Medicare Advantage plans in Sumter, FL, 2027
Sumter, Florida has 48 Medicare Advantage plans open to everyone for 2027 (52 in 2026) and 58 special needs plans, according to the CMS landscape files; 42 of the open plans have a $0 premium. 10 plans that served the county in 2026 end or leave it, with 2,215 members living here in September 2026.
What changes in Sumter for 2027?
| In the county | 2026 | 2027 | Change |
|---|---|---|---|
| Plans open to everyone | 52 | 48 | ▼down 4 |
| Special needs plans | 55 | 58 | ▲up 3 |
| Plans with a $0 premium | 46 | 42 | ▼down 4 |
| Plans that lower the Part B premium | 32 | 23 | ▼down 9 |
| Median out-of-pocket limit | $4,850 | $4,800 | ▼down $50 |
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 Sumter join?
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| CareOne PlusH1019-057 · HMO-POS | $0 | $2,000 | $5 | 4.5 of 5 |
| Freedom Platinum Plan RxH5427-094 · HMO | $0 | $2,000 | none | 4.5 of 5 |
| HealthSpring PreferredH5410-024 · HMO | $0 | $2,250 | $5 | 3.5 of 5 |
| Humana Gold PlusH1036-146 · HMO | $0 | $2,400 | none | 4.5 of 5 |
| Humana CommunityH1036-332 · HMO | $0 | $2,400 | none | 4.5 of 5 |
| CareOne Plus LocalH1019-155 · HMO-POS | $0 | $2,500 | none | 4.5 of 5 |
| BlueMedicare PremierH1035-043 · HMO | $0 | $2,700 | none | 4 of 5 |
| UHC The Villages Medicare Advantage FL-0004H1045-025 · HMO-POS | $0 | $2,700 | none | 4.5 of 5 |
| UHC The Villages Medicare Advantage FL-004PH1045-056 · HMO-POS | $0 | $2,900 | $15 | 4.5 of 5 |
| Aetna Medicare Select ExtraH1609-100 · HMO | $0 | $2,900 | none | 4.5 of 5 |
| Wellcare SimpleH1032-194 · HMO-POS | $0 | $3,000 | none | 4 of 5 |
| Humana Gold Plus GivebackH1036-269 · HMO | $0 | $3,200 | $156.30 | 4.5 of 5 |
| Premier by UltimateH2962-028 · HMO | $0 | $3,200 | $202.90 | 4 of 5 |
| CareFree Platinum GivebackH1019-138 · HMO | $0 | $3,300 | $170 | 4.5 of 5 |
| Freedom Platinum Rewards Plan RxH5427-096 · HMO | $0 | $3,400 | $202.90 | 4.5 of 5 |
| CareFree GivebackH1019-149 · HMO | $0 | $3,850 | $124 | 4.5 of 5 |
| Devoted Core 060 FLH1290-060 · HMO | $0 | $3,900 | none | 5 of 5 |
| Aetna Medicare SelectH1609-086 · HMO | $0 | $3,900 | none | 4.5 of 5 |
| Devoted Core 027 FLH1290-027 · HMO | $0 | $3,950 | none | 5 of 5 |
| CareAccessH1019-144 · HMO | $0 | $4,000 | none | 4.5 of 5 |
Show the other 28 plans, by premium
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| CareSaluteH1019-132 · HMO | $0 | $4,150 | $125 | 4.5 of 5 |
| Freedom Savings PlanH5427-052 · HMO | $0 | $4,450 | $75 | 4.5 of 5 |
| Optimum Gold Rewards PlanH5594-026 · HMO | $0 | $4,450 | none | 4.5 of 5 |
| Devoted Giveback Extras 108 FLH1290-108 · HMO | $0 | $5,150 | $70 | 5 of 5 |
| Humana Value ChoiceH5216-072 · PPO | $0 | $5,600 | $3.40 | 3.5 of 5 |
| AARP Medicare Advantage from UHC FL-0024H2406-016 · PPO | $0 | $5,900 | none | 4 of 5 |
| HumanaChoice FloridaH5216-074 · PPO | $0 | $5,900 | none | 3.5 of 5 |
| BlueMedicare ValueH5434-036 · PPO | $0 | $5,900 | none | 3.5 of 5 |
| Aetna Medicare Signature LegacyH5521-271 · PPO | $0 | $5,900 | none | 4.5 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 PatriotH5434-038 · PPO | $0 | $6,750 | $150 | 3.5 of 5 |
| Humana USAA Honor GivebackH7617-108 · PPO | $0 | $6,750 | $182 | 4.5 of 5 |
| AARP Medicare Advantage Giveback from UHC FL-40H1045-071 · HMO-POS | $0 | $7,150 | $150 | 4.5 of 5 |
| Devoted Giveback 035 FLH1290-035 · HMO | $0 | $7,150 | $202 | 5 of 5 |
| Aetna Medicare Eagle GivebackH5521-306 · PPO | $0 | $7,150 | $120 | 4.5 of 5 |
| Aetna Medicare SignatureH5521-439 · PPO | $0 | $7,150 | none | 4.5 of 5 |
| Humana Essentials Plus GivebackH7617-126 · PPO | $0 | $7,150 | $92 | 4.5 of 5 |
| Wellcare GivebackH1032-193 · HMO-POS | $0 | $7,200 | $94 | 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 |
| Devoted Premium 044 FLH1290-044 · HMO | $7.30 | $3,900 | none | 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 |
| 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 Sumter 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 | 1,040 | Not offered |
| Humana Full Access GivebackH7617-111 | 552 | Not offered |
| HumanaChoice FloridaH7617-109 | 296 | Not offered |
| HumanaChoice FloridaH7284-001 | 117 | Not offered |
| Humana Direct Choice GivebackH7617-112 | 89 | Not offered |
| Humana Direct Choice GivebackH5216-452 | 57 | Not offered |
| HealthSpring Preferred SavingsH5410-026 | 53 | Not offered |
| Aetna Medicare SignatureH5521-033 | 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 |
|---|---|---|
| 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 |
| Freedom VIP CareH5427-070 | Chronic or Disabling Condition | $0 |
| CareCompleteH1019-150 | Chronic or Disabling Condition | $0 |
| CareBreeze PlatinumH1019-151 | Chronic or Disabling Condition | $0 |
| CareBreezeH1019-154 | Chronic or Disabling Condition | $0 |
| Premier CareH9917-007 | Institutional | $0 |
| CareComplete PlatinumH1019-147 | Chronic or Disabling Condition | $0 |
| Advantage Care by UltimateH2962-029 | Chronic or Disabling Condition | $0 |
| Humana Community HMO Diabetes and HeartH1036-342 | Chronic or Disabling Condition | $0 |
| Advantage Care COPD by UltimateH2962-023 | Chronic or Disabling Condition | $0 |
| Gold Heart & DiabetesH1526-001 | Chronic or Disabling Condition | $0 |
| BlueMedicare FocusH1035-055 | Chronic or Disabling Condition | $0 |
| CareComplete LocalH1019-156 | Chronic or Disabling Condition | $0 |
| Wellcare Sunshine Health Dual ReserveH1032-202 | Dual-Eligible | $0 |
| Humana Gold Plus: Diabetes and HeartH1036-300 | Chronic or Disabling Condition | $0 |
Show the other 38 special needs plans
| Plan | Who can join | Premium |
|---|---|---|
| Humana Gold Plus LungH1036-313 | Chronic or Disabling Condition | $0 |
| CareNeeds PlusH1019-073 | Dual-Eligible | $0 |
| CareNeeds PlatinumH1019-146 | Dual-Eligible | $0 |
| Humana Dual SelectH1036-213 | Dual-Eligible | $0 |
| Humana Fully IntegratedH1036-280 | Dual-Eligible | $0 |
| Humana Dual SelectH1036-314 | Dual-Eligible | $0 |
| Gold Dialysis & KidneyH1526-003 | Chronic or Disabling Condition | $0 |
| Freedom VIP SavingsH5427-072 | Chronic or Disabling Condition | $0 |
| Freedom VIP Savings COPDH5427-077 | 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 |
| Aetna Medicare Chronic CareH1609-085 | Chronic or Disabling Condition | $0 |
| Devoted Dual 033 FLH1290-033 | Dual-Eligible | $0 |
| Devoted C-SNP Enhanced 070 FLH1290-070 | Chronic or Disabling Condition | $0 |
| Humana Dual SelectH5216-394 | Dual-Eligible | $0 |
| Optimum Diamond SavingsH5594-030 | Chronic or Disabling Condition | $0 |
| Optimum Diamond Savings COPDH5594-031 | Chronic or Disabling Condition | $0 |
| Wellcare Sunshine Health Dual AlignH1032-246 | Dual-Eligible | $0 |
| Wellcare Sunshine Health Dual AccessH1032-248 | Dual-Eligible | $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 |
| Devoted Dual Qmb 052 FLH1290-052 | Dual-Eligible | $0 |
| Devoted C-SNP Plus 091 FLH1290-091 | Chronic or Disabling Condition | $0 |
| Devoted Dual Full 101 FLH1290-101 | Dual-Eligible | $0 |
| Aetna Medicare Partial Dual SelectH1609-046 | Dual-Eligible | $0 |
| Aetna Medicare Full Dual SelectH1609-089 | 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 |
| Senior CareH9917-006 | Institutional | $2.10 |
| Gold Dialysis & Kidney CompleteH1526-004 | Chronic or Disabling Condition | $7.30 |
| Gold Heart & Diabetes CompleteH1526-002 | Chronic or Disabling Condition | $7.30 |
| Longevity Health PlanH1644-001 | Institutional | $7.30 |
| UHC Dual Complete FL-Y7H1889-026 | Dual-Eligible | $7.30 |
| HealthSpring TotalCare PlusH5410-025 | Dual-Eligible | $7.30 |
| HealthSpring TotalCareH5410-046 | 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 Sumter use Medicare Advantage?
51,146 of the county's 89,600 people with Medicare were in a Medicare Advantage plan in September 2026, 57.1%; 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