2027 plan year · Florida
2027 Medicare Advantage plans in Charlotte County, FL
62 plans from 8 insurers for 2027. 28 general plans have a $0 monthly premium. The lowest in-network out-of-pocket limit is $2,750.
- 33general plans
- 28$0-premium plans
- $2,750lowest out-of-pocket max
- 4.5 ★top star rating
- 29Special Needs Plans
2027 Medicare Advantage plans in Charlotte County, FL
Sorted by Medicare star rating, then monthly premium and out-of-pocket limit. Premiums shown are the plan's own premium; you also keep paying your Part B premium.
| Plan | Monthly premium | Out-of-pocket max | Drug deductible | Star rating |
|---|---|---|---|---|
| Humana Gold Plus H1036-217 (HMO) Humana · HMO · includes drug coverage | $0 | $3,800 | $700 | ★★★★★4.5 |
| Humana Gold Plus Giveback H1036-278 (HMO) Humana · HMO · includes drug coverage | $0 | $4,400 | $700 | ★★★★★4.5 |
| Humana USAA Honor Giveback (HMO) Humana · HMO · no drug coverage | $0 | $6,700 | — | ★★★★★4.5 |
| Humana USAA Honor Giveback (PPO) Humana · PPO · no drug coverage | $0 | $6,750 | — | ★★★★★4.5 |
| Humana Essentials Plus Giveback (PPO) Humana · PPO · includes drug coverage | $0 | $7,150 | $700 | ★★★★★4.5 |
| Freedom Platinum Plan Rx (HMO) Freedom Health, Inc. · HMO · includes drug coverage | $0 | $2,750 | $0 | ★★★★★4 |
| Wellcare Simple (HMO-POS) Wellcare · HMO-POS · includes drug coverage | $0 | $3,000 | $700 | ★★★★★4 |
| AARP Medicare Advantage from UHC FL-0010 (HMO-POS) UnitedHealthcare · HMO-POS · includes drug coverage | $0 | $3,400 | $405 | ★★★★★4 |
| Freedom Platinum Rewards Plan Rx (HMO) Freedom Health, Inc. · HMO · includes drug coverage | $0 | $3,400 | $0 | ★★★★★4 |
| AARP Medicare Advantage from UHC FL-0006 (HMO-POS) UnitedHealthcare · HMO-POS · includes drug coverage | $0 | $3,800 | $405 | ★★★★★4 |
| Aetna Medicare Select (HMO) Aetna Medicare · HMO · includes drug coverage | $0 | $3,900 | $0 | ★★★★★4 |
| Freedom Medicare Plan Rx (HMO) Freedom Health, Inc. · HMO · includes drug coverage | $0 | $4,450 | $0 | ★★★★★4 |
| Aetna Medicare Signature Legacy (PPO) Aetna Medicare · PPO · includes drug coverage | $0 | $5,500 | $700 | ★★★★★4 |
| Humana Value Choice (PPO) Humana · PPO · includes drug coverage | $0 | $5,600 | $700 | ★★★★★4 |
| Humana USAA Honor Giveback (PPO) Humana · PPO · no drug coverage | $0 | $6,000 | — | ★★★★★4 |
| Aetna Medicare Select Extra (HMO-POS) Aetna Medicare · HMO-POS · includes drug coverage | $0 | $6,750 | $700 | ★★★★★4 |
| AARP Medicare Advantage CareFlex from UHC FL-34 (HMO-POS) UnitedHealthcare · HMO-POS · includes drug coverage | $0 | $7,150 | $685 | ★★★★★4 |
| AARP Medicare Advantage from UHC FL-0017 (PPO) UnitedHealthcare · PPO · includes drug coverage | $0 | $7,150 | $685 | ★★★★★4 |
| Aetna Medicare Eagle Giveback (PPO) Aetna Medicare · PPO · no drug coverage | $0 | $7,150 | — | ★★★★★4 |
| Aetna Medicare Signature (PPO) Aetna Medicare · PPO · includes drug coverage | $0 | $7,150 | $700 | ★★★★★4 |
| Wellcare Giveback (HMO-POS) Wellcare · HMO-POS · includes drug coverage | $0 | $7,200 | $700 | ★★★★★4 |
| AARP Medicare Advantage Patriot No Rx FL-MA2 (PPO) UnitedHealthcare · PPO · no drug coverage | $0 | $8,900 | — | ★★★★★4 |
| HumanaChoice R5826-018 (Regional PPO) Humana · Regional PPO · no drug coverage | $9 | $7,550 | — | ★★★★★4 |
| HumanaChoice R5826-074 (Regional PPO) Humana · Regional PPO · includes drug coverage | $35 | $7,550 | $700 | ★★★★★4 |
| HumanaChoice R5826-005 (Regional PPO) Humana · Regional PPO · includes drug coverage | $161 | $6,700 | $700 | ★★★★★4 |
| BlueMedicare Premier (HMO) Florida Blue HMO · HMO · includes drug coverage | $0 | $3,500 | $350 | ★★★★★3.5 |
| BlueMedicare Classic (HMO) Florida Blue HMO · HMO · includes drug coverage | $0 | $6,750 | $700 | ★★★★★3.5 |
| AARP Medicare Advantage Patriot No Rx FL-MA01 (Regional PPO) UnitedHealthcare · Regional PPO · no drug coverage | $0 | $9,250 | — | ★★★★★3.5 |
| AARP Medicare Advantage from UHC FL-0031 (Regional PPO) UnitedHealthcare · Regional PPO · includes drug coverage | $127 | $9,850 | $685 | ★★★★★3.5 |
| BlueMedicare Value (PPO) Florida Blue · PPO · includes drug coverage | $0 | $6,500 | $597 | ★★★★★3 |
| BlueMedicare Patriot Plus (PPO) Florida Blue · PPO · no drug coverage | $0 | $6,750 | — | ★★★★★3 |
| BlueMedicare Patriot (PPO) Florida Blue · PPO · no drug coverage | $0 | $6,750 | — | ★★★★★3 |
| BlueMedicare Select (PPO) Florida Blue · PPO · includes drug coverage | $173 | $7,500 | $700 | ★★★★★3 |
Special Needs Plans (SNPs)
Only for people who qualify: Dual-Eligible plans need both Medicare and Medicaid, Chronic Condition plans need a qualifying condition, and Institutional plans are for nursing home residents.
| Plan | Monthly premium | Out-of-pocket max | Drug deductible | Star rating |
|---|---|---|---|---|
| UHC Nursing Home Plan FL-F001 (PPO I-SNP) UnitedHealthcare · PPO I-SNP (Special Needs: Institutional) · includes drug coverage | $6.10 | $9,850 | $700 | ★★★★★5 |
| Longevity Health Plan (HMO I-SNP) Longevity Health Plan · HMO I-SNP (Special Needs: Institutional) · includes drug coverage | $7.30 | $9,850 | $700 | ★★★★★5 |
| Optimum Emerald Partial (HMO D-SNP) Optimum HealthCare, Inc. · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $500 | $105 | ★★★★★4.5 |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) Humana · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $2,850 | $700 | ★★★★★4.5 |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) Humana · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $3,300 | $0 | ★★★★★4.5 |
| Humana Gold Plus Lung (HMO C-SNP) Humana · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $3,300 | $100 | ★★★★★4.5 |
| Humana Dual Select H1036-285 (HMO D-SNP) Humana · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $3,400 | $700 | ★★★★★4.5 |
| Humana Dual Select H1036-314 (HMO D-SNP) Humana · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $3,400 | $700 | ★★★★★4.5 |
| Optimum Diamond Savings COPD (HMO C-SNP) Optimum HealthCare, Inc. · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $5,000 | $0 | ★★★★★4.5 |
| Optimum Diamond Savings (HMO C-SNP) Optimum HealthCare, Inc. · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $5,000 | $0 | ★★★★★4.5 |
| Humana Dual Integrated (HMO D-SNP) Humana · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★4.5 |
| Freedom Medi-Medi Partial (HMO D-SNP) Freedom Health, Inc. · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $500 | $105 | ★★★★★4 |
| Simply Complete Platinum (HMO D-SNP) Simply Healthcare Plans, Inc. · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $500 | $105 | ★★★★★4 |
| Simply Integrated Platinum (HMO D-SNP) Simply Healthcare Plans, Inc. · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $500 | $105 | ★★★★★4 |
| Freedom VIP Savings COPD (HMO C-SNP) Freedom Health, Inc. · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $3,400 | $0 | ★★★★★4 |
| Freedom VIP Savings (HMO C-SNP) Freedom Health, Inc. · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $3,400 | $0 | ★★★★★4 |
| UHC Complete Care FL-14 (HMO-POS C-SNP) UnitedHealthcare · HMO-POS C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $3,400 | $405 | ★★★★★4 |
| Aetna Medicare Chronic Care (HMO C-SNP) Aetna Medicare · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $3,900 | $300 | ★★★★★4 |
| Humana Dual Select H5216-394 (PPO D-SNP) Humana · PPO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $4,900 | $50 | ★★★★★4 |
| Aetna Medicare Full Dual Select (HMO D-SNP) Aetna Medicare · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★4 |
| Aetna Medicare Partial Dual Select (HMO D-SNP) Aetna Medicare · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★4 |
| Humana Dual Integrated (PPO D-SNP) Humana · PPO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $150 | ★★★★★4 |
| UHC Dual Complete FL-QV2 (HMO-POS D-SNP) UnitedHealthcare · HMO-POS D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $75 | ★★★★★4 |
| UHC Dual Complete FL-Y5 (HMO-POS D-SNP) UnitedHealthcare · HMO-POS D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $75 | ★★★★★4 |
| BlueMedicare Focus (HMO C-SNP) Florida Blue HMO · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $3,400 | $700 | ★★★★★3.5 |
| UHC Dual Complete FL-Q1 (PPO D-SNP) UnitedHealthcare · PPO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★3.5 |
| UHC Dual Complete FL-Q3 (Regional PPO D-SNP) UnitedHealthcare · Regional PPO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★3.5 |
| UHC Dual Complete FL-Y7 (PPO D-SNP) UnitedHealthcare · PPO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $7.30 | $9,850 | $700 | ★★★★★3.5 |
| American Health Advantage of Florida (HMO I-SNP) American Health Advantage of Florida · HMO I-SNP (Special Needs: Institutional) · includes drug coverage | $7.30 | $9,850 | $700 | Not enough data available |
What changed from 2026 to 2027
- 10 plans are new here for 2027.
- 22 plans offered here in 2026 aren't listed for 2027 (for example Wellcare Dual Reserve (HMO D-SNP), Wellcare Patriot Giveback (HMO), Wellcare Dual Access Sync (HMO D-SNP)). If yours is one of them, the plan should send you a notice explaining your options.
- Of the 52 plans offered both years, 6 raised the monthly premium and 6 lowered it.
Compared by plan ID. Plans that were renamed or merged into another plan may appear as new or ended.
Care quality in Charlotte County
Medicare Advantage plans use networks. Before choosing, check that the hospitals and nursing homes you'd want are in the plan's network, and how they're rated.
Other coverage options
- Stand-alone Part D drug plans in Florida (for people with Original Medicare)
- Marketplace health plans in Charlotte County (for people under 65 or not on Medicare)
- Medicare Advantage vs. Original Medicare
Frequently asked questions
How many Medicare Advantage plans are available in Charlotte County, FL for 2027?
62 plans from 8 insurers: 33 general plans open to anyone with Medicare Parts A and B who lives here, plus 29 Special Needs Plans for people who qualify.
Are there $0-premium Medicare Advantage plans in Charlotte County, FL?
Yes. 28 general plans have a $0 monthly plan premium for 2027. You still pay your Medicare Part B premium, and copays and coinsurance still apply.
What is the highest-rated Medicare Advantage plan in Charlotte County, FL?
Humana Gold Plus H1036-217 (HMO) from Humana has the top Medicare star rating here (4.5 stars). Star ratings are given to the insurer's contract, so several plans can share one.
Which plan has the lowest out-of-pocket maximum in Charlotte County, FL?
Freedom Platinum Plan Rx (HMO) caps in-network out-of-pocket costs at $2,750 for 2027.