Medicare Advantage plans in St. Johns, FL, 2027
St. Johns, Florida has 38 Medicare Advantage plans open to everyone for 2027 (44 in 2026) and 32 special needs plans, according to the CMS landscape files; 32 of the open plans have a $0 premium. 9 plans that served the county in 2026 end or leave it, with 3,853 members living here in September 2026.
What changes in St. Johns for 2027?
| In the county | 2026 | 2027 | Change |
|---|---|---|---|
| Plans open to everyone | 44 | 38 | ▼down 6 |
| Special needs plans | 32 | 32 | no change |
| Plans with a $0 premium | 37 | 32 | ▼down 5 |
| Plans that lower the Part B premium | 23 | 17 | ▼down 6 |
| Median out-of-pocket limit | $6,750 | $6,750 | no change |
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 St. Johns join?
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| Wellcare SimpleH1032-205 · HMO-POS | $0 | $2,500 | none | 4 of 5 |
| CareOne PlusH1019-113 · HMO | $0 | $3,000 | $2 | 4.5 of 5 |
| Humana Gold PlusH1036-068 · HMO | $0 | $3,300 | $5.40 | 4.5 of 5 |
| CareFree Platinum GivebackH1019-094 · HMO | $0 | $3,750 | $124.50 | 4.5 of 5 |
| Humana Gold Plus GivebackH1036-270 · HMO | $0 | $3,900 | $100.20 | 4.5 of 5 |
| AARP Medicare Advantage from UHC FL-0005H1045-026 · HMO-POS | $0 | $3,900 | none | 4.5 of 5 |
| Aetna Medicare SelectH1609-021 · HMO | $0 | $3,900 | none | 4.5 of 5 |
| CareAccessH1019-144 · HMO | $0 | $4,000 | none | 4.5 of 5 |
| CareSaluteH1019-132 · HMO | $0 | $4,150 | $125 | 4.5 of 5 |
| Devoted Core 059 FLH1290-059 · HMO | $0 | $4,800 | none | 5 of 5 |
| Devoted Core 029 FLH1290-029 · HMO | $0 | $4,950 | none | 5 of 5 |
| Devoted Giveback Extras 107 FLH1290-107 · HMO | $0 | $5,800 | $70 | 5 of 5 |
| Humana USAA Honor GivebackH5216-257 · PPO | $0 | $6,000 | $60 | 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 PatriotH5434-041 · PPO | $0 | $6,750 | $100 | 3.5 of 5 |
| Aetna Medicare Signature LegacyH5521-269 · PPO | $0 | $6,750 | none | 4.5 of 5 |
| Humana USAA Honor GivebackH7617-108 · PPO | $0 | $6,750 | $182 | 4.5 of 5 |
| FHCP Medicare ClassicH1035-040 · HMO | $0 | $7,150 | none | 4 of 5 |
| AARP Medicare Advantage CareFlex from UHC FL-37H1045-067 · HMO-POS | $0 | $7,150 | none | 4.5 of 5 |
Show the other 18 plans, by premium
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| AARP Medicare Advantage Giveback from UHC FL-40H1045-071 · HMO-POS | $0 | $7,150 | $150 | 4.5 of 5 |
| AARP Medicare Advantage from UHC FL-0021H2406-013 · PPO | $0 | $7,150 | none | 4 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 Signature ExtraH5521-434 · PPO | $0 | $7,150 | none | 4.5 of 5 |
| Aetna Medicare SignatureH5521-705 · PPO | $0 | $7,150 | none | 4.5 of 5 |
| Humana Essentials Plus GivebackH7617-126 · PPO | $0 | $7,150 | $92 | 4.5 of 5 |
| Wellcare GivebackH1032-204 · HMO-POS | $0 | $7,200 | $74 | 4 of 5 |
| Devoted Giveback 031 FLH1290-031 · HMO | $0 | $7,750 | $202 | 5 of 5 |
| BlueMedicare ValueH5434-031 · PPO | $0 | $7,900 | none | 3.5 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 |
| HumanaChoiceR5826-018 · Regional PPO | $9 | $7,550 | none | 3.5 of 5 |
| HumanaChoiceR5826-074 · Regional PPO | $35 | $7,550 | none | 3.5 of 5 |
| HumanaChoice FloridaH7284-009 · PPO | $38.90 | $6,750 | none | 3.5 of 5 |
| Aetna Medicare PremierH5521-706 · PPO | $100 | $7,150 | none | 4.5 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 St. Johns 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 | 2,562 | Not offered |
| Humana Full Access GivebackH7617-111 | 1,003 | Not offered |
| Aetna Medicare Select ExtraH1609-028 | 112 | Leaves the county |
| Aetna Medicare SignatureH5521-033 | 84 | Leaves the county |
| Simply ExtraH5471-112 | 37 | Not offered |
| Simply MoreH5471-110 | 27 | Not offered |
| FHCP Medicare Rx PlusH1035-002 | 16 | Leaves the county |
| Wellcare Patriot GivebackH1032-239 | 12 | 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 |
| CareCompleteH1019-150 | Chronic or Disabling Condition | $0 |
| CareBreezeH1019-154 | Chronic or Disabling Condition | $0 |
| Wellcare Sunshine Health Dual ReserveH1032-202 | Dual-Eligible | $0 |
| Humana Gold Plus: Diabetes and HeartH1036-302 | Chronic or Disabling Condition | $0 |
| Humana Gold Plus LungH1036-316 | Chronic or Disabling Condition | $0 |
| CareNeeds PlusH1019-073 | Dual-Eligible | $0 |
| CareNeeds PlatinumH1019-146 | Dual-Eligible | $0 |
| Humana Dual SelectH1036-210 | Dual-Eligible | $0 |
| Humana Dual SelectH1036-314 | Dual-Eligible | $0 |
| CareComplete PlatinumH1019-109 | Chronic or Disabling Condition | $0 |
| CareBreeze PlatinumH1019-118 | Chronic or Disabling Condition | $0 |
| Aetna Medicare Chronic CareH1609-084 | Chronic or Disabling Condition | $0 |
| Humana Dual SelectH5216-394 | Dual-Eligible | $0 |
| Devoted Dual 023 FLH1290-023 | Dual-Eligible | $0 |
| Devoted C-SNP Enhanced 071 FLH1290-071 | Chronic or Disabling Condition | $0 |
| Wellcare Sunshine Health Dual AlignH1032-247 | Dual-Eligible | $0 |
| Wellcare Sunshine Health Dual AccessH1032-249 | Dual-Eligible | $0 |
| Humana Dual IntegratedH1036-340 | Dual-Eligible | $0 |
Show the other 12 special needs plans
| Plan | Who can join | Premium |
|---|---|---|
| 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 083 FLH1290-083 | Dual-Eligible | $0 |
| Devoted C-SNP Plus 090 FLH1290-090 | Chronic or Disabling Condition | $0 |
| Aetna Medicare Partial Dual SelectH1609-045 | Dual-Eligible | $0 |
| Aetna Medicare Full Dual SelectH1609-074 | 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 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 St. Johns use Medicare Advantage?
30,992 of the county's 80,727 people with Medicare were in a Medicare Advantage plan in September 2026, 38.4%; 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