Medicare Advantage plans in Miami-Dade County, Florida (2027)
41 plans open to everyone and 60 special needs plans: Miami-Dade has more plans built around Medicaid and chronic illness than open ones.
Miami-Dade, Florida: plans open to everyone on Parts A and B
41 plans
29 with a $0 premium and drug coverage · out-of-pocket limits $500 to $9,850 · best rating 5.0★ · 10 plan IDs of 2026 not renewed here
41 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 |
|---|---|---|---|---|
| CareOne Plus (HMO)CarePlus Health Plans, Inc. · HMO · H1019-006-0 | $0 | $0 | $500 | 4.0★ |
| Humana Gold Plus H1036-054C (HMO)Humana · HMO · H1036-054-0 | $0 | $0 | $500 | 4.5★ |
| Leon MediExtra (HMO)Leon Health, Inc. · HMO · H4286-001-0 | $0 | $0 | $1,000 | 5.0★ |
| HealthSun HealthAdvantage Plan (HMO)HealthSun Health Plans, Inc. · HMO · H5431-001-0 | $0 | $0 | $1,500 | 4.5★ |
| CareAccess (HMO)CarePlus Health Plans, Inc. · HMO · H1019-148-0 | $0 | $0 | $2,250 | 4.0★ |
| Solis Healthy Living Plan (HMO)Solis Health Plans · HMO · H0982-022-0 | $0 | $0 | $2,500 | 4.5★ |
| Wellcare Simple (HMO-POS)Wellcare · HMO-POS · H1032-196-0 | $0 | $700 | $2,700 | 4.0★ |
| Aetna Medicare Select Care (HMO)Aetna Medicare · HMO · H1609-093-0 | $0 | $0 | $2,900 | 4.0★ |
| UHC Preferred Medicare Advantage FL-0001 (HMO)UnitedHealthcare · HMO · H1045-001-0 | $0 | $0 | $2,900 | 4.0★ |
| CareFree Platinum Giveback (HMO)CarePlus Health Plans, Inc. · HMO · H1019-136-0 | $0 | $700 | $3,000 | 4.0★ |
| DrMax-Dade (HMO)Doctors HealthCare Plans, Inc. · HMO · H4140-022-0 | $0 | $0 | $3,000 | 4.5★ |
| DrSelect-SFL (HMO)Doctors HealthCare Plans, Inc. · HMO · H4140-023-0 | $0 | $0 | $3,000 | 4.5★ |
| DEVOTED CORE 062 FL (HMO)Devoted Health · HMO · H1290-062-0 | $0 | $465 | $3,400 | 4.5★ |
| Humana USAA Honor Giveback (HMO)Humana · HMO · H1036-279-0 | $0 | no drugs | $3,400 | 4.5★ |
| HealthSun HealthAdvantage Plus (HMO)HealthSun Health Plans, Inc. · HMO · H5431-017-0 | $0 | $0 | $3,450 | 4.5★ |
| HealthSun MediMax (HMO)HealthSun Health Plans, Inc. · HMO · H5431-006-0 | $0 | $105 | $3,450 | 4.5★ |
| Leon MediMore (HMO)Leon Health, Inc. · HMO · H4286-003-0 | $0 | $0 | $3,450 | 5.0★ |
| Humana Gold Plus Giveback H1036-305 (HMO)Humana · HMO · H1036-305-0 | $0 | $0 | $3,850 | 4.5★ |
| DEVOTED CORE 001 FL (HMO)Devoted Health · HMO · H1290-001-0 | $0 | $600 | $3,900 | 4.5★ |
| DEVOTED CORE 037 FL (HMO)Devoted Health · HMO · H1290-037-1 · was $4.80 in 2026 | $0 | $650 | $3,900 | 4.5★ |
| HumanaChoice Florida H5216-068 (PPO)Humana · PPO · H5216-068-0 | $0 | $700 | $3,900 | 4.0★ |
| HumanaChoice Florida H7617-107 (PPO)Humana · PPO · H7617-107-0 | $0 | $700 | $3,900 | 4.5★ |
| UHC MedicareMax Medicare Advantage FL-0028 (HMO)UnitedHealthcare · HMO · H5420-001-0 | $0 | $0 | $3,900 | 4.5★ |
| CareSalute (HMO)CarePlus Health Plans, Inc. · HMO · H1019-132-0 | $0 | no drugs | $4,150 | 3.0★ |
| Humana USAA Honor Giveback (PPO)Humana · PPO · H5216-256-0 | $0 | no drugs | $4,900 | 4.0★ |
| Wellcare Giveback (HMO-POS)Wellcare · HMO-POS · H1032-195-0 | $0 | $700 | $5,000 | 4.0★ |
| DEVOTED GIVEBACK EXTRAS 110 FL (HMO)Devoted Health · HMO · H1290-110-0 | $0 | $700 | $5,150 | 4.5★ |
| BlueMedicare Classic (HMO)Florida Blue HMO · HMO · H1035-017-0 | $0 | $700 | $6,675 | 3.5★ |
| BlueMedicare Patriot (PPO)Florida Blue · PPO · H5434-044-0 | $0 | no drugs | $6,750 | 3.0★ |
| Humana USAA Honor Giveback (PPO)Humana · PPO · H7617-108-0 | $0 | no drugs | $6,750 | 4.5★ |
| DEVOTED GIVEBACK 013 FL (HMO)Devoted Health · HMO · H1290-013-0 | $0 | $650 | $7,150 | 4.5★ |
| HumanaChoice Giveback H5216-311 (PPO)Humana · PPO · H5216-311-0 | $0 | $700 | $7,150 | 4.0★ |
| HumanaChoice Giveback H7617-110 (PPO)Humana · PPO · H7617-110-0 | $0 | $700 | $7,150 | 4.5★ |
| HumanaChoice Giveback H7617-145 (PPO)Humana · PPO · H7617-145-0 | $0 | $700 | $7,150 | 4.5★ |
| AARP Medicare Advantage Patriot No Rx FL-MA01 (Regional PPO)UnitedHealthcare · Regional PPO · R0759-002-0 | $0 | no drugs | $9,250 | 3.5★ |
| 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★ |
| HumanaChoice Florida H7284-008 (PPO)Humana · PPO · H7284-008-0 · was $39 in 2026 | $52 | $700 | $4,150 | 3.5★ |
| 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
Miami-Dade County has 41 Medicare Advantage plans open to anyone with Parts A and B for 2027, and 29 of those with drug coverage charge no monthly premium. The lowest in-network out-of-pocket cap is $500, filed by CareOne Plus (HMO) (CarePlus Health Plans, Inc.); the median cap is $3,900 and the highest $9,850. 33 open plans hold a 2027 rating of four stars or more. What sets the county apart is the size of its special needs market: 60 plans, of which 34 for people with both Medicare and Medicaid and 20 for chronic conditions, more than the open plans. Compared with 2026, the county lost 10 plan IDs and gained 5. Every plan is in the list above, sorted by premium.
A market built on medical groups
Humana Inc. (18), Devoted Health, Inc. (5), UnitedHealth Group, Inc. (4), Elevance Health, Inc. (3), Guidewell Mutual Holding Corporation (3), DOCTORS HEALTHCARE PLANS, INC. (2) file the most open plan segments here. Many Miami-Dade HMOs are tied to a network of primary care centers that are paid a fixed amount per member, and the plan chooses which centers you can use. Before picking a $0 plan with a low cap, check that the doctor you see today is in its directory for 2027: the landscape file does not list networks.
Broward next door
Broward County lists 44 open plans and 62 special needs plans, with a lowest cap of $750. People who live near the county line can only join plans filed for their county of residence, even if their doctors are on the other side.
A “$0 plan” over a year
Still paid in 2027
$3,548
| Part B premium (projected) | $2,514 |
| Cost sharing, up to the cap | $1,034 |
| Worst case | $9,264 |
If you have Medicaid too
With 34 dual-eligible plans, a resident who has full Medicaid often has a wider choice than other beneficiaries. These plans coordinate Medicare and Medicaid benefits, and some charge no cost sharing at all. Enrollment rules for people with Medicaid differ from the annual calendar, and a plan that integrates both programs can replace several cards with one: see special needs plans before you switch.
2026 plans not filed again here for 2027
These plan IDs were offered in Miami-Dade 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 Simple (HMO) (Wellcare, H1032-237-0, insurer still present)
- Wellcare Patriot Giveback (HMO) (Wellcare, H1032-239-0, insurer still present)
- DrMax (HMO) (Doctors HealthCare Plans, Inc., H4140-001-0, insurer still present)
- DrSelect (HMO) (Doctors HealthCare Plans, Inc., H4140-012-0, insurer still present)
- DrElite-SFL (HMO) (Doctors HealthCare Plans, Inc., H4140-019-0, insurer still present)
- Humana USAA Honor Giveback (PPO) (Humana, H5216-467-0, insurer still present)
- HealthSpring Preferred (HMO) (HealthSpring, H5410-060-0)
- Simply More (HMO) (Simply Healthcare Plans, Inc., H5471-065-0, insurer still present)
- Simply Extra Platinum (HMO) (Simply Healthcare Plans, Inc., H5471-113-0, insurer still present)
- Simply More Platinum (HMO) (Simply Healthcare Plans, Inc., H5471-114-0, insurer still present)