2027 plan year · Florida
2027 Medicare Advantage plans in Lake County, FL
102 plans from 12 insurers for 2027. 42 general plans have a $0 monthly premium. The lowest in-network out-of-pocket limit is $2,000.
- 48general plans
- 42$0-premium plans
- $2,000lowest out-of-pocket max
- 4.5 ★top star rating
- 54Special Needs Plans
2027 Medicare Advantage plans in Lake 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 Community (HMO) Humana · HMO · includes drug coverage | $0 | $2,400 | $700 | ★★★★★4.5 |
| Humana Gold Plus H1036-146 (HMO) Humana · HMO · includes drug coverage | $0 | $2,400 | $700 | ★★★★★4.5 |
| Humana Gold Plus Giveback H1036-269 (HMO) Humana · HMO · includes drug coverage | $0 | $3,200 | $0 | ★★★★★4.5 |
| DEVOTED CORE 060 FL (HMO) Devoted Health · HMO · includes drug coverage | $0 | $3,900 | $650 | ★★★★★4.5 |
| DEVOTED CORE 027 FL (HMO) Devoted Health · HMO · includes drug coverage | $0 | $3,950 | $650 | ★★★★★4.5 |
| Optimum Gold Rewards Plan (HMO) Optimum HealthCare, Inc. · HMO · includes drug coverage | $0 | $4,450 | $0 | ★★★★★4.5 |
| DEVOTED GIVEBACK EXTRAS 108 FL (HMO) Devoted Health · HMO · includes drug coverage | $0 | $5,150 | $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 |
| DEVOTED GIVEBACK 035 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 |
| DEVOTED PREMIUM 044 FL (HMO) Devoted Health · HMO · includes drug coverage | $7.30 | $3,900 | $650 | ★★★★★4.5 |
| CareOne Plus (HMO-POS) CarePlus Health Plans, Inc. · HMO-POS · includes drug coverage | $0 | $2,000 | $700 | ★★★★★4 |
| Freedom Platinum Plan Rx (HMO) Freedom Health, Inc. · HMO · includes drug coverage | $0 | $2,000 | $0 | ★★★★★4 |
| CareOne Plus Local (HMO-POS) CarePlus Health Plans, Inc. · HMO-POS · includes drug coverage | $0 | $2,500 | $700 | ★★★★★4 |
| UHC The Villages Medicare Advantage FL-0004 (HMO-POS) UnitedHealthcare · HMO-POS · includes drug coverage | $0 | $2,700 | $405 | ★★★★★4 |
| Aetna Medicare Select Extra (HMO) Aetna Medicare · HMO · includes drug coverage | $0 | $2,900 | $200 | ★★★★★4 |
| UHC The Villages Medicare Advantage FL-004P (HMO-POS) UnitedHealthcare · HMO-POS · includes drug coverage | $0 | $2,900 | $405 | ★★★★★4 |
| Wellcare Simple (HMO-POS) Wellcare · HMO-POS · includes drug coverage | $0 | $3,000 | $700 | ★★★★★4 |
| CareFree Platinum Giveback (HMO) CarePlus Health Plans, Inc. · HMO · includes drug coverage | $0 | $3,300 | $700 | ★★★★★4 |
| Freedom Platinum Rewards Plan Rx (HMO) Freedom Health, Inc. · HMO · includes drug coverage | $0 | $3,400 | $0 | ★★★★★4 |
| CareFree Giveback (HMO) CarePlus Health Plans, Inc. · HMO · includes drug coverage | $0 | $3,850 | $700 | ★★★★★4 |
| Aetna Medicare Select (HMO) Aetna Medicare · HMO · includes drug coverage | $0 | $3,900 | $200 | ★★★★★4 |
| CareAccess (HMO) CarePlus Health Plans, Inc. · HMO · includes drug coverage | $0 | $4,000 | $700 | ★★★★★4 |
| CareSalute (HMO) CarePlus Health Plans, Inc. · HMO · no drug coverage | $0 | $4,150 | — | ★★★★★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 |
| AARP Medicare Advantage from UHC FL-0024 (PPO) UnitedHealthcare · PPO · includes drug coverage | $0 | $5,900 | $685 | ★★★★★4 |
| Aetna Medicare Signature Legacy (PPO) Aetna Medicare · PPO · includes drug coverage | $0 | $5,900 | $700 | ★★★★★4 |
| HumanaChoice Florida H5216-074 (PPO) Humana · PPO · includes drug coverage | $0 | $5,900 | $700 | ★★★★★4 |
| Humana USAA Honor Giveback (PPO) Humana · PPO · no drug coverage | $0 | $6,000 | — | ★★★★★4 |
| AARP Medicare Advantage Giveback from UHC FL-40 (HMO-POS) UnitedHealthcare · HMO-POS · 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 | $2,700 | $350 | ★★★★★3.5 |
| Premier by Ultimate (HMO) Ultimate Health Plans · HMO · includes drug coverage | $0 | $3,200 | $0 | ★★★★★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 |
| HumanaChoice Florida H7284-009 (PPO) Humana · PPO · includes drug coverage | $38.90 | $6,750 | $700 | ★★★★★3.5 |
| AARP Medicare Advantage from UHC FL-0031 (Regional PPO) UnitedHealthcare · Regional PPO · includes drug coverage | $127 | $9,850 | $685 | ★★★★★3.5 |
| HealthSpring Preferred (HMO) HealthSpring · HMO · includes drug coverage | $0 | $2,250 | $400 | ★★★★★3 |
| BlueMedicare Value (PPO) Florida Blue · PPO · includes drug coverage | $0 | $5,900 | $597 | ★★★★★3 |
| BlueMedicare Patriot (PPO) Florida Blue · PPO · no drug coverage | $0 | $6,750 | — | ★★★★★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 Community HMO Diabetes and Heart (HMO C-SNP) Humana · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $2,500 | $350 | ★★★★★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 | $3,100 | $700 | ★★★★★4.5 |
| Humana Gold Plus Lung (HMO C-SNP) Humana · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $3,100 | $700 | ★★★★★4.5 |
| Humana Dual Select H1036-213 (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 |
| 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 C-SNP ENHANCED 070 FL (HMO C-SNP) Devoted Health · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $4,400 | $465 | ★★★★★4.5 |
| DEVOTED DUAL 033 FL (HMO D-SNP) Devoted Health · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $4,400 | $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 |
| DEVOTED C-SNP PLUS 091 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 101 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 |
| CareBreeze (HMO C-SNP) CarePlus Health Plans, Inc. · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $2,000 | $700 | ★★★★★4 |
| CareBreeze Platinum (HMO C-SNP) CarePlus Health Plans, Inc. · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $2,000 | $700 | ★★★★★4 |
| CareComplete (HMO C-SNP) CarePlus Health Plans, Inc. · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $2,000 | $700 | ★★★★★4 |
| CareComplete Platinum (HMO C-SNP) CarePlus Health Plans, Inc. · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $2,400 | $700 | ★★★★★4 |
| CareComplete Local (HMO C-SNP) CarePlus Health Plans, Inc. · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $3,000 | $250 | ★★★★★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 |
| CareNeeds Platinum (HMO D-SNP) CarePlus Health Plans, Inc. · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $3,400 | $700 | ★★★★★4 |
| CareNeeds Plus (HMO D-SNP) CarePlus Health Plans, Inc. · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $3,400 | $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 | $3,900 | $405 | ★★★★★4 |
| Aetna Medicare Chronic Care (HMO C-SNP) Aetna Medicare · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $4,200 | $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 |
| 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 | $2,400 | $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 | $2,600 | $0 | ★★★★★3.5 |
| BlueMedicare Focus (HMO C-SNP) Florida Blue HMO · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $2,900 | $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-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 |
| AmeriHealth Caritas VIP Care (HMO D-SNP) AmeriHealth Caritas VIP Care (HMO-D-SNP) · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $0 | Not enough data available |
| 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
- 19 plans are new here for 2027.
- 23 plans offered here in 2026 aren't listed for 2027 (for example CareNeeds Extra (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 83 plans offered both years, 8 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 Lake 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 Lake 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 Lake County, FL for 2027?
102 plans from 12 insurers: 48 general plans open to anyone with Medicare Parts A and B who lives here, plus 54 Special Needs Plans for people who qualify.
Are there $0-premium Medicare Advantage plans in Lake County, FL?
Yes. 42 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 Lake County, FL?
Humana Community (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 Lake County, FL?
CareOne Plus (HMO-POS) caps in-network out-of-pocket costs at $2,000 for 2027.