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Medicare plans in Polk 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, Polk County, Florida has 121 Medicare plans (39 Medicare Advantage with drug coverage, 11 without, 11 standalone Part D, 60 Special Needs) from 18 carriers. 99 Medicare Advantage plans have a $0 premium. The lowest in-network out-of-pocket maximum is $500.
What changed vs 2026
- 15 fewer plans than 2026
- Carriers exited: Health First Health Plans, Inc.
- $0-premium plans down 1
- Average star rating down 0.2
Market snapshot
- Residents 65 and older
- 154,193
- Residents 60–64, aging in over the next five years
- 46,950
- Medicare eligibles
- 184,200
- Medicare Advantage penetration
- 69.3%
- Plans per 1,000 residents 65+
- 0.8
Carriers by number of plans
- Humana — 21 plans
- UnitedHealthcare — 18 plans
- Aetna Medicare — 11 plans
- CarePlus Health Plans, Inc. — 10 plans
- Devoted Health — 10 plans
- Freedom Health, Inc. — 8 plans
- Wellcare — 7 plans
- Florida Blue — 5 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 |
| DEVOTED C-SNP ENHANCED 072 FL (HMO C-SNP) (H1290-072-0) | Devoted Health | SNP | HMO C-SNP | $0 | $465 | $4,900 | 4.5 |
| DEVOTED C-SNP PLUS 088 FL (HMO C-SNP) (H1290-088-0) | Devoted Health | SNP | HMO C-SNP | $0 | $465 | $9,850 | 4.5 |
| DEVOTED CORE 036 FL (HMO) (H1290-036-2) | Devoted Health | MA-PD | HMO | $0 | $650 | $6,750 | 4.5 |
| DEVOTED CORE 037 FL (HMO) (H1290-037-5) | Devoted Health | MA-PD | HMO | $0 | $650 | $3,900 | 4.5 |
| DEVOTED CORE 065 FL (HMO) (H1290-065-0) | Devoted Health | MA-PD | HMO | $0 | $650 | $3,900 | 4.5 |
| DEVOTED DUAL 024 FL (HMO D-SNP) (H1290-024-0) | Devoted Health | SNP | HMO D-SNP | $0 | $700 | $4,400 | 4.5 |
| DEVOTED DUAL FULL 081 FL (HMO D-SNP) (H1290-081-0) | Devoted Health | SNP | HMO D-SNP | $0 | $700 | $9,850 | 4.5 |
| DEVOTED DUAL QMB 052 FL (HMO D-SNP) (H1290-052-0) | Devoted Health | SNP | HMO D-SNP | $0 | $700 | $9,850 | 4.5 |
Showing 10 of 121 plans.
Nearby counties
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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.