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Medicare Advantage plans in Polk County, FL for 2027
110 Medicare Advantage plans from 14 companies are available in Polk County for 2027. Plans with a $0 monthly premium (not counting special needs plans): 46. Lowest in-network out-of-pocket limit: $1,250.
Open enrollment for 2027 runs October 15 – December 7, 2026; coverage starts January 1, 2027.
Plans with drug coverage (39)
| 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 | $1,250 | 4.5 |
| Freedom Máximo (HMO-POS) Freedom Health, Inc. | HMO-POS | $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 |
| HealthSpring Preferred (HMO) HealthSpring | HMO | $0 | $400 | $2,250 | 3.5 |
| Humana Gold Plus H1036-230 (HMO) Humana | HMO | $0 | $700 | $2,400 | 4.5 |
| Wellcare Simple (HMO-POS) Wellcare | HMO-POS | $0 | $700 | $2,700 | 4 |
| BlueMedicare Preferred (HMO) Florida Blue HMO | HMO | $0 | $350 | $2,900 | 4 |
| Solis Healthy Living Plan (HMO) Solis Health Plans | HMO | $0 | $597 | $2,900 | 4.5 |
| CareFree Platinum Giveback (HMO) CarePlus Health Plans, Inc. | HMO | $0 | $0 | $3,000 | 4.5 |
| Freedom Platinum Rewards Plan Rx (HMO) Freedom Health, Inc. | HMO | $0 | $0 | $3,400 | 4.5 |
| Humana Gold Plus Giveback H1036-266 (HMO) Humana | HMO | $0 | $700 | $3,400 | 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 065 FL (HMO) Devoted Health | HMO | $0 | $650 | $3,900 | 5 |
| CareAccess (HMO) CarePlus Health Plans, Inc. | HMO | $0 | $700 | $4,000 | 4.5 |
| Optimum Gold Plan (HMO) Optimum HealthCare, Inc. | HMO | $0 | $0 | $4,450 | 4.5 |
| DEVOTED GIVEBACK EXTRAS 115 FL (HMO) Devoted Health | HMO | $0 | $700 | $5,150 | 5 |
| Humana Value Choice (PPO) Humana | PPO | $0 | $700 | $5,600 | 3.5 |
| BlueMedicare Value (PPO) Florida Blue | PPO | $0 | $597 | $5,900 | 3.5 |
| Aetna Medicare Select Extra (HMO-POS) Aetna Medicare | HMO-POS | $0 | $700 | $6,750 | 4.5 |
| BlueMedicare Classic (HMO) Florida Blue HMO | HMO | $0 | $700 | $6,750 | 4 |
| DEVOTED CORE 036 FL (HMO) Devoted Health | HMO | $0 | $650 | $6,750 | 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 (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 |
| HumanaChoice R5826-074 (Regional PPO) Humana | Regional PPO | $35 | $700 | $7,550 | 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 (60)
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 |
| Humana Dual Select H1036-102 (HMO D-SNP) Humana | HMO D-SNP | $0 | $700 | $1,500 | 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 |
| 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 |
| 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 |
| Advantage Care COPD by Ultimate (HMO C-SNP) Ultimate Health Plans | HMO C-SNP | $0 | $0 | $2,600 | 4 |
| Wellcare Sunshine Health Dual Reserve (HMO-POS D-SNP) Wellcare | HMO-POS D-SNP | $0 | $700 | $3,000 | 4 |
| Advantage Care by Ultimate (HMO C-SNP) Ultimate Health Plans | HMO C-SNP | $0 | $0 | $3,200 | 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 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 |
| 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 |
| Solis Wellness Giveback Plan (HMO C-SNP) Solis Health Plans | HMO C-SNP | $0 | $0 | $3,400 | 4.5 |
| 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 |
| DEVOTED DUAL 024 FL (HMO D-SNP) Devoted Health | HMO D-SNP | $0 | $700 | $4,400 | 5 |
| DEVOTED C-SNP ENHANCED 072 FL (HMO C-SNP) Devoted Health | HMO C-SNP | $0 | $465 | $4,900 | 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 |
| Aetna Medicare QMB Only Select (HMO D-SNP) Aetna Medicare | HMO D-SNP | $0 | $700 | $9,850 | 4.5 |
| DEVOTED C-SNP PLUS 088 FL (HMO C-SNP) Devoted Health | HMO C-SNP | $0 | $465 | $9,850 | 5 |
| DEVOTED DUAL FULL 081 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 |
| 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 |
| Solis Guardian Plan (HMO D-SNP) Solis Health Plans | HMO D-SNP | $7.30 | $700 | $3,400 | 4.5 |
| 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).