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Medicare Advantage plans in Indian River County, FL for 2027
94 Medicare Advantage plans from 12 companies are available in Indian River County for 2027. Plans with a $0 monthly premium (not counting special needs plans): 37. Lowest in-network out-of-pocket limit: $1,750.
Open enrollment for 2027 runs October 15 – December 7, 2026; coverage starts January 1, 2027.
Plans with drug coverage (33)
| Plan | Type | Monthly premium | Drug deductible | Out-of-pocket limit (in network) | Last year's star rating |
|---|---|---|---|---|---|
| Freedom Platinum Plan Rx (HMO) Freedom Health, Inc. | HMO | $0 | $0 | $1,750 | 4.5 |
| Premier by Ultimate (HMO) Ultimate Health Plans | HMO | $0 | $0 | $1,900 | 4 |
| Wellcare Simple (HMO-POS) Wellcare | HMO-POS | $0 | $700 | $3,000 | 4 |
| Freedom Platinum Rewards Plan Rx (HMO) Freedom Health, Inc. | HMO | $0 | $0 | $3,400 | 4.5 |
| AARP Medicare Advantage from UHC FL-001P (HMO-POS) UnitedHealthcare | HMO-POS | $0 | $405 | $3,500 | 4.5 |
| AARP Medicare Advantage from UHC FL-0006 (HMO-POS) UnitedHealthcare | HMO-POS | $0 | $405 | $3,800 | 4.5 |
| Humana Gold Plus Reach H1036-229 (HMO) Humana | HMO | $0 | $700 | $3,800 | 4.5 |
| Aetna Medicare Select (HMO) Aetna Medicare | HMO | $0 | $200 | $3,900 | 4.5 |
| CareAccess (HMO) CarePlus Health Plans, Inc. | HMO | $0 | $700 | $4,000 | 4.5 |
| CareOne Plus (HMO-POS) CarePlus Health Plans, Inc. | HMO-POS | $0 | $700 | $4,000 | 4.5 |
| Health First Rewards H1099-014 (HMO) Health First Health Plans, Inc. | HMO | $0 | $700 | $4,100 | 4.5 |
| CareFree Giveback (HMO) CarePlus Health Plans, Inc. | HMO | $0 | $700 | $4,200 | 4.5 |
| CareFree Platinum Giveback (HMO) CarePlus Health Plans, Inc. | HMO | $0 | $700 | $4,200 | 4.5 |
| HumanaChoice Florida H5216-062 (PPO) Humana | PPO | $0 | $700 | $4,450 | 3.5 |
| HumanaChoice Florida H5216-472 (PPO) Humana | PPO | $0 | $700 | $4,450 | 3.5 |
| DEVOTED CORE 066 FL (HMO) Devoted Health | HMO | $0 | $650 | $4,700 | 5 |
| Health First Emerald Plus H1099-026 (HMO) Health First Health Plans, Inc. | HMO | $0 | $700 | $4,700 | 4.5 |
| DEVOTED CORE 046 FL (HMO) Devoted Health | HMO | $0 | $650 | $4,950 | 5 |
| Humana Gold Plus Reach Giveback H1036-286 (HMO) Humana | HMO | $0 | $0 | $5,500 | 4.5 |
| DEVOTED GIVEBACK EXTRAS 116 FL (HMO) Devoted Health | HMO | $0 | $700 | $5,700 | 5 |
| AARP Medicare Advantage from UHC FL-0025 (PPO) UnitedHealthcare | PPO | $0 | $685 | $7,150 | 4 |
| HumanaChoice Giveback H5216-311 (PPO) Humana | PPO | $0 | $700 | $7,150 | 3.5 |
| HumanaChoice Giveback H7617-110 (PPO) Humana | PPO | $0 | $700 | $7,150 | 4.5 |
| HumanaChoice Giveback H7617-145 (PPO) Humana | PPO | $0 | $700 | $7,150 | 4.5 |
| Wellcare Giveback (HMO-POS) Wellcare | HMO-POS | $0 | $700 | $7,200 | 4 |
| DEVOTED GIVEBACK 045 FL (HMO) Devoted Health | HMO | $0 | $650 | $7,700 | 5 |
| BlueMedicare Value (PPO) Florida Blue | PPO | $0 | $700 | $9,250 | 3.5 |
| DEVOTED CHOICE GIVEBACK 008 FL (PPO) Devoted Health | PPO | $0 | $461 | $9,850 | 4.5 |
| Health First Value H1099-006 (HMO) Health First Health Plans, Inc. | HMO | $25 | $600 | $3,900 | 4.5 |
| HumanaChoice R5826-074 (Regional PPO) Humana | Regional PPO | $35 | $700 | $7,550 | 3.5 |
| Health First Classic H1099-001 (HMO-POS) Health First Health Plans, Inc. | HMO-POS | $90 | $600 | $3,600 | 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 (10)
| Plan | Type | Monthly premium | Out-of-pocket limit (in network) | Last year's star rating |
|---|---|---|---|---|
| Health First Secure H1099-009 (HMO) Health First Health Plans, Inc. | HMO | $0 | $3,900 | 4.5 |
| CareSalute (HMO) CarePlus Health Plans, Inc. | HMO | $0 | $4,150 | 4.5 |
| Freedom Savings Plan (HMO) Freedom Health, Inc. | HMO | $0 | $4,450 | 4.5 |
| Humana USAA Honor Giveback (PPO) Humana | PPO | $0 | $4,900 | 3.5 |
| 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 (51)
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 |
|---|---|---|---|---|---|
| Advantage Plus by Ultimate (Full) (HMO D-SNP) Ultimate Health Plans | HMO D-SNP | $0 | $700 | $500 | 4 |
| Advantage Plus by Ultimate (Partial) (HMO D-SNP) Ultimate Health Plans | HMO D-SNP | $0 | $700 | $500 | 4 |
| Freedom Medi-Medi Partial (HMO D-SNP) Freedom Health, Inc. | HMO D-SNP | $0 | $105 | $500 | 4.5 |
| Optimum Emerald Partial (HMO D-SNP) Optimum HealthCare, Inc. | HMO D-SNP | $0 | $105 | $500 | 4.5 |
| 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 |
| Advantage Care COPD by Ultimate (HMO C-SNP) Ultimate Health Plans | HMO C-SNP | $0 | $0 | $2,600 | 4 |
| Gold Heart & Diabetes (HMO-POS C-SNP) Gold Kidney Health Plan | HMO-POS C-SNP | $0 | $0 | $2,700 | — |
| Advantage Care by Ultimate (HMO C-SNP) Ultimate Health Plans | HMO C-SNP | $0 | $0 | $2,800 | 4 |
| 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 | $3,350 | 4.5 |
| Humana Gold Plus Lung (HMO C-SNP) Humana | HMO C-SNP | $0 | $700 | $3,350 | 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 |
| Florida Complete Care (HMO I-SNP) Florida Complete Care | HMO I-SNP | $0 | $260 | $3,400 | — |
| Florida Complete Care- In The Community (HMO-POS I-SNP) Florida Complete Care | HMO-POS I-SNP | $0 | $260 | $3,400 | — |
| Florida Complete Care-Duals VIP (HMO-POS D-SNP) Florida Complete Care | HMO-POS D-SNP | $0 | $260 | $3,400 | — |
| Freedom VIP Rewards (HMO C-SNP) Freedom Health, Inc. | HMO C-SNP | $0 | $0 | $3,400 | 4.5 |
| Freedom VIP Savings (HMO C-SNP) Freedom Health, Inc. | HMO C-SNP | $0 | $0 | $3,400 | 4.5 |
| Freedom VIP Savings COPD (HMO C-SNP) Freedom Health, Inc. | HMO C-SNP | $0 | $0 | $3,400 | 4.5 |
| Gold Dialysis & Kidney (HMO-POS C-SNP) Gold Kidney Health Plan | HMO-POS C-SNP | $0 | $0 | $3,400 | — |
| 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 |
| UHC Complete Care FL-14 (HMO-POS C-SNP) UnitedHealthcare | HMO-POS C-SNP | $0 | $405 | $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 H7284-010 (PPO D-SNP) Humana | PPO D-SNP | $0 | $300 | $4,900 | 3.5 |
| Optimum Diamond Savings (HMO C-SNP) Optimum HealthCare, Inc. | HMO C-SNP | $0 | $0 | $5,000 | 4.5 |
| Optimum Diamond Savings COPD (HMO C-SNP) Optimum HealthCare, Inc. | HMO C-SNP | $0 | $0 | $5,000 | 4.5 |
| DEVOTED DUAL 039 FL (HMO D-SNP) Devoted Health | HMO D-SNP | $0 | $700 | $5,200 | 5 |
| Humana Dual Select H1036-226 (HMO D-SNP) Humana | HMO D-SNP | $0 | $700 | $6,650 | 4.5 |
| 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 DUAL FULL 098 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 | $620 | $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 |
| 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 |
| Wellcare Sunshine Health Dual Align Unity (HMO D-SNP) Wellcare | HMO 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 (2026-10 release).