2027 plan year · Florida
2027 Medicare Advantage plans in Hernando County, FL
93 plans from 12 insurers for 2027. 36 general plans have a $0 monthly premium. The lowest in-network out-of-pocket limit is $1,000.
- 40general plans
- 36$0-premium plans
- $1,000lowest out-of-pocket max
- 4.5 ★top star rating
- 53Special Needs Plans
2027 Medicare Advantage plans in Hernando 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 |
|---|---|---|---|---|
| Optimum Platinum Plan (HMO) Optimum HealthCare, Inc. · HMO · includes drug coverage | $0 | $1,000 | $0 | ★★★★★4.5 |
| Optimum Gold Plus Plan (HMO) Optimum HealthCare, Inc. · HMO · includes drug coverage | $0 | $1,900 | $0 | ★★★★★4.5 |
| Optimum Gold Rewards Plan (HMO) Optimum HealthCare, Inc. · HMO · includes drug coverage | $0 | $1,900 | $0 | ★★★★★4.5 |
| Humana Gold Plus H1036-025 (HMO) Humana · HMO · includes drug coverage | $0 | $2,000 | $0 | ★★★★★4.5 |
| Humana Gold Plus Giveback H1036-265 (HMO) Humana · HMO · includes drug coverage | $0 | $2,400 | $0 | ★★★★★4.5 |
| DEVOTED CORE 037 FL (HMO) Devoted Health · HMO · includes drug coverage | $0 | $3,900 | $650 | ★★★★★4.5 |
| DEVOTED CORE 058 FL (HMO) Devoted Health · HMO · includes drug coverage | $0 | $3,900 | $650 | ★★★★★4.5 |
| Humana USAA Honor Giveback (HMO) Humana · HMO · no drug coverage | $0 | $3,900 | — | ★★★★★4.5 |
| DEVOTED CORE 036 FL (HMO) Devoted Health · HMO · includes drug coverage | $0 | $3,950 | $650 | ★★★★★4.5 |
| DEVOTED GIVEBACK EXTRAS 106 FL (HMO) Devoted Health · HMO · includes drug coverage | $0 | $5,150 | $700 | ★★★★★4.5 |
| Humana USAA Honor Giveback (PPO) Humana · PPO · no drug coverage | $0 | $6,750 | — | ★★★★★4.5 |
| DEVOTED GIVEBACK 051 FL (HMO) Devoted Health · HMO · includes drug coverage | $0 | $7,150 | $650 | ★★★★★4.5 |
| Humana Essentials Plus Giveback (PPO) Humana · PPO · includes drug coverage | $0 | $7,150 | $700 | ★★★★★4.5 |
| Wellcare Simple (HMO-POS) Wellcare · HMO-POS · includes drug coverage | $0 | $2,700 | $700 | ★★★★★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 | $200 | ★★★★★4 |
| AARP Medicare Advantage from UHC FL-0013 (HMO-POS) UnitedHealthcare · HMO-POS · includes drug coverage | $0 | $4,450 | $405 | ★★★★★4 |
| Freedom Savings Plan (HMO) Freedom Health, Inc. · HMO · no drug coverage | $0 | $4,450 | — | ★★★★★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 |
| AARP Medicare Advantage from UHC FL-0019 (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 Legacy (PPO) Aetna Medicare · PPO · includes drug coverage | $0 | $7,150 | $700 | ★★★★★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 |
| DEVOTED CHOICE GIVEBACK 008 FL (PPO) Devoted Health · PPO · includes drug coverage | $0 | $9,850 | $461 | ★★★★★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 |
| Premier by Ultimate (HMO) Ultimate Health Plans · HMO · includes drug coverage | $0 | $1,900 | $0 | ★★★★★3.5 |
| BlueMedicare Premier Plus (HMO) Florida Blue HMO · HMO · includes drug coverage | $0 | $2,700 | $350 | ★★★★★3.5 |
| BlueMedicare Premier (HMO) Florida Blue HMO · HMO · includes drug coverage | $0 | $5,500 | $615 | ★★★★★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 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 Value (PPO) Florida Blue · PPO · includes drug coverage | $0 | $6,750 | $597 | ★★★★★3 |
| HealthSpring Preferred (HMO) HealthSpring · HMO · includes drug coverage | $0 | $7,100 | $400 | ★★★★★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 |
| Optimum Diamond (HMO C-SNP) Optimum HealthCare, Inc. · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $1,000 | $0 | ★★★★★4.5 |
| Humana Dual Select H1036-102 (HMO D-SNP) Humana · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $1,500 | $700 | ★★★★★4.5 |
| Optimum Diamond Rewards COPD (HMO C-SNP) Optimum HealthCare, Inc. · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $1,750 | $0 | ★★★★★4.5 |
| Optimum Diamond Rewards (HMO C-SNP) Optimum HealthCare, Inc. · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $1,750 | $0 | ★★★★★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 | $2,000 | $700 | ★★★★★4.5 |
| Humana Gold Plus Lung (HMO C-SNP) Humana · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $2,000 | $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 | $2,850 | $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 |
| Humana Fully Integrated H1036-280 (HMO D-SNP) Humana · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $3,400 | $700 | ★★★★★4.5 |
| DEVOTED DUAL 024 FL (HMO D-SNP) Devoted Health · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $4,400 | $700 | ★★★★★4.5 |
| DEVOTED C-SNP PLUS 089 FL (HMO C-SNP) Devoted Health · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $9,850 | $465 | ★★★★★4.5 |
| DEVOTED DUAL FULL 082 FL (HMO D-SNP) Devoted Health · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★4.5 |
| DEVOTED DUAL QMB 052 FL (HMO D-SNP) Devoted Health · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★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 Care (HMO C-SNP) Freedom Health, Inc. · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $1,000 | $0 | ★★★★★4 |
| Wellcare Sunshine Health Dual Reserve (HMO-POS D-SNP) Wellcare · HMO-POS D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $3,000 | $700 | ★★★★★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 |
| Aetna Medicare QMB Only 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 |
| Wellcare Sunshine Health Dual Access (HMO-POS D-SNP) Wellcare · HMO-POS D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★4 |
| Wellcare Sunshine Health Dual Align (HMO D-SNP) Wellcare · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★4 |
| Advantage Plus by Ultimate (Full) (HMO D-SNP) Ultimate Health Plans · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $500 | $700 | ★★★★★3.5 |
| Advantage Plus by Ultimate (Partial) (HMO D-SNP) Ultimate Health Plans · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $500 | $700 | ★★★★★3.5 |
| Advantage Care by Ultimate (HMO C-SNP) Ultimate Health Plans · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $1,600 | $0 | ★★★★★3.5 |
| Advantage Care COPD by Ultimate (HMO C-SNP) Ultimate Health Plans · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $1,750 | $0 | ★★★★★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-YL (HMO-POS D-SNP) UnitedHealthcare · HMO-POS 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 |
| HealthSpring TotalCare (HMO D-SNP) HealthSpring · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $7.30 | $9,850 | $700 | ★★★★★3 |
| HealthSpring TotalCare Plus (HMO D-SNP) HealthSpring · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $7.30 | $9,850 | $700 | ★★★★★3 |
| Gold Heart & Diabetes (HMO-POS C-SNP) Gold Kidney Health Plan · HMO-POS C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $2,700 | $0 | ★★★★★2.5 |
| Gold Dialysis & Kidney (HMO-POS C-SNP) Gold Kidney Health Plan · HMO-POS C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $3,400 | $0 | ★★★★★2.5 |
| Gold Heart & Diabetes Plus (HMO-POS C-SNP) Gold Kidney Health Plan · HMO-POS C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $4,100 | $0 | ★★★★★2.5 |
| Gold Dialysis & Kidney Complete (HMO-POS C-SNP) Gold Kidney Health Plan · HMO-POS C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $7.30 | $9,250 | $700 | ★★★★★2.5 |
| Gold Heart & Diabetes Complete (HMO-POS C-SNP) Gold Kidney Health Plan · HMO-POS C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $7.30 | $9,750 | $700 | ★★★★★2.5 |
| SECUR Edge (HMO I-SNP) SECUR Health Plan · HMO I-SNP (Special Needs: Institutional) · includes drug coverage | $0 | $3,400 | $700 | Not enough data available |
| SECUR Enhanced (HMO I-SNP) SECUR Health Plan · HMO I-SNP (Special Needs: Institutional) · includes drug coverage | $7.30 | $2,500 | $700 | Not enough data available |
| SECUR Advantage (HMO I-SNP) SECUR Health Plan · HMO I-SNP (Special Needs: Institutional) · includes drug coverage | $7.30 | $8,300 | $700 | Not enough data available |
What changed from 2026 to 2027
- 13 plans are new here for 2027.
- 26 plans offered here in 2026 aren't listed for 2027 (for example Wellcare Patriot Giveback (HMO), Wellcare Dual Access Sync (HMO D-SNP), Wellcare Sunshine Health Dual Align (HMO D-SNP)). If yours is one of them, the plan should send you a notice explaining your options.
- Of the 80 plans offered both years, 10 raised the monthly premium and 12 lowered it.
Compared by plan ID. Plans that were renamed or merged into another plan may appear as new or ended.
Care quality in Hernando 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 Hernando 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 Hernando County, FL for 2027?
93 plans from 12 insurers: 40 general plans open to anyone with Medicare Parts A and B who lives here, plus 53 Special Needs Plans for people who qualify.
Are there $0-premium Medicare Advantage plans in Hernando County, FL?
Yes. 36 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 Hernando County, FL?
Optimum Platinum Plan (HMO) from Optimum HealthCare, Inc. 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 Hernando County, FL?
Optimum Platinum Plan (HMO) caps in-network out-of-pocket costs at $1,000 for 2027.