Medicare Advantage plans in Flagler, FL, 2027
Flagler, Florida has 42 Medicare Advantage plans open to everyone for 2027 (43 in 2026) and 31 special needs plans, according to the CMS landscape files; 35 of the open plans have a $0 premium. 5 plans that served the county in 2026 end or leave it, with 4,399 members living here in September 2026.
What changes in Flagler for 2027?
| In the county | 2026 | 2027 | Change |
|---|---|---|---|
| Plans open to everyone | 43 | 42 | ▼down 1 |
| Special needs plans | 29 | 31 | ▲up 2 |
| Plans with a $0 premium | 36 | 35 | ▼down 1 |
| Plans that lower the Part B premium | 21 | 18 | ▼down 3 |
| Median out-of-pocket limit | $6,750 | $6,750 | no change |
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision); CMS plan benefit package files, 2027 and 2026.
Which plans can anyone in Flagler join?
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| Wellcare SimpleH1032-205 · HMO-POS | $0 | $2,500 | none | 4 of 5 |
| Humana Gold PlusH1036-044 · HMO | $0 | $2,700 | none | 4.5 of 5 |
| CareOne PlusH1019-113 · HMO | $0 | $3,000 | $2 | 4.5 of 5 |
| Humana Gold Plus GivebackH1036-157 · HMO | $0 | $3,700 | $136 | 4.5 of 5 |
| CareFree Platinum GivebackH1019-094 · HMO | $0 | $3,750 | $124.50 | 4.5 of 5 |
| AARP Medicare Advantage from UHC FL-0005H1045-026 · HMO-POS | $0 | $3,900 | none | 4.5 of 5 |
| Health First SunSaverH1099-016 · HMO | $0 | $3,900 | none | 4.5 of 5 |
| Aetna Medicare SelectH1609-059 · HMO | $0 | $3,900 | none | 4.5 of 5 |
| CareAccessH1019-144 · HMO | $0 | $4,000 | none | 4.5 of 5 |
| CareSaluteH1019-132 · HMO | $0 | $4,150 | $125 | 4.5 of 5 |
| Health First Emerald PlusH1099-028 · HMO | $0 | $4,200 | $127 | 4.5 of 5 |
| Devoted Core 057 FLH1290-057 · HMO | $0 | $4,700 | none | 5 of 5 |
| Devoted Core 050 FLH1290-050 · HMO | $0 | $4,950 | none | 5 of 5 |
| Devoted Giveback Extras 105 FLH1290-105 · HMO | $0 | $5,550 | $70 | 5 of 5 |
| Humana USAA Honor GivebackH5216-257 · PPO | $0 | $6,000 | $60 | 3.5 of 5 |
| Humana USAA Honor GivebackH1036-290 · HMO | $0 | $6,700 | $93 | 4.5 of 5 |
| BlueMedicare PatriotH5434-044 · PPO | $0 | $6,750 | $135 | 3.5 of 5 |
| BlueMedicare Patriot PlusH5434-048 · PPO | $0 | $6,750 | $200 | 3.5 of 5 |
| Aetna Medicare Signature LegacyH5521-269 · PPO | $0 | $6,750 | none | 4.5 of 5 |
| Humana USAA Honor GivebackH7617-108 · PPO | $0 | $6,750 | $182 | 4.5 of 5 |
Show the other 22 plans, by premium
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| HealthSpring PreferredH5410-059 · HMO | $0 | $7,100 | none | 3.5 of 5 |
| FHCP Medicare ClassicH1035-040 · HMO | $0 | $7,150 | none | 4 of 5 |
| AARP Medicare Advantage CareFlex from UHC FL-37H1045-067 · HMO-POS | $0 | $7,150 | none | 4.5 of 5 |
| AARP Medicare Advantage Giveback from UHC FL-40H1045-071 · HMO-POS | $0 | $7,150 | $150 | 4.5 of 5 |
| Devoted Giveback 049 FLH1290-049 · HMO | $0 | $7,150 | $202 | 5 of 5 |
| AARP Medicare Advantage from UHC FL-0021H2406-013 · PPO | $0 | $7,150 | none | 4 of 5 |
| Humana Value ChoiceH5216-070 · PPO | $0 | $7,150 | none | 3.5 of 5 |
| Aetna Medicare Eagle GivebackH5521-306 · PPO | $0 | $7,150 | $120 | 4.5 of 5 |
| Aetna Medicare Signature ExtraH5521-434 · PPO | $0 | $7,150 | none | 4.5 of 5 |
| Aetna Medicare SignatureH5521-705 · PPO | $0 | $7,150 | none | 4.5 of 5 |
| Humana Essentials Plus GivebackH7617-126 · PPO | $0 | $7,150 | $92 | 4.5 of 5 |
| Wellcare GivebackH1032-204 · HMO-POS | $0 | $7,200 | $74 | 4 of 5 |
| BlueMedicare ValueH5434-031 · PPO | $0 | $7,900 | none | 3.5 of 5 |
| AARP Medicare Advantage Patriot No Rx FL-MA2H2406-130 · PPO | $0 | $8,900 | $100 | 4 of 5 |
| AARP Medicare Advantage Patriot No Rx FL-MA01R0759-002 · Regional PPO | $0 | $9,250 | $27 | 3.5 of 5 |
| HumanaChoiceR5826-018 · Regional PPO | $9 | $7,550 | none | 3.5 of 5 |
| HumanaChoiceR5826-074 · Regional PPO | $35 | $7,550 | none | 3.5 of 5 |
| HumanaChoice FloridaH7284-009 · PPO | $38.90 | $6,750 | none | 3.5 of 5 |
| FHCP Medicare Rx PlusH1035-002 · HMO | $82 | $6,750 | none | 4 of 5 |
| Aetna Medicare PremierH5521-706 · PPO | $100 | $7,150 | none | 4.5 of 5 |
| AARP Medicare Advantage from UHC FL-0031R0759-001 · Regional PPO | $127 | $9,850 | none | 3.5 of 5 |
| HumanaChoiceR5826-005 · Regional PPO | $161 | $6,700 | none | 3.5 of 5 |
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision); CMS plan benefit package files, 2027 and 2026. Stars are the contract's 2026 rating. confirm on Medicare Plan Finder.
Which plans leave Flagler in 2027?
Members of these plans here choose a 2027 plan during open enrollment, October 15 to December 7, 2026; choosing by December 31 means no gap; because their plan is leaving the county, they can still join until the end of February 2027, with coverage from the first of the next month. Each plan's page says what happens to its members.
| 2026 plan | Members here, Sept. 2026 | For 2027 |
|---|---|---|
| Humana Full Access GivebackH5216-393 | 3,089 | Not offered |
| Humana Full Access GivebackH7617-111 | 1,295 | Not offered |
| Health First Premier AccessH1099-027 | 15 | Not offered |
| Wellcare Patriot GivebackH1032-239 | fewer than 11 | Not offered |
| Humana USAA Honor GivebackH5216-467 | fewer than 11 | Not offered |
Source: CMS plan crosswalk from 2026 to 2027 (Oct. 1, 2026); CMS monthly enrollment by plan and by county, September 2026 (CMS hides counts under 11); CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).
Which special needs plans are sold here?
Open only to people with Medicaid as well as Medicare, with certain chronic conditions, or living in an institution.
| Plan | Who can join | Premium |
|---|---|---|
| CareCompleteH1019-150 | Chronic or Disabling Condition | $0 |
| CareBreezeH1019-154 | Chronic or Disabling Condition | $0 |
| Wellcare Sunshine Health Dual ReserveH1032-202 | Dual-Eligible | $0 |
| Humana Gold Plus: Diabetes and HeartH1036-301 | Chronic or Disabling Condition | $0 |
| Humana Gold Plus LungH1036-315 | Chronic or Disabling Condition | $0 |
| CareNeeds PlusH1019-073 | Dual-Eligible | $0 |
| CareNeeds PlatinumH1019-146 | Dual-Eligible | $0 |
| Humana Dual SelectH1036-209 | Dual-Eligible | $0 |
| Humana Fully IntegratedH1036-280 | Dual-Eligible | $0 |
| Humana Dual SelectH1036-314 | Dual-Eligible | $0 |
| CareComplete PlatinumH1019-109 | Chronic or Disabling Condition | $0 |
| CareBreeze PlatinumH1019-118 | Chronic or Disabling Condition | $0 |
| Aetna Medicare Chronic CareH1609-102 | Chronic or Disabling Condition | $0 |
| Humana Dual SelectH5216-394 | Dual-Eligible | $0 |
| Devoted Dual 041 FLH1290-041 | Dual-Eligible | $0 |
| Wellcare Sunshine Health Dual AlignH1032-247 | Dual-Eligible | $0 |
| Wellcare Sunshine Health Dual AccessH1032-249 | Dual-Eligible | $0 |
| Humana Dual IntegratedH1036-340 | Dual-Eligible | $0 |
| UHC Dual Complete FL-QV2H1045-039 | Dual-Eligible | $0 |
| UHC Dual Complete FL-Y5H1045-073 | Dual-Eligible | $0 |
Show the other 11 special needs plans
| Plan | Who can join | Premium |
|---|---|---|
| Devoted Dual Qmb 052 FLH1290-052 | Dual-Eligible | $0 |
| Devoted Dual Full 096 FLH1290-096 | Dual-Eligible | $0 |
| Aetna Medicare Partial Dual SelectH1609-055 | Dual-Eligible | $0 |
| Aetna Medicare Full Dual SelectH1609-077 | Dual-Eligible | $0 |
| UHC Dual Complete FL-Q1H1889-002 | Dual-Eligible | $0 |
| UHC Dual Complete FL-YLH2509-001 | Dual-Eligible | $0 |
| Humana Dual IntegratedH5216-480 | Dual-Eligible | $0 |
| UHC Dual Complete FL-Q3R0759-003 | Dual-Eligible | $0 |
| UHC Dual Complete FL-Y7H1889-026 | Dual-Eligible | $7.30 |
| HealthSpring TotalCare PlusH5410-031 | Dual-Eligible | $7.30 |
| HealthSpring TotalCareH5410-045 | Dual-Eligible | $7.30 |
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).
How many people in Flagler use Medicare Advantage?
26,768 of the county's 48,375 people with Medicare were in a Medicare Advantage plan in September 2026, 55.3%; in Florida as a whole the share is 57.4%.
Source: CMS Medicare Advantage state and county penetration, September 2026.
What else should you check?
- Medicare Advantage in FloridaEvery county of the state
- 11 stand-alone drug plans in FloridaIf you keep Original Medicare
- Is your plan ending?Every plan not offered in 2027