Medicare plans
Indian River County, FL
94 Medicare Advantage plans and 11 drug-only plans are offered in Indian River County, FL for 2027. 82 of the Advantage plans have a $0 monthly premium.
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Plans by type
| Type | Plans |
|---|---|
| Advantage without drug coverage | 10 |
| Advantage with drugs | 84 |
| Drug only | 11 |
| All plans | 105 |
51 of these are Special Needs Plans (SNPs), open only to people who qualify: 27 D-SNP for people with both Medicare and Medicaid, 20 C-SNP for people with certain chronic conditions and 4 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 | 82 |
| 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 | 5 |
| 3.5 stars | 12 |
| 4 stars | 51 |
| 4.5 stars | 19 |
| 5 stars | 2 |
72 Advantage plans in Indian River 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
Indian River County, FL has 94 Advantage plans in 2027, 2 fewer than 2026 (96). 15 plans are new to the county and 17 plans offered here in 2026 are gone. $0 plans go from 72 to 82.
| Advantage plans | 2026 | 2027 |
|---|---|---|
| Offered in the county | 96 | 94 |
| At a $0 premium | 72 | 82 |
| New for 2027 | 15 | |
| Offered in 2026, gone in 2027 | 17 |
Offered here in 2026, not in 2027
- CareNeeds Extra (HMO D-SNP) (H1019-153, Humana Inc.)
- 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-35 (HMO-POS) (H1045-060, UnitedHealth Group, Inc.)
- UHC Dual Complete FL-Y5 (HMO-POS D-SNP) (H2509-003, UnitedHealth Group, Inc.)
- Humana USAA Honor Giveback (PPO) (H5216-467, Humana Inc.)
- HealthSpring TotalCare Plus (HMO D-SNP) (H5410-047, Health Care Service Corporation)
- HealthSpring TotalCare (HMO D-SNP) (H5410-055, Health Care Service Corporation)
- HealthSpring Preferred (HMO) (H5410-060, Health Care Service Corporation)
- Freedom Medi-Medi Full (HMO D-SNP) (H5427-087, Elevance Health, Inc.)
- Simply Complete Platinum (HMO D-SNP) (H5471-142, Elevance Health, Inc.)
- Simply Integrated Platinum (HMO D-SNP) (H5471-143, Elevance Health, Inc.)
- Optimum Emerald Full (HMO D-SNP) (H5594-017, Elevance Health, Inc.)
- Optimum Diamond Rewards (HMO C-SNP) (H5594-034, Elevance Health, Inc.)
- Optimum Diamond Rewards COPD (HMO C-SNP) (H5594-035, Elevance Health, Inc.)
- HumanaChoice Florida SNP-DE H7617-113 (PPO D-SNP) (H7617-113, 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 | 6 | 2 | 8 |
| CVS Health Corporation | 5 | 1 | 6 |
| Devoted Health, Inc. | 8 | 0 | 8 |
| Elevance Health, Inc. | 12 | 0 | 12 |
| Gold Kidney Health Plan | 5 | 0 | 5 |
| Guidewell Mutual Holding Corporation | 2 | 2 | 4 |
| Health Care Service Corporation | 0 | 1 | 1 |
| Health First Shared Services, Inc. | 5 | 0 | 5 |
| Humana Inc. | 29 | 3 | 32 |
| Independent Living Systems, LLC | 3 | 0 | 3 |
| Longevity Health Founders, LLC | 1 | 0 | 1 |
| Ultimate Healthcare Holdings, LLC | 5 | 0 | 5 |
| UnitedHealth Group, Inc. | 13 | 2 | 15 |
Source: CMS Medicare Advantage and Part D landscape files, as of September 30, 2026. Publisher page
Every 2027 plan in Indian River County, FL
105 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 |
|---|---|---|---|---|---|
| AARP Medicare Advantage from UHC FL-001P (HMO-POS)H1045-036-000 · UnitedHealth Group, Inc. | Advantage with drugsHMO-POS | $0 | $3,500 | $405 | 4 |
| AARP Medicare Advantage from UHC FL-0006 (HMO-POS)H1045-028-000 · UnitedHealth Group, Inc. | Advantage with drugsHMO-POS | $0 | $3,800 | $405 | 4 |
| AARP Medicare Advantage from UHC FL-0025 (PPO)H2406-017-000 · UnitedHealth Group, Inc. | Advantage with drugsPPO | $0 | $7,150 | $685 | 4 |
| AARP Medicare Advantage from UHC FL-0031 (Regional PPO)R0759-001-000 · UnitedHealth Group, Inc. | Advantage with drugsRegional PPO | $127 | $9,850 | $685 | 3.5 |
| AARP Medicare Advantage Patriot No Rx FL-MA01 (Regional PPO)R0759-002-000 · UnitedHealth Group, Inc. | Advantage without drug coverageRegional PPO | $0 | $9,250 | n/a | 3.5 |
| AARP Medicare Advantage Patriot No Rx FL-MA2 (PPO)H2406-130-000 · UnitedHealth Group, Inc. | Advantage without drug coveragePPO | $0 | $8,900 | n/a | 4 |
| AARP Medicare Rx Preferred from UHC (PDP)S5921-383-000 · UnitedHealth Group, Inc. | Drug onlyPDP | $184.10 | n/a | $300 | 3 |
| AARP Medicare Rx Saver from UHC (PDP)S5921-356-000 · UnitedHealth Group, Inc. | Drug onlyPDP | $149.20 | n/a | $700 | 3 |
| Advantage Care by Ultimate (HMO C-SNP)H2962-033-000 · Ultimate Healthcare Holdings, LLC | Advantage with drugsHMO C-SNP | $0 | $2,800 | $0 | 3.5 |
| Advantage Care COPD by Ultimate (HMO C-SNP)H2962-023-000 · Ultimate Healthcare Holdings, LLC | Advantage with drugsHMO C-SNP | $0 | $2,600 | $0 | 3.5 |
| Advantage Plus by Ultimate (Full) (HMO D-SNP)H2962-035-000 · Ultimate Healthcare Holdings, LLC | Advantage with drugsHMO D-SNP | $0 | $500 | $700 | 3.5 |
| Advantage Plus by Ultimate (Partial) (HMO D-SNP)H2962-036-000 · Ultimate Healthcare Holdings, LLC | Advantage with drugsHMO D-SNP | $0 | $500 | $700 | 3.5 |
| Aetna Medicare Chronic Care (HMO C-SNP)H1609-101-000 · CVS Health Corporation | Advantage with drugsHMO C-SNP | $0 | $3,900 | $300 | 4 |
| Aetna Medicare Eagle Giveback (PPO)H5521-306-000 · CVS Health Corporation | Advantage without drug coveragePPO | $0 | $7,150 | n/a | 4 |
| Aetna Medicare Full Dual Select (HMO D-SNP)H1609-092-000 · CVS Health Corporation | Advantage with drugsHMO D-SNP | $0 | $9,850 | $700 | 4 |
| Aetna Medicare Partial Dual Select (HMO D-SNP)H1609-062-000 · CVS Health Corporation | Advantage with drugsHMO D-SNP | $0 | $9,850 | $700 | 4 |
| Aetna Medicare Select (HMO)H1609-063-000 · CVS Health Corporation | Advantage with drugsHMO | $0 | $3,900 | $200 | 4 |
| BlueMedicare Complete Rx (PDP)S5904-002-000 · Guidewell Mutual Holding Corporation | Drug onlyPDP | $326 | n/a | $700 | 2.5 |
| BlueMedicare Patriot (PPO)H5434-044-000 · Guidewell Mutual Holding Corporation | Advantage without drug coveragePPO | $0 | $6,750 | n/a | 3 |
| BlueMedicare Premier Rx (PDP)S5904-001-000 · Guidewell Mutual Holding Corporation | Drug onlyPDP | $164.60 | n/a | $700 | 2.5 |
| BlueMedicare Value (PPO)H5434-026-000 · Guidewell Mutual Holding Corporation | Advantage with drugsPPO | $0 | $9,250 | $700 | 3 |
| CareAccess (HMO)H1019-144-000 · Humana Inc. | Advantage with drugsHMO | $0 | $4,000 | $700 | 4 |
| CareBreeze (HMO C-SNP)H1019-154-000 · Humana Inc. | Advantage with drugsHMO C-SNP | $0 | $2,000 | $700 | 4 |
| CareBreeze Platinum (HMO C-SNP)H1019-118-000 · Humana Inc. | Advantage with drugsHMO C-SNP | $0 | $3,800 | $700 | 4 |
| CareComplete (HMO C-SNP)H1019-150-000 · Humana Inc. | Advantage with drugsHMO C-SNP | $0 | $2,000 | $700 | 4 |
| CareComplete Platinum (HMO C-SNP)H1019-109-000 · Humana Inc. | Advantage with drugsHMO C-SNP | $0 | $3,800 | $700 | 4 |
| CareFree Giveback (HMO)H1019-134-000 · Humana Inc. | Advantage with drugsHMO | $0 | $4,200 | $700 | 4 |
| CareFree Platinum Giveback (HMO)H1019-139-000 · Humana Inc. | Advantage with drugsHMO | $0 | $4,200 | $700 | 4 |
| CareNeeds Platinum (HMO D-SNP)H1019-146-000 · Humana Inc. | Advantage with drugsHMO D-SNP | $0 | $3,400 | $700 | 4 |
| CareNeeds Plus (HMO D-SNP)H1019-073-000 · Humana Inc. | Advantage with drugsHMO D-SNP | $0 | $3,400 | $700 | 4 |
| CareOne Plus (HMO-POS)H1019-043-000 · Humana Inc. | Advantage with drugsHMO-POS | $0 | $4,000 | $700 | 4 |
| CareSalute (HMO)H1019-132-000 · Humana Inc. | Advantage without drug coverageHMO | $0 | $4,150 | n/a | 4 |
| DEVOTED CHOICE GIVEBACK 008 FL (PPO)H9884-008-000 · Devoted Health, Inc. | Advantage with drugsPPO | $0 | $9,850 | $461 | 4 |
| DEVOTED CORE 046 FL (HMO)H1290-046-000 · Devoted Health, Inc. | Advantage with drugsHMO | $0 | $4,950 | $650 | 4.5 |
| DEVOTED CORE 066 FL (HMO)H1290-066-000 · Devoted Health, Inc. | Advantage with drugsHMO | $0 | $4,700 | $650 | 4.5 |
| DEVOTED DUAL 039 FL (HMO D-SNP)H1290-039-000 · Devoted Health, Inc. | Advantage with drugsHMO D-SNP | $0 | $5,200 | $700 | 4.5 |
| DEVOTED DUAL FULL 098 FL (HMO D-SNP)H1290-098-000 · Devoted Health, Inc. | Advantage with drugsHMO D-SNP | $0 | $9,850 | $700 | 4.5 |
| DEVOTED DUAL QMB 052 FL (HMO D-SNP)H1290-052-000 · Devoted Health, Inc. | Advantage with drugsHMO D-SNP | $0 | $9,850 | $700 | 4.5 |
| DEVOTED GIVEBACK 045 FL (HMO)H1290-045-000 · Devoted Health, Inc. | Advantage with drugsHMO | $0 | $7,700 | $650 | 4.5 |
| DEVOTED GIVEBACK EXTRAS 116 FL (HMO)H1290-116-000 · Devoted Health, Inc. | Advantage with drugsHMO | $0 | $5,700 | $700 | 4.5 |
| Florida Complete Care (HMO I-SNP)H9986-001-000 · Independent Living Systems, LLC | Advantage with drugsHMO I-SNP | $0 | $3,400 | $260 | 3 |
| Florida Complete Care- In The Community (HMO-POS I-SNP)H9986-002-000 · Independent Living Systems, LLC | Advantage with drugsHMO-POS I-SNP | $0 | $3,400 | $260 | 3 |
| Florida Complete Care-Duals VIP (HMO-POS D-SNP)H9986-004-001 · Independent Living Systems, LLC | Advantage with drugsHMO-POS D-SNP | $0 | $3,400 | $260 | 3 |
| Freedom Medi-Medi Partial (HMO D-SNP)H5427-078-000 · Elevance Health, Inc. | Advantage with drugsHMO D-SNP | $0 | $500 | $105 | 4 |
| Freedom Platinum Plan Rx (HMO)H5427-088-000 · Elevance Health, Inc. | Advantage with drugsHMO | $0 | $1,750 | $0 | 4 |
| Freedom Platinum Rewards Plan Rx (HMO)H5427-106-000 · Elevance Health, Inc. | Advantage with drugsHMO | $0 | $3,400 | $0 | 4 |
| Freedom Savings Plan (HMO)H5427-052-000 · Elevance Health, Inc. | Advantage without drug coverageHMO | $0 | $4,450 | n/a | 4 |
| Freedom VIP Rewards (HMO C-SNP)H5427-108-000 · Elevance Health, Inc. | Advantage with drugsHMO C-SNP | $0 | $3,400 | $0 | 4 |
| Freedom VIP Savings (HMO C-SNP)H5427-082-000 · Elevance Health, Inc. | Advantage with drugsHMO C-SNP | $0 | $3,400 | $0 | 4 |
| Freedom VIP Savings COPD (HMO C-SNP)H5427-083-000 · Elevance Health, Inc. | Advantage with drugsHMO C-SNP | $0 | $3,400 | $0 | 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 Indian River 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