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Medicare Advantage plans in DeSoto County, FL for 2027
48 Medicare Advantage plans from 7 companies are available in DeSoto County for 2027. Plans with a $0 monthly premium (not counting special needs plans): 21. Lowest in-network out-of-pocket limit: $2,900.
Open enrollment for 2027 runs October 15 – December 7, 2026; coverage starts January 1, 2027.
Plans with drug coverage (18)
| Plan | Type | Monthly premium | Drug deductible | Out-of-pocket limit (in network) | Last year's star rating |
|---|---|---|---|---|---|
| AARP Medicare Advantage from UHC FL-0012 (HMO-POS) UnitedHealthcare | HMO-POS | $0 | $405 | $2,900 | 4.5 |
| Wellcare Simple (HMO-POS) Wellcare | HMO-POS | $0 | $700 | $3,000 | 4 |
| Humana Gold Plus H1036-217 (HMO) Humana | HMO | $0 | $700 | $3,800 | 4.5 |
| DEVOTED CORE 061 FL (HMO) Devoted Health | HMO | $0 | $650 | $3,900 | 5 |
| DEVOTED CORE 025 FL (HMO) Devoted Health | HMO | $0 | $650 | $3,950 | 5 |
| Humana Gold Plus Giveback H1036-278 (HMO) Humana | HMO | $0 | $700 | $4,400 | 4.5 |
| DEVOTED GIVEBACK EXTRAS 109 FL (HMO) Devoted Health | HMO | $0 | $700 | $5,400 | 5 |
| Aetna Medicare Signature Legacy (PPO) Aetna Medicare | PPO | $0 | $700 | $5,500 | 4.5 |
| Humana Value Choice (PPO) Humana | PPO | $0 | $700 | $5,600 | 3.5 |
| AARP Medicare Advantage from UHC FL-0027 (PPO) UnitedHealthcare | PPO | $0 | $685 | $7,150 | 4 |
| Aetna Medicare Signature (PPO) Aetna Medicare | PPO | $0 | $700 | $7,150 | 4.5 |
| DEVOTED CHOICE GIVEBACK 016 FL (PPO) Devoted Health | PPO | $0 | $650 | $7,150 | 4.5 |
| DEVOTED GIVEBACK 032 FL (HMO) Devoted Health | HMO | $0 | $650 | $7,150 | 5 |
| Humana Essentials Plus Giveback (PPO) Humana | PPO | $0 | $700 | $7,150 | 4.5 |
| HumanaChoice R5826-074 (Regional PPO) Humana | Regional PPO | $35 | $700 | $7,550 | 3.5 |
| BlueMedicare Select (PPO) Florida Blue | PPO | $99.50 | $700 | $7,150 | 3.5 |
| 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 (8)
| Plan | Type | Monthly premium | Out-of-pocket limit (in network) | Last year's star rating |
|---|---|---|---|---|
| Humana USAA Honor Giveback (PPO) Humana | PPO | $0 | $6,000 | 3.5 |
| Humana USAA Honor Giveback (HMO) Humana | HMO | $0 | $6,700 | 4.5 |
| 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 |
| BlueMedicare Patriot (PPO) Florida Blue | PPO | $0 | $9,850 | 3.5 |
| HumanaChoice R5826-018 (Regional PPO) Humana | Regional PPO | $9 | $7,550 | 3.5 |
Special needs plans (22)
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 |
|---|---|---|---|---|---|
| Gold Heart & Diabetes (HMO-POS C-SNP) Gold Kidney Health Plan | HMO-POS C-SNP | $0 | $0 | $2,700 | — |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) Humana | HMO C-SNP | $0 | $700 | $2,850 | 4.5 |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) Humana | HMO C-SNP | $0 | $0 | $3,300 | 4.5 |
| Humana Gold Plus Lung (HMO C-SNP) Humana | HMO C-SNP | $0 | $100 | $3,300 | 4.5 |
| Gold Dialysis & Kidney (HMO-POS C-SNP) Gold Kidney Health Plan | HMO-POS C-SNP | $0 | $0 | $3,400 | — |
| Humana Dual Select H1036-285 (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 |
| UHC Complete Care FL-14 (HMO-POS C-SNP) UnitedHealthcare | HMO-POS C-SNP | $0 | $405 | $3,400 | 4.5 |
| Gold Heart & Diabetes Plus (HMO-POS C-SNP) Gold Kidney Health Plan | HMO-POS C-SNP | $0 | $0 | $4,100 | — |
| DEVOTED DUAL 034 FL (HMO D-SNP) Devoted Health | HMO D-SNP | $0 | $700 | $4,400 | 5 |
| Humana Dual Select H5216-394 (PPO D-SNP) Humana | PPO D-SNP | $0 | $50 | $4,900 | 3.5 |
| DEVOTED DUAL FULL 100 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-Q2 (HMO-POS D-SNP) UnitedHealthcare | HMO-POS D-SNP | $0 | $75 | $9,850 | 3.5 |
| UHC Dual Complete FL-Q3 (Regional PPO D-SNP) UnitedHealthcare | Regional PPO D-SNP | $0 | $700 | $9,850 | 3.5 |
| UHC Dual Complete FL-Y8 (HMO-POS D-SNP) UnitedHealthcare | HMO-POS D-SNP | $0 | $75 | $9,850 | 3.5 |
| 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 | — |
| UHC Dual Complete FL-Y7 (PPO D-SNP) UnitedHealthcare | PPO D-SNP | $7.30 | $700 | $9,850 | 4 |
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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).