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Medicare plans in Charlotte 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, Charlotte County, Florida has 73 Medicare plans (24 Medicare Advantage with drug coverage, 9 without, 11 standalone Part D, 29 Special Needs) from 12 carriers. 53 Medicare Advantage plans have a $0 premium. The lowest in-network out-of-pocket maximum is $500.
What changed vs 2026
- 11 fewer plans than 2026
- $0-premium plans down 4
- Average star rating down 0.1
Market snapshot
- Residents 65 and older
- 81,528
- Residents 60–64, aging in over the next five years
- 18,752
- Medicare eligibles
- 81,966
- Medicare Advantage penetration
- 52.9%
- Plans per 1,000 residents 65+
- 0.9
Carriers by number of plans
- Humana — 21 plans
- UnitedHealthcare — 16 plans
- Aetna Medicare — 9 plans
- Florida Blue — 6 plans
- Freedom Health, Inc. — 6 plans
- Wellcare — 4 plans
- Florida Blue HMO — 3 plans
- Optimum HealthCare, Inc. — 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 |
|---|---|---|---|---|---|---|---|
| UHC Nursing Home Plan FL-F001 (PPO I-SNP) (H0710-010-0) | UnitedHealthcare | SNP | PPO I-SNP | $6.10 | $700 | $9,850 | 5.0 |
| Longevity Health Plan (HMO I-SNP) (H1644-001-0) | Longevity Health Plan | SNP | HMO I-SNP | $7.30 | $700 | $9,850 | 5.0 |
| Humana Dual Integrated (HMO D-SNP) (H1036-340-0) | Humana | SNP | HMO D-SNP | $0 | $700 | $9,850 | 4.5 |
| Humana Dual Select H1036-285 (HMO D-SNP) (H1036-285-0) | Humana | SNP | HMO D-SNP | $0 | $700 | $3,400 | 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 Essentials Plus Giveback (PPO) (H7617-126-0) | Humana | MA-PD | PPO | $0 | $700 | $7,150 | 4.5 |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) (H1036-311-0) | Humana | SNP | HMO C-SNP | $0 | $0 | $3,300 | 4.5 |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) (H1036-338-0) | Humana | SNP | HMO C-SNP | $0 | $700 | $2,850 | 4.5 |
| Humana Gold Plus Giveback H1036-278 (HMO) (H1036-278-0) | Humana | MA-PD | HMO | $0 | $700 | $4,400 | 4.5 |
| Humana Gold Plus H1036-217 (HMO) (H1036-217-0) | Humana | MA-PD | HMO | $0 | $700 | $3,800 | 4.5 |
Showing 10 of 73 plans.
Nearby counties
Agent Tools
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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.