Medicare Advantage plans in Florence, WI, 2027
Florence, Wisconsin has 25 Medicare Advantage plans open to everyone for 2027 (29 in 2026) and 11 special needs plans, according to the CMS landscape files; 13 of the open plans have a $0 premium. 4 plans that served the county in 2026 end or leave it, each with fewer than 11 members living here (CMS hides smaller counts).
What changes in Florence for 2027?
| In the county | 2026 | 2027 | Change |
|---|---|---|---|
| Plans open to everyone | 29 | 25 | ▼down 4 |
| Special needs plans | 10 | 11 | ▲up 1 |
| Plans with a $0 premium | 18 | 13 | ▼down 5 |
| Plans that lower the Part B premium | 10 | 6 | ▼down 4 |
| Median out-of-pocket limit | $5,300 | $5,950 | ▲up $650 |
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 Florence join?
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| Network Health PrimeH1181-001 · MSA | $0 | not filed | none | not rated |
| Network Health SelectH5215-008 · PPO | $0 | $4,450 | none | 4.5 of 5 |
| Network Health ArmorH5215-013 · PPO | $0 | $4,900 | $55 | 4.5 of 5 |
| CompassH5211-003 · HMO | $0 | $5,000 | none | 4.5 of 5 |
| Network Health ChoiceH5215-011 · PPO | $0 | $5,100 | none | 4.5 of 5 |
| Aetna Medicare EagleH5521-286 · PPO | $0 | $5,200 | $70 | 4.5 of 5 |
| Aetna Medicare SignatureH5521-289 · PPO | $0 | $5,900 | none | 4.5 of 5 |
| Humana USAA Honor GivebackH5216-355 · PPO | $0 | $6,000 | $150 | 3.5 of 5 |
| Humana USAA Honor GivebackH7617-022 · PPO | $0 | $6,000 | $150 | 4.5 of 5 |
| Cooperative Medicare AdvantageH7598-004 · HMO | $0 | $6,700 | none | not rated (too little data) |
| Humana USAA Honor GivebackR5361-001 · Regional PPO | $0 | $6,750 | $30 | 3 of 5 |
| AARP Medicare Advantage Patriot No Rx WI-MA02H5253-021 · HMO-POS | $0 | $7,150 | $105 | 4 of 5 |
| AARP Medicare Advantage from UHC WI-0014H5253-034 · HMO-POS | $0 | $7,150 | none | 4 of 5 |
| Esteem RxH5211-012 · HMO | $20 | $7,150 | none | 4.5 of 5 |
| Aetna Medicare EnhancedH5521-388 · PPO | $37 | $5,500 | none | 4.5 of 5 |
| AARP Medicare Advantage from UHC WI-6H0294-015 · PPO | $56 | $7,150 | none | 3.5 of 5 |
| HumanaChoiceH7617-007 · PPO | $60 | $9,250 | none | 4.5 of 5 |
| Esteem Rx SilverH5211-014 · HMO-POS | $65 | $6,500 | none | 4.5 of 5 |
| AARP Medicare Advantage from UHC WI-0011H5253-011 · HMO-POS | $69 | $4,450 | none | 4 of 5 |
| HumanaChoiceR5361-002 · Regional PPO | $87 | $7,700 | none | 3 of 5 |
| AARP Medicare Advantage from UHC WI-0002H0294-004 · PPO | $99 | $7,150 | none | 3.5 of 5 |
| Network Health PlusRxH5215-002 · PPO | $105 | $3,400 | none | 4.5 of 5 |
| Esteem Rx GoldH5211-015 · HMO-POS | $125 | $5,000 | none | 4.5 of 5 |
| Network Health PremierRxH5215-005 · PPO | $257 | $3,400 | none | 4.5 of 5 |
| Legacy RxH5211-004 · HMO-POS | $300 | $3,000 | none | 4.5 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 Florence 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 |
|---|---|---|
| Essence RxH5211-002 | fewer than 11 | Not offered |
| AARP Medicare Advantage CareFlex from UHC WI-18H5253-198 | fewer than 11 | Not offered |
| Aspirus Health Plan Essential RxH6874-001 | fewer than 11 | Not offered |
| Aspirus Health Plan EliteH6874-003 | 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 |
|---|---|---|
| UHC Dual Advantage WI-V1H3794-004 | Dual-Eligible | $0 |
| UHC Complete Care WI-20H5253-202 | Chronic or Disabling Condition | $0 |
| UHC Complete Care WI-1H0294-002 | Chronic or Disabling Condition | $0 |
| UHC Dual Complete WI-Q1H3794-002 | Dual-Eligible | $0 |
| UHC Dual Complete WI-S1H3794-011 | Dual-Eligible | $0 |
| Molina My Choice Dual AdvantageH5209-006 | Dual-Eligible | $0 |
| HumanaChoice SNP-DEH5216-420 | Dual-Eligible | $0 |
| Cooperative AdvantageH7598-003 | Dual-Eligible | $0 |
| Anthem Full Dual AdvantageH9525-027 | Dual-Eligible | $0 |
| Anthem Dual Advantage PlusH9525-028 | Dual-Eligible | $0 |
| UHC Dual Advantage WI-V2H0294-027 | Dual-Eligible | $6.30 |
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 Florence use Medicare Advantage?
888 of the county's 1,833 people with Medicare were in a Medicare Advantage plan in September 2026, 48.5%; in Wisconsin as a whole the share is 57.3%.
Source: CMS Medicare Advantage state and county penetration, September 2026.
What else should you check?
- Medicare Advantage in WisconsinEvery county of the state
- 8 stand-alone drug plans in WisconsinIf you keep Original Medicare
- Is your plan ending?Every plan not offered in 2027