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Medicare Advantage plans in Lake County, FL for 2027
102 Medicare Advantage plans from 12 companies are available in Lake County for 2027. Plans with a $0 monthly premium (not counting special needs plans): 42. Lowest in-network out-of-pocket limit: $2,000.
Open enrollment for 2027 runs October 15 – December 7, 2026; coverage starts January 1, 2027.
Plans with drug coverage (38)
| Plan | Type | Monthly premium | Drug deductible | Out-of-pocket limit (in network) | Last year's star rating |
|---|---|---|---|---|---|
| CareOne Plus (HMO-POS) CarePlus Health Plans, Inc. | HMO-POS | $0 | $700 | $2,000 | 4.5 |
| Freedom Platinum Plan Rx (HMO) Freedom Health, Inc. | HMO | $0 | $0 | $2,000 | 4.5 |
| HealthSpring Preferred (HMO) HealthSpring | HMO | $0 | $400 | $2,250 | 3.5 |
| Humana Community (HMO) Humana | HMO | $0 | $700 | $2,400 | 4.5 |
| Humana Gold Plus H1036-146 (HMO) Humana | HMO | $0 | $700 | $2,400 | 4.5 |
| CareOne Plus Local (HMO-POS) CarePlus Health Plans, Inc. | HMO-POS | $0 | $700 | $2,500 | 4.5 |
| BlueMedicare Premier (HMO) Florida Blue HMO | HMO | $0 | $350 | $2,700 | 4 |
| UHC The Villages Medicare Advantage FL-0004 (HMO-POS) UnitedHealthcare | HMO-POS | $0 | $405 | $2,700 | 4.5 |
| Aetna Medicare Select Extra (HMO) Aetna Medicare | HMO | $0 | $200 | $2,900 | 4.5 |
| UHC The Villages Medicare Advantage FL-004P (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 Giveback H1036-269 (HMO) Humana | HMO | $0 | $0 | $3,200 | 4.5 |
| Premier by Ultimate (HMO) Ultimate Health Plans | HMO | $0 | $0 | $3,200 | 4 |
| CareFree Platinum Giveback (HMO) CarePlus Health Plans, Inc. | HMO | $0 | $700 | $3,300 | 4.5 |
| Freedom Platinum Rewards Plan Rx (HMO) Freedom Health, Inc. | HMO | $0 | $0 | $3,400 | 4.5 |
| CareFree Giveback (HMO) CarePlus Health Plans, Inc. | HMO | $0 | $700 | $3,850 | 4.5 |
| Aetna Medicare Select (HMO) Aetna Medicare | HMO | $0 | $200 | $3,900 | 4.5 |
| DEVOTED CORE 060 FL (HMO) Devoted Health | HMO | $0 | $650 | $3,900 | 5 |
| DEVOTED CORE 027 FL (HMO) Devoted Health | HMO | $0 | $650 | $3,950 | 5 |
| CareAccess (HMO) CarePlus Health Plans, Inc. | HMO | $0 | $700 | $4,000 | 4.5 |
| Optimum Gold Rewards Plan (HMO) Optimum HealthCare, Inc. | HMO | $0 | $0 | $4,450 | 4.5 |
| DEVOTED GIVEBACK EXTRAS 108 FL (HMO) Devoted Health | HMO | $0 | $700 | $5,150 | 5 |
| Humana Value Choice (PPO) Humana | PPO | $0 | $700 | $5,600 | 3.5 |
| AARP Medicare Advantage from UHC FL-0024 (PPO) UnitedHealthcare | PPO | $0 | $685 | $5,900 | 4 |
| Aetna Medicare Signature Legacy (PPO) Aetna Medicare | PPO | $0 | $700 | $5,900 | 4.5 |
| BlueMedicare Value (PPO) Florida Blue | PPO | $0 | $597 | $5,900 | 3.5 |
| HumanaChoice Florida H5216-074 (PPO) Humana | PPO | $0 | $700 | $5,900 | 3.5 |
| BlueMedicare Classic (HMO) Florida Blue HMO | HMO | $0 | $700 | $6,750 | 4 |
| AARP Medicare Advantage Giveback from UHC FL-40 (HMO-POS) UnitedHealthcare | HMO-POS | $0 | $685 | $7,150 | 4.5 |
| Aetna Medicare Signature (PPO) Aetna Medicare | PPO | $0 | $700 | $7,150 | 4.5 |
| DEVOTED GIVEBACK 035 FL (HMO) Devoted Health | HMO | $0 | $650 | $7,150 | 5 |
| Humana Essentials Plus Giveback (PPO) Humana | PPO | $0 | $700 | $7,150 | 4.5 |
| Wellcare Giveback (HMO-POS) Wellcare | HMO-POS | $0 | $700 | $7,200 | 4 |
| DEVOTED PREMIUM 044 FL (HMO) Devoted Health | HMO | $7.30 | $650 | $3,900 | 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 |
| 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 |
|---|---|---|---|---|
| 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 | $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 (54)
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 |
| Freedom VIP Care (HMO C-SNP) Freedom Health, Inc. | HMO C-SNP | $0 | $0 | $1,000 | 4.5 |
| CareBreeze (HMO C-SNP) CarePlus Health Plans, Inc. | HMO C-SNP | $0 | $700 | $2,000 | 4.5 |
| CareBreeze Platinum (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 by Ultimate (HMO C-SNP) Ultimate Health Plans | HMO C-SNP | $0 | $0 | $2,400 | 4 |
| CareComplete Platinum (HMO C-SNP) CarePlus Health Plans, Inc. | HMO C-SNP | $0 | $700 | $2,400 | 4.5 |
| Humana Community HMO Diabetes and Heart (HMO C-SNP) Humana | HMO C-SNP | $0 | $350 | $2,500 | 4.5 |
| Advantage Care COPD by Ultimate (HMO C-SNP) Ultimate Health Plans | HMO C-SNP | $0 | $0 | $2,600 | 4 |
| BlueMedicare Focus (HMO C-SNP) Florida Blue HMO | HMO C-SNP | $0 | $700 | $2,900 | 4 |
| CareComplete Local (HMO C-SNP) CarePlus Health Plans, Inc. | HMO C-SNP | $0 | $250 | $3,000 | 4.5 |
| 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 | $3,100 | 4.5 |
| Humana Gold Plus Lung (HMO C-SNP) Humana | HMO C-SNP | $0 | $700 | $3,100 | 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 |
| 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 |
| Humana Dual Select H1036-213 (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 |
| Humana Fully Integrated H1036-280 (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 | $3,900 | 4.5 |
| Aetna Medicare Chronic Care (HMO C-SNP) Aetna Medicare | HMO C-SNP | $0 | $300 | $4,200 | 4.5 |
| DEVOTED C-SNP ENHANCED 070 FL (HMO C-SNP) Devoted Health | HMO C-SNP | $0 | $465 | $4,400 | 5 |
| DEVOTED DUAL 033 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 |
| 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 |
| 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 |
| AmeriHealth Caritas VIP Care (HMO D-SNP) AmeriHealth Caritas VIP Care (HMO-D-SNP) | HMO D-SNP | $0 | $0 | $9,850 | — |
| DEVOTED C-SNP PLUS 091 FL (HMO C-SNP) Devoted Health | HMO C-SNP | $0 | $465 | $9,850 | 5 |
| DEVOTED DUAL FULL 101 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 |
| American Health Advantage of Florida (HMO I-SNP) American Health Advantage of Florida | HMO I-SNP | $7.30 | $700 | $9,850 | — |
| HealthSpring TotalCare (HMO D-SNP) HealthSpring | HMO D-SNP | $7.30 | $700 | $9,850 | 3.5 |
| HealthSpring TotalCare Plus (HMO D-SNP) HealthSpring | HMO D-SNP | $7.30 | $700 | $9,850 | 3.5 |
| 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).