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Medicare Advantage plans in Clay County, FL for 2027
79 Medicare Advantage plans from 9 companies are available in Clay County for 2027. Plans with a $0 monthly premium (not counting special needs plans): 33. Lowest in-network out-of-pocket limit: $2,500.
Open enrollment for 2027 runs October 15 – December 7, 2026; coverage starts January 1, 2027.
Plans with drug coverage (31)
| Plan | Type | Monthly premium | Drug deductible | Out-of-pocket limit (in network) | Last year's star rating |
|---|---|---|---|---|---|
| Wellcare Simple (HMO-POS) Wellcare | HMO-POS | $0 | $700 | $2,500 | 4 |
| CareOne Plus (HMO) CarePlus Health Plans, Inc. | HMO | $0 | $700 | $3,000 | 4.5 |
| Humana Gold Plus H1036-068 (HMO) Humana | HMO | $0 | $700 | $3,300 | 4.5 |
| CareFree Platinum Giveback (HMO) CarePlus Health Plans, Inc. | HMO | $0 | $700 | $3,750 | 4.5 |
| AARP Medicare Advantage from UHC FL-0005 (HMO-POS) UnitedHealthcare | HMO-POS | $0 | $405 | $3,900 | 4.5 |
| Aetna Medicare Select (HMO) Aetna Medicare | HMO | $0 | $200 | $3,900 | 4.5 |
| Humana Gold Plus Giveback H1036-270 (HMO) Humana | HMO | $0 | $0 | $3,900 | 4.5 |
| CareAccess (HMO) CarePlus Health Plans, Inc. | HMO | $0 | $700 | $4,000 | 4.5 |
| DEVOTED CORE 059 FL (HMO) Devoted Health | HMO | $0 | $650 | $4,800 | 5 |
| DEVOTED CORE 029 FL (HMO) Devoted Health | HMO | $0 | $650 | $4,950 | 5 |
| BlueMedicare Premier (HMO) Florida Blue HMO | HMO | $0 | $700 | $5,500 | 4 |
| DEVOTED GIVEBACK EXTRAS 107 FL (HMO) Devoted Health | HMO | $0 | $700 | $5,800 | 5 |
| Aetna Medicare Select Extra (HMO-POS) Aetna Medicare | HMO-POS | $0 | $700 | $6,750 | 4.5 |
| Aetna Medicare Signature Legacy (PPO) Aetna Medicare | PPO | $0 | $700 | $6,750 | 4.5 |
| BlueMedicare Classic (HMO) Florida Blue HMO | HMO | $0 | $700 | $6,750 | 4 |
| AARP Medicare Advantage CareFlex from UHC FL-37 (HMO-POS) UnitedHealthcare | HMO-POS | $0 | $685 | $7,150 | 4.5 |
| AARP Medicare Advantage Giveback from UHC FL-40 (HMO-POS) UnitedHealthcare | HMO-POS | $0 | $685 | $7,150 | 4.5 |
| AARP Medicare Advantage from UHC FL-0021 (PPO) UnitedHealthcare | PPO | $0 | $685 | $7,150 | 4 |
| Aetna Medicare Signature (PPO) Aetna Medicare | PPO | $0 | $700 | $7,150 | 4.5 |
| Aetna Medicare Signature Extra (PPO) Aetna Medicare | PPO | $0 | $700 | $7,150 | 4.5 |
| Humana Essentials Plus Giveback (PPO) Humana | PPO | $0 | $700 | $7,150 | 4.5 |
| Humana Value Choice (PPO) Humana | PPO | $0 | $700 | $7,150 | 3.5 |
| Wellcare Giveback (HMO-POS) Wellcare | HMO-POS | $0 | $700 | $7,200 | 4 |
| DEVOTED GIVEBACK 031 FL (HMO) Devoted Health | HMO | $0 | $650 | $7,750 | 5 |
| BlueMedicare Value (PPO) Florida Blue | PPO | $0 | $700 | $7,900 | 3.5 |
| DEVOTED PREMIUM 044 FL (HMO) Devoted Health | HMO | $7.30 | $650 | $4,900 | 5 |
| HumanaChoice R5826-074 (Regional PPO) Humana | Regional PPO | $35 | $700 | $7,550 | 3.5 |
| HumanaChoice Florida H7284-009 (PPO) Humana | PPO | $38.90 | $700 | $6,750 | 3.5 |
| Aetna Medicare Premier (PPO) Aetna Medicare | PPO | $100 | $700 | $7,150 | 4.5 |
| AARP Medicare Advantage from UHC FL-0031 (Regional PPO) UnitedHealthcare | Regional PPO | $127 | $685 | $9,850 | 3.5 |
| HumanaChoice R5826-005 (Regional PPO) Humana | Regional PPO | $161 | $700 | $6,700 | 3.5 |
Plans without drug coverage (9)
| Plan | Type | Monthly premium | Out-of-pocket limit (in network) | Last year's star rating |
|---|---|---|---|---|
| CareSalute (HMO) CarePlus Health Plans, Inc. | HMO | $0 | $4,150 | 4.5 |
| Humana USAA Honor Giveback (PPO) Humana | PPO | $0 | $6,000 | 3.5 |
| Humana USAA Honor Giveback (HMO) Humana | HMO | $0 | $6,700 | 4.5 |
| BlueMedicare Patriot (PPO) Florida Blue | PPO | $0 | $6,750 | 3.5 |
| Humana USAA Honor Giveback (PPO) Humana | PPO | $0 | $6,750 | 4.5 |
| Aetna Medicare Eagle Giveback (PPO) Aetna Medicare | PPO | $0 | $7,150 | 4.5 |
| AARP Medicare Advantage Patriot No Rx FL-MA2 (PPO) UnitedHealthcare | PPO | $0 | $8,900 | 4 |
| AARP Medicare Advantage Patriot No Rx FL-MA01 (Regional PPO) UnitedHealthcare | Regional PPO | $0 | $9,250 | 3.5 |
| HumanaChoice R5826-018 (Regional PPO) Humana | Regional PPO | $9 | $7,550 | 3.5 |
Special needs plans (39)
Special needs plans are only for people who also have Medicaid (D-SNP), certain chronic conditions (C-SNP) or who live in an institution such as a nursing home (I-SNP).
| Plan | Type | Monthly premium | Drug deductible | Out-of-pocket limit (in network) | Last year's star rating |
|---|---|---|---|---|---|
| Simply Complete Platinum (HMO D-SNP) Simply Healthcare Plans, Inc. | HMO D-SNP | $0 | $105 | $500 | 4.5 |
| Simply Integrated Platinum (HMO D-SNP) Simply Healthcare Plans, Inc. | HMO D-SNP | $0 | $105 | $500 | 4.5 |
| CareBreeze (HMO C-SNP) CarePlus Health Plans, Inc. | HMO C-SNP | $0 | $700 | $2,000 | 4.5 |
| CareComplete (HMO C-SNP) CarePlus Health Plans, Inc. | HMO C-SNP | $0 | $700 | $2,000 | 4.5 |
| Gold Heart & Diabetes (HMO-POS C-SNP) Gold Kidney Health Plan | HMO-POS C-SNP | $0 | $0 | $2,700 | — |
| Wellcare Sunshine Health Dual Reserve (HMO-POS D-SNP) Wellcare | HMO-POS D-SNP | $0 | $700 | $3,000 | 4 |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) Humana | HMO C-SNP | $0 | $700 | $3,300 | 4.5 |
| Humana Gold Plus Lung (HMO C-SNP) Humana | HMO C-SNP | $0 | $700 | $3,300 | 4.5 |
| CareNeeds Platinum (HMO D-SNP) CarePlus Health Plans, Inc. | HMO D-SNP | $0 | $700 | $3,400 | 4.5 |
| CareNeeds Plus (HMO D-SNP) CarePlus Health Plans, Inc. | HMO D-SNP | $0 | $700 | $3,400 | 4.5 |
| Gold Dialysis & Kidney (HMO-POS C-SNP) Gold Kidney Health Plan | HMO-POS C-SNP | $0 | $0 | $3,400 | — |
| Humana Dual Select H1036-210 (HMO D-SNP) Humana | HMO D-SNP | $0 | $700 | $3,400 | 4.5 |
| Humana Dual Select H1036-314 (HMO D-SNP) Humana | HMO D-SNP | $0 | $700 | $3,400 | 4.5 |
| CareBreeze Platinum (HMO C-SNP) CarePlus Health Plans, Inc. | HMO C-SNP | $0 | $700 | $3,800 | 4.5 |
| CareComplete Platinum (HMO C-SNP) CarePlus Health Plans, Inc. | HMO C-SNP | $0 | $700 | $3,800 | 4.5 |
| Aetna Medicare Chronic Care (HMO C-SNP) Aetna Medicare | HMO C-SNP | $0 | $300 | $3,900 | 4.5 |
| Gold Heart & Diabetes Plus (HMO-POS C-SNP) Gold Kidney Health Plan | HMO-POS C-SNP | $0 | $0 | $4,100 | — |
| Humana Dual Select H5216-394 (PPO D-SNP) Humana | PPO D-SNP | $0 | $50 | $4,900 | 3.5 |
| DEVOTED C-SNP ENHANCED 071 FL (HMO C-SNP) Devoted Health | HMO C-SNP | $0 | $465 | $5,300 | 5 |
| DEVOTED DUAL 023 FL (HMO D-SNP) Devoted Health | HMO D-SNP | $0 | $700 | $5,300 | 5 |
| Aetna Medicare Full Dual Select (HMO D-SNP) Aetna Medicare | HMO D-SNP | $0 | $700 | $9,850 | 4.5 |
| Aetna Medicare Partial Dual Select (HMO D-SNP) Aetna Medicare | HMO D-SNP | $0 | $700 | $9,850 | 4.5 |
| DEVOTED C-SNP PLUS 090 FL (HMO C-SNP) Devoted Health | HMO C-SNP | $0 | $461 | $9,850 | 5 |
| DEVOTED DUAL FULL 083 FL (HMO D-SNP) Devoted Health | HMO D-SNP | $0 | $700 | $9,850 | 5 |
| DEVOTED DUAL QMB 052 FL (HMO D-SNP) Devoted Health | HMO D-SNP | $0 | $700 | $9,850 | 5 |
| Humana Dual Integrated (HMO D-SNP) Humana | HMO D-SNP | $0 | $700 | $9,850 | 4.5 |
| Humana Dual Integrated (PPO D-SNP) Humana | PPO D-SNP | $0 | $150 | $9,850 | 3.5 |
| UHC Dual Complete FL-Q1 (PPO D-SNP) UnitedHealthcare | PPO D-SNP | $0 | $700 | $9,850 | 4 |
| UHC Dual Complete FL-Q3 (Regional PPO D-SNP) UnitedHealthcare | Regional PPO D-SNP | $0 | $700 | $9,850 | 3.5 |
| UHC Dual Complete FL-QV2 (HMO-POS D-SNP) UnitedHealthcare | HMO-POS D-SNP | $0 | $75 | $9,850 | 4.5 |
| UHC Dual Complete FL-Y5 (HMO-POS D-SNP) UnitedHealthcare | HMO-POS D-SNP | $0 | $75 | $9,850 | 4.5 |
| UHC Dual Complete FL-YL (HMO-POS D-SNP) UnitedHealthcare | HMO-POS D-SNP | $0 | $700 | $9,850 | 3.5 |
| Wellcare Sunshine Health Dual Access (HMO-POS D-SNP) Wellcare | HMO-POS D-SNP | $0 | $700 | $9,850 | 4 |
| Wellcare Sunshine Health Dual Align (HMO D-SNP) Wellcare | HMO D-SNP | $0 | $700 | $9,850 | 4 |
| UHC Nursing Home Plan FL-F001 (PPO I-SNP) UnitedHealthcare | PPO I-SNP | $6.10 | $700 | $9,850 | 4.5 |
| Gold Dialysis & Kidney Complete (HMO-POS C-SNP) Gold Kidney Health Plan | HMO-POS C-SNP | $7.30 | $700 | $9,250 | — |
| Gold Heart & Diabetes Complete (HMO-POS C-SNP) Gold Kidney Health Plan | HMO-POS C-SNP | $7.30 | $700 | $9,750 | — |
| Longevity Health Plan (HMO I-SNP) Longevity Health Plan | HMO I-SNP | $7.30 | $700 | $9,850 | — |
| UHC Dual Complete FL-Y7 (PPO D-SNP) UnitedHealthcare | PPO D-SNP | $7.30 | $700 | $9,850 | 4 |
Stand-alone Part D drug plans in Florida →
Star ratings for 2027 are published by CMS in October; the stars shown are the contract's 2026 overall rating. We are not connected with or endorsed by the U.S. government or the federal Medicare program, and we do not sell plans. We do not list plan benefits in full; confirm costs and coverage with the plan, Medicare.gov or 1-800-MEDICARE (TTY 1-877-486-2048) before you enroll. Source: CMS Medicare Advantage and Part D Landscape, 2027 (2026-09 release).