Medicare plans
Hernando County, FL
93 Medicare Advantage plans and 11 drug-only plans are offered in Hernando County, FL for 2027. 80 of the Advantage plans have a $0 monthly premium.
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Data only, not plan advice. Confirm on Medicare.gov Plan Finder or 1-800-MEDICARE.
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Plans by type
| Type | Plans |
|---|---|
| Advantage without drug coverage | 10 |
| Advantage with drugs | 83 |
| Drug only | 11 |
| All plans | 104 |
53 of these are Special Needs Plans (SNPs), open only to people who qualify: 29 D-SNP for people with both Medicare and Medicaid, 19 C-SNP for people with certain chronic conditions and 5 I-SNP for people who live in a nursing home or need that level of care at home. The 11 drug-only plans are listed for all of Florida.
Source: CMS Medicare Advantage and Part D landscape files, as of September 30, 2026. Publisher page
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Premiums and out-of-pocket limits
| Measure | 2027 |
|---|---|
| Advantage monthly premium | $0 to $161 |
| Advantage plans at $0 | 80 |
| Advantage out-of-pocket maximum (in network) | $500 to $9,850 |
| Drug-only monthly premium | $5.30 to $326 |
Source: CMS Medicare Advantage and Part D landscape files, as of September 30, 2026. Publisher page
Star Ratings
| Overall rating | Advantage plans |
|---|---|
| 2.5 stars | 5 |
| 3 stars | 6 |
| 3.5 stars | 14 |
| 4 stars | 35 |
| 4.5 stars | 28 |
| 5 stars | 2 |
| Not enough data | 3 |
65 Advantage plans in Hernando County, FL have an overall rating of 4 stars or more.
Source: CMS 2027 Medicare Part C and D Star Ratings, as of October 8, 2026. Publisher page
Source: CMS Medicare Advantage and Part D landscape files, as of September 30, 2026. Publisher page
Change from 2026
Hernando County, FL has 93 Advantage plans in 2027, 13 fewer than 2026 (106). 13 plans are new to the county and 26 plans offered here in 2026 are gone. $0 plans go from 81 to 80.
| Advantage plans | 2026 | 2027 |
|---|---|---|
| Offered in the county | 106 | 93 |
| At a $0 premium | 81 | 80 |
| New for 2027 | 13 | |
| Offered in 2026, gone in 2027 | 26 |
Offered here in 2026, not in 2027
- Wellcare Patriot Giveback (HMO) (H1032-239, Centene Corporation)
- Wellcare Dual Access Sync (HMO D-SNP) (H1032-244, Centene Corporation)
- Wellcare Sunshine Health Dual Align (HMO D-SNP) (H1032-245, Centene Corporation)
- AARP Medicare Advantage CareFlex from UHC FL-32 (HMO-POS) (H1045-057, UnitedHealth Group, Inc.)
- Health First Complete Care H1099-023 (HMO) (H1099-023, Health First Shared Services, Inc.)
- Health First Emerald Plus H1099-024 (HMO) (H1099-024, Health First Shared Services, Inc.)
- Health First Premier Access H1099-025 (HMO-POS) (H1099-025, Health First Shared Services, Inc.)
- Aetna Medicare Dual Select (HMO D-SNP) (H1609-019, CVS Health Corporation)
- UHC Dual Complete FL-Y5 (HMO-POS D-SNP) (H2509-003, UnitedHealth Group, Inc.)
- Advantage Care COPD by Ultimate (HMO C-SNP) (H2962-025, Ultimate Healthcare Holdings, LLC)
- HumanaChoice Florida H5216-304 (PPO) (H5216-304, Humana Inc.)
- Humana Full Access Giveback H5216-393 (PPO) (H5216-393, Humana Inc.)
- Humana Direct Choice Giveback (PPO) (H5216-452, Humana Inc.)
- Humana USAA Honor Giveback (PPO) (H5216-467, Humana Inc.)
- Freedom Medi-Medi Full (HMO D-SNP) (H5427-087, Elevance Health, Inc.)
- Simply Level (HMO C-SNP) (H5471-075, Elevance Health, Inc.)
- Simply More (HMO) (H5471-078, Elevance Health, Inc.)
- Simply Complete (HMO D-SNP) (H5471-082, Elevance Health, Inc.)
- Simply Extra Platinum (HMO) (H5471-117, Elevance Health, Inc.)
- Simply Level Platinum (HMO C-SNP) (H5471-119, Elevance Health, Inc.)
- Simply Integrated (HMO D-SNP) (H5471-131, Elevance Health, Inc.)
- Aetna Medicare Signature (PPO) (H5521-033, CVS Health Corporation)
- Optimum Emerald Full (HMO D-SNP) (H5594-017, Elevance Health, Inc.)
- HumanaChoice Florida H7617-109 (PPO) (H7617-109, Humana Inc.)
- Humana Full Access Giveback H7617-111 (PPO) (H7617-111, Humana Inc.)
- Humana Direct Choice Giveback (PPO) (H7617-112, Humana Inc.)
Source: CMS Medicare Advantage and Part D landscape files, as of September 30, 2026. Publisher page
Source: CMS CY2026 Medicare Advantage and Part D landscape file, as of September 25, 2025. Publisher page
Plans by parent organization
| Parent organization | Advantage | Drug only | Total |
|---|---|---|---|
| Centene Corporation | 5 | 2 | 7 |
| Chapters CareNu Inc | 3 | 0 | 3 |
| CVS Health Corporation | 8 | 1 | 9 |
| Devoted Health, Inc. | 10 | 0 | 10 |
| Elevance Health, Inc. | 14 | 0 | 14 |
| Gold Kidney Health Plan | 5 | 0 | 5 |
| Guidewell Mutual Holding Corporation | 6 | 2 | 8 |
| Health Care Service Corporation | 3 | 1 | 4 |
| Humana Inc. | 19 | 3 | 22 |
| Longevity Health Founders, LLC | 1 | 0 | 1 |
| Ultimate Healthcare Holdings, LLC | 5 | 0 | 5 |
| UnitedHealth Group, Inc. | 14 | 2 | 16 |
Source: CMS Medicare Advantage and Part D landscape files, as of September 30, 2026. Publisher page
Every 2027 plan in Hernando County, FL
104 plans, by plan name. Select a column to sort. Plan types: HMO (health maintenance organization) means you generally must use the plan's network of doctors and hospitals, except in an emergency; HMO-POS is an HMO with a point-of-service option that may cover some care outside the network, usually at a higher cost; PPO (preferred provider organization) means you can see doctors outside the network, usually at a higher cost; and a Regional PPO is a PPO offered across a whole CMS region of one or more states.
| Plan ↑ | Type | Premium | Out-of-pocket max | Drug deductible | Stars |
|---|---|---|---|---|---|
| HealthSpring TotalCare (HMO D-SNP)H5410-046-000 · Health Care Service Corporation | Advantage with drugsHMO D-SNP | $7.30 | $9,850 | $700 | 3 |
| HealthSpring TotalCare Plus (HMO D-SNP)H5410-032-000 · Health Care Service Corporation | Advantage with drugsHMO D-SNP | $7.30 | $9,850 | $700 | 3 |
| Humana Basic Rx Plan (PDP)S5884-105-000 · Humana Inc. | Drug onlyPDP | $90.30 | n/a | $700 | 4.5 |
| Humana Dual Integrated (HMO D-SNP)H1036-340-000 · Humana Inc. | Advantage with drugsHMO D-SNP | $0 | $9,850 | $700 | 4.5 |
| Humana Dual Integrated (PPO D-SNP)H5216-480-000 · Humana Inc. | Advantage with drugsPPO D-SNP | $0 | $9,850 | $150 | 4 |
| Humana Dual Select H1036-102 (HMO D-SNP)H1036-102-000 · Humana Inc. | Advantage with drugsHMO D-SNP | $0 | $1,500 | $700 | 4.5 |
| Humana Dual Select H1036-314 (HMO D-SNP)H1036-314-000 · Humana Inc. | Advantage with drugsHMO D-SNP | $0 | $3,400 | $700 | 4.5 |
| Humana Dual Select H5216-394 (PPO D-SNP)H5216-394-000 · Humana Inc. | Advantage with drugsPPO D-SNP | $0 | $4,900 | $50 | 4 |
| Humana Essentials Plus Giveback (PPO)H7617-126-000 · Humana Inc. | Advantage with drugsPPO | $0 | $7,150 | $700 | 4.5 |
| Humana Fully Integrated H1036-280 (HMO D-SNP)H1036-280-000 · Humana Inc. | Advantage with drugsHMO D-SNP | $0 | $3,400 | $700 | 4.5 |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP)H1036-299-000 · Humana Inc. | Advantage with drugsHMO C-SNP | $0 | $2,000 | $700 | 4.5 |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP)H1036-338-000 · Humana Inc. | Advantage with drugsHMO C-SNP | $0 | $2,850 | $700 | 4.5 |
| Humana Gold Plus Giveback H1036-265 (HMO)H1036-265-001 · Humana Inc. | Advantage with drugsHMO | $0 | $2,400 | $0 | 4.5 |
| Humana Gold Plus H1036-025 (HMO)H1036-025-000 · Humana Inc. | Advantage with drugsHMO | $0 | $2,000 | $0 | 4.5 |
| Humana Gold Plus Lung (HMO C-SNP)H1036-312-000 · Humana Inc. | Advantage with drugsHMO C-SNP | $0 | $2,000 | $700 | 4.5 |
| Humana Premier Rx Plan (PDP)S5884-157-000 · Humana Inc. | Drug onlyPDP | $135.20 | n/a | $350 | 4.5 |
| Humana USAA Honor Giveback (HMO)H1036-119-000 · Humana Inc. | Advantage without drug coverageHMO | $0 | $3,900 | n/a | 4.5 |
| Humana USAA Honor Giveback (PPO)H5216-257-000 · Humana Inc. | Advantage without drug coveragePPO | $0 | $6,000 | n/a | 4 |
| Humana USAA Honor Giveback (PPO)H7617-108-000 · Humana Inc. | Advantage without drug coveragePPO | $0 | $6,750 | n/a | 4.5 |
| Humana Value Choice (PPO)H5216-072-000 · Humana Inc. | Advantage with drugsPPO | $0 | $5,600 | $700 | 4 |
| Humana Value Rx Plan (PDP)S5884-190-000 · Humana Inc. | Drug onlyPDP | $45.20 | n/a | $687 | 4.5 |
| HumanaChoice R5826-005 (Regional PPO)R5826-005-000 · Humana Inc. | Advantage with drugsRegional PPO | $161 | $6,700 | $700 | 4 |
| HumanaChoice R5826-018 (Regional PPO)R5826-018-000 · Humana Inc. | Advantage without drug coverageRegional PPO | $9 | $7,550 | n/a | 4 |
| HumanaChoice R5826-074 (Regional PPO)R5826-074-000 · Humana Inc. | Advantage with drugsRegional PPO | $35 | $7,550 | $700 | 4 |
| Longevity Health Plan (HMO I-SNP)H1644-001-000 · Longevity Health Founders, LLC | Advantage with drugsHMO I-SNP | $7.30 | $9,850 | $700 | 5 |
| Optimum Diamond (HMO C-SNP)H5594-036-000 · Elevance Health, Inc. | Advantage with drugsHMO C-SNP | $0 | $1,000 | $0 | 4.5 |
| Optimum Diamond Rewards (HMO C-SNP)H5594-028-000 · Elevance Health, Inc. | Advantage with drugsHMO C-SNP | $0 | $1,750 | $0 | 4.5 |
| Optimum Diamond Rewards COPD (HMO C-SNP)H5594-029-000 · Elevance Health, Inc. | Advantage with drugsHMO C-SNP | $0 | $1,750 | $0 | 4.5 |
| Optimum Emerald Partial (HMO D-SNP)H5594-016-000 · Elevance Health, Inc. | Advantage with drugsHMO D-SNP | $0 | $500 | $105 | 4.5 |
| Optimum Gold Plus Plan (HMO)H5594-032-000 · Elevance Health, Inc. | Advantage with drugsHMO | $0 | $1,900 | $0 | 4.5 |
| Optimum Gold Rewards Plan (HMO)H5594-001-000 · Elevance Health, Inc. | Advantage with drugsHMO | $0 | $1,900 | $0 | 4.5 |
| Optimum Platinum Plan (HMO)H5594-002-000 · Elevance Health, Inc. | Advantage with drugsHMO | $0 | $1,000 | $0 | 4.5 |
| Premier by Ultimate (HMO)H2962-001-000 · Ultimate Healthcare Holdings, LLC | Advantage with drugsHMO | $0 | $1,900 | $0 | 3.5 |
| SECUR Advantage (HMO I-SNP)H3048-001-000 · Chapters CareNu Inc | Advantage with drugsHMO I-SNP | $7.30 | $8,300 | $700 | Not enough data |
| SECUR Edge (HMO I-SNP)H3048-003-000 · Chapters CareNu Inc | Advantage with drugsHMO I-SNP | $0 | $3,400 | $700 | Not enough data |
| SECUR Enhanced (HMO I-SNP)H3048-002-000 · Chapters CareNu Inc | Advantage with drugsHMO I-SNP | $7.30 | $2,500 | $700 | Not enough data |
| SilverScript Choice (PDP)S5601-022-000 · CVS Health Corporation | Drug onlyPDP | $126 | n/a | $700 | 2.5 |
| Simply Complete Platinum (HMO D-SNP)H5471-118-000 · Elevance Health, Inc. | Advantage with drugsHMO D-SNP | $0 | $500 | $105 | 4 |
| Simply Integrated Platinum (HMO D-SNP)H5471-135-000 · Elevance Health, Inc. | Advantage with drugsHMO D-SNP | $0 | $500 | $105 | 4 |
| UHC Complete Care FL-14 (HMO-POS C-SNP)H1045-048-003 · UnitedHealth Group, Inc. | Advantage with drugsHMO-POS C-SNP | $0 | $3,400 | $405 | 4 |
| UHC Dual Complete FL-Q1 (PPO D-SNP)H1889-002-001 · UnitedHealth Group, Inc. | Advantage with drugsPPO D-SNP | $0 | $9,850 | $700 | 3.5 |
| UHC Dual Complete FL-Q3 (Regional PPO D-SNP)R0759-003-000 · UnitedHealth Group, Inc. | Advantage with drugsRegional PPO D-SNP | $0 | $9,850 | $700 | 3.5 |
| UHC Dual Complete FL-QV2 (HMO-POS D-SNP)H1045-039-000 · UnitedHealth Group, Inc. | Advantage with drugsHMO-POS D-SNP | $0 | $9,850 | $75 | 4 |
| UHC Dual Complete FL-Y5 (HMO-POS D-SNP)H1045-073-000 · UnitedHealth Group, Inc. | Advantage with drugsHMO-POS D-SNP | $0 | $9,850 | $75 | 4 |
| UHC Dual Complete FL-Y7 (PPO D-SNP)H1889-026-000 · UnitedHealth Group, Inc. | Advantage with drugsPPO D-SNP | $7.30 | $9,850 | $700 | 3.5 |
| UHC Dual Complete FL-YL (HMO-POS D-SNP)H2509-001-000 · UnitedHealth Group, Inc. | Advantage with drugsHMO-POS D-SNP | $0 | $9,850 | $700 | 3.5 |
| UHC Nursing Home Plan FL-F001 (PPO I-SNP)H0710-010-000 · UnitedHealth Group, Inc. | Advantage with drugsPPO I-SNP | $6.10 | $9,850 | $700 | 5 |
| Wellcare Classic (PDP)S4802-083-000 · Centene Corporation | Drug onlyPDP | $7.30 | n/a | $700 | 3 |
| Wellcare Giveback (HMO-POS)H1032-200-000 · Centene Corporation | Advantage with drugsHMO-POS | $0 | $7,200 | $700 | 4 |
| Wellcare Simple (HMO-POS)H1032-201-000 · Centene Corporation | Advantage with drugsHMO-POS | $0 | $2,700 | $700 | 4 |
Source: CMS Medicare Advantage and Part D landscape files, as of September 30, 2026. Publisher page
Source: CMS 2027 Medicare Part C and D Star Ratings, as of October 8, 2026. Publisher page
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Neighboring counties
Health data for Hernando County, FL
About this data
Plans, premiums, out-of-pocket maximums, and drug deductibles come from the CMS CY2027 Medicare Advantage and Part D landscape file. Change from 2026 compares it with the CY2026 landscape. Stars are the 2027 Star Ratings CMS released October 8, 2026: the overall rating for Advantage plans and the Part D summary rating for drug-only plans, which have no overall rating.
Advantage counts include Special Needs Plans (SNPs), which are open only to people who qualify: D-SNPs for people with both Medicare and Medicaid, C-SNPs for people with certain chronic conditions, and I-SNPs for people who live in a nursing home or need that level of care at home. Drug-only plans are listed by CMS for a whole state, so every county page shows them. Employer group plans are not in the file. This page lists plans; it does not say which plan fits anyone, and Rivvi does not sell plans.
Source: CMS Medicare Advantage and Part D landscape files, as of September 30, 2026. Publisher page
Source: CMS CY2026 Medicare Advantage and Part D landscape file, as of September 25, 2025. Publisher page
Source: CMS 2027 Medicare Part C and D Star Ratings, as of October 8, 2026. Publisher page