a surcharge on Part B and Part D premiums. For single filers, it kicks in above $109,000 in income.

Key dates for Huber Heights residents

• Annual Enrollment Period: October 15 – December 7. This is when you can join, switch, or drop a Medicare Advantage or Part D plan for the next year.
• Medicare Advantage Open Enrollment: January 1 – March 31. If you're already in a Medicare Advantage plan, you get one chance during this window to switch to a different MA plan or return to Original Medicare.