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Medicare plans in Hernando 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, Hernando County, Florida has 116 Medicare plans (40 Medicare Advantage with drug coverage, 11 without, 10 standalone Part D, 55 Special Needs) from 16 carriers. 71 Medicare Advantage plans have a $0 premium. The lowest in-network out-of-pocket maximum is $500.
Market snapshot
- Residents 65 and older
- 54,596
- Residents 60–64, aging in over the next five years
- 15,052
- Medicare eligibles
- 64,496
- Medicare Advantage penetration
- 68.7%
- Plans per 1,000 residents 65+
- 2.1
Carriers by number of plans
- Humana — 27 plans
- UnitedHealthcare — 17 plans
- Aetna Medicare — 10 plans
- Optimum HealthCare, Inc. — 8 plans
- Simply Healthcare Plans, Inc. — 8 plans
- Wellcare — 8 plans
- Devoted Health — 7 plans
- Freedom Health, Inc. — 6 plans
Plans sorted by CMS star rating, then premium
| Plan | Carrier | Category | Plan type | Monthly premium | Drug deductible | Out-of-pocket maximum | Star rating |
|---|
| DEVOTED CORE 036 FL (HMO) (H1290-036-1) | Devoted Health | MA-PD | HMO | $0 | $615 | $3,900 | 5.0 |
|---|
| DEVOTED CORE 058 FL (HMO) (H1290-058-0) | Devoted Health | MA-PD | HMO | $0 | $0 | $3,900 | 5.0 |
|---|
| DEVOTED DUAL 024 FL (HMO D-SNP) (H1290-024-0) | Devoted Health | SNP | HMO D-SNP | $0 | $615 | $3,900 | 5.0 |
|---|
| DEVOTED DUAL PLUS 052 FL (HMO D-SNP) (H1290-052-0) | Devoted Health | SNP | HMO D-SNP | $0 | $615 | $9,250 | 5.0 |
|---|
| DEVOTED GIVEBACK 051 FL (HMO) (H1290-051-1) | Devoted Health | MA-PD | HMO | $0 | $615 | $6,750 | 5.0 |
|---|
| DEVOTED PREMIUM 037 FL (HMO) (H1290-037-5) | Devoted Health | MA-PD | HMO | $4.80 | $615 | $3,900 | 5.0 |
|---|
| AARP Medicare Advantage CareFlex from UHC FL-32 (HMO-POS) (H1045-057-0) | 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-0013 (HMO-POS) (H1045-043-0) | UnitedHealthcare | MA-PD | HMO-POS | $0 | $270 | $3,500 | 4.5 |
|---|
| Aetna Medicare Chronic Care (HMO C-SNP) (H1609-082-0) | Aetna Medicare | SNP | HMO C-SNP | $0 | $200 | $4,200 | 4.5 |
|---|
Showing 10 of 116 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.