Medicare Advantage plans in Bay County, FL: what changed for 2027
For 2027, Bay County in Florida has 12 Medicare Advantage plans that include drug coverage, compared with 14 in 2026, according to the CMS plan landscape files.
6 Advantage plan IDs (not counting Special Needs or Cost plans) listed here for 2026 are not in the 2027 file and 2 plan IDs are new. Some of these are the same plan renamed or merged, so check the Annual Notice of Change from your plan.
How many people here are in Medicare Advantage
In October 2026, 19,420 of the 45,114 people eligible for Medicare in Bay County were enrolled in a Medicare Advantage or other Medicare health plan, 43.0%. A year earlier it was 18,420 of 43,318 (42.5%).
CMS counts enrollees in all Medicare health plans, including Advantage, cost and PACE plans, by the county where they live.
Before you choose a plan
Compare plans for your ZIP code, drugs and doctors on the official Medicare Plan Finder, or call 1-800-MEDICARE (1-800-633-4227). Free, unbiased counselling is available from your State Health Insurance Assistance Program at shiphelp.org.
Advantage plans with drug coverage for 2027 (12)
| Plan | Company | Type | Monthly premium | In-network out-of-pocket limit | Star rating |
|---|---|---|---|---|---|
| AARP Medicare Advantage from UHC FL-0008 (HMO-POS) | UnitedHealthcare | HMO-POS | $0 | $7,150 | 4 of 5 |
| BlueMedicare Classic (HMO) | Florida Blue HMO | HMO | $0 | $6,750 | 3.5 of 5 |
| BlueMedicare Value (PPO) | Florida Blue | PPO | $0 | $8,750 | 3 of 5 |
| HealthSpring Preferred (HMO) | HealthSpring | HMO | $0 | $5,750 | 3 of 5 |
| Humana Essentials Plus Giveback (PPO) | Humana | PPO | $0 | $7,150 | 3.5 of 5 |
| Humana Gold Plus H1036-143 (HMO) | Humana | HMO | $0 | $4,300 | 4.5 of 5 |
| Humana Value Choice (PPO) | Humana | PPO | $0 | $7,150 | 4 of 5 |
| HumanaChoice R5826-074 (Regional PPO) | Humana | Regional PPO | $35.00 | $7,550 | 4 of 5 |
| HumanaChoice Florida H7284-009 (PPO) | Humana | PPO | $38.90 | $6,750 | 3.5 of 5 |
| AARP Medicare Advantage from UHC FL-0031 (Regional PPO) | UnitedHealthcare | Regional PPO | $127.00 | $9,850 | 3.5 of 5 |
| HumanaChoice R5826-005 (Regional PPO) | Humana | Regional PPO | $161.00 | $6,700 | 4 of 5 |
| BlueMedicare Select (PPO) | Florida Blue | PPO | $173.00 | $7,500 | 3 of 5 |
Advantage plans without drug coverage for 2027 (7)
| Plan | Company | Type | Monthly premium | In-network out-of-pocket limit | Star rating |
|---|---|---|---|---|---|
| AARP Medicare Advantage Patriot No Rx FL-MA01 (Regional PPO) | UnitedHealthcare | Regional PPO | Not listed | $9,250 | 3.5 of 5 |
| BlueMedicare Patriot (PPO) | Florida Blue | PPO | Not listed | $6,750 | 3 of 5 |
| BlueMedicare Patriot Plus (PPO) | Florida Blue | PPO | Not listed | $6,750 | 3 of 5 |
| HealthSpring Courage (HMO) | HealthSpring | HMO | Not listed | $5,500 | 3 of 5 |
| Humana USAA Honor Giveback (HMO) | Humana | HMO | Not listed | $6,700 | 4.5 of 5 |
| Humana USAA Honor Giveback (PPO) | Humana | PPO | Not listed | $6,000 | 4 of 5 |
| HumanaChoice R5826-018 (Regional PPO) | Humana | Regional PPO | Not listed | $7,550 | 4 of 5 |
Special Needs Plans for 2027 (13)
| Plan | Company | Type | Monthly premium | In-network out-of-pocket limit | Star rating |
|---|---|---|---|---|---|
| Humana Dual Integrated (HMO D-SNP) | Humana | HMO D-SNP · Dual-Eligible | $0 | $9,850 | 4.5 of 5 |
| Humana Dual Integrated (PPO D-SNP) | Humana | PPO D-SNP · Dual-Eligible | $0 | $9,850 | 4 of 5 |
| Humana Dual Select H1036-314 (HMO D-SNP) | Humana | HMO D-SNP · Dual-Eligible | $0 | $3,400 | 4.5 of 5 |
| Humana Dual Select H5216-394 (PPO D-SNP) | Humana | PPO D-SNP · Dual-Eligible | $0 | $4,900 | 4 of 5 |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) | Humana | HMO C-SNP · Chronic or Disabling Condition | $0 | $3,300 | 4.5 of 5 |
| Humana Gold Plus Lung (HMO C-SNP) | Humana | HMO C-SNP · Chronic or Disabling Condition | $0 | $3,300 | 4.5 of 5 |
| UHC Dual Complete FL-Q1 (PPO D-SNP) | UnitedHealthcare | PPO D-SNP · Dual-Eligible | $0 | $9,850 | 3.5 of 5 |
| UHC Dual Complete FL-Q2 (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP · Dual-Eligible | $0 | $9,850 | 3.5 of 5 |
| UHC Dual Complete FL-Q3 (Regional PPO D-SNP) | UnitedHealthcare | Regional PPO D-SNP · Dual-Eligible | $0 | $9,850 | 3.5 of 5 |
| UHC Dual Complete FL-Y8 (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP · Dual-Eligible | $0 | $9,850 | 3.5 of 5 |
| HealthSpring TotalCare (HMO D-SNP) | HealthSpring | HMO D-SNP · Dual-Eligible | $7.30 | $9,850 | 3 of 5 |
| HealthSpring TotalCare Plus (HMO D-SNP) | HealthSpring | HMO D-SNP · Dual-Eligible | $7.30 | $9,850 | 3 of 5 |
| UHC Dual Complete FL-Y7 (PPO D-SNP) | UnitedHealthcare | PPO D-SNP · Dual-Eligible | $7.30 | $9,850 | 3.5 of 5 |
Stand-alone Part D drug plans are offered statewide: see Florida drug plans.
Sources
- Centers for Medicare & Medicaid Services, CY2027 Medicare Advantage and Part D Landscape file (data last updated 18 October 2026)
- Centers for Medicare & Medicaid Services, CY2026 Medicare Advantage and Part D Landscape file (September 2026 release)
- Centers for Medicare & Medicaid Services, MA State/County Penetration files, October 2026 and October 2025
Checked 29 October 2026. Plans and premiums can change before 1 January 2027. Confirm any plan on Medicare.gov before you enrol.