Medicare Advantage plans in Okaloosa, FL, 2027
Okaloosa, Florida has 18 Medicare Advantage plans open to everyone for 2027 (20 in 2026) and 13 special needs plans, according to the CMS landscape files; 13 of the open plans have a $0 premium. 6 plans that served the county in 2026 end or leave it, with 5,428 members living here in September 2026.
What changes in Okaloosa for 2027?
| In the county | 2026 | 2027 | Change |
|---|---|---|---|
| Plans open to everyone | 20 | 18 | ▼down 2 |
| Special needs plans | 15 | 13 | ▼down 2 |
| Plans with a $0 premium | 15 | 13 | ▼down 2 |
| Plans that lower the Part B premium | 10 | 7 | ▼down 3 |
| Median out-of-pocket limit | $6,750 | $6,950 | ▲up $200 |
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 Okaloosa join?
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| Humana Gold PlusH1036-143 · HMO | $0 | $4,300 | none | 4.5 of 5 |
| HealthSpring PreferredH5410-018 · HMO | $0 | $5,750 | none | 3.5 of 5 |
| Humana USAA Honor GivebackH5216-257 · PPO | $0 | $6,000 | $60 | 3.5 of 5 |
| BlueMedicare ClassicH1035-019 · HMO | $0 | $6,750 | none | 4 of 5 |
| Humana Gold Plus GivebackH1036-271 · HMO | $0 | $6,750 | $114.20 | 4.5 of 5 |
| BlueMedicare PatriotH5434-040 · PPO | $0 | $6,750 | $100 | 3.5 of 5 |
| BlueMedicare Patriot PlusH5434-048 · PPO | $0 | $6,750 | $200 | 3.5 of 5 |
| AARP Medicare Advantage from UHC FL-0008H1045-031 · HMO-POS | $0 | $7,150 | none | 4.5 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 SignatureH5521-435 · PPO | $0 | $7,150 | none | 4.5 of 5 |
| BlueMedicare ValueH5434-025 · PPO | $0 | $8,750 | none | 3.5 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 |
| HealthSpring CourageH5410-004 · HMO | $50 | $5,500 | $75 | 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 Okaloosa 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 | 2,492 | Not offered |
| AARP Medicare Advantage from UHC FL-0016H2406-008 | 2,385 | Not offered |
| AARP Medicare Advantage Patriot No Rx FL-MA2H2406-130 | 458 | Leaves the county |
| Wellcare Sunshine Health Dual AlignH1032-242 | 33 | Not offered |
| Wellcare Dual ReserveH1032-202 | 31 | Leaves the county |
| Wellcare Dual Access SyncH1032-240 | 29 | 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 |
|---|---|---|
| Humana Gold Plus: Diabetes and HeartH1036-336 | Chronic or Disabling Condition | $0 |
| Humana Gold Plus LungH1036-337 | Chronic or Disabling Condition | $0 |
| Humana Dual SelectH1036-314 | Dual-Eligible | $0 |
| Humana Dual SelectH5216-394 | Dual-Eligible | $0 |
| Humana Dual IntegratedH1036-341 | Dual-Eligible | $0 |
| UHC Dual Complete FL-Q1H1889-002 | 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 |
| UHC Dual Complete FL-Y7H1889-026 | Dual-Eligible | $7.30 |
| HealthSpring TotalCareH5410-013 | Dual-Eligible | $7.30 |
| HealthSpring TotalCare PlusH5410-042 | 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 Okaloosa use Medicare Advantage?
16,409 of the county's 47,311 people with Medicare were in a Medicare Advantage plan in September 2026, 34.7%; 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