Medicare Advantage plans in Palm Beach County, Florida (2027)
Most open plans in Palm Beach County score four stars or more for 2027, and PPOs fill a larger slice of the menu than in Broward or Miami-Dade.
Palm Beach, Florida: plans open to everyone on Parts A and B
49 plans
32 with a $0 premium and drug coverage · out-of-pocket limits $750 to $9,850 · best rating 4.5★ · 10 plan IDs of 2026 not renewed here
49 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-POS)CarePlus Health Plans, Inc. · HMO-POS · H1019-001-0 | $0 | $0 | $750 | 4.0★ |
| Humana Gold Plus H1036-062C (HMO)Humana · HMO · H1036-062-0 | $0 | $0 | $1,625 | 4.5★ |
| Prominence Plus (HMO)Prominence Health Plan · HMO · H7239-001-0 | $0 | $0 | $2,000 | 4.5★ |
| CareAccess (HMO)CarePlus Health Plans, Inc. · HMO · H1019-148-0 | $0 | $0 | $2,250 | 4.0★ |
| Prominence Extra Help (HMO)Prominence Health Plan · HMO · H7239-003-0 · was $4.80 in 2026 | $0 | $700 | $2,500 | 4.5★ |
| Wellcare Simple (HMO-POS)Wellcare · HMO-POS · H1032-196-0 | $0 | $700 | $2,700 | 4.0★ |
| BlueMedicare Premier (HMO)Florida Blue HMO · HMO · H1035-022-0 | $0 | $350 | $2,900 | 3.5★ |
| Solis Healthy Living Plan (HMO)Solis Health Plans · HMO · H0982-008-0 | $0 | $0 | $2,900 | 4.5★ |
| Aetna Medicare Select (HMO)Aetna Medicare · HMO · H1609-020-0 | $0 | $0 | $3,400 | 4.0★ |
| CareFree Platinum Giveback (HMO-POS)CarePlus Health Plans, Inc. · HMO-POS · H1019-135-0 | $0 | $700 | $3,400 | 4.0★ |
| Humana USAA Honor Giveback (HMO)Humana · HMO · H1036-279-0 | $0 | no drugs | $3,400 | 4.5★ |
| UHC Preferred Medicare Advantage FL-002P (HMO)UnitedHealthcare · HMO · H1045-037-0 | $0 | $405 | $3,400 | 4.0★ |
| HealthSun HealthAdvantage Plan (HMO)HealthSun Health Plans, Inc. · HMO · H5431-013-0 | $0 | $0 | $3,450 | 4.5★ |
| HealthSun HealthAdvantage Plus (HMO)HealthSun Health Plans, Inc. · HMO · H5431-020-0 | $0 | $0 | $3,450 | 4.5★ |
| Humana Gold Plus Giveback H1036-305 (HMO)Humana · HMO · H1036-305-0 | $0 | $0 | $3,850 | 4.5★ |
| DEVOTED CORE 037 FL (HMO)Devoted Health · HMO · H1290-037-3 · was $4.80 in 2026 | $0 | $650 | $3,900 | 4.5★ |
| DEVOTED CORE 064 FL (HMO)Devoted Health · HMO · H1290-064-0 | $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★ |
| DEVOTED CORE 003 FL (HMO)Devoted Health · HMO · H1290-003-0 | $0 | $650 | $3,950 | 4.5★ |
| CareSalute (HMO)CarePlus Health Plans, Inc. · HMO · H1019-132-0 | $0 | no drugs | $4,150 | 3.0★ |
| AARP Medicare Advantage from UHC FL-0015 (HMO-POS)UnitedHealthcare · HMO-POS · H1045-055-0 | $0 | $685 | $4,450 | 4.0★ |
| 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★ |
| Humana USAA Honor Giveback (PPO)Humana · PPO · H5216-256-0 | $0 | no drugs | $4,900 | 4.0★ |
| CareFree Giveback (HMO)CarePlus Health Plans, Inc. · HMO · H1019-065-0 | $0 | $700 | $5,000 | 4.0★ |
| Wellcare Giveback (HMO-POS)Wellcare · HMO-POS · H1032-195-0 | $0 | $700 | $5,000 | 4.0★ |
| DEVOTED GIVEBACK EXTRAS 114 FL (HMO)Devoted Health · HMO · H1290-114-0 | $0 | $700 | $5,150 | 4.5★ |
| BlueMedicare Patriot (PPO)Florida Blue · PPO · H5434-044-0 | $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★ |
| AARP Medicare Advantage from UHC FL-0026 (PPO)UnitedHealthcare · PPO · H2406-018-0 | $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 · H5521-033-0 | $0 | $700 | $7,150 | 4.0★ |
| DEVOTED GIVEBACK 015 FL (HMO)Devoted Health · HMO · H1290-015-0 | $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★ |
| Prominence Giveback (HMO)Prominence Health Plan · HMO · H7239-004-0 | $0 | $0 | $7,500 | 4.5★ |
| 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★ |
| BlueMedicare Value (PPO)Florida Blue · PPO · H5434-026-0 | $0 | $700 | $9,250 | 3.0★ |
| 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★ |
| 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★ |
| Prominence Meridian (HMO-POS)Prominence Health Plan · HMO-POS · H7239-006-0 | $159 | $350 | $3,000 | 4.5★ |
| 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
Palm Beach County scores well on quality in 2027: 38 of its 49 Medicare Advantage plans open to anyone with Parts A and B carry four stars or more in the ratings CMS released on October 8, 2026, against 34 of 44 in Broward. The menu also leans more toward PPOs than the rest of South Florida, with 21 PPOs and 28 HMOs (Broward has 17 PPOs, Miami-Dade 15), which suits residents who split the year between Florida and a home up north. 32 drug-covering plans have a $0 premium; the lowest in-network cap is $750, with CareOne Plus (HMO-POS), and the median $4,450. DEVOTED CORE 064 FL (HMO) pairs 4.5 stars with a $3,900 cap. Humana files 19 plans, and Prominence Health Plan adds a local network. There were 55 open plans in 2026; 10 IDs ended and 4 are new. 62 special needs plans complete the list.
Four stars are common here, so look one level deeper
When most plans carry four stars or more, the rating stops separating them. What still differs is the cap, the drug deductible, and whether your doctors are in the network. Prominence Plus and Prominence Extra Help, from the Prominence Health Plan tied to Universal Health Services hospitals, sit near the bottom of the cap ranking. Humana Gold Plus and the CarePlus plans fill the middle. Read the cap first, then the network, then the stars.
PPOs for two-home retirees
An HMO covers routine care only in its Florida network; out of state, it pays for emergencies and urgent care. A PPO from Florida Blue, UnitedHealthcare, Humana or Devoted pays part of the cost of a doctor in New York or Ohio too. Several Aetna PPOs, among them Aetna Medicare Signature, Premier and Signature Extra, are not in the 2027 file, so former members must choose again by December 7.
A retirement income that dropped
Many new retirees are surprised by IRMAA, the surcharge on Part B and drug premiums for higher incomes, which starts above $109,000 for a single filer in 2026. It uses the tax return from two years earlier. If your income fell after you stopped working, Social Security can use the newer figure.
After retirement: new income, new bracket
Saved per year if SSA uses the new income
$4,620
| Part B now | $527.50 |
| Part B with the new income | $202.90 |
Single filer, 2026 tables. Form SSA-44 asks for this after a life-changing event.
North to Martin, south to Broward
Martin County lists 33 open plans with caps from $1,750; Broward has 44. Florida as a whole has 308.
2026 plans not filed again here for 2027
These plan IDs were offered in Palm Beach 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)
- Aetna Medicare Select Extra (HMO-POS) (Aetna Medicare, H1609-028-0, insurer still present)
- Humana USAA Honor Giveback (PPO) (Humana, H5216-467-0, insurer still present)
- HealthSpring Preferred (HMO) (HealthSpring, H5410-060-0)
- Simply Extra Platinum (HMO) (Simply Healthcare Plans, Inc., H5471-123-0, insurer still present)
- Simply More Platinum (HMO) (Simply Healthcare Plans, Inc., H5471-124-0, insurer still present)
- Aetna Medicare Signature (PPO) (Aetna Medicare, H5521-273-0, insurer still present)
- Aetna Medicare Signature (PPO) (Aetna Medicare, H5521-432-0, insurer still present)
- Aetna Medicare Premier (PPO) (Aetna Medicare, H5521-688-0, insurer still present)
- Aetna Medicare Signature Extra (PPO) (Aetna Medicare, H5521-704-0, insurer still present)