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Medicare plans in Gulf 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, Gulf County, Florida has 31 Medicare plans (8 Medicare Advantage with drug coverage, 5 without, 11 standalone Part D, 7 Special Needs) from 6 carriers. 13 Medicare Advantage plans have a $0 premium. The lowest in-network out-of-pocket maximum is $4,450.
What changed vs 2026
- 5 fewer plans than 2026
- Carriers entered: HealthSpring
- Average star rating down 0.1
Market snapshot
- Residents 65 and older
- 3,592
- Residents 60–64, aging in over the next five years
- 1,267
- Medicare eligibles
- 4,594
- Medicare Advantage penetration
- 47.4%
- Plans per 1,000 residents 65+
- 8.6
Carriers by number of plans
- Humana — 12 plans
- UnitedHealthcare — 10 plans
- Florida Blue — 5 plans
- Wellcare — 2 plans
- Aetna Medicare — 1 plan
- HealthSpring — 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 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-0011 (HMO-POS) (H1045-041-0) | UnitedHealthcare | MA-PD | HMO-POS | $0 | $685 | $4,450 | 4.0 |
| Humana Dual Integrated (PPO D-SNP) (H5216-479-0) | Humana | SNP | PPO D-SNP | $0 | $200 | $9,850 | 4.0 |
| Humana Dual Select H5216-394 (PPO D-SNP) (H5216-394-0) | Humana | SNP | PPO D-SNP | $0 | $50 | $4,900 | 4.0 |
| Humana USAA Honor Giveback (PPO) (H5216-257-0) | Humana | MA | PPO | $0 | $6,000 | 4.0 | |
| Humana Value Choice (PPO) (H5216-070-0) | Humana | MA-PD | PPO | $0 | $700 | $7,150 | 4.0 |
| HumanaChoice R5826-018 (Regional PPO) (R5826-018-0) | Humana | MA | Regional PPO | $9 | $7,550 | 4.0 | |
| HumanaChoice R5826-074 (Regional PPO) (R5826-074-0) | Humana | MA-PD | Regional PPO | $35 | $700 | $7,550 | 4.0 |
Showing 10 of 31 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.