Medicare Advantage plans in Orange County, Florida (2027)
Orlando's county shows the biggest net drop in open Medicare Advantage plans of any Florida county for 2027, Health First's plans among the losses.
Orange, Florida: plans open to everyone on Parts A and B
45 plans
31 with a $0 premium and drug coverage · out-of-pocket limits $1,000 to $9,850 · best rating 4.5★ · 18 plan IDs of 2026 not renewed here
45 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 |
|---|---|---|---|---|
| Wellcare Simple (HMO-POS)Wellcare · HMO-POS · H1032-213-0 | $0 | $700 | $1,000 | 4.0★ |
| CareOne Plus (HMO-POS)CarePlus Health Plans, Inc. · HMO-POS · H1019-057-0 | $0 | $700 | $2,000 | 4.0★ |
| Freedom Platinum Plan Rx (HMO)Freedom Health, Inc. · HMO · H5427-089-0 | $0 | $0 | $2,000 | 4.0★ |
| HealthSpring Preferred (HMO)HealthSpring · HMO · H5410-024-0 | $0 | $400 | $2,250 | 3.0★ |
| Humana Gold Plus H1036-146 (HMO)Humana · HMO · H1036-146-0 | $0 | $700 | $2,400 | 4.5★ |
| Premier by Ultimate (HMO)Ultimate Health Plans · HMO · H2962-046-0 | $0 | $0 | $2,900 | 3.5★ |
| Solis Healthy Living Plan (HMO)Solis Health Plans · HMO · H0982-024-0 | $0 | $597 | $2,900 | 4.5★ |
| Humana Gold Plus Giveback H1036-269 (HMO)Humana · HMO · H1036-269-0 | $0 | $0 | $3,200 | 4.5★ |
| CareFree Platinum Giveback (HMO)CarePlus Health Plans, Inc. · HMO · H1019-138-0 | $0 | $700 | $3,300 | 4.0★ |
| Freedom Máximo (HMO-POS)Freedom Health, Inc. · HMO-POS · H5427-112-0 | $0 | $0 | $3,400 | 4.0★ |
| Freedom Platinum Rewards Plan Rx (HMO)Freedom Health, Inc. · HMO · H5427-102-0 | $0 | $0 | $3,400 | 4.0★ |
| DrSelect-CFL (HMO)Doctors HealthCare Plans, Inc. · HMO · H4140-025-0 | $0 | $0 | $3,500 | 4.5★ |
| CareFree Giveback (HMO)CarePlus Health Plans, Inc. · HMO · H1019-149-0 | $0 | $700 | $3,850 | 4.0★ |
| AARP Medicare Advantage from UHC FL-0007 (HMO-POS)UnitedHealthcare · HMO-POS · H1045-030-0 | $0 | $595 | $3,900 | 4.0★ |
| Aetna Medicare Select (HMO)Aetna Medicare · HMO · H1609-086-0 | $0 | $200 | $3,900 | 4.0★ |
| DEVOTED CORE 063 FL (HMO)Devoted Health · HMO · H1290-063-0 | $0 | $650 | $3,900 | 4.5★ |
| DEVOTED CORE 005 FL (HMO)Devoted Health · HMO · H1290-005-0 | $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★ |
| BlueMedicare Premier (HMO)Florida Blue HMO · HMO · H1035-026-0 | $0 | $700 | $4,425 | 3.5★ |
| Freedom Savings Plan (HMO)Freedom Health, Inc. · HMO · H5427-052-0 | $0 | no drugs | $4,450 | 4.0★ |
| Optimum Gold Rewards Plan (HMO)Optimum HealthCare, Inc. · HMO · H5594-022-0 | $0 | $0 | $4,450 | 4.5★ |
| DEVOTED GIVEBACK EXTRAS 113 FL (HMO)Devoted Health · HMO · H1290-113-0 | $0 | $700 | $5,150 | 4.5★ |
| Humana Value Choice (PPO)Humana · PPO · H5216-072-0 | $0 | $700 | $5,600 | 4.0★ |
| Humana USAA Honor Giveback (PPO)Humana · PPO · H5216-257-0 | $0 | no drugs | $6,000 | 4.0★ |
| Humana USAA Honor Giveback (HMO)Humana · HMO · H1036-290-0 | $0 | no drugs | $6,700 | 4.5★ |
| BlueMedicare Classic (HMO)Florida Blue HMO · HMO · H1035-020-0 | $0 | $700 | $6,750 | 3.5★ |
| BlueMedicare Patriot (PPO)Florida Blue · PPO · H5434-044-0 | $0 | no drugs | $6,750 | 3.0★ |
| DEVOTED CORE 037 FL (HMO)Devoted Health · HMO · H1290-037-4 · was $4.80 in 2026 | $0 | $650 | $6,750 | 4.5★ |
| Humana USAA Honor Giveback (PPO)Humana · PPO · H7617-108-0 | $0 | no drugs | $6,750 | 4.5★ |
| AARP Medicare Advantage CareFlex from UHC FL-39 (HMO-POS)UnitedHealthcare · HMO-POS · H1045-069-0 | $0 | $685 | $7,150 | 4.0★ |
| AARP Medicare Advantage from UHC FL-0018 (PPO)UnitedHealthcare · PPO · H2406-010-0 | $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 · H5521-569-0 | $0 | $700 | $7,150 | 4.0★ |
| DEVOTED GIVEBACK 018 FL (HMO)Devoted Health · HMO · H1290-018-0 | $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 · H1032-212-0 | $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★ |
| 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
Orange County, Florida, had the largest net cut of any Florida county for 2027: 45 Medicare Advantage plans remain open to anyone with Parts A and B, down from 59, after 18 plan IDs were not filed again and 4 new ones were added. Plans with drug coverage at a $0 premium fell from 41 to 31. Health First's Complete Care, Emerald Plus and Premier Access plans are gone from the county, along with Aetna PPOs, several Humana giveback PPOs and the Simply plans. What remains is still broad: the lowest in-network cap is $1,000, with Wellcare Simple (HMO-POS), the median is $5,150, and 34 plans carry four stars or more for 2027, with Solis Healthy Living Plan (HMO) at 4.5. Humana files 15 of the open plans. Orange County also lists 61 special needs plans, 35 for people with Medicaid.
Health First members: what changes
Health First Health Plans, the Brevard County system, is not filing its 2026 plans for Orange County residents in 2027. Members living in Orange County received a notice and can pick any of the 45 open plans until December 7; a plan chosen in that window starts January 1. Those who miss the date get a special enrollment period, but drug coverage can lapse in between, and a gap of more than 63 days without creditable drug coverage can add a lifelong Part D penalty.
Same name, new ID
DrSelect-CFL appears both in the exit list and among the 2027 plans: the 2026 plan ID ended and a plan with the same name was filed under a new one, now rated 4.5 stars with a $2,900 cap. Plan names alone can mislead; the ID on your card is what counts.
Spreading a large drug bill
Central Florida plans differ more on drug costs than on premiums. Under the 2027 rules a plan may charge up to $700 in drug deductible, and your yearly cost for covered drugs stops at $2,400. If you reach that limit early in the year, the payment plan built into every Part D plan can spread it month by month.
Spread the bill: the payment plan
Per month with the payment plan
$200
| January without it | $1,150 |
| Year total, the same either way | $2,400 |
Seminole, Osceola, Lake
Seminole County lists 46 open plans, Osceola 45 and Lake 48; Hillsborough, toward Tampa, 52. Humana Inc. 15, UnitedHealth Group, Inc. 7, Devoted Health, Inc. 5, Elevance Health, Inc. 5, Guidewell Mutual Holding Corporation 4, CVS Health Corporation 3 lead in Orange County.
2026 plans not filed again here for 2027
These plan IDs were offered in Orange 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)
- Health First Complete Care H1099-023 (HMO) (Health First Health Plans, Inc., H1099-023-0)
- Health First Emerald Plus H1099-024 (HMO) (Health First Health Plans, Inc., H1099-024-0)
- Health First Premier Access H1099-025 (HMO-POS) (Health First Health Plans, Inc., H1099-025-0)
- Aetna Medicare Select Extra (HMO-POS) (Aetna Medicare, H1609-028-0, insurer still present)
- DrSelect-CFL (HMO) (Doctors HealthCare Plans, Inc., H4140-016-0, insurer still present)
- HumanaChoice Florida H5216-304 (PPO) (Humana, H5216-304-0, 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)
- HealthSpring Preferred Savings (HMO) (HealthSpring, H5410-026-0, insurer still present)
- Simply More (HMO) (Simply Healthcare Plans, Inc., H5471-074-0, insurer still present)
- Simply Extra Platinum (HMO) (Simply Healthcare Plans, Inc., H5471-120-0, insurer still present)
- Aetna Medicare Signature (PPO) (Aetna Medicare, H5521-033-0, insurer still present)
- Aetna Medicare Premier (PPO) (Aetna Medicare, H5521-586-0, insurer still present)
- HumanaChoice Florida H7617-109 (PPO) (Humana, H7617-109-0, 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)