Plan year 2027 · Medicare AdvantageCMS files of Sept. 22 and Oct. 1, 2026

Health First Emerald Plus, 2027

H1099Contract026Plan

HMO · 1 county in Florida

Run by Health First Health Plans (contract H1099), sold as Health First Health Plans, Inc., owned by Health First Shared Services, Inc.

Renews for 2027

2026 star rating, contract H1099: 4.5 of 5

Health First Emerald Plus (H1099-026) costs $0 a month in 2027, the same as in 2026, with an in-network out-of-pocket limit of $4,700 ($4,150 in 2026).

What changes from 2026 to 2027?

The changed lines are marked and come first. In-network amounts; members keep paying the Part B premium unless the plan reduces it.
What you pay or get	2026	2027	Change
In-network out-of-pocket limit	$4,150	$4,700	up $550
Drug deductible	$350	$700	up $350
Part B premium reduction, monthly	$153	$143	down $10
Specialist visit	$20 copay	$35 copay	up $15
Emergency room	$150 copay	$130 copay	down $20
Hospital stay, in network	$200 a day for days 1–8, then $0 a day for days 9–90	$250 a day for days 1–8, then $0 a day for days 9–90	up $250for a 5-day stay
Eyewear, yearly limit	$200 a year	$150 a year	down $50
Hearing aids, yearly limit for both ears	$500 a year	not offered	dropped
Over-the-counter items, yearly	$160 a year	not offered	dropped
Drug tier 4, non-preferred drug	25% of the cost	31% of the cost	up 6 points
Drug tier 5, specialty tier	28% of the cost	25% of the cost	down 3 points
10 lines do not change
Monthly premium	$0	$0	no change
Primary care visit	$0 copay	$0 copay	no change
Medical deductible, in network	none	none	no change
Skilled nursing facility, in network	$0 a day for days 1–20, then $180 a day for days 21–100	$0 a day for days 1–20, then $180 a day for days 21–100	no change
Ground ambulance, in network	$260 copay	$260 copay	no change
Comprehensive dental, yearly limit	not offered	not offered	no change
Counties served	1	1	no change
Drug tier 1, preferred generic	$0	$0	no change
Drug tier 2, generic	$10	$10	no change
Drug tier 3, preferred brand	$47	$47	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; CMS plan crosswalk from 2026 to 2027 (Oct. 1, 2026). Plan details can change during the year; confirm on Medicare Plan Finder.

What will prescriptions cost?

Your share for a 30-day supply at a retail pharmacy, as filed with CMS; tiers whose share changes are marked. The plan charges less at its preferred pharmacies
Tier	What the tier holds	2026, standard pharmacy	2027, standard pharmacy	2027, preferred pharmacy
Tier 1	Preferred Generic	$0	$0	$0
Tier 2	Generic	$10	$10	$5
Tier 3	Preferred Brand	$47	$47	$42
Tier 4	Non-Preferred Drug	25% of the cost	31% of the cost	31% of the cost
Tier 5	Specialty Tier	28% of the cost	25% of the cost	25% of the cost

Source: CMS plan benefit package files, 2027 and 2026. Insulin is capped at $35 a month by law. A drug's tier is set by the plan's formulary.

How does it compare with plans sold where it is?

In the counties it serves, 43 plans open to everyone are sold for 2027, this one included. Against the others, 20 plans have a lower out-of-pocket limit, 1 the same, 21 a higher one. On the premium, 36 the same, 6 a higher one.

Out-of-pocket limits of the 43 plans open to everyone

$0 to under $2,0002 plans

$2,000 to under $4,0009 plans

$4,000 to under $6,000 (this plan)15 plans

$6,000 to under $8,00012 plans

$8,000 to $10,0005 plans

Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).

Where is it sold, and what does it cost there?

The premium and the out-of-pocket limit are the same in all 1 county: $0 a month and $4,700.

Florida

Indian River

Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).

Who runs this plan?

Plan ID: H1099-026
Legal name of the contract: Health First Health Plans
Sold as: Health First Health Plans, Inc.
Parent company: Health First Shared Services, Inc.
Plan type: HMO
2026 star rating of the contract: 4.5 of 5 overall; health plan 4.5 of 5, drug plan 3.5 of 5
Members, September 2026: 182
Plan website, as filed with CMS: hf.org/healthplans

Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision); CMS 2026 Star Ratings (October 2025); CMS monthly enrollment by plan and by county, September 2026 (CMS hides counts under 11). CMS publishes the 2027 Star Ratings in October 2026.

What else should you check?

Other 2027 plans in Indian River, FLWhere most of its members live; premiums and limits side by side
Every Health First Health Plans, Inc. plan for 2027Its contracts, counties and plans that end
The other 6 plans of contract H1099Same company, same contract
Is your prescription covered?Coverage share and tier for 2,259 drugs

Data, not advice. These are the plan's filed amounts, not a quote for you; confirm on Medicare Plan Finder or call the plan before you enroll.