Medicare plans
Polk County, FL
110 Medicare Advantage plans and 11 drug-only plans are offered in Polk County, FL for 2027. 99 of the Advantage plans have a $0 monthly premium.
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Plans by type
| Type | Plans |
|---|---|
| Advantage | 11 |
| Advantage with drugs | 99 |
| Drug only | 11 |
| All plans | 121 |
60 of these are Special Needs Plans, open only to people who qualify. 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
Premiums and out-of-pocket limits
| Measure | 2027 |
|---|---|
| Advantage monthly premium | $0 to $161 |
| Advantage plans at $0 | 99 |
| 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 |
|---|---|
| 3 stars | 9 |
| 3.5 stars | 13 |
| 4 stars | 53 |
| 4.5 stars | 33 |
| 5 stars | 2 |
88 Advantage plans in Polk 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
Polk County, FL has 110 Advantage plans in 2027, 16 fewer than 2026 (126). 20 plans are new to the county and 36 plans offered here in 2026 are gone. $0 plans go from 100 to 99.
| Advantage plans | 2026 | 2027 |
|---|---|---|
| Offered in the county | 126 | 110 |
| At a $0 premium | 100 | 99 |
| New for 2027 | 20 | |
| Offered in 2026, gone in 2027 | 36 |
Offered here in 2026, not in 2027
- Solis Healthy Living Plan (HMO) (H0982-020, Athena Healthcare Holdings, LLC)
- Solis Wellness Plan (HMO C-SNP) (H0982-021, Athena Healthcare Holdings, LLC)
- Solis Guardian Plan (HMO D-SNP) (H0982-023, Athena Healthcare Holdings, LLC)
- Solis Wellness Giveback Plan (HMO C-SNP) (H0982-032, Athena Healthcare Holdings, LLC)
- 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)
- 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)
- Aetna Medicare Select (HMO) (H1609-022, CVS Health Corporation)
- Aetna Medicare Dual Select (HMO D-SNP) (H1609-049, CVS Health Corporation)
- Aetna Medicare Full Dual Select (HMO D-SNP) (H1609-076, CVS Health Corporation)
- Aetna Medicare Chronic Care (HMO C-SNP) (H1609-083, CVS Health Corporation)
- BayCarePlus Premier (HMO) (H2235-003, BayCare Health System, Inc.)
- UHC Dual Complete FL-Y5 (HMO-POS D-SNP) (H2509-003, UnitedHealth Group, Inc.)
- DrSelect-CFL (HMO) (H4140-016, DOCTORS HEALTHCARE PLANS, INC.)
- DrTotalCare-CFL (HMO C-SNP) (H4140-018, DOCTORS HEALTHCARE PLANS, INC.)
- 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.)
- HealthSpring Preferred Savings (HMO) (H5410-026, Health Care Service Corporation)
- Freedom Medi-Medi Full (HMO D-SNP) (H5427-087, Elevance Health, Inc.)
- Simply Complete (HMO D-SNP) (H5471-066, Elevance Health, Inc.)
- Simply Level (HMO C-SNP) (H5471-070, Elevance Health, Inc.)
- Simply More (HMO) (H5471-071, 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) (H5471-128, Elevance Health, Inc.)
- 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 |
|---|---|---|---|
| Athena Healthcare Holdings, LLC | 4 | 0 | 4 |
| BayCare Health System, Inc. | 2 | 0 | 2 |
| Centene Corporation | 5 | 2 | 7 |
| CVS Health Corporation | 10 | 1 | 11 |
| Devoted Health, Inc. | 10 | 0 | 10 |
| DOCTORS HEALTHCARE PLANS, INC. | 4 | 0 | 4 |
| Elevance Health, Inc. | 14 | 0 | 14 |
| Guidewell Mutual Holding Corporation | 5 | 2 | 7 |
| Health Care Service Corporation | 3 | 1 | 4 |
| Humana Inc. | 28 | 3 | 31 |
| Independent Living Systems, LLC | 3 | 0 | 3 |
| Longevity Health Founders, LLC | 1 | 0 | 1 |
| Ultimate Healthcare Holdings, LLC | 5 | 0 | 5 |
| UnitedHealth Group, Inc. | 16 | 2 | 18 |
Source: CMS Medicare Advantage and Part D landscape files, as of September 30, 2026. Publisher page
Every 2027 plan in Polk County, FL
121 plans, by plan name. Select a column to sort.
| Plan ↑ | Type | Premium | Out-of-pocket max | Drug deductible | Stars |
|---|---|---|---|---|---|
| AARP Medicare Advantage CareFlex from UHC FL-34 (HMO-POS)H1045-059-0 · UnitedHealth Group, Inc. | Advantage with drugsHMO-POS | $0 | $7,150 | $685 | 4 |
| AARP Medicare Advantage from UHC FL-003P (HMO-POS)H1045-045-0 · UnitedHealth Group, Inc. | Advantage with drugsHMO-POS | $0 | $3,500 | $405 | 4 |
| AARP Medicare Advantage from UHC FL-0006 (HMO-POS)H1045-028-0 · UnitedHealth Group, Inc. | Advantage with drugsHMO-POS | $0 | $3,800 | $405 | 4 |
| AARP Medicare Advantage from UHC FL-0019 (PPO)H2406-011-0 · UnitedHealth Group, Inc. | Advantage with drugsPPO | $0 | $7,150 | $685 | 4 |
| AARP Medicare Advantage from UHC FL-0031 (Regional PPO)R0759-001-0 · UnitedHealth Group, Inc. | Advantage with drugsRegional PPO | $127 | $9,850 | $685 | 3.5 |
| AARP Medicare Advantage Giveback from UHC FL-40 (HMO-POS)H1045-071-0 · UnitedHealth Group, Inc. | Advantage with drugsHMO-POS | $0 | $7,150 | $685 | 4 |
| AARP Medicare Advantage Patriot No Rx FL-MA01 (Regional PPO)R0759-002-0 · UnitedHealth Group, Inc. | AdvantageRegional PPO | $0 | $9,250 | n/a | 3.5 |
| AARP Medicare Advantage Patriot No Rx FL-MA2 (PPO)H2406-130-0 · UnitedHealth Group, Inc. | AdvantagePPO | $0 | $8,900 | n/a | 4 |
| AARP Medicare Rx Preferred from UHC (PDP)S5921-383-0 · UnitedHealth Group, Inc. | Drug onlyPDP | $184.10 | n/a | $300 | 3 |
| AARP Medicare Rx Saver from UHC (PDP)S5921-356-0 · UnitedHealth Group, Inc. | Drug onlyPDP | $149.20 | n/a | $700 | 3 |
| Advantage Care by Ultimate (HMO C-SNP)H2962-051-0 · Ultimate Healthcare Holdings, LLC | Advantage with drugsHMO C-SNP | $0 | $3,200 | $0 | 3.5 |
| Advantage Care COPD by Ultimate (HMO C-SNP)H2962-023-0 · Ultimate Healthcare Holdings, LLC | Advantage with drugsHMO C-SNP | $0 | $2,600 | $0 | 3.5 |
| Advantage Plus by Ultimate (Full) (HMO D-SNP)H2962-035-0 · Ultimate Healthcare Holdings, LLC | Advantage with drugsHMO D-SNP | $0 | $500 | $700 | 3.5 |
| Advantage Plus by Ultimate (Partial) (HMO D-SNP)H2962-036-0 · Ultimate Healthcare Holdings, LLC | Advantage with drugsHMO D-SNP | $0 | $500 | $700 | 3.5 |
| Aetna Medicare Chronic Care (HMO C-SNP)H1609-082-0 · CVS Health Corporation | Advantage with drugsHMO C-SNP | $0 | $3,900 | $300 | 4 |
| Aetna Medicare Eagle Giveback (PPO)H5521-306-0 · CVS Health Corporation | AdvantagePPO | $0 | $7,150 | n/a | 4 |
| Aetna Medicare Full Dual Select (HMO D-SNP)H1609-088-0 · CVS Health Corporation | Advantage with drugsHMO D-SNP | $0 | $9,850 | $700 | 4 |
| Aetna Medicare Partial Dual Select (HMO D-SNP)H1609-105-0 · CVS Health Corporation | Advantage with drugsHMO D-SNP | $0 | $9,850 | $700 | 4 |
| Aetna Medicare QMB Only Select (HMO D-SNP)H1609-044-0 · CVS Health Corporation | Advantage with drugsHMO D-SNP | $0 | $9,850 | $700 | 4 |
| Aetna Medicare Select (HMO)H1609-087-0 · CVS Health Corporation | Advantage with drugsHMO | $0 | $3,900 | $200 | 4 |
| Aetna Medicare Select Extra (HMO-POS)H1609-028-0 · CVS Health Corporation | Advantage with drugsHMO-POS | $0 | $6,750 | $700 | 4 |
| Aetna Medicare Signature (PPO)H5521-033-0 · CVS Health Corporation | Advantage with drugsPPO | $0 | $7,150 | $700 | 4 |
| Aetna Medicare Signature (PPO)H5521-702-0 · CVS Health Corporation | Advantage with drugsPPO | $0 | $7,150 | $700 | 4 |
| Aetna Medicare Signature Legacy (PPO)H5521-270-0 · CVS Health Corporation | Advantage with drugsPPO | $0 | $7,150 | $700 | 4 |
| BayCarePlus Complete (HMO)H2235-001-0 · BayCare Health System, Inc. | Advantage with drugsHMO | $0 | $2,000 | $250 | 4 |
| BayCarePlus Rewards (HMO)H2235-002-0 · BayCare Health System, Inc. | Advantage with drugsHMO | $0 | $3,700 | $700 | 4 |
| BlueMedicare Classic (HMO)H1035-021-0 · Guidewell Mutual Holding Corporation | Advantage with drugsHMO | $0 | $6,750 | $700 | 3.5 |
| BlueMedicare Complete Rx (PDP)S5904-002-0 · Guidewell Mutual Holding Corporation | Drug onlyPDP | $326 | n/a | $700 | 2.5 |
| BlueMedicare Patriot (PPO)H5434-042-0 · Guidewell Mutual Holding Corporation | AdvantagePPO | $0 | $6,750 | n/a | 3 |
| BlueMedicare Patriot Plus (PPO)H5434-048-0 · Guidewell Mutual Holding Corporation | AdvantagePPO | $0 | $6,750 | n/a | 3 |
| BlueMedicare Preferred (HMO)H1035-052-0 · Guidewell Mutual Holding Corporation | Advantage with drugsHMO | $0 | $2,900 | $350 | 3.5 |
| BlueMedicare Premier Rx (PDP)S5904-001-0 · Guidewell Mutual Holding Corporation | Drug onlyPDP | $164.60 | n/a | $700 | 2.5 |
| BlueMedicare Value (PPO)H5434-034-0 · Guidewell Mutual Holding Corporation | Advantage with drugsPPO | $0 | $5,900 | $597 | 3 |
| CareAccess (HMO)H1019-144-0 · Humana Inc. | Advantage with drugsHMO | $0 | $4,000 | $700 | 4 |
| CareBreeze (HMO C-SNP)H1019-154-0 · Humana Inc. | Advantage with drugsHMO C-SNP | $0 | $2,000 | $700 | 4 |
| CareBreeze Platinum (HMO C-SNP)H1019-151-2 · Humana Inc. | Advantage with drugsHMO C-SNP | $0 | $2,500 | $700 | 4 |
| CareComplete (HMO C-SNP)H1019-150-0 · Humana Inc. | Advantage with drugsHMO C-SNP | $0 | $2,000 | $700 | 4 |
| CareComplete Platinum (HMO C-SNP)H1019-147-2 · Humana Inc. | Advantage with drugsHMO C-SNP | $0 | $2,500 | $700 | 4 |
| CareFree Platinum Giveback (HMO)H1019-104-1 · Humana Inc. | Advantage with drugsHMO | $0 | $3,000 | $0 | 4 |
| CareNeeds Platinum (HMO D-SNP)H1019-146-0 · Humana Inc. | Advantage with drugsHMO D-SNP | $0 | $3,400 | $700 | 4 |
| CareNeeds Plus (HMO D-SNP)H1019-073-0 · Humana Inc. | Advantage with drugsHMO D-SNP | $0 | $3,400 | $700 | 4 |
| CareOne Plus (HMO-POS)H1019-103-1 · Humana Inc. | Advantage with drugsHMO-POS | $0 | $1,250 | $700 | 4 |
| CareSalute (HMO)H1019-132-0 · Humana Inc. | AdvantageHMO | $0 | $4,150 | n/a | 4 |
| DEVOTED C-SNP ENHANCED 072 FL (HMO C-SNP)H1290-072-0 · Devoted Health, Inc. | Advantage with drugsHMO C-SNP | $0 | $4,900 | $465 | 4.5 |
| DEVOTED C-SNP PLUS 088 FL (HMO C-SNP)H1290-088-0 · Devoted Health, Inc. | Advantage with drugsHMO C-SNP | $0 | $9,850 | $465 | 4.5 |
| DEVOTED CORE 036 FL (HMO)H1290-036-2 · Devoted Health, Inc. | Advantage with drugsHMO | $0 | $6,750 | $650 | 4.5 |
| DEVOTED CORE 037 FL (HMO)H1290-037-5 · Devoted Health, Inc. | Advantage with drugsHMO | $0 | $3,900 | $650 | 4.5 |
| DEVOTED CORE 065 FL (HMO)H1290-065-0 · Devoted Health, Inc. | Advantage with drugsHMO | $0 | $3,900 | $650 | 4.5 |
| DEVOTED DUAL 024 FL (HMO D-SNP)H1290-024-0 · Devoted Health, Inc. | Advantage with drugsHMO D-SNP | $0 | $4,400 | $700 | 4.5 |
| DEVOTED DUAL FULL 081 FL (HMO D-SNP)H1290-081-0 · Devoted Health, Inc. | Advantage with drugsHMO D-SNP | $0 | $9,850 | $700 | 4.5 |
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
For agents, pharmacies, and practices
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Neighboring counties
- Hardee County47 Advantage plans, 39 at $0
- Highlands County47 Advantage plans, 40 at $0
- Hillsborough County124 Advantage plans, 107 at $0
- Lake County102 Advantage plans, 90 at $0
- Manatee County87 Advantage plans, 73 at $0
- Okeechobee County47 Advantage plans, 38 at $0
- Orange County106 Advantage plans, 92 at $0
- Osceola County112 Advantage plans, 95 at $0
- Pasco County120 Advantage plans, 102 at $0
- Sumter County106 Advantage plans, 93 at $0
Health data for Polk 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, which are open only to people who qualify. 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