Medicare Advantage plans in Lee, FL, 2027
Lee, Florida has 34 Medicare Advantage plans open to everyone for 2027 (41 in 2026) and 33 special needs plans, according to the CMS landscape files; 29 of the open plans have a $0 premium. 14 plans that served the county in 2026 end or leave it, with 18,182 members living here in September 2026.
What changes in Lee for 2027?
| In the county | 2026 | 2027 | Change |
|---|---|---|---|
| Plans open to everyone | 41 | 34 | ▼down 7 |
| Special needs plans | 37 | 33 | ▼down 4 |
| Plans with a $0 premium | 36 | 29 | ▼down 7 |
| Plans that lower the Part B premium | 21 | 16 | ▼down 5 |
| Median out-of-pocket limit | $6,700 | $6,725 | ▲up $25 |
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 Lee join?
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| Freedom Platinum Plan RxH5427-091 · HMO | $0 | $2,750 | none | 4.5 of 5 |
| Wellcare SimpleH1032-199 · HMO-POS | $0 | $3,000 | none | 4 of 5 |
| AARP Medicare Advantage from UHC FL-0010H1045-034 · HMO-POS | $0 | $3,400 | none | 4.5 of 5 |
| Freedom Platinum Rewards Plan RxH5427-105 · HMO | $0 | $3,400 | $105 | 4.5 of 5 |
| BlueMedicare PremierH1035-045 · HMO | $0 | $3,500 | none | 4 of 5 |
| Humana Gold PlusH1036-217 · HMO | $0 | $3,800 | $1 | 4.5 of 5 |
| AARP Medicare Advantage from UHC FL-0006H1045-028 · HMO-POS | $0 | $3,800 | none | 4.5 of 5 |
| Aetna Medicare SelectH1609-027 · HMO | $0 | $3,900 | none | 4.5 of 5 |
| Humana Gold Plus GivebackH1036-278 · HMO | $0 | $4,400 | $84.60 | 4.5 of 5 |
| Freedom Savings PlanH5427-052 · HMO | $0 | $4,450 | $75 | 4.5 of 5 |
| Freedom Medicare Plan RxH5427-059 · HMO | $0 | $4,450 | 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 |
| Humana USAA Honor GivebackH5216-257 · PPO | $0 | $6,000 | $60 | 3.5 of 5 |
| BlueMedicare ValueH5434-030 · PPO | $0 | $6,500 | none | 3.5 of 5 |
| Humana USAA Honor GivebackH1036-290 · HMO | $0 | $6,700 | $93 | 4.5 of 5 |
| BlueMedicare ClassicH1035-019 · HMO | $0 | $6,750 | none | 4 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 |
Show the other 14 plans, by premium
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| AARP Medicare Advantage CareFlex from UHC FL-34H1045-059 · HMO-POS | $0 | $7,150 | none | 4.5 of 5 |
| AARP Medicare Advantage from UHC FL-0017H2406-009 · 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 |
| Devoted Choice Giveback 016 FLH9884-016 · PPO | $0 | $7,150 | $166.70 | 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 Lee 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 | 8,906 | Not offered |
| Humana Full Access GivebackH7617-111 | 5,190 | Not offered |
| HumanaChoice FloridaH7617-109 | 1,855 | Not offered |
| Humana Direct Choice GivebackH7617-112 | 759 | Not offered |
| Humana Direct Choice GivebackH5216-452 | 604 | Not offered |
| HealthSpring PreferredH5410-060 | 233 | Not offered |
| Aetna Medicare SignatureH5521-033 | 215 | Leaves the county |
| Wellcare Sunshine Health Dual AlignH1032-243 | 115 | Leaves the county |
| Wellcare Dual Access SyncH1032-241 | 76 | Leaves the county |
| HealthSpring TotalCare PlusH5410-047 | 66 | Not offered |
| Wellcare Dual ReserveH1032-202 | 58 | Leaves the county |
| Wellcare Patriot GivebackH1032-239 | 51 | Not offered |
| Humana USAA Honor GivebackH5216-467 | 28 | Not offered |
| HealthSpring TotalCareH5410-055 | 26 | 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 |
|---|---|---|
| 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 |
| Premier CareH9917-007 | Institutional | $0 |
| Humana Gold Plus: Diabetes and HeartH1036-338 | Chronic or Disabling Condition | $0 |
| Humana Gold Plus LungH1036-310 | Chronic or Disabling Condition | $0 |
| Humana Gold Plus: Diabetes and HeartH1036-311 | Chronic or Disabling Condition | $0 |
| BlueMedicare FocusH1035-056 | Chronic or Disabling Condition | $0 |
| Humana Dual SelectH1036-285 | Dual-Eligible | $0 |
| Humana Dual SelectH1036-314 | Dual-Eligible | $0 |
| UHC Complete Care FL-14H1045-048 | Chronic or Disabling Condition | $0 |
| Freedom VIP SavingsH5427-082 | Chronic or Disabling Condition | $0 |
| Freedom VIP Savings COPDH5427-083 | Chronic or Disabling Condition | $0 |
| Florida Complete CareH9986-001 | Institutional | $0 |
| Florida Complete Care- In The CommunityH9986-002 | Institutional | $0 |
| Florida Complete Care-Duals VIPH9986-004 | Dual-Eligible | $0 |
| Aetna Medicare Chronic CareH1609-099 | Chronic or Disabling Condition | $0 |
| Humana Dual SelectH5216-394 | Dual-Eligible | $0 |
| Optimum Diamond SavingsH5594-030 | Chronic or Disabling Condition | $0 |
Show the other 13 special needs plans
| Plan | Who can join | Premium |
|---|---|---|
| Optimum Diamond Savings COPDH5594-031 | Chronic or Disabling Condition | $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 |
| 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 |
| Humana Dual IntegratedH5216-480 | Dual-Eligible | $0 |
| UHC Dual Complete FL-Q3R0759-003 | Dual-Eligible | $0 |
| Senior CareH9917-006 | Institutional | $2.10 |
| UHC Nursing Home Plan FL-F001H0710-010 | Institutional | $6.10 |
| 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 Lee use Medicare Advantage?
115,206 of the county's 227,945 people with Medicare were in a Medicare Advantage plan in September 2026, 50.5%; 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