Medicare Advantage plans in St. Lucie, FL, 2027
St. Lucie, Florida has 35 Medicare Advantage plans open to everyone for 2027 (44 in 2026) and 46 special needs plans, according to the CMS landscape files; 31 of the open plans have a $0 premium. 15 plans that served the county in 2026 end or leave it, with 2,653 members living here in September 2026.
What changes in St. Lucie for 2027?
| In the county | 2026 | 2027 | Change |
|---|---|---|---|
| Plans open to everyone | 44 | 35 | ▼down 9 |
| Special needs plans | 47 | 46 | ▼down 1 |
| Plans with a $0 premium | 38 | 31 | ▼down 7 |
| Plans that lower the Part B premium | 20 | 17 | ▼down 3 |
| Median out-of-pocket limit | $6,700 | $6,700 | 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. Lucie join?
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| Freedom Platinum Plan RxH5427-088 · HMO | $0 | $1,750 | none | 4.5 of 5 |
| Premier by UltimateH2962-001 · HMO | $0 | $1,900 | $202.90 | 4 of 5 |
| Wellcare SimpleH1032-211 · HMO-POS | $0 | $3,000 | none | 4 of 5 |
| Freedom Platinum Rewards Plan RxH5427-106 · HMO | $0 | $3,400 | $150 | 4.5 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 |
| AARP Medicare Advantage from UHC FL-0006H1045-028 · HMO-POS | $0 | $3,800 | none | 4.5 of 5 |
| Aetna Medicare SelectH1609-021 · HMO | $0 | $3,900 | none | 4.5 of 5 |
| Aetna Medicare SelectH1609-063 · HMO | $0 | $3,900 | 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 |
| Freedom Savings PlanH5427-052 · HMO | $0 | $4,450 | $75 | 4.5 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 |
| Humana Gold Plus Reach GivebackH1036-286 · HMO | $0 | $5,500 | $113 | 4.5 of 5 |
| Devoted Giveback Extras 116 FLH1290-116 · HMO | $0 | $5,700 | $70 | 5 of 5 |
| BlueMedicare ClassicH1035-019 · HMO | $0 | $6,750 | none | 4 of 5 |
| BlueMedicare PatriotH5434-044 · PPO | $0 | $6,750 | $135 | 3.5 of 5 |
| Humana USAA Honor GivebackH7617-108 · PPO | $0 | $6,750 | $182 | 4.5 of 5 |
Show the other 15 plans, by premium
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| 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 |
| Aetna Medicare Eagle GivebackH5521-306 · PPO | $0 | $7,150 | $120 | 4.5 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 GivebackH1032-210 · HMO-POS | $0 | $7,200 | $143 | 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 |
| BlueMedicare ValueH5434-026 · PPO | $0 | $9,250 | none | 3.5 of 5 |
| AARP Medicare Advantage Patriot No Rx FL-MA01R0759-002 · Regional PPO | $0 | $9,250 | $27 | 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 |
| 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. Lucie 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 |
|---|---|---|
| Aetna Medicare SignatureH5521-273 | 930 | Not offered |
| Aetna Medicare SignatureH5521-432 | 787 | Not offered |
| BlueMedicare PremierH1035-048 | 244 | Leaves the county |
| HumanaChoice Florida SNP-DEH7617-113 | 156 | Not offered |
| Aetna Medicare Signature ExtraH5521-704 | 118 | Not offered |
| Aetna Medicare SignatureH5521-033 | 107 | Leaves the county |
| HealthSpring PreferredH5410-060 | 91 | Not offered |
| Aetna Medicare Select ExtraH1609-028 | 59 | Leaves the county |
| AARP Medicare Advantage CareFlex from UHC FL-35H1045-060 | 51 | Not offered |
| BlueMedicare SelectH5434-002 | 30 | Leaves the county |
| Aetna Medicare PremierH5521-688 | 30 | Not offered |
| Humana USAA Honor GivebackH5216-467 | 23 | Not offered |
| Wellcare Patriot GivebackH1032-239 | 14 | Not offered |
| HealthSpring TotalCareH5410-055 | 13 | Not offered |
| HealthSpring TotalCare PlusH5410-047 | 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 |
|---|---|---|
| Advantage Plus by Ultimate (Full)H2962-035 | Dual-Eligible | $0 |
| Advantage Plus by Ultimate (Partial)H2962-036 | Dual-Eligible | $0 |
| 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 |
| Advantage Care COPD by UltimateH2962-023 | Chronic or Disabling Condition | $0 |
| Gold Heart & DiabetesH1526-001 | Chronic or Disabling Condition | $0 |
| Advantage Care by UltimateH2962-033 | Chronic or Disabling Condition | $0 |
| Humana Gold Plus: Diabetes and HeartH1036-338 | Chronic or Disabling Condition | $0 |
| Wellcare Sunshine Health Dual ReserveH1032-202 | Dual-Eligible | $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 |
| Freedom VIP SavingsH5427-082 | Chronic or Disabling Condition | $0 |
| Freedom VIP Savings COPDH5427-083 | Chronic or Disabling Condition | $0 |
| Freedom VIP RewardsH5427-108 | 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 |
Show the other 26 special needs plans
| Plan | Who can join | Premium |
|---|---|---|
| UHC Complete Care FL-14H1045-048 | Chronic or Disabling Condition | $0 |
| Aetna Medicare Chronic CareH1609-101 | Chronic or Disabling Condition | $0 |
| Gold Heart & Diabetes PlusH1526-012 | Chronic or Disabling Condition | $0 |
| Humana Dual SelectH7284-010 | Dual-Eligible | $0 |
| Optimum Diamond SavingsH5594-030 | Chronic or Disabling Condition | $0 |
| Optimum Diamond Savings COPDH5594-031 | Chronic or Disabling Condition | $0 |
| Devoted Dual 039 FLH1290-039 | Dual-Eligible | $0 |
| Humana Dual SelectH1036-226 | Dual-Eligible | $0 |
| Wellcare Sunshine Health Dual AlignH1032-246 | Dual-Eligible | $0 |
| Wellcare Sunshine Health Dual AccessH1032-248 | Dual-Eligible | $0 |
| Humana Dual IntegratedH1036-339 | Dual-Eligible | $0 |
| 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 098 FLH1290-098 | Dual-Eligible | $0 |
| Aetna Medicare Partial Dual SelectH1609-062 | Dual-Eligible | $0 |
| Aetna Medicare Full Dual SelectH1609-092 | Dual-Eligible | $0 |
| UHC Dual Complete FL-Q1H1889-002 | Dual-Eligible | $0 |
| Humana Dual IntegratedH7284-013 | Dual-Eligible | $0 |
| UHC Dual Complete FL-Q3R0759-003 | Dual-Eligible | $0 |
| UHC Nursing Home Plan FL-F001H0710-010 | Institutional | $6.10 |
| 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 |
| 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 St. Lucie use Medicare Advantage?
57,868 of the county's 101,951 people with Medicare were in a Medicare Advantage plan in September 2026, 56.8%; 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