Medicare Advantage plans in Okeechobee, FL, 2027
Okeechobee, Florida has 25 Medicare Advantage plans open to everyone for 2027 (21 in 2026) and 22 special needs plans, according to the CMS landscape files; 20 of the open plans have a $0 premium. 5 plans that served the county in 2026 end or leave it, with 67 members living here in September 2026.
What changes in Okeechobee for 2027?
| In the county | 2026 | 2027 | Change |
|---|---|---|---|
| Plans open to everyone | 21 | 25 | ▲up 4 |
| Special needs plans | 20 | 22 | ▲up 2 |
| Plans with a $0 premium | 16 | 20 | ▲up 4 |
| Plans that lower the Part B premium | 12 | 12 | no change |
| Median out-of-pocket limit | $6,700 | $7,150 | ▲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 Okeechobee join?
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| Wellcare SimpleH1032-199 · HMO-POS | $0 | $3,000 | none | 4 of 5 |
| AARP Medicare Advantage from UHC FL-001PH1045-036 · HMO-POS | $0 | $3,500 | none | 4.5 of 5 |
| Humana Gold Plus ReachH1036-229 · HMO | $0 | $3,800 | none | 4.5 of 5 |
| HumanaChoice FloridaH5216-062 · PPO | $0 | $4,450 | none | 3.5 of 5 |
| HumanaChoice FloridaH5216-472 · PPO | $0 | $4,450 | none | 3.5 of 5 |
| Devoted Core 066 FLH1290-066 · HMO | $0 | $4,700 | none | 5 of 5 |
| Humana USAA Honor GivebackH5216-256 · PPO | $0 | $4,900 | $140.50 | 3.5 of 5 |
| Devoted Core 046 FLH1290-046 · HMO | $0 | $4,950 | none | 5 of 5 |
| Devoted Giveback Extras 116 FLH1290-116 · HMO | $0 | $5,700 | $70 | 5 of 5 |
| Humana USAA Honor GivebackH7617-108 · PPO | $0 | $6,750 | $182 | 4.5 of 5 |
| AARP Medicare Advantage from UHC FL-0025H2406-017 · PPO | $0 | $7,150 | none | 4 of 5 |
| HumanaChoice GivebackH5216-311 · PPO | $0 | $7,150 | $155 | 3.5 of 5 |
| HumanaChoice GivebackH7617-110 · PPO | $0 | $7,150 | $161.50 | 4.5 of 5 |
| HumanaChoice GivebackH7617-145 · PPO | $0 | $7,150 | $92 | 4.5 of 5 |
| Wellcare GivebackH1032-198 · HMO-POS | $0 | $7,200 | $79.50 | 4 of 5 |
| Devoted Giveback 045 FLH1290-045 · HMO | $0 | $7,700 | $202 | 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 |
| BlueMedicare PatriotH5434-046 · PPO | $0 | $9,850 | $75 | 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 |
| BlueMedicare SelectH5434-045 · PPO | $99.50 | $7,150 | 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 Okeechobee 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 |
|---|---|---|
| HumanaChoice Florida SNP-DEH7617-113 | 40 | Not offered |
| AARP Medicare Advantage CareFlex from UHC FL-35H1045-060 | 27 | Not offered |
| Wellcare Dual ReserveH1032-202 | fewer than 11 | Leaves the county |
| 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 |
|---|---|---|
| Gold Heart & DiabetesH1526-001 | Chronic or Disabling Condition | $0 |
| Humana Gold Plus: Diabetes and HeartH1036-338 | Chronic or Disabling Condition | $0 |
| Humana Gold Plus: Diabetes and HeartH1036-292 | Chronic or Disabling Condition | $0 |
| Humana Gold Plus LungH1036-298 | Chronic or Disabling Condition | $0 |
| Gold Dialysis & KidneyH1526-003 | Chronic or Disabling Condition | $0 |
| UHC Complete Care FL-14H1045-048 | Chronic or Disabling Condition | $0 |
| Gold Heart & Diabetes PlusH1526-012 | Chronic or Disabling Condition | $0 |
| Humana Dual SelectH7284-010 | Dual-Eligible | $0 |
| Devoted Dual 039 FLH1290-039 | Dual-Eligible | $0 |
| Humana Dual SelectH1036-226 | Dual-Eligible | $0 |
| Humana Dual IntegratedH1036-339 | Dual-Eligible | $0 |
| Devoted Dual Qmb 052 FLH1290-052 | Dual-Eligible | $0 |
| Devoted Dual Full 098 FLH1290-098 | 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 IntegratedH7284-013 | Dual-Eligible | $0 |
| UHC Dual Complete FL-Q3R0759-003 | Dual-Eligible | $0 |
| Gold Dialysis & Kidney CompleteH1526-004 | Chronic or Disabling Condition | $7.30 |
| Gold Heart & Diabetes CompleteH1526-002 | Chronic or Disabling Condition | $7.30 |
| Wellcare Sunshine Health Dual Align UnityH1032-250 | Dual-Eligible | $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 Okeechobee use Medicare Advantage?
5,758 of the county's 9,289 people with Medicare were in a Medicare Advantage plan in September 2026, 62.0%; 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