Medicare Advantage plans in Polk County, FL: what changed for 2027
For 2027, Polk County in Florida has 39 Medicare Advantage plans that include drug coverage, compared with 49 in 2026, according to the CMS plan landscape files.
Advantage plans with drug coverage39-10 from 2026
Advantage plans without drug coverage11-1 from 2026
Special Needs Plans60-5 from 2026
$0 premium plans with drug coverage36-8 from 2026
Median out-of-pocket limit$4,0002026: $3,900
Plans rated 4 stars or more33-6 from 2026
Companies no longer offering Advantage plans here in 2027
- Health First Shared Services, Inc.
If you are in one of their plans, you should have received a notice. You can choose a new plan during Open Enrollment, and special enrollment rules can apply when a plan leaves your area.
18 Advantage plan IDs (not counting Special Needs or Cost plans) listed here for 2026 are not in the 2027 file and 7 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, 127,675 of the 184,200 people eligible for Medicare in Polk County were enrolled in a Medicare Advantage or other Medicare health plan, 69.3%. A year earlier it was 123,323 of 179,554 (68.7%).
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 (39)
| Plan | Company | Type | Monthly premium | In-network out-of-pocket limit | Star rating |
|---|---|---|---|---|---|
| AARP Medicare Advantage CareFlex from UHC FL-34 (HMO-POS) | UnitedHealthcare | HMO-POS | $0 | $7,150 | 4 of 5 |
| AARP Medicare Advantage Giveback from UHC FL-40 (HMO-POS) | UnitedHealthcare | HMO-POS | $0 | $7,150 | 4 of 5 |
| AARP Medicare Advantage from UHC FL-0006 (HMO-POS) | UnitedHealthcare | HMO-POS | $0 | $3,800 | 4 of 5 |
| AARP Medicare Advantage from UHC FL-0019 (PPO) | UnitedHealthcare | PPO | $0 | $7,150 | 4 of 5 |
| AARP Medicare Advantage from UHC FL-003P (HMO-POS) | UnitedHealthcare | HMO-POS | $0 | $3,500 | 4 of 5 |
| Aetna Medicare Select (HMO) | Aetna Medicare | HMO | $0 | $3,900 | 4 of 5 |
| Aetna Medicare Select Extra (HMO-POS) | Aetna Medicare | HMO-POS | $0 | $6,750 | 4 of 5 |
| Aetna Medicare Signature (PPO) | Aetna Medicare | PPO | $0 | $7,150 | 4 of 5 |
| Aetna Medicare Signature (PPO) | Aetna Medicare | PPO | $0 | $7,150 | 4 of 5 |
| Aetna Medicare Signature Legacy (PPO) | Aetna Medicare | PPO | $0 | $7,150 | 4 of 5 |
| BayCarePlus Complete (HMO) | BayCare Health Plans | HMO | $0 | $2,000 | 4 of 5 |
| BayCarePlus Rewards (HMO) | BayCare Health Plans | HMO | $0 | $3,700 | 4 of 5 |
| BlueMedicare Classic (HMO) | Florida Blue HMO | HMO | $0 | $6,750 | 3.5 of 5 |
| BlueMedicare Preferred (HMO) | Florida Blue HMO | HMO | $0 | $2,900 | 3.5 of 5 |
| BlueMedicare Value (PPO) | Florida Blue | PPO | $0 | $5,900 | 3 of 5 |
| CareAccess (HMO) | CarePlus Health Plans, Inc. | HMO | $0 | $4,000 | 4 of 5 |
| CareFree Platinum Giveback (HMO) | CarePlus Health Plans, Inc. | HMO | $0 | $3,000 | 4 of 5 |
| CareOne Plus (HMO-POS) | CarePlus Health Plans, Inc. | HMO-POS | $0 | $1,250 | 4 of 5 |
| DEVOTED CORE 036 FL (HMO) | Devoted Health | HMO | $0 | $6,750 | 4.5 of 5 |
| DEVOTED CORE 037 FL (HMO) | Devoted Health | HMO | $0 | $3,900 | 4.5 of 5 |
| DEVOTED CORE 065 FL (HMO) | Devoted Health | HMO | $0 | $3,900 | 4.5 of 5 |
| DEVOTED GIVEBACK 051 FL (HMO) | Devoted Health | HMO | $0 | $7,150 | 4.5 of 5 |
| DEVOTED GIVEBACK EXTRAS 115 FL (HMO) | Devoted Health | HMO | $0 | $5,150 | 4.5 of 5 |
| DrSelect-CFL (HMO) | Doctors HealthCare Plans, Inc. | HMO | $0 | $3,500 | 4.5 of 5 |
| Freedom Máximo (HMO-POS) | Freedom Health, Inc. | HMO-POS | $0 | $1,900 | 4 of 5 |
| Freedom Platinum Rewards Plan Rx (HMO) | Freedom Health, Inc. | HMO | $0 | $3,400 | 4 of 5 |
| HealthSpring Preferred (HMO) | HealthSpring | HMO | $0 | $2,250 | 3 of 5 |
| Humana Essentials Plus Giveback (PPO) | Humana | PPO | $0 | $7,150 | 4.5 of 5 |
| Humana Gold Plus Giveback H1036-266 (HMO) | Humana | HMO | $0 | $3,400 | 4.5 of 5 |
| Humana Gold Plus H1036-230 (HMO) | Humana | HMO | $0 | $2,400 | 4.5 of 5 |
| Humana Value Choice (PPO) | Humana | PPO | $0 | $5,600 | 4 of 5 |
| Optimum Gold Plan (HMO) | Optimum HealthCare, Inc. | HMO | $0 | $4,450 | 4.5 of 5 |
| Premier by Ultimate (HMO) | Ultimate Health Plans | HMO | $0 | $1,900 | 3.5 of 5 |
| Solis Healthy Living Plan (HMO) | Solis Health Plans | HMO | $0 | $2,900 | 4.5 of 5 |
| Wellcare Giveback (HMO-POS) | Wellcare | HMO-POS | $0 | $7,200 | 4 of 5 |
| Wellcare Simple (HMO-POS) | Wellcare | HMO-POS | $0 | $2,700 | 4 of 5 |
| HumanaChoice R5826-074 (Regional PPO) | Humana | Regional PPO | $35.00 | $7,550 | 4 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 |
Advantage plans without drug coverage for 2027 (11)
| 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 |
| AARP Medicare Advantage Patriot No Rx FL-MA2 (PPO) | UnitedHealthcare | PPO | Not listed | $8,900 | 4 of 5 |
| Aetna Medicare Eagle Giveback (PPO) | Aetna Medicare | PPO | Not listed | $7,150 | 4 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 |
| CareSalute (HMO) | CarePlus Health Plans, Inc. | HMO | Not listed | $4,150 | 4 of 5 |
| Freedom Savings Plan (HMO) | Freedom Health, Inc. | HMO | Not listed | $4,450 | 4 of 5 |
| Humana USAA Honor Giveback (HMO) | Humana | HMO | Not listed | $3,900 | 4.5 of 5 |
| Humana USAA Honor Giveback (PPO) | Humana | PPO | Not listed | $6,000 | 4 of 5 |
| Humana USAA Honor Giveback (PPO) | Humana | PPO | Not listed | $6,750 | 4.5 of 5 |
| HumanaChoice R5826-018 (Regional PPO) | Humana | Regional PPO | Not listed | $7,550 | 4 of 5 |
Special Needs Plans for 2027 (60)
| Plan | Company | Type | Monthly premium | In-network out-of-pocket limit | Star rating |
|---|---|---|---|---|---|
| Advantage Care COPD by Ultimate (HMO C-SNP) | Ultimate Health Plans | HMO C-SNP · Chronic or Disabling Condition | $0 | $2,600 | 3.5 of 5 |
| Advantage Care by Ultimate (HMO C-SNP) | Ultimate Health Plans | HMO C-SNP · Chronic or Disabling Condition | $0 | $3,200 | 3.5 of 5 |
| Advantage Plus by Ultimate (Full) (HMO D-SNP) | Ultimate Health Plans | HMO D-SNP · Dual-Eligible | $0 | $500 | 3.5 of 5 |
| Advantage Plus by Ultimate (Partial) (HMO D-SNP) | Ultimate Health Plans | HMO D-SNP · Dual-Eligible | $0 | $500 | 3.5 of 5 |
| Aetna Medicare Chronic Care (HMO C-SNP) | Aetna Medicare | HMO C-SNP · Chronic or Disabling Condition | $0 | $3,900 | 4 of 5 |
| Aetna Medicare Full Dual Select (HMO D-SNP) | Aetna Medicare | HMO D-SNP · Dual-Eligible | $0 | $9,850 | 4 of 5 |
| Aetna Medicare Partial Dual Select (HMO D-SNP) | Aetna Medicare | HMO D-SNP · Dual-Eligible | $0 | $9,850 | 4 of 5 |
| Aetna Medicare QMB Only Select (HMO D-SNP) | Aetna Medicare | HMO D-SNP · Dual-Eligible | $0 | $9,850 | 4 of 5 |
| CareBreeze (HMO C-SNP) | CarePlus Health Plans, Inc. | HMO C-SNP · Chronic or Disabling Condition | $0 | $2,000 | 4 of 5 |
| CareBreeze Platinum (HMO C-SNP) | CarePlus Health Plans, Inc. | HMO C-SNP · Chronic or Disabling Condition | $0 | $2,500 | 4 of 5 |
| CareComplete (HMO C-SNP) | CarePlus Health Plans, Inc. | HMO C-SNP · Chronic or Disabling Condition | $0 | $2,000 | 4 of 5 |
| CareComplete Platinum (HMO C-SNP) | CarePlus Health Plans, Inc. | HMO C-SNP · Chronic or Disabling Condition | $0 | $2,500 | 4 of 5 |
| CareNeeds Platinum (HMO D-SNP) | CarePlus Health Plans, Inc. | HMO D-SNP · Dual-Eligible | $0 | $3,400 | 4 of 5 |
| CareNeeds Plus (HMO D-SNP) | CarePlus Health Plans, Inc. | HMO D-SNP · Dual-Eligible | $0 | $3,400 | 4 of 5 |
| DEVOTED C-SNP ENHANCED 072 FL (HMO C-SNP) | Devoted Health | HMO C-SNP · Chronic or Disabling Condition | $0 | $4,900 | 4.5 of 5 |
| DEVOTED C-SNP PLUS 088 FL (HMO C-SNP) | Devoted Health | HMO C-SNP · Chronic or Disabling Condition | $0 | $9,850 | 4.5 of 5 |
| DEVOTED DUAL 024 FL (HMO D-SNP) | Devoted Health | HMO D-SNP · Dual-Eligible | $0 | $4,400 | 4.5 of 5 |
| DEVOTED DUAL FULL 081 FL (HMO D-SNP) | Devoted Health | HMO D-SNP · Dual-Eligible | $0 | $9,850 | 4.5 of 5 |
| DEVOTED DUAL QMB 052 FL (HMO D-SNP) | Devoted Health | HMO D-SNP · Dual-Eligible | $0 | $9,850 | 4.5 of 5 |
| DrExtraCare-CFL (HMO C-SNP) | Doctors HealthCare Plans, Inc. | HMO C-SNP · Chronic or Disabling Condition | $0 | $3,500 | 4.5 of 5 |
| DrPartialDual-CFL (HMO D-SNP) | Doctors HealthCare Plans, Inc. | HMO D-SNP · Dual-Eligible | $0 | $3,400 | 4.5 of 5 |
| Florida Complete Care (HMO I-SNP) | Florida Complete Care | HMO I-SNP · Institutional | $0 | $3,400 | 3 of 5 |
| Florida Complete Care- In The Community (HMO-POS I-SNP) | Florida Complete Care | HMO-POS I-SNP · Institutional | $0 | $3,400 | 3 of 5 |
| Florida Complete Care-Duals VIP (HMO-POS D-SNP) | Florida Complete Care | HMO-POS D-SNP · Dual-Eligible | $0 | $3,400 | 3 of 5 |
| Freedom Medi-Medi Partial (HMO D-SNP) | Freedom Health, Inc. | HMO D-SNP · Dual-Eligible | $0 | $500 | 4 of 5 |
| Freedom VIP Care (HMO C-SNP) | Freedom Health, Inc. | HMO C-SNP · Chronic or Disabling Condition | $0 | $1,000 | 4 of 5 |
| Freedom VIP Rewards (HMO C-SNP) | Freedom Health, Inc. | HMO C-SNP · Chronic or Disabling Condition | $0 | $3,400 | 4 of 5 |
| Freedom VIP Savings (HMO C-SNP) | Freedom Health, Inc. | HMO C-SNP · Chronic or Disabling Condition | $0 | $3,400 | 4 of 5 |
| Freedom VIP Savings COPD (HMO C-SNP) | Freedom Health, Inc. | HMO C-SNP · Chronic or Disabling Condition | $0 | $3,400 | 4 of 5 |
| 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 H1036-102 (HMO D-SNP) | Humana | HMO D-SNP · Dual-Eligible | $0 | $1,500 | 4.5 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 Fully Integrated H1036-280 (HMO D-SNP) | Humana | HMO D-SNP · Dual-Eligible | $0 | $3,400 | 4.5 of 5 |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) | Humana | HMO C-SNP · Chronic or Disabling Condition | $0 | $2,000 | 4.5 of 5 |
| Humana Gold Plus Lung (HMO C-SNP) | Humana | HMO C-SNP · Chronic or Disabling Condition | $0 | $2,000 | 4.5 of 5 |
| Optimum Diamond Savings (HMO C-SNP) | Optimum HealthCare, Inc. | HMO C-SNP · Chronic or Disabling Condition | $0 | $5,000 | 4.5 of 5 |
| Optimum Diamond Savings COPD (HMO C-SNP) | Optimum HealthCare, Inc. | HMO C-SNP · Chronic or Disabling Condition | $0 | $5,000 | 4.5 of 5 |
| Optimum Emerald Partial (HMO D-SNP) | Optimum HealthCare, Inc. | HMO D-SNP · Dual-Eligible | $0 | $500 | 4.5 of 5 |
| Simply Complete Platinum (HMO D-SNP) | Simply Healthcare Plans, Inc. | HMO D-SNP · Dual-Eligible | $0 | $500 | 4 of 5 |
| Simply Integrated Platinum (HMO D-SNP) | Simply Healthcare Plans, Inc. | HMO D-SNP · Dual-Eligible | $0 | $500 | 4 of 5 |
| Solis Wellness Giveback Plan (HMO C-SNP) | Solis Health Plans | HMO C-SNP · Chronic or Disabling Condition | $0 | $3,400 | 4.5 of 5 |
| Solis Wellness Plan (HMO C-SNP) | Solis Health Plans | HMO C-SNP · Chronic or Disabling Condition | $0 | $2,500 | 4.5 of 5 |
| UHC Complete Care FL-14 (HMO-POS C-SNP) | UnitedHealthcare | HMO-POS C-SNP · Chronic or Disabling Condition | $0 | $3,400 | 4 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-Q3 (Regional PPO D-SNP) | UnitedHealthcare | Regional PPO D-SNP · Dual-Eligible | $0 | $9,850 | 3.5 of 5 |
| UHC Dual Complete FL-QV2 (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP · Dual-Eligible | $0 | $9,850 | 4 of 5 |
| UHC Dual Complete FL-Y5 (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP · Dual-Eligible | $0 | $9,850 | 4 of 5 |
| UHC Dual Complete FL-YL (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP · Dual-Eligible | $0 | $9,850 | 3.5 of 5 |
| Wellcare Sunshine Health Dual Access (HMO-POS D-SNP) | Wellcare | HMO-POS D-SNP · Dual-Eligible | $0 | $9,850 | 4 of 5 |
| Wellcare Sunshine Health Dual Align (HMO D-SNP) | Wellcare | HMO D-SNP · Dual-Eligible | $0 | $9,850 | 4 of 5 |
| Wellcare Sunshine Health Dual Reserve (HMO-POS D-SNP) | Wellcare | HMO-POS D-SNP · Dual-Eligible | $0 | $3,000 | 4 of 5 |
| DrFullDual-CFL (HMO D-SNP) | Doctors HealthCare Plans, Inc. | HMO D-SNP · Dual-Eligible | $4.10 | $3,400 | 4.5 of 5 |
| UHC Nursing Home Plan FL-F001 (PPO I-SNP) | UnitedHealthcare | PPO I-SNP · Institutional | $6.10 | $9,850 | 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 |
| Longevity Health Plan (HMO I-SNP) | Longevity Health Plan | HMO I-SNP · Institutional | $7.30 | $9,850 | 5 of 5 |
| Solis Guardian Plan (HMO D-SNP) | Solis Health Plans | HMO D-SNP · Dual-Eligible | $7.30 | $3,400 | 4.5 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.