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Medicare Advantage plans in Pasco County, FL for 2027
120 Medicare Advantage plans from 18 companies are available in Pasco County for 2027. Plans with a $0 monthly premium (not counting special needs plans): 44. Lowest in-network out-of-pocket limit: $1,000.
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 |
|---|---|---|---|---|---|
| Optimum Platinum Plan (HMO) Optimum HealthCare, Inc. | HMO | $0 | $0 | $1,000 | 4.5 |
| CareOne Plus (HMO-POS) CarePlus Health Plans, Inc. | HMO-POS | $0 | $700 | $1,500 | 4.5 |
| Optimum Gold Rewards Plan (HMO) Optimum HealthCare, Inc. | HMO | $0 | $0 | $1,900 | 4.5 |
| Premier by Ultimate (HMO) Ultimate Health Plans | HMO | $0 | $0 | $1,900 | 4 |
| BayCarePlus Complete (HMO) BayCare Health Plans | HMO | $0 | $250 | $2,000 | 4 |
| Humana Gold Plus H1036-025 (HMO) Humana | HMO | $0 | $0 | $2,000 | 4.5 |
| CareFree Platinum Giveback (HMO) CarePlus Health Plans, Inc. | HMO | $0 | $0 | $2,400 | 4.5 |
| Humana Gold Plus Giveback H1036-265 (HMO) Humana | HMO | $0 | $0 | $2,400 | 4.5 |
| BlueMedicare Premier Plus (HMO) Florida Blue HMO | HMO | $0 | $350 | $2,700 | 4 |
| Wellcare Simple (HMO-POS) Wellcare | HMO-POS | $0 | $700 | $2,700 | 4 |
| Solis Healthy Living Plan (HMO) Solis Health Plans | HMO | $0 | $0 | $2,900 | 4.5 |
| AARP Medicare Advantage from UHC FL-003P (HMO-POS) UnitedHealthcare | HMO-POS | $0 | $405 | $3,500 | 4.5 |
| DrSelect-CFL (HMO) Doctors HealthCare Plans, Inc. | HMO | $0 | $0 | $3,500 | 4.5 |
| BayCarePlus Rewards (HMO) BayCare Health Plans | HMO | $0 | $700 | $3,700 | 4 |
| AARP Medicare Advantage from UHC FL-0006 (HMO-POS) UnitedHealthcare | HMO-POS | $0 | $405 | $3,800 | 4.5 |
| Aetna Medicare Select (HMO) Aetna Medicare | HMO | $0 | $200 | $3,900 | 4.5 |
| DEVOTED CORE 037 FL (HMO) Devoted Health | HMO | $0 | $650 | $3,900 | 5 |
| DEVOTED CORE 058 FL (HMO) Devoted Health | HMO | $0 | $650 | $3,900 | 5 |
| DEVOTED CORE 036 FL (HMO) Devoted Health | HMO | $0 | $650 | $3,950 | 5 |
| CareAccess (HMO) CarePlus Health Plans, Inc. | HMO | $0 | $700 | $4,000 | 4.5 |
| Freedom Medicare Plan Rx (HMO) Freedom Health, Inc. | HMO | $0 | $0 | $4,450 | 4.5 |
| DEVOTED GIVEBACK EXTRAS 106 FL (HMO) Devoted Health | HMO | $0 | $700 | $5,150 | 5 |
| Humana Value Choice (PPO) Humana | PPO | $0 | $700 | $5,600 | 3.5 |
| BlueMedicare Classic (HMO) Florida Blue HMO | HMO | $0 | $700 | $6,750 | 4 |
| HealthSpring Preferred (HMO) HealthSpring | HMO | $0 | $400 | $7,100 | 3.5 |
| AARP Medicare Advantage CareFlex from UHC FL-34 (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-0019 (PPO) UnitedHealthcare | PPO | $0 | $685 | $7,150 | 4 |
| Aetna Medicare Signature (PPO) Aetna Medicare | PPO | $0 | $700 | $7,150 | 4.5 |
| Aetna Medicare Signature Legacy (PPO) Aetna Medicare | PPO | $0 | $700 | $7,150 | 4.5 |
| DEVOTED GIVEBACK 051 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 CHOICE GIVEBACK 008 FL (PPO) Devoted Health | PPO | $0 | $461 | $9,850 | 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 (11)
| Plan | Type | Monthly premium | Out-of-pocket limit (in network) | Last year's star rating |
|---|---|---|---|---|
| Humana USAA Honor Giveback (HMO) Humana | 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 | $6,000 | 3.5 |
| BlueMedicare Patriot (PPO) Florida Blue | PPO | $0 | $6,750 | 3.5 |
| BlueMedicare Patriot Plus (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 (71)
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 |
| Optimum Diamond (HMO C-SNP) Optimum HealthCare, Inc. | HMO C-SNP | $0 | $0 | $1,000 | 4.5 |
| Humana Dual Select H1036-102 (HMO D-SNP) Humana | HMO D-SNP | $0 | $700 | $1,500 | 4.5 |
| Advantage Care by Ultimate (HMO C-SNP) Ultimate Health Plans | HMO C-SNP | $0 | $0 | $1,600 | 4 |
| Advantage Care COPD by Ultimate (HMO C-SNP) Ultimate Health Plans | HMO C-SNP | $0 | $0 | $1,750 | 4 |
| Optimum Diamond Rewards (HMO C-SNP) Optimum HealthCare, Inc. | HMO C-SNP | $0 | $0 | $1,750 | 4.5 |
| Optimum Diamond Rewards COPD (HMO C-SNP) Optimum HealthCare, Inc. | HMO C-SNP | $0 | $0 | $1,750 | 4.5 |
| SECUR CarePath (HMO C-SNP) SECUR Health Plan | HMO C-SNP | $0 | $700 | $1,750 | — |
| 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 |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) Humana | HMO C-SNP | $0 | $700 | $2,000 | 4.5 |
| Humana Gold Plus Lung (HMO C-SNP) Humana | HMO C-SNP | $0 | $700 | $2,000 | 4.5 |
| Premier Care (HMO I-SNP) Align Senior Care | HMO I-SNP | $0 | $450 | $2,200 | — |
| Gold Dialysis Premier (HMO-POS C-SNP) Gold Kidney Health Plan | HMO-POS C-SNP | $0 | $0 | $2,400 | — |
| CareBreeze Platinum (HMO C-SNP) CarePlus Health Plans, Inc. | HMO C-SNP | $0 | $700 | $2,500 | 4.5 |
| CareComplete Platinum (HMO C-SNP) CarePlus Health Plans, Inc. | HMO C-SNP | $0 | $700 | $2,500 | 4.5 |
| Solis Wellness Plan (HMO C-SNP) Solis Health Plans | HMO C-SNP | $0 | $0 | $2,500 | 4.5 |
| Gold Heart & Diabetes (HMO-POS C-SNP) Gold Kidney Health Plan | HMO-POS C-SNP | $0 | $0 | $2,700 | — |
| Solis Wellness Giveback Plan (HMO C-SNP) Solis Health Plans | HMO C-SNP | $0 | $0 | $2,700 | 4.5 |
| Wellcare Sunshine Health Dual Reserve (HMO-POS D-SNP) Wellcare | HMO-POS D-SNP | $0 | $700 | $3,000 | 4 |
| 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 |
| DrPartialDual-CFL (HMO D-SNP) Doctors HealthCare 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 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 | — |
| 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 |
| SECUR Edge (HMO I-SNP) SECUR Health Plan | HMO I-SNP | $0 | $700 | $3,400 | — |
| UHC Complete Care FL-14 (HMO-POS C-SNP) UnitedHealthcare | HMO-POS C-SNP | $0 | $405 | $3,400 | 4.5 |
| DrExtraCare-CFL (HMO C-SNP) Doctors HealthCare Plans, Inc. | HMO C-SNP | $0 | $0 | $3,500 | 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 | — |
| DEVOTED DUAL 024 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 |
| 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 |
| Aetna Medicare QMB Only Select (HMO D-SNP) Aetna Medicare | HMO D-SNP | $0 | $700 | $9,850 | 4.5 |
| DEVOTED C-SNP PLUS 089 FL (HMO C-SNP) Devoted Health | HMO C-SNP | $0 | $465 | $9,850 | 5 |
| DEVOTED DUAL FULL 082 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 |
| 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 |
| Senior Care (HMO I-SNP) Align Senior Care | HMO I-SNP | $2.10 | $700 | $9,850 | — |
| DrFullDual-CFL (HMO D-SNP) Doctors HealthCare Plans, Inc. | HMO D-SNP | $4.10 | $700 | $3,400 | 4.5 |
| UHC Nursing Home Plan FL-F001 (PPO I-SNP) UnitedHealthcare | PPO I-SNP | $6.10 | $700 | $9,850 | 4.5 |
| SECUR Enhanced (HMO I-SNP) SECUR Health Plan | HMO I-SNP | $7.30 | $700 | $2,500 | — |
| Solis Guardian Plan (HMO D-SNP) Solis Health Plans | HMO D-SNP | $7.30 | $700 | $3,400 | 4.5 |
| SECUR Advantage (HMO I-SNP) SECUR Health Plan | HMO I-SNP | $7.30 | $700 | $8,300 | — |
| 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 | — |
| 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 |
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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).