Home › Agent Hub › Agent Tools › Medicare plans by county › Florida › Bay County
Agent Tools
Medicare plans in Bay County, FL — 2027
What agents look up before working a county: plan count, carriers, $0-premium share, star distribution, MOOP range, the 65+ and 60–64 population, and what changed since last year.
In 2027, Bay County, Florida has 43 Medicare plans (12 Medicare Advantage with drug coverage, 7 without, 11 standalone Part D, 13 Special Needs) from 7 carriers. 22 Medicare Advantage plans have a $0 premium. The lowest in-network out-of-pocket maximum is $3,300.
What changed vs 2026
- 5 fewer plans than 2026
- $0-premium plans down 1
- Average star rating down 0.1
Market snapshot
- Residents 65 and older
- 34,078
- Residents 60–64, aging in over the next five years
- 14,594
- Medicare eligibles
- 45,114
- Medicare Advantage penetration
- 43.0%
- Plans per 1,000 residents 65+
- 1.3
Carriers by number of plans
- Humana — 18 plans
- UnitedHealthcare — 10 plans
- Florida Blue — 6 plans
- HealthSpring — 5 plans
- Wellcare — 2 plans
- Aetna Medicare — 1 plan
- Florida Blue HMO — 1 plan
Plans sorted by CMS star rating, then premium
| Plan | Carrier | Category | Plan type | Monthly premium | Drug deductible | Out-of-pocket maximum | Star rating |
|---|---|---|---|---|---|---|---|
| Humana Dual Integrated (HMO D-SNP) (H1036-341-0) | Humana | SNP | HMO D-SNP | $0 | $700 | $9,850 | 4.5 |
| Humana Dual Select H1036-314 (HMO D-SNP) (H1036-314-0) | Humana | SNP | HMO D-SNP | $0 | $700 | $3,400 | 4.5 |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) (H1036-336-0) | Humana | SNP | HMO C-SNP | $0 | $700 | $3,300 | 4.5 |
| Humana Gold Plus H1036-143 (HMO) (H1036-143-0) | Humana | MA-PD | HMO | $0 | $700 | $4,300 | 4.5 |
| Humana Gold Plus Lung (HMO C-SNP) (H1036-337-0) | Humana | SNP | HMO C-SNP | $0 | $700 | $3,300 | 4.5 |
| Humana USAA Honor Giveback (HMO) (H1036-290-0) | Humana | MA | HMO | $0 | $6,700 | 4.5 | |
| Humana Value Rx Plan (PDP) (S5884-190-0) | Humana | PDP | PDP | $45.20 | $687 | 4.5 | |
| Humana Basic Rx Plan (PDP) (S5884-105-0) | Humana | PDP | PDP | $90.30 | $700 | 4.5 | |
| Humana Premier Rx Plan (PDP) (S5884-157-0) | Humana | PDP | PDP | $135.20 | $350 | 4.5 | |
| AARP Medicare Advantage from UHC FL-0008 (HMO-POS) (H1045-031-0) | UnitedHealthcare | MA-PD | HMO-POS | $0 | $685 | $7,150 | 4.0 |
Showing 10 of 43 plans.
Nearby counties
Agent Tools
- Estimate drug costs in this county
- Marketplace (ACA) plans in this county
- Compare with another county
- Download plan list (CSV)
- Alert me when plans change here
About this data
Source: CMS Medicare Advantage/Part D Landscape files, plan year 2027; population: U.S. Census Bureau ACS 5-year 2024; MA penetration: CMS October 2026.
This page summarizes publicly available CMS data. It is not a plan finder and does not recommend plans. To compare and enroll in plans, use Medicare.gov or talk to a licensed agent. Medicare.gov plan finder.