Plan year 2027 · Medicare AdvantageCMS files of Sept. 22 and Oct. 1, 2026
Freedom Medi-Medi Full, 2027
H5427Contract087Plan
HMO D-SNP · special needs plan, dual-eligible · 1 county in Florida
Run by Freedom Health, Inc. (contract H5427), sold as Freedom Health, Inc., owned by Elevance Health, Inc.
Freedom Medi-Medi Full (H5427-087) costs $0 a month in 2027, the same as in 2026, with an in-network out-of-pocket limit of $500. It takes in the members of H5594-017. Some of its 2026 members move to H5431-026, H5471-135, H5594-017 instead (CMS crosswalk).
What changes from 2026 to 2027?
| What you pay or get | 2026 | 2027 | Change |
|---|---|---|---|
| Drug deductible | $615 | $105 | ▼down $510 |
| Over-the-counter items, yearly | $1,560 a year | $600 a year | ▼down $960 |
| Counties served | 24 | 1 | ▼down 23 |
| Drug tier 4, specialty tier | 25% of the cost | 32% of the cost | ▲up 7 points |
| 16 lines do not change | |||
| Monthly premium | $0 | $0 | no change |
| In-network out-of-pocket limit | $500 | $500 | no change |
| Part B premium reduction, monthly | none | none | no change |
| Primary care visit | $0 copay | $0 copay | no change |
| Specialist visit | $0 copay | $0 copay | no change |
| Emergency room | $0 copay | $0 copay | no change |
| Medical deductible, in network | none | none | no change |
| Hospital stay, in network | $0 a stay | $0 a stay | no change |
| Skilled nursing facility, in network | $0 a day for days 1–100 | $0 a day for days 1–100 | no change |
| Ground ambulance, in network | $0 copay | $0 copay | no change |
| Comprehensive dental, yearly limit | not offered | not offered | no change |
| Eyewear, yearly limit | $400 a year | $400 a year | no change |
| Hearing aids, yearly limit for both ears | $1,000 a year | $1,000 a year | no change |
| Drug tier 1, preferred generic | $0 | $0 | no change |
| Drug tier 2, preferred brand | 25% of the cost | 25% of the cost | no change |
| Drug tier 3, non-preferred drug | 25% of the cost | 25% of the cost | 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?
| Tier | What the tier holds | 2026 | 2027 |
|---|---|---|---|
| Tier 1 | Preferred Generic | $0 | $0 |
| Tier 2 | Preferred Brand | 25% of the cost | 25% of the cost |
| Tier 3 | Non-Preferred Drug | 25% of the cost | 25% of the cost |
| Tier 4 | Specialty Tier | 25% of the cost | 32% 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, 19 dual-eligible special needs plans are sold for 2027, this one included. Against the others, 2 the same, 16 a higher one. On the premium, 16 the same, 2 a higher one.
Out-of-pocket limits of the 19 dual-eligible special needs 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 $500.
Florida
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).
Where do its 2026 members go?
The CMS crosswalk moves the members of the 2026 plan into 4 plans for 2027. It names the plans but not which member goes to which; the counties show where each 2027 plan is sold, and the plan's Annual Notice of Change says which one is yours.
| 2027 plan | Sold in | Members in those counties, Sept. 2026 | Premium 2027 | Limit 2027 |
|---|---|---|---|---|
| Stays in this plan | 1 of its 24 2026 counties, in Florida | 54 | $0 | $500 |
| HealthSun MediSun Full Dual ExtraH5431-026 | 2 of its 24 2026 counties, in Florida | 13 | $0 | $3,450 |
| Simply Integrated PlatinumH5471-135 | 20 of its 24 2026 counties, in Florida | 1,302 | $0 | $500 |
| Optimum Emerald FullH5594-017 | 1 of its 24 2026 counties, in Florida | 15 | $7.30 | $500 |
Source: CMS plan crosswalk from 2026 to 2027 (Oct. 1, 2026); CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision); CMS monthly enrollment by plan and by county, September 2026 (CMS hides counts under 11).
Which 2026 plans move into it, and what changes for their members?
For 2027 this plan takes in the members of 1 other plan, beside its own 1,396 members. In 2027 it costs $0 a month with a $500 limit; each row compares that with the plan its members had in 2026.
| 2026 plan | Members, Sept. 2026 | Members who move | Premium 2026 | Premium change | Limit 2026 | Limit change |
|---|---|---|---|---|---|---|
| Optimum Emerald FullH5594-017 | 1,078 | fewer than 11 a county | $0 | no change | $500 | no change |
Only the members of Optimum Emerald Full (H5594-017) who live in the 1 county where this plan is sold move into it (0 of its 1,078 members); in its other 23 counties the plan ends and members choose a new one. What happens where.
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). Each moving plan's own page lists every line that changes for its members.
Who runs this plan?
- Plan ID
- H5427-087
- Legal name of the contract
- Freedom Health, Inc.
- Sold as
- Freedom Health, Inc.
- Parent company
- Elevance Health, Inc.
- Plan type
- HMO D-SNP
- 2026 star rating of the contract
- 4.5 of 5 overall; health plan 5 of 5, drug plan 4.5 of 5
- Members, September 2026
- 1,396
- Plan website, as filed with CMS
- www.FreedomHealth.com
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 Orange, FLWhere most of its members live; premiums and limits side by side
- Every Freedom Health, Inc. plan for 2027Its contracts, counties and plans that end
- The other 24 plans of contract H5427Same 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.