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Medicare plans in Highlands 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, Highlands County, Florida has 58 Medicare plans (17 Medicare Advantage with drug coverage, 8 without, 11 standalone Part D, 22 Special Needs) from 8 carriers. 40 Medicare Advantage plans have a $0 premium. The lowest in-network out-of-pocket maximum is $500.
What changed vs 2026
- 12 fewer plans than 2026
- Carriers entered: HealthSpring
- Carriers exited: Health First Health Plans, Inc.
- $0-premium plans down 7
- Average star rating down 0.1
Market snapshot
- Residents 65 and older
- 38,051
- Residents 60–64, aging in over the next five years
- 7,952
- Medicare eligibles
- 37,722
- Medicare Advantage penetration
- 60.1%
- Plans per 1,000 residents 65+
- 1.5
Carriers by number of plans
- Humana — 23 plans
- UnitedHealthcare — 14 plans
- Aetna Medicare — 8 plans
- Florida Blue — 5 plans
- Wellcare — 4 plans
- Simply Healthcare Plans, Inc. — 2 plans
- HealthSpring — 1 plan
- Longevity Health Plan — 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 |
|---|---|---|---|---|---|---|---|
| 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 H1036-102 (HMO D-SNP) (H1036-102-0) | Humana | SNP | HMO D-SNP | $0 | $700 | $1,500 | 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 Fully Integrated H1036-280 (HMO D-SNP) (H1036-280-0) | Humana | SNP | HMO D-SNP | $0 | $700 | $3,400 | 4.5 |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) (H1036-299-0) | Humana | SNP | HMO C-SNP | $0 | $700 | $2,000 | 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 H1036-265 (HMO) (H1036-265-1) | Humana | MA-PD | HMO | $0 | $0 | $2,400 | 4.5 |
| Humana Gold Plus Giveback H1036-266 (HMO) (H1036-266-0) | Humana | MA-PD | HMO | $0 | $700 | $3,400 | 4.5 |
Showing 10 of 58 plans.
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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.