Medicare Advantage plans in Hernando, FL, 2027
Hernando, Florida has 40 Medicare Advantage plans open to everyone for 2027 (51 in 2026) and 53 special needs plans, according to the CMS landscape files; 36 of the open plans have a $0 premium. 17 plans that served the county in 2026 end or leave it, with 4,173 members living here in September 2026.
What changes in Hernando for 2027?
| In the county | 2026 | 2027 | Change |
|---|---|---|---|
| Plans open to everyone | 51 | 40 | ▼down 11 |
| Special needs plans | 55 | 53 | ▼down 2 |
| Plans with a $0 premium | 46 | 36 | ▼down 10 |
| Plans that lower the Part B premium | 27 | 23 | ▼down 4 |
| Median out-of-pocket limit | $5,900 | $6,350 | ▲up $450 |
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 Hernando join?
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| Optimum Platinum PlanH5594-002 · HMO | $0 | $1,000 | none | 4.5 of 5 |
| Premier by UltimateH2962-001 · HMO | $0 | $1,900 | $202.90 | 4 of 5 |
| Optimum Gold Rewards PlanH5594-001 · HMO | $0 | $1,900 | $202.90 | 4.5 of 5 |
| Optimum Gold Plus PlanH5594-032 · HMO | $0 | $1,900 | $202.90 | 4.5 of 5 |
| Humana Gold PlusH1036-025 · HMO | $0 | $2,000 | $8.90 | 4.5 of 5 |
| Humana Gold Plus GivebackH1036-265 · HMO | $0 | $2,400 | $166.80 | 4.5 of 5 |
| Wellcare SimpleH1032-201 · HMO-POS | $0 | $2,700 | $2 | 4 of 5 |
| BlueMedicare Premier PlusH1035-060 · HMO | $0 | $2,700 | none | 4 of 5 |
| AARP Medicare Advantage from UHC FL-0006H1045-028 · HMO-POS | $0 | $3,800 | none | 4.5 of 5 |
| Humana USAA Honor GivebackH1036-119 · HMO | $0 | $3,900 | $151 | 4.5 of 5 |
| Devoted Core 037 FLH1290-037 · HMO | $0 | $3,900 | $4.80 | 5 of 5 |
| Devoted Core 058 FLH1290-058 · HMO | $0 | $3,900 | none | 5 of 5 |
| Aetna Medicare SelectH1609-087 · HMO | $0 | $3,900 | none | 4.5 of 5 |
| Devoted Core 036 FLH1290-036 · HMO | $0 | $3,950 | none | 5 of 5 |
| AARP Medicare Advantage from UHC FL-0013H1045-043 · HMO-POS | $0 | $4,450 | $5 | 4.5 of 5 |
| Freedom Savings PlanH5427-052 · HMO | $0 | $4,450 | $75 | 4.5 of 5 |
| Devoted Giveback Extras 106 FLH1290-106 · HMO | $0 | $5,150 | $70 | 5 of 5 |
| BlueMedicare PremierH1035-034 · HMO | $0 | $5,500 | none | 4 of 5 |
| Humana Value ChoiceH5216-072 · PPO | $0 | $5,600 | $3.40 | 3.5 of 5 |
| Humana USAA Honor GivebackH5216-257 · PPO | $0 | $6,000 | $60 | 3.5 of 5 |
Show the other 20 plans, by premium
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| BlueMedicare ClassicH1035-021 · HMO | $0 | $6,750 | none | 4 of 5 |
| BlueMedicare ValueH5434-035 · PPO | $0 | $6,750 | none | 3.5 of 5 |
| BlueMedicare PatriotH5434-042 · PPO | $0 | $6,750 | $100 | 3.5 of 5 |
| BlueMedicare Patriot PlusH5434-048 · PPO | $0 | $6,750 | $200 | 3.5 of 5 |
| Humana USAA Honor GivebackH7617-108 · PPO | $0 | $6,750 | $182 | 4.5 of 5 |
| HealthSpring PreferredH5410-059 · HMO | $0 | $7,100 | none | 3.5 of 5 |
| Devoted Giveback 051 FLH1290-051 · HMO | $0 | $7,150 | $202 | 5 of 5 |
| AARP Medicare Advantage from UHC FL-0019H2406-011 · PPO | $0 | $7,150 | none | 4 of 5 |
| Aetna Medicare Signature LegacyH5521-270 · PPO | $0 | $7,150 | none | 4.5 of 5 |
| Aetna Medicare Eagle GivebackH5521-306 · PPO | $0 | $7,150 | $120 | 4.5 of 5 |
| Aetna Medicare SignatureH5521-702 · PPO | $0 | $7,150 | none | 4.5 of 5 |
| Humana Essentials Plus GivebackH7617-126 · PPO | $0 | $7,150 | $92 | 4.5 of 5 |
| Wellcare GivebackH1032-200 · HMO-POS | $0 | $7,200 | $175 | 4 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 |
| Devoted Choice Giveback 008 FLH9884-008 · PPO | $0 | $9,850 | $174.70 | 4.5 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 |
| 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 Hernando 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 | 1,698 | Not offered |
| Humana Full Access GivebackH7617-111 | 1,122 | Not offered |
| Advantage Care COPD by UltimateH2962-025 | 696 | Not offered |
| HumanaChoice FloridaH7617-109 | 232 | Not offered |
| Humana Direct Choice GivebackH7617-112 | 120 | Not offered |
| Humana Direct Choice GivebackH5216-452 | 93 | Not offered |
| Simply MoreH5471-078 | 74 | Not offered |
| Aetna Medicare SignatureH5521-033 | 44 | Leaves the county |
| Simply Extra PlatinumH5471-117 | 36 | Not offered |
| AARP Medicare Advantage CareFlex from UHC FL-32H1045-057 | 35 | Not offered |
| Simply Level PlatinumH5471-119 | 23 | Not offered |
| Wellcare Patriot GivebackH1032-239 | fewer than 11 | Not offered |
| Health First Complete CareH1099-023 | fewer than 11 | Not offered |
| Health First Emerald PlusH1099-024 | fewer than 11 | Not offered |
| Health First Premier AccessH1099-025 | fewer than 11 | Not offered |
| Humana USAA Honor GivebackH5216-467 | fewer than 11 | Not offered |
| Simply LevelH5471-075 | 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 |
|---|---|---|
| Advantage Plus by Ultimate (Full)H2962-035 | Dual-Eligible | $0 |
| Advantage Plus by Ultimate (Partial)H2962-036 | Dual-Eligible | $0 |
| Freedom Medi-Medi PartialH5427-078 | Dual-Eligible | $0 |
| Simply Complete PlatinumH5471-118 | Dual-Eligible | $0 |
| Simply Integrated PlatinumH5471-135 | Dual-Eligible | $0 |
| Optimum Emerald PartialH5594-016 | Dual-Eligible | $0 |
| Freedom VIP CareH5427-070 | Chronic or Disabling Condition | $0 |
| Optimum DiamondH5594-036 | Chronic or Disabling Condition | $0 |
| Humana Dual SelectH1036-102 | Dual-Eligible | $0 |
| Advantage Care by UltimateH2962-021 | Chronic or Disabling Condition | $0 |
| Advantage Care COPD by UltimateH2962-053 | Chronic or Disabling Condition | $0 |
| Optimum Diamond RewardsH5594-028 | Chronic or Disabling Condition | $0 |
| Optimum Diamond Rewards COPDH5594-029 | Chronic or Disabling Condition | $0 |
| Humana Gold Plus: Diabetes and HeartH1036-299 | Chronic or Disabling Condition | $0 |
| Humana Gold Plus LungH1036-312 | Chronic or Disabling Condition | $0 |
| Gold Heart & DiabetesH1526-001 | Chronic or Disabling Condition | $0 |
| Humana Gold Plus: Diabetes and HeartH1036-338 | Chronic or Disabling Condition | $0 |
| Wellcare Sunshine Health Dual ReserveH1032-202 | Dual-Eligible | $0 |
| Humana Fully IntegratedH1036-280 | Dual-Eligible | $0 |
| Humana Dual SelectH1036-314 | Dual-Eligible | $0 |
Show the other 33 special needs plans
| Plan | Who can join | Premium |
|---|---|---|
| UHC Complete Care FL-14H1045-048 | Chronic or Disabling Condition | $0 |
| Gold Dialysis & KidneyH1526-003 | Chronic or Disabling Condition | $0 |
| SECUR EdgeH3048-003 | Institutional | $0 |
| Freedom VIP SavingsH5427-072 | Chronic or Disabling Condition | $0 |
| Freedom VIP Savings COPDH5427-077 | Chronic or Disabling Condition | $0 |
| Aetna Medicare Chronic CareH1609-082 | Chronic or Disabling Condition | $0 |
| Gold Heart & Diabetes PlusH1526-012 | Chronic or Disabling Condition | $0 |
| Devoted Dual 024 FLH1290-024 | Dual-Eligible | $0 |
| Humana Dual SelectH5216-394 | Dual-Eligible | $0 |
| Wellcare Sunshine Health Dual AlignH1032-246 | Dual-Eligible | $0 |
| Wellcare Sunshine Health Dual AccessH1032-248 | 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 |
| Devoted Dual Qmb 052 FLH1290-052 | Dual-Eligible | $0 |
| Devoted Dual Full 082 FLH1290-082 | Dual-Eligible | $0 |
| Devoted C-SNP Plus 089 FLH1290-089 | Chronic or Disabling Condition | $0 |
| Aetna Medicare QMB Only SelectH1609-044 | Dual-Eligible | $0 |
| Aetna Medicare Full Dual SelectH1609-088 | Dual-Eligible | $0 |
| Aetna Medicare Partial Dual SelectH1609-105 | 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 Nursing Home Plan FL-F001H0710-010 | Institutional | $6.10 |
| SECUR EnhancedH3048-002 | Institutional | $7.30 |
| SECUR AdvantageH3048-001 | Institutional | $7.30 |
| Gold Dialysis & Kidney CompleteH1526-004 | Chronic or Disabling Condition | $7.30 |
| Gold Heart & Diabetes CompleteH1526-002 | Chronic or Disabling Condition | $7.30 |
| Longevity Health PlanH1644-001 | Institutional | $7.30 |
| UHC Dual Complete FL-Y7H1889-026 | Dual-Eligible | $7.30 |
| HealthSpring TotalCare PlusH5410-032 | Dual-Eligible | $7.30 |
| HealthSpring TotalCareH5410-046 | 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 Hernando use Medicare Advantage?
44,281 of the county's 64,496 people with Medicare were in a Medicare Advantage plan in September 2026, 68.7%; 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