Top-Rated Medicare Advantage Plans in Chambersburg (Franklin County) for 2027
UnitedHealthcare, Highmark Blue Cross Blue Shield or Highmark Blue Shield and Aetna (CVS Health) have 2027 plans in Franklin County rated 4.5 stars or higher by Medicare in the 2027 CMS Star Ratings.
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2027 CMS Star Ratings
Top-rated Medicare Advantage plans in Franklin County (2027 CMS Star Ratings)
Of the 81 Medicare Advantage plans offered in Franklin County for 2027, 1 is rated 5 stars, 13 are rated 4.5 stars and 29 are rated 4 stars in the 2027 CMS Star Ratings.
Franklin County includes Chambersburg. Plans are approved for the whole county, so the same plans are offered in all of it.
| Plan | Insurer | Plan type | 2027 overall rating |
|---|---|---|---|
| UHC Nursing Home Plan EX-F002 (PPO I-SNP) | UnitedHealthcare | PPO I-SNP | 5 out of 5 |
| AARP Medicare Advantage from UHC PA-0015 (PPO) | UnitedHealthcare | PPO | 4.5 out of 5 |
| Aetna Medicare Advantra Premier (PPO) | Aetna (CVS Health) | PPO | 4.5 out of 5 |
| Aetna Medicare Advantra Signature (PPO) | Aetna (CVS Health) | PPO | 4.5 out of 5 |
| Aetna Medicare Advantra Signature Giveback (PPO) | Aetna (CVS Health) | PPO | 4.5 out of 5 |
| Aetna Medicare Signature Giveback (PPO) | Aetna (CVS Health) | PPO | 4.5 out of 5 |
| Aetna Medicare Value Plus (PPO) | Aetna (CVS Health) | PPO | 4.5 out of 5 |
| Community Blue Medicare HMO Distinct (HMO) | Highmark Blue Cross Blue Shield or Highmark Blue Shield | HMO | 4.5 out of 5 |
| Community Blue Medicare HMO Signature (HMO) | Highmark Blue Cross Blue Shield or Highmark Blue Shield | HMO | 4.5 out of 5 |
| Freedom Blue PPO Basic (PPO) | Highmark Blue Cross Blue Shield or Highmark Blue Shield | PPO | 4.5 out of 5 (health plan rating) |
| Freedom Blue PPO Deluxe (PPO) | Highmark Blue Cross Blue Shield or Highmark Blue Shield | PPO | 4.5 out of 5 |
| Freedom Blue PPO Standard (PPO) | Highmark Blue Cross Blue Shield or Highmark Blue Shield | PPO | 4.5 out of 5 |
| Freedom Blue PPO Valor (PPO) | Highmark Blue Cross Blue Shield or Highmark Blue Shield | PPO | 4.5 out of 5 (health plan rating) |
| Freedom Blue PPO ValueRx (PPO) | Highmark Blue Cross Blue Shield or Highmark Blue Shield | PPO | 4.5 out of 5 |
| AARP Medicare Advantage from UHC PA-0002 (HMO-POS) | UnitedHealthcare | HMO-POS | 4 out of 5 |
| AARP Medicare Advantage from UHC PA-0007 (PPO) | UnitedHealthcare | PPO | 4 out of 5 |
| AARP Medicare Advantage from UHC PA-0008 (PPO) | UnitedHealthcare | PPO | 4 out of 5 |
| AARP Medicare Advantage from UHC PA-0011 (PPO) | UnitedHealthcare | PPO | 4 out of 5 |
| AARP Medicare Advantage Giveback from UHC PA-12 (PPO) | UnitedHealthcare | PPO | 4 out of 5 |
| Aetna Medicare Signature Extra (PPO) | Aetna (CVS Health) | PPO | 4 out of 5 |
| Capital Blue Cross Basic (PPO) | Capital Blue Cross | PPO | 4 out of 5 |
| Capital Blue Cross Classic (PPO) | Capital Blue Cross | PPO | 4 out of 5 |
| Capital Blue Cross Essential (HMO) | Capital Blue Cross | HMO | 4 out of 5 |
| Capital Blue Cross Premier (HMO) | Capital Blue Cross | HMO | 4 out of 5 |
| Capital Blue Cross Prime (PPO) | Capital Blue Cross | PPO | 4 out of 5 |
| Capital Blue Cross Value (HMO) | Capital Blue Cross | HMO | 4 out of 5 |
| Capital Blue Cross Value (PPO) | Capital Blue Cross | PPO | 4 out of 5 |
| Geisinger Gold Classic Advantage Rx (HMO) | Geisinger Gold | HMO | 4 out of 5 |
| Geisinger Gold Classic Complete Rx (HMO) | Geisinger Gold | HMO | 4 out of 5 |
| Geisinger Gold Classic Essential Rx (HMO) | Geisinger Gold | HMO | 4 out of 5 |
| Geisinger Gold Heritage (HMO) | Geisinger Gold | HMO | 4 out of 5 (health plan rating) |
| Geisinger Gold Preferred Advantage Rx (PPO) | Geisinger Gold | PPO | 4 out of 5 |
| Geisinger Gold Preferred Balance Rx (PPO) | Geisinger Gold | PPO | 4 out of 5 |
| Geisinger Gold Preferred Complete Rx (PPO) | Geisinger Gold | PPO | 4 out of 5 |
| Geisinger Gold Secure Rx (HMO D-SNP) | Geisinger Gold | HMO D-SNP | 4 out of 5 |
| Geisinger Gold Value Rx (HMO) | Geisinger Gold | HMO | 4 out of 5 |
| Humana Dual Select H6622-103 (HMO D-SNP) | Humana | HMO D-SNP | 4 out of 5 |
| Humana Essentials Plus Giveback (PPO) | Humana | PPO | 4 out of 5 |
| Humana Gold Plus SNP-DE H6622-078 (HMO D-SNP) | Humana | HMO D-SNP | 4 out of 5 |
| Humana USAA Honor Giveback with Rx (PPO) | Humana | PPO | 4 out of 5 |
| HumanaChoice H5216-120 (PPO) | Humana | PPO | 4 out of 5 |
| UHC Complete Care PA-17 (HMO-POS C-SNP) | UnitedHealthcare | HMO-POS C-SNP | 4 out of 5 |
| UHC Complete Care Support PA-1A (HMO-POS C-SNP) | UnitedHealthcare | HMO-POS C-SNP | 4 out of 5 |
| AARP Medicare Advantage Patriot No Rx PA-MA01 (HMO-POS) | UnitedHealthcare | HMO-POS | 3.5 out of 5 (health plan rating) |
| Aetna Medicare Advantra Eagle Plus (HMO-POS) | Aetna (CVS Health) | HMO-POS | 3.5 out of 5 (health plan rating) |
| Aetna Medicare Advantra Enhanced (HMO-POS) | Aetna (CVS Health) | HMO-POS | 3.5 out of 5 |
| Aetna Medicare Chronic Care Value (HMO C-SNP) | Aetna (CVS Health) | HMO C-SNP | 3.5 out of 5 |
| Aetna Medicare Dual (HMO D-SNP) | Aetna (CVS Health) | HMO D-SNP | 3.5 out of 5 |
| Aetna Medicare Longevity (HMO I-SNP) | Aetna (CVS Health) | HMO I-SNP | 3.5 out of 5 |
| Amerihealth Caritas VIP Care (HMO D-SNP) | VISTA Health Plan Inc. | HMO D-SNP | 3.5 out of 5 |
| DEVOTED C-SNP ENHANCED 019 PA (HMO C-SNP) | Devoted Health | HMO C-SNP | 3.5 out of 5 |
| DEVOTED C-SNP GIVEBACK EXTRAS 030 PA (HMO C-SNP) | Devoted Health | HMO C-SNP | 3.5 out of 5 |
| DEVOTED C-SNP PLUS 022 PA (HMO C-SNP) | Devoted Health | HMO C-SNP | 3.5 out of 5 |
| DEVOTED CORE 012 PA (HMO) | Devoted Health | HMO | 3.5 out of 5 |
| DEVOTED DUAL FULL 025 PA (HMO D-SNP) | Devoted Health | HMO D-SNP | 3.5 out of 5 |
| DEVOTED DUAL PLUS 005 PA (HMO D-SNP) | Devoted Health | HMO D-SNP | 3.5 out of 5 |
| DEVOTED GIVEBACK 013 PA (HMO) | Devoted Health | HMO | 3.5 out of 5 |
| DEVOTED GIVEBACK EXTRAS 034 PA (HMO) | Devoted Health | HMO | 3.5 out of 5 |
| Highmark Wholecare Medicare Assured Diamond (HMO D-SNP) | Highmark Wholecare Medicare Assured | HMO D-SNP | 3.5 out of 5 |
| Highmark Wholecare Medicare Assured Ruby (HMO D-SNP) | Highmark Wholecare Medicare Assured | HMO D-SNP | 3.5 out of 5 |
| HumanaChoice R0110-007 (Regional PPO) | Humana | PPO | 3.5 out of 5 (health plan rating) |
| HumanaChoice R0110-008 (Regional PPO) | Humana | PPO | 3.5 out of 5 |
| UHC Dual Complete PA-S001 (PPO D-SNP) | UnitedHealthcare | PPO D-SNP | 3.5 out of 5 |
| UPMC for Life Complete Care (HMO D-SNP) | UPMC for Life Complete Care | HMO D-SNP | 3.5 out of 5 |
| Wellcare PA Health & Wellness Dual Liberty Sync (HMO-POS D-SNP) | Centene (WellCare) | HMO-POS D-SNP | 3.5 out of 5 |
| Wellcare PA Health & Wellness Dual Select (HMO-POS D-SNP) | Centene (WellCare) | HMO-POS D-SNP | 3.5 out of 5 |
| DEVOTED CHOICE 007 PA (PPO) | Devoted Health | PPO | 3 out of 5 |
| DEVOTED CHOICE GIVEBACK 008 PA (PPO) | Devoted Health | PPO | 3 out of 5 |
| HealthSpring Preferred (HMO) | Blue Cross Blue Shield (HCSC) | HMO | 3 out of 5 |
| HealthSpring TotalCare Plus (HMO D-SNP) | Blue Cross Blue Shield (HCSC) | HMO D-SNP | 3 out of 5 |
| HealthSpring True Choice (PPO) | Blue Cross Blue Shield (HCSC) | PPO | 3 out of 5 |
| Jefferson Health Plans Complete (HMO) | Jefferson Health Plans | HMO | 3 out of 5 |
| Jefferson Health Plans Dual Pearl (HMO D-SNP) | Jefferson Health Plans | HMO D-SNP | 3 out of 5 |
| Jefferson Health Plans Flex (PPO) | Jefferson Health Plans | PPO | 3 out of 5 |
| Jefferson Health Plans Giveback (HMO) | Jefferson Health Plans | HMO | 3 out of 5 |
| Jefferson Health Plans Preferred (PPO) | Jefferson Health Plans | PPO | 3 out of 5 |
| Jefferson Health Plans Prime (HMO) | Jefferson Health Plans | HMO | 3 out of 5 |
| Jefferson Health Plans Select (HMO D-SNP) | Jefferson Health Plans | HMO D-SNP | 3 out of 5 |
| Jefferson Health Plans Special (HMO D-SNP) | Jefferson Health Plans | HMO D-SNP | 3 out of 5 |
| UHC Dual Advantage PA-V1 (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP | 3 out of 5 |
| UHC Dual Complete PA-S002 (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP | 3 out of 5 |
A plan without Part D drug coverage has no overall rating; its Part C summary rating (health plan rating) is shown instead, as CMS does.
Compare plans for your ZIP code in Medicare's Plan Finder on Medicare.gov.
What Medicare Star Ratings measure
CMS rates every Medicare Advantage contract from 1 to 5 stars each year. For 2027, the health plan (Part C) rating looks at five areas: staying healthy (screenings, tests and vaccines), managing chronic (long-term) conditions, members' experience with the plan, member complaints and changes in the plan's performance, and the plan's customer service. A plan with drug coverage is also rated on four drug plan (Part D) areas: customer service, member complaints and changes in performance, members' experience, and drug safety and accuracy of drug pricing.
The scores come from member surveys, information plans and providers report, and Medicare's own data such as complaints and appeals. The overall rating combines the health and drug plan measures; a plan without drug coverage has a Part C summary rating instead. Ratings are given per contract, so every plan under the same contract carries the same stars.
The 5-star Special Enrollment Period
Medicare's 5-star Special Enrollment Period lets you switch, once, to a plan with a 5-star overall rating that is offered where you live, outside the usual enrollment periods. For plans rated 5 stars for 2027, it runs from December 8, 2026 through November 30, 2027.
In Franklin County, 1 Medicare Advantage plan has a 5-star overall rating for 2027, so the 5-star Special Enrollment Period can apply here.
If you switch from a plan with drug coverage to a 5-star plan without it, you could lose your drug coverage, so check before you switch.
Every year, Medicare evaluates plans based on a 5-star rating system.
These ratings are CMS's, not ours, and we do not recommend plans. A rating does not tell you whether a plan covers your doctors and drugs or what it charges.
Source: CMS 2027 Star Ratings Data Tables (Summary Ratings), released October 8, 2026; plans offered: CMS CY2027 Medicare Advantage Landscape file.
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