Medicare Advantage plans in Hillsborough County, Florida (2027)
Tampa's county has more special needs plans than any other county with its own page here, including a cluster of plans for people in nursing homes.
Hillsborough, Florida: plans open to everyone on Parts A and B
52 plans
37 with a $0 premium and drug coverage · out-of-pocket limits $1,000 to $9,850 · best rating 4.5★ · 11 plan IDs of 2026 not renewed here
52 plans shown · monthly premium = Part C + Part D, before your Part B premium · stars: 2027 ratings published October 8, 2026
| Plan | Premium | Drug deductible | Max out of pocket | Stars |
|---|---|---|---|---|
| Optimum Platinum Plan (HMO)Optimum HealthCare, Inc. · HMO · H5594-002-0 | $0 | $0 | $1,000 | 4.5★ |
| CareOne Plus (HMO-POS)CarePlus Health Plans, Inc. · HMO-POS · H1019-103-2 | $0 | $700 | $1,500 | 4.0★ |
| Freedom Máximo (HMO-POS)Freedom Health, Inc. · HMO-POS · H5427-113-0 | $0 | $0 | $1,900 | 4.0★ |
| Optimum Gold Rewards Plan (HMO)Optimum HealthCare, Inc. · HMO · H5594-001-0 | $0 | $0 | $1,900 | 4.5★ |
| Premier by Ultimate (HMO)Ultimate Health Plans · HMO · H2962-045-0 | $0 | $0 | $1,900 | 3.5★ |
| BayCarePlus Complete (HMO)BayCare Health Plans · HMO · H2235-001-0 | $0 | $250 | $2,000 | 4.0★ |
| Humana Gold Plus H1036-025 (HMO)Humana · HMO · H1036-025-0 | $0 | $0 | $2,000 | 4.5★ |
| CareFree Platinum Giveback (HMO)CarePlus Health Plans, Inc. · HMO · H1019-104-2 | $0 | $0 | $2,400 | 4.0★ |
| Humana Gold Plus Giveback H1036-265 (HMO)Humana · HMO · H1036-265-1 | $0 | $0 | $2,400 | 4.5★ |
| Wellcare Simple (HMO-POS)Wellcare · HMO-POS · H1032-201-0 | $0 | $700 | $2,700 | 4.0★ |
| BlueMedicare Preferred (HMO)Florida Blue HMO · HMO · H1035-052-0 | $0 | $350 | $2,900 | 3.5★ |
| Solis Healthy Living Plan (HMO)Solis Health Plans · HMO · H0982-009-0 | $0 | $0 | $2,900 | 4.5★ |
| AARP Medicare Advantage from UHC FL-003P (HMO-POS)UnitedHealthcare · HMO-POS · H1045-045-0 | $0 | $405 | $3,500 | 4.0★ |
| DrSelect-CFL (HMO)Doctors HealthCare Plans, Inc. · HMO · H4140-025-0 | $0 | $0 | $3,500 | 4.5★ |
| BayCarePlus Rewards (HMO)BayCare Health Plans · HMO · H2235-002-0 | $0 | $700 | $3,700 | 4.0★ |
| AARP Medicare Advantage from UHC FL-0006 (HMO-POS)UnitedHealthcare · HMO-POS · H1045-028-0 | $0 | $405 | $3,800 | 4.0★ |
| Aetna Medicare Select (HMO)Aetna Medicare · HMO · H1609-087-0 | $0 | $200 | $3,900 | 4.0★ |
| DEVOTED CORE 037 FL (HMO)Devoted Health · HMO · H1290-037-5 · was $4.80 in 2026 | $0 | $650 | $3,900 | 4.5★ |
| DEVOTED CORE 058 FL (HMO)Devoted Health · HMO · H1290-058-0 | $0 | $650 | $3,900 | 4.5★ |
| Humana USAA Honor Giveback (HMO)Humana · HMO · H1036-119-0 | $0 | no drugs | $3,900 | 4.5★ |
| DEVOTED CORE 036 FL (HMO)Devoted Health · HMO · H1290-036-1 | $0 | $650 | $3,950 | 4.5★ |
| CareAccess (HMO)CarePlus Health Plans, Inc. · HMO · H1019-144-0 | $0 | $700 | $4,000 | 4.0★ |
| CareSalute (HMO)CarePlus Health Plans, Inc. · HMO · H1019-132-0 | $0 | no drugs | $4,150 | 3.0★ |
| Freedom Medicare Plan Rx (HMO)Freedom Health, Inc. · HMO · H5427-060-0 | $0 | $0 | $4,450 | 4.0★ |
| Freedom Savings Plan (HMO)Freedom Health, Inc. · HMO · H5427-052-0 | $0 | no drugs | $4,450 | 4.0★ |
| DEVOTED GIVEBACK EXTRAS 106 FL (HMO)Devoted Health · HMO · H1290-106-0 | $0 | $700 | $5,150 | 4.5★ |
| Humana Value Choice (PPO)Humana · PPO · H5216-072-0 | $0 | $700 | $5,600 | 4.0★ |
| BlueMedicare Value (PPO)Florida Blue · PPO · H5434-034-0 | $0 | $597 | $5,900 | 3.0★ |
| Humana USAA Honor Giveback (PPO)Humana · PPO · H5216-257-0 | $0 | no drugs | $6,000 | 4.0★ |
| Aetna Medicare Select Extra (HMO-POS)Aetna Medicare · HMO-POS · H1609-028-0 | $0 | $700 | $6,750 | 4.0★ |
| BlueMedicare Classic (HMO)Florida Blue HMO · HMO · H1035-021-0 | $0 | $700 | $6,750 | 3.5★ |
| BlueMedicare Patriot (PPO)Florida Blue · PPO · H5434-042-0 | $0 | no drugs | $6,750 | 3.0★ |
| BlueMedicare Patriot Plus (PPO)Florida Blue · PPO · H5434-048-0 | $0 | no drugs | $6,750 | 3.0★ |
| Humana USAA Honor Giveback (PPO)Humana · PPO · H7617-108-0 | $0 | no drugs | $6,750 | 4.5★ |
| HealthSpring Preferred (HMO)HealthSpring · HMO · H5410-059-0 | $0 | $400 | $7,100 | 3.0★ |
| AARP Medicare Advantage CareFlex from UHC FL-34 (HMO-POS)UnitedHealthcare · HMO-POS · H1045-059-0 | $0 | $685 | $7,150 | 4.0★ |
| AARP Medicare Advantage from UHC FL-0019 (PPO)UnitedHealthcare · PPO · H2406-011-0 | $0 | $685 | $7,150 | 4.0★ |
| AARP Medicare Advantage Giveback from UHC FL-40 (HMO-POS)UnitedHealthcare · HMO-POS · H1045-071-0 | $0 | $685 | $7,150 | 4.0★ |
| Aetna Medicare Eagle Giveback (PPO)Aetna Medicare · PPO · H5521-306-0 | $0 | no drugs | $7,150 | 4.5★ |
| Aetna Medicare Signature (PPO)Aetna Medicare · PPO · H5521-702-0 | $0 | $700 | $7,150 | 4.0★ |
| Aetna Medicare Signature Legacy (PPO)Aetna Medicare · PPO · H5521-270-0 | $0 | $700 | $7,150 | 4.0★ |
| DEVOTED GIVEBACK 051 FL (HMO)Devoted Health · HMO · H1290-051-1 | $0 | $650 | $7,150 | 4.5★ |
| Humana Essentials Plus Giveback (PPO)Humana · PPO · H7617-126-0 | $0 | $700 | $7,150 | 4.5★ |
| Wellcare Giveback (HMO-POS)Wellcare · HMO-POS · H1032-200-0 | $0 | $700 | $7,200 | 4.0★ |
| AARP Medicare Advantage Patriot No Rx FL-MA2 (PPO)UnitedHealthcare · PPO · H2406-130-0 | $0 | no drugs | $8,900 | 3.5★ |
| AARP Medicare Advantage Patriot No Rx FL-MA01 (Regional PPO)UnitedHealthcare · Regional PPO · R0759-002-0 | $0 | no drugs | $9,250 | 3.5★ |
| DEVOTED CHOICE GIVEBACK 008 FL (PPO)Devoted Health · PPO · H9884-008-0 | $0 | $461 | $9,850 | 4.0★ |
| HumanaChoice R5826-018 (Regional PPO)Humana · Regional PPO · R5826-018-0 · was $42 in 2026 | $9 | no drugs | $7,550 | 3.5★ |
| HumanaChoice R5826-074 (Regional PPO)Humana · Regional PPO · R5826-074-0 · was $41 in 2026 | $35 | $700 | $7,550 | 4.0★ |
| AARP Medicare Advantage from UHC FL-0031 (Regional PPO)UnitedHealthcare · Regional PPO · R0759-001-0 · was $62 in 2026 | $127 | $685 | $9,850 | 3.5★ |
| HumanaChoice R5826-005 (Regional PPO)Humana · Regional PPO · R5826-005-0 · was $184 in 2026 | $161 | $700 | $6,700 | 4.0★ |
| BlueMedicare Select (PPO)Florida Blue · PPO · H5434-002-0 · was $153.70 in 2026 | $173 | $700 | $7,500 | 3.0★ |
Compiled by Radif Partners from the CMS landscape file of September 2026 · all Florida counties and drug plans
Hillsborough County lists 72 special needs plans for 2027, more than its 52 Medicare Advantage plans open to anyone with Parts A and B. They split into 35 plans for people with both Medicare and Medicaid, 28 for chronic conditions such as diabetes, heart failure or COPD, and 9 institutional plans for residents of nursing homes or people who need that level of care at home. On the open side, 37 plans with drug coverage charge no premium, the lowest in-network cap is $1,000, with Optimum Platinum Plan (HMO), and the median is $5,375. 39 plans hold four stars or more in the 2027 ratings, and DrSelect-CFL (HMO) reaches 4.5. Year-over-year changes are modest: 58 open plans in 2026, 52 now, 11 IDs gone and 5 new. Humana leads with 14 plans.
Institutional plans: what an I-SNP does
An institutional special needs plan (I-SNP) enrolls people who live in a nursing home or assisted setting, or who are expected to need that level of care for months. The plan usually works with clinicians who visit the facility, so a resident can be seen there instead of being sent to an emergency room for every change. With 9 such plans, Hillsborough families choosing a facility can ask which plans it works with. Joining requires an assessment, and you can switch out of an I-SNP more often than during the fall window.
When a stay starts in the hospital
Under Original Medicare, a nursing-home stay is covered only after a qualifying hospital stay, and the hospital part has its own costs: in 2026 the Part A deductible is $1,736, then daily coinsurance on very long stays.
A hospital stay under Part A in 2026
Your share
$1,736
| Deductible | $1,736 |
| Daily from day 61 | $434 |
The open plans, from Optimum to BayCare
Humana Inc. (14), UnitedHealth Group, Inc. (8), Guidewell Mutual Holding Corporation (6), Devoted Health, Inc. (6), Elevance Health, Inc. (5), CVS Health Corporation (5). Optimum HealthCare and Freedom Health sit at the low end of the cap ranking, along with CareOne Plus and Ultimate Health Plans. BayCare Health Plans, tied to the BayCare hospitals, stays in the list; BayCarePlus Premier is among the 2026 IDs that did not return, with several Humana giveback PPOs and the Simply plans.
Pasco, Pinellas, Polk
Pasco County lists 49 open plans and 71 special needs plans; Pinellas 50 and 68; Polk 50 and 60. The Tampa Bay counties share most insurers, but each plan is filed county by county, so check yours after a move across the bay.
2026 plans not filed again here for 2027
These plan IDs were offered in Hillsborough County in 2026 and do not appear for the county in the 2027 file. A plan can be closed, moved out of the county or merged into another ID; the insurer must tell its members in the Annual Notice of Change sent by September 30.
- Wellcare Patriot Giveback (HMO) (Wellcare, H1032-239-0, insurer still present)
- BayCarePlus Premier (HMO) (BayCare Health Plans, H2235-003-0, insurer still present)
- DrSelect-CFL (HMO) (Doctors HealthCare Plans, Inc., H4140-016-0, insurer still present)
- Humana Full Access Giveback H5216-393 (PPO) (Humana, H5216-393-0, insurer still present)
- Humana Direct Choice Giveback (PPO) (Humana, H5216-452-0, insurer still present)
- Humana USAA Honor Giveback (PPO) (Humana, H5216-467-0, insurer still present)
- Simply More (HMO) (Simply Healthcare Plans, Inc., H5471-078-0, insurer still present)
- Simply Extra Platinum (HMO) (Simply Healthcare Plans, Inc., H5471-117-0, insurer still present)
- Aetna Medicare Signature (PPO) (Aetna Medicare, H5521-033-0, insurer still present)
- Humana Full Access Giveback H7617-111 (PPO) (Humana, H7617-111-0, insurer still present)
- Humana Direct Choice Giveback (PPO) (Humana, H7617-112-0, insurer still present)