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  1. 🏠
  2. Medicare Advantage Plans
  3. Florida
  4. Desoto County

2026 Medicare Advantage Plans in Desoto County, FL

Last update: September 1, 2026.

In Desoto County, FL, there are 30 Medicare Advantage plans available for 2026. Of these, 26 offer a $0 monthly premium, and about 57% 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 Desoto County, FL. Or explore all Medicare Options available in Desoto County, FL.

  • PPO Plans
  • HMO Plans
  • HMO-POS Plans

At a Glance

County-level summary of Medicare Advantage plan availability and enrollment based on CMS data.

Average Monthly Premium
$11.51/mo
Plans with $0 Premium
26
Average MOOP Limit
$6,278 ($9,250 max. in 2026)
Star Ratings (Plan Mix)
4+ Stars: 57% · 3 Stars: 43% · Below 3: 0%
Average Part D Deductible
$520.75
Total MA/MAPD Enrollment
2,814
Plans with the Highest Enrollment
(as of September 8, 2026)
1. AARP Medicare Advantage from UHC FL-0012 (HMO-POS) — 871 enrollees
2. Humana Full Access Giveback H5216-393 (PPO) — 430 enrollees
3. AARP Medicare Advantage from UHC FL-0027 (PPO) — 355 enrollees

Medicare Advantage PPO Plans

Preferred Provider Organization (PPO) plans allow members to use both in-network and out-of-network providers. Out-of-network care typically costs more, but PPOs offer greater flexibility in how care is accessed.

Total PPO Plans
23
Average Monthly Premium
$15.01/mo
Total PPO Enrollment
1,712
$0 Premium PPO Plans
19
Average MOOP
$6,776
Top PPO by Enrollment
Humana Full Access Giveback H5216-393 (PPO) — 430 enrollees
PPO Plans Without Drug Coverage
8

PPO Medicare Advantage plan comparison – Desoto County, Florida, 2026
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Aetna Medicare Eagle Giveback
☆☆☆☆☆
$0 $6,750 N/A H5521-306-0
Aetna Medicare Signature
☆☆☆☆☆
$0 $6,750 $615 H5521-710-0
Aetna Medicare Signature
☆☆☆☆☆
$0 $5,500 $615 H5521-272-0
Aetna Medicare Signature
☆☆☆☆☆
$0 $6,750 $615 H5521-033-0
Humana Direct Choice Giveback
☆☆☆☆☆
$0 $6,750 $130 H7617-112-0
Humana Full Access Giveback H7617-111
☆☆☆☆☆
$0 $6,750 $600 H7617-111-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $6,750 N/A H7617-108-0
HumanaChoice Florida H7617-109
☆☆☆☆☆
$0 $4,700 $615 H7617-109-0
AARP Medicare Advantage from UHC FL-0027
☆☆☆☆☆
$0 $5,900 $600 H2406-019-0
AARP Medicare Advantage Patriot No Rx FL-MA2
☆☆☆☆☆
$0 $8,900 N/A H2406-130-0
AARP Medicare Advantage from UHC FL-0031
☆☆☆☆☆
$62 $9,250 $600 R0759-001-0
AARP Medicare Advantage Patriot No Rx FL-MA01
☆☆☆☆☆
$0 $9,250 N/A R0759-002-0
BlueMedicare Patriot
☆☆☆☆☆
$0 $6,750 N/A H5434-046-0
BlueMedicare Select
☆☆☆☆☆
$58 $6,750 $615 H5434-045-0
Humana Direct Choice Giveback
☆☆☆☆☆
$0 $6,750 $250 H5216-452-0
Humana Full Access Giveback H5216-393
☆☆☆☆☆
$0 $6,750 $600 H5216-393-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $6,000 N/A H5216-257-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $6,750 N/A H5216-467-0
HumanaChoice Florida H5216-072
☆☆☆☆☆
$0 $5,600 $615 H5216-072-0
HumanaChoice Florida H5216-304
☆☆☆☆☆
$0 $4,700 $615 H5216-304-0
HumanaChoice R5826-005
☆☆☆☆☆
$184 $6,700 $615 R5826-005-0
HumanaChoice R5826-018
☆☆☆☆☆
$0 $7,550 N/A R5826-018-0
HumanaChoice R5826-074
☆☆☆☆☆
$41 $7,550 $615 R5826-074-0
What is the total number of PPO plans offered in Desoto?

Desoto County has 23 PPO plans for 2026, with 1,712 enrolled.

How much do PPO plans cost in Desoto?

The typical PPO premium in Desoto is $15.01, and 19 plans have no monthly premium.

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
5
Average Monthly Premium
$0.00/mo
Total HMO Enrollment
217
$0 Premium HMO Plans
5
Average MOOP
$4,580
Top HMO by Enrollment
Humana Gold Plus H1036-217 (HMO) — 89 enrollees
HMO Plans Without Drug Coverage
2

HMO Medicare Advantage plan comparison – Desoto County, Florida, 2026
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
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
Wellcare Patriot Giveback
☆☆☆☆☆
$0 $5,000 N/A H1032-239-0
Wellcare Simple
☆☆☆☆☆
$0 $3,000 $615 H1032-199-0
What is the average monthly premium for HMO plans?
HMO plans in Desoto cost $0.00 per month on average.
Which HMO plan is most popular in Desoto?
The most popular HMO plan in Desoto is Humana Gold Plus H1036-217 (HMO), with 89 enrollees.
How many HMO plans in Desoto do not include drug coverage?
There are 2 HMO plans in Desoto without prescription drug coverage.

Medicare Advantage HMO-POS Plans

HMO Point-of-Service (HMO-POS) plans combine HMO network requirements with limited out-of-network access. Care outside the network typically costs more, but HMO-POS plans provide added flexibility compared with standard HMOs.

  • Total HMO-POS Plans 2
  • Average Monthly Premium $0.00/mo
  • Total HMO-POS Enrollment 885
  • $0 Premium HMO-POS Plans 2
  • Average MOOP $4,800
  • Top HMO-POS by Enrollment AARP Medicare Advantage from UHC FL-0012 (HMO-POS) — 871 enrollees
  • HMO-POS Plans Without Drug Coverage 0

HMO-POS Medicare Advantage plan comparison – Desoto County, Florida, 2026
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
AARP Medicare Advantage CareFlex from UHC FL-33
☆☆☆☆☆
$0 $6,700 $600 H1045-058-0
AARP Medicare Advantage from UHC FL-0012
☆☆☆☆☆
$0 $2,900 $270 H1045-042-0
What is the total number of HMO-POS plans in Desoto?

There are 2 HMO-POS plans in 2026, covering 885 enrollees.

How much do HMO-POS plans cost in Desoto?

The average HMO-POS premium in Desoto is $0.00 per month, with 2 plans offering $0 premiums.

What is the leading HMO-POS plan in Desoto?

AARP Medicare Advantage from UHC FL-0012 (HMO-POS) is the top HMO-POS in Desoto, with 871 enrollees.

What is the number of HMO-POS plans without Part D coverage in Desoto?

0 HMO-POS plans in Desoto do not include prescription drug coverage.

The table below shows CMS star ratings for Medicare Advantage plans in Desoto County, FL for 2026.

CMS Star Ratings for Medicare Advantage Plans in Desoto County, FL (2026)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 17 57%
3 Stars 13 43%
Below 3 Stars 0 0%
Not Rated 0 0%
Average Rating 4

* Medicare Advantage star ratings are determined by CMS each year using a standardized 5-star rating system.

  • CMS.gov, Medicare Advantage & Special Needs Plan Landscape Source Files — Version: 202608
  • CMS.gov, Medicare Part C & D Performance Data — Version: 2026
  • CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Version: 2026-08

This page presents county-level Medicare Advantage (MA/MAPD) data, including plan counts, enrollment totals, averages, and percentage distributions, derived from CMS datasets using a standardized aggregation approach.

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
  • AARP.org, "The Big Choice: Original Medicare vs. Medicare Advantage" — Last accessed 25 May, 2025

MedicarePlans.com is an independent, non-government informational resource and is not affiliated with or endorsed by the U.S. Government or the federal Medicare program.

Data provenance documentation is maintained in alignment with the U.S. Core Data for Interoperability (USCDI) Provenance standard .

Page content independently curated and maintained by David W. Bynon, Editorial Steward, using a standardized, data-driven methodology for accurate, non-commercial Medicare plan interpretation and resolution.

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