Medicare Advantage plans in Highlands, FL, 2027
Highlands, Florida has 25 Medicare Advantage plans open to everyone for 2027 (37 in 2026) and 22 special needs plans, according to the CMS landscape files; 20 of the open plans have a $0 premium. 15 plans that served the county in 2026 end or leave it, with 3,767 members living here in September 2026.
What changes in Highlands for 2027?
| In the county | 2026 | 2027 | Change |
|---|---|---|---|
| Plans open to everyone | 37 | 25 | ▼down 12 |
| Special needs plans | 23 | 22 | ▼down 1 |
| Plans with a $0 premium | 32 | 20 | ▼down 12 |
| Plans that lower the Part B premium | 20 | 12 | ▼down 8 |
| Median out-of-pocket limit | $6,700 | $6,750 | ▲up $50 |
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 Highlands join?
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| Humana Gold PlusH1036-230 · HMO | $0 | $2,400 | none | 4.5 of 5 |
| Humana Gold Plus GivebackH1036-265 · HMO | $0 | $2,400 | $166.80 | 4.5 of 5 |
| AARP Medicare Advantage from UHC FL-0012H1045-042 · HMO-POS | $0 | $2,900 | none | 4.5 of 5 |
| Wellcare SimpleH1032-199 · HMO-POS | $0 | $3,000 | none | 4 of 5 |
| Humana Gold Plus GivebackH1036-266 · HMO | $0 | $3,400 | $133.80 | 4.5 of 5 |
| Humana USAA Honor GivebackH1036-119 · HMO | $0 | $3,900 | $151 | 4.5 of 5 |
| Aetna Medicare SelectH1609-027 · HMO | $0 | $3,900 | none | 4.5 of 5 |
| Aetna Medicare Signature LegacyH5521-272 · PPO | $0 | $5,500 | none | 4.5 of 5 |
| Humana Value ChoiceH5216-072 · PPO | $0 | $5,600 | $3.40 | 3.5 of 5 |
| BlueMedicare ValueH5434-024 · PPO | $0 | $5,900 | none | 3.5 of 5 |
| Humana USAA Honor GivebackH5216-257 · PPO | $0 | $6,000 | $60 | 3.5 of 5 |
| BlueMedicare PatriotH5434-042 · PPO | $0 | $6,750 | $100 | 3.5 of 5 |
| Humana USAA Honor GivebackH7617-108 · PPO | $0 | $6,750 | $182 | 4.5 of 5 |
| AARP Medicare Advantage from UHC FL-0027H2406-019 · PPO | $0 | $7,150 | none | 4 of 5 |
| Aetna Medicare Eagle GivebackH5521-306 · PPO | $0 | $7,150 | $120 | 4.5 of 5 |
| Aetna Medicare SignatureH5521-710 · PPO | $0 | $7,150 | none | 4.5 of 5 |
| Humana Essentials Plus GivebackH7617-126 · PPO | $0 | $7,150 | $92 | 4.5 of 5 |
| Wellcare GivebackH1032-198 · HMO-POS | $0 | $7,200 | $79.50 | 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 |
| 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 |
| BlueMedicare SelectH5434-002 · PPO | $173 | $7,500 | 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 Highlands 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 | 1,910 | Not offered |
| Humana Full Access GivebackH7617-111 | 764 | Not offered |
| Health First SunSaverH1099-016 | 444 | Leaves the county |
| HumanaChoice FloridaH7617-109 | 258 | Not offered |
| Humana Direct Choice GivebackH7617-112 | 115 | Not offered |
| Humana Direct Choice GivebackH5216-452 | 104 | Not offered |
| AARP Medicare Advantage CareFlex from UHC FL-33H1045-058 | 72 | Not offered |
| Aetna Medicare SignatureH5521-033 | 29 | Leaves the county |
| Wellcare Sunshine Health Dual AlignH1032-243 | 22 | Leaves the county |
| Wellcare Dual Access SyncH1032-241 | 19 | Leaves the county |
| Health First Emerald PlusH1099-028 | 17 | Leaves the county |
| Wellcare Dual ReserveH1032-202 | 13 | Leaves the county |
| Wellcare Patriot GivebackH1032-239 | fewer than 11 | Not offered |
| Health First Premier AccessH1099-027 | 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 |
|---|---|---|
| Simply Complete PlatinumH5471-118 | Dual-Eligible | $0 |
| Simply Integrated PlatinumH5471-135 | Dual-Eligible | $0 |
| Humana Dual SelectH1036-102 | Dual-Eligible | $0 |
| Humana Gold Plus: Diabetes and HeartH1036-299 | Chronic or Disabling Condition | $0 |
| Humana Gold Plus LungH1036-312 | Chronic or Disabling Condition | $0 |
| Humana Gold Plus: Diabetes and HeartH1036-338 | Chronic or Disabling Condition | $0 |
| Humana Fully IntegratedH1036-280 | Dual-Eligible | $0 |
| Humana Dual SelectH1036-314 | Dual-Eligible | $0 |
| UHC Complete Care FL-14H1045-048 | Chronic or Disabling Condition | $0 |
| Aetna Medicare Chronic CareH1609-099 | Chronic or Disabling Condition | $0 |
| Humana Dual SelectH5216-394 | Dual-Eligible | $0 |
| Humana Dual IntegratedH1036-340 | Dual-Eligible | $0 |
| Aetna Medicare Partial Dual SelectH1609-056 | Dual-Eligible | $0 |
| Aetna Medicare Full Dual SelectH1609-078 | Dual-Eligible | $0 |
| UHC Dual Complete FL-Q1H1889-002 | Dual-Eligible | $0 |
| UHC Dual Complete FL-YLH2509-001 | Dual-Eligible | $0 |
| UHC Dual Complete FL-Q2H2509-002 | Dual-Eligible | $0 |
| UHC Dual Complete FL-Y8H2509-003 | Dual-Eligible | $0 |
| Humana Dual IntegratedH5216-480 | Dual-Eligible | $0 |
| UHC Dual Complete FL-Q3R0759-003 | Dual-Eligible | $0 |
| Longevity Health PlanH1644-001 | Institutional | $7.30 |
| UHC Dual Complete FL-Y7H1889-026 | 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 Highlands use Medicare Advantage?
22,662 of the county's 37,662 people with Medicare were in a Medicare Advantage plan in September 2026, 60.2%; 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