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Medicare plans in Charlotte County, FL — 2026
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 2026, Charlotte County, Florida has 84 Medicare plans (31 Medicare Advantage with drug coverage, 10 without, 10 standalone Part D, 33 Special Needs) from 12 carriers. 48 Medicare Advantage plans have a $0 premium. The lowest in-network out-of-pocket maximum is $500.
Market snapshot
- Residents 65 and older
- 81,528
- Residents 60–64, aging in over the next five years
- 18,752
- Medicare eligibles
- 81,731
- Medicare Advantage penetration
- 53.0%
- Plans per 1,000 residents 65+
- 1
Carriers by number of plans
- Humana — 26 plans
- UnitedHealthcare — 16 plans
- Aetna Medicare — 9 plans
- Wellcare — 8 plans
- Freedom Health, Inc. — 7 plans
- Florida Blue — 5 plans
- Optimum HealthCare, Inc. — 4 plans
- HealthSpring — 3 plans
Plans sorted by CMS star rating, then premium
| Plan | Carrier | Category | Plan type | Monthly premium | Drug deductible | Out-of-pocket maximum | Star rating |
|---|
| AARP Medicare Advantage CareFlex from UHC FL-34 (HMO-POS) (H1045-059-0) | UnitedHealthcare | MA-PD | HMO-POS | $0 | $600 | $6,700 | 4.5 |
|---|
| AARP Medicare Advantage from UHC FL-0006 (HMO-POS) (H1045-028-0) | UnitedHealthcare | MA-PD | HMO-POS | $0 | $270 | $3,800 | 4.5 |
|---|
| AARP Medicare Advantage from UHC FL-0010 (HMO-POS) (H1045-034-0) | UnitedHealthcare | MA-PD | HMO-POS | $0 | $270 | $3,400 | 4.5 |
|---|
| Aetna Medicare Dual Select (HMO D-SNP) (H1609-056-0) | Aetna Medicare | SNP | HMO D-SNP | $0 | $615 | $9,250 | 4.5 |
|---|
| Aetna Medicare Full Dual Select (HMO D-SNP) (H1609-078-0) | Aetna Medicare | SNP | HMO D-SNP | $0 | $615 | $9,250 | 4.5 |
|---|
| Aetna Medicare Select (HMO) (H1609-027-0) | Aetna Medicare | MA-PD | HMO | $0 | $0 | $3,300 | 4.5 |
|---|
| Aetna Medicare Select Extra (HMO-POS) (H1609-028-0) | Aetna Medicare | MA-PD | HMO-POS | $0 | $615 | $6,750 | 4.5 |
|---|
| Aetna Medicare Signature (PPO) (H5521-033-0) | Aetna Medicare | MA-PD | PPO | $0 | $615 | $6,750 | 4.5 |
|---|
| Aetna Medicare Signature (PPO) (H5521-710-0) | Aetna Medicare | MA-PD | PPO | $0 | $615 | $6,750 | 4.5 |
|---|
| Aetna Medicare Signature (PPO) (H5521-272-0) | Aetna Medicare | MA-PD | PPO | $0 | $615 | $5,500 | 4.5 |
|---|
Showing 10 of 84 plans.
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About this data
Source: CMS Medicare Advantage/Part D Landscape files, plan year 2026; population: U.S. Census Bureau ACS 5-year 2024; MA penetration: CMS September 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.