2026 Medicare Advantage Plans in Charlotte County, FL
Last update: . Enrollment data updated: May 2, 2026
In Charlotte County, FL, there are 41 Medicare Advantage plans available for 2026. Of these, 37 offer a $0 monthly premium, and about 63% are rated 4 stars or higher based on CMS quality ratings.
Medicare Advantage Special Needs Plans (SNPs) are not included in the figures shown above. View Special Needs Plans in Charlotte County, FL. Or explore all Medicare Options available in Charlotte County, FL.
Medicare Advantage PPO Plans
Preferred Provider Organization (PPO) plans allow access to both in-network and out-of-network providers. Out-of-network care usually costs more, but PPOs offer greater flexibility in choosing doctors and hospitals.
- Total PPO Plans 24
- Average Monthly Premium $18.36/mo
- Total PPO Enrollment 19,351
- $0 Premium PPO Plans 20
- Average MOOP $6,808
- Top PPO by Enrollment Aetna Medicare Signature (PPO) — 5,065 enrollees
- PPO Plans Without Drug Coverage 8
What is the total number of PPO plans offered in Charlotte?
There are 24 PPO plans in 2026, covering 19,351 beneficiaries.
How much do PPO plans cost in Charlotte?
The average PPO premium in Charlotte is $18.36 per month, with 20 plans offering $0 premiums.
What is the most popular PPO plan in Charlotte?
Aetna Medicare Signature (PPO) is the top PPO in Charlotte, with 5,065 enrollees.
What is the number of PPO plans without Part D coverage in Charlotte?
There are 8 PPO plans in Charlotte without prescription drug coverage.
Medicare Advantage HMO Plans
HMO plans typically require members to use in-network providers and facilities, except in emergencies. In return, HMOs often offer lower monthly premiums and reduced cost-sharing.
- Total HMO Plans
- 13
- Average Monthly Premium
- $0.00/mo
- Total HMO Enrollment
- 5,378
- $0 Premium HMO Plans
- 13
- Average MOOP
- $4,727
- Top HMO by Enrollment
- Humana Gold Plus H1036-217 (HMO) — 1,525 enrollees
- HMO Plans Without Drug Coverage
- 2
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| Aetna Medicare Select | $0 | $3,300 | $0 | H1609-027-0 | |
| Freedom Medicare Plan Rx | $0 | $4,200 | $0 | H5427-059-0 | |
| Freedom Platinum Plan Rx | $0 | $2,750 | $0 | H5427-091-0 | |
| Freedom Platinum Rewards Plan Rx | $0 | $3,400 | $0 | H5427-105-0 | |
| Humana Gold Plus Giveback H1036-278 | $0 | $4,400 | $0 | H1036-278-0 | |
| Humana Gold Plus H1036-217 | $0 | $3,800 | $615 | H1036-217-0 | |
| Humana USAA Honor Giveback | $0 | $6,700 | N/A | H1036-290-0 | |
| BlueMedicare Classic | $0 | $6,750 | $615 | H1035-019-0 | |
| BlueMedicare Premier | $0 | $4,200 | $615 | H1035-045-0 | |
| Wellcare Giveback | $0 | $7,200 | $615 | H1032-198-0 | |
| Wellcare Patriot Giveback | $0 | $5,000 | N/A | H1032-239-0 | |
| Wellcare Simple | $0 | $3,000 | $615 | H1032-199-0 | |
| HealthSpring Preferred | $0 | $6,750 | $615 | H5410-060-0 |
What is the average monthly premium for HMO plans?
HMO plans in Charlotte cost $0.00 per month on average.
Which HMO plan is most popular in Charlotte?
The most popular HMO plan in Charlotte is Humana Gold Plus H1036-217 (HMO), with 1,525 enrollees.
How many HMO plans in Charlotte do not include drug coverage?
There are 2 HMO plans in Charlotte without prescription drug coverage.
Medicare Advantage HMO-POS Plans
HMO Point-of-Service (HMO-POS) plans combine HMO network rules with limited out-of-network access. Care outside the network typically costs more, but HMO-POS plans provide added flexibility compared with standard HMOs.
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| AARP Medicare Advantage CareFlex from UHC FL-34 | $0 | $6,700 | $600 | H1045-059-0 | |
| AARP Medicare Advantage from UHC FL-0006 | $0 | $3,800 | $270 | H1045-028-0 | |
| AARP Medicare Advantage from UHC FL-0010 | $0 | $3,400 | $270 | H1045-034-0 | |
| Aetna Medicare Select Extra | $0 | $6,750 | $615 | H1609-028-0 |
What is the leading HMO-POS plan in Charlotte?
AARP Medicare Advantage from UHC FL-0006 (HMO-POS) is the top HMO-POS in Charlotte, with 2,097 enrollees.
What is the number of HMO-POS plans without Part D coverage in Charlotte?
0 HMO-POS plans in Charlotte do not include prescription drug coverage.
The table below shows CMS star ratings for Medicare Advantage plans in Charlotte County, FL for 2026.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | No 5-star plans available. | 0% |
| 4 Stars (includes 5 Stars) | 26 | 63% |
| 3 Stars | 15 | 37% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 0 | 0% |
| Average Rating | 4.05 | |
* Medicare Advantage star ratings are determined by CMS each year using a standardized 5-star rating system.
- CMS.gov, Medicare Advantage Landscape Source Files — Last accessed May 2, 2026
- CMS.gov, Medicare Part C & D Performance Data — Last accessed May 2, 2026
- CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Last accessed May 2, 2026
County-level figures shown on this page, including plan counts, enrollment totals, averages, and percentage distributions, reflect standard Medicare Advantage (MA/MAPD) plans only and are derived from CMS datasets using a standardized aggregation methodology.
Data sources and methodology documentation .
- Medicare.gov, "Compare types of Medicare Advantage Plans" — Last accessed 25 May, 2025
- Medicare.gov, "Your coverage options" — Last accessed 25 May, 2025
- Medicare.gov, "Joining a plan" — Last accessed 25 May, 2025
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