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

2026 Medicare Advantage Plans in Flagler County, FL

Last update: September 1, 2026.

In Flagler County, FL, there are 43 Medicare Advantage plans available for 2026. Of these, 37 offer a $0 monthly premium, and about 70% 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 Flagler County, FL. Or explore all Medicare Options available in Flagler 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
$10.44/mo
Plans with $0 Premium
37
Average MOOP Limit
$6,043 ($9,250 max. in 2026)
Star Ratings (Plan Mix)
4+ Stars: 70% · 3 Stars: 30% · Below 3: 0%
Average Part D Deductible
$498.13
Total MA/MAPD Enrollment
19,648
Plans with the Highest Enrollment
(as of September 8, 2026)
1. Humana Full Access Giveback H5216-393 (PPO) — 3,113 enrollees
2. Humana Gold Plus Giveback H1036-157 (HMO) — 2,498 enrollees
3. AARP Medicare Advantage from UHC FL-0021 (PPO) — 2,146 enrollees

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 21
  • Average Monthly Premium $19.05/mo
  • Total PPO Enrollment 9,585
  • $0 Premium PPO Plans 16
  • Average MOOP $7,205
  • Top PPO by Enrollment Humana Full Access Giveback H5216-393 (PPO) — 3,113 enrollees
  • PPO Plans Without Drug Coverage 8

Comparison table of 2026 PPO Medicare Advantage Plans available in Flagler County, Florida
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 Premier
☆☆☆☆☆
$74 $6,750 $615 H5521-706-0
Aetna Medicare Signature
☆☆☆☆☆
$0 $6,750 $615 H5521-705-0
Aetna Medicare Signature
☆☆☆☆☆
$0 $5,900 $615 H5521-434-0
Aetna Medicare Signature
☆☆☆☆☆
$0 $6,750 $615 H5521-269-0
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
AARP Medicare Advantage from UHC FL-0021
☆☆☆☆☆
$0 $6,700 $600 H2406-013-0
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 H5434-044-0
BlueMedicare Value
☆☆☆☆☆
$0 $9,250 $615 H5434-031-0
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
Humana Value Choice H5216-070
☆☆☆☆☆
$0 $6,750 $615 H5216-070-0
HumanaChoice Florida H7284-009
☆☆☆☆☆
$39 $6,750 $615 H7284-009-0
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 Flagler?

There are 21 PPO plans in 2026, covering 9,585 beneficiaries.

How much do PPO plans cost in Flagler?

The average PPO premium in Flagler is $19.05 per month, with 16 plans offering $0 premiums.

What is the most popular PPO plan in Flagler?

Humana Full Access Giveback H5216-393 (PPO) is the top PPO in Flagler, with 3,113 enrollees.

What is the number of PPO plans without Part D coverage in Flagler?

There are 8 PPO plans in Flagler 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
18
Average Monthly Premium
$0.00/mo
Total HMO Enrollment
7,835
$0 Premium HMO Plans
18
Average MOOP
$4,806
Top HMO by Enrollment
Humana Gold Plus Giveback H1036-157 (HMO) — 2,498 enrollees
HMO Plans Without Drug Coverage
3

Comparison table of 2026 HMO Medicare Advantage Plans available in Flagler County, Florida
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
DEVOTED CORE 050 FL
☆☆☆☆☆
$0 $4,900 $595 H1290-050-0
DEVOTED CORE 057 FL
☆☆☆☆☆
$0 $4,900 $0 H1290-057-0
DEVOTED GIVEBACK 049 FL
☆☆☆☆☆
$0 $6,750 $605 H1290-049-0
Aetna Medicare Select
☆☆☆☆☆
$0 $3,900 $200 H1609-059-0
CarePlus Health Plans, Inc. CareAccess
☆☆☆☆☆
$0 $3,750 $615 H1019-144-0
CareFree Platinum Giveback
☆☆☆☆☆
$0 $3,900 $0 H1019-094-0
CareOne Plus
☆☆☆☆☆
$0 $3,500 $615 H1019-113-0
CarePlus Health Plans, Inc. CareSalute
☆☆☆☆☆
$0 $3,900 N/A H1019-132-0
Humana Gold Plus Giveback H1036-157
☆☆☆☆☆
$0 $3,700 $615 H1036-157-0
Humana Gold Plus H1036-044
☆☆☆☆☆
$0 $2,700 $615 H1036-044-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $6,700 N/A H1036-290-0
FHCP Medicare Classic
☆☆☆☆☆
$0 $9,250 $615 H1035-040-0
Health First Emerald Plus H1099-028
☆☆☆☆☆
$0 $3,700 $0 H1099-028-0
Health First SunSaver H1099-016
☆☆☆☆☆
$0 $3,500 $0 H1099-016-0
Wellcare Giveback
☆☆☆☆☆
$0 $7,200 $615 H1032-204-0
Wellcare Patriot Giveback
☆☆☆☆☆
$0 $5,000 N/A H1032-239-0
Wellcare Simple
☆☆☆☆☆
$0 $2,500 $615 H1032-205-0
HealthSpring Preferred
☆☆☆☆☆
$0 $6,750 $615 H5410-059-0

What is the average monthly premium for HMO plans?

HMO plans in Flagler cost $0.00 per month on average.

Which HMO plan is most popular in Flagler?

The most popular HMO plan in Flagler is Humana Gold Plus Giveback H1036-157 (HMO), with 2,498 enrollees.

How many HMO plans in Flagler do not include drug coverage?

There are 3 HMO plans in Flagler 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.

Total HMO-POS Plans
4
Average Monthly Premium
$12.25/mo
Total HMO-POS Enrollment
2,228
$0 Premium HMO-POS Plans
3
Average MOOP
$5,513
Top HMO-POS by Enrollment
AARP Medicare Advantage from UHC FL-0005 (HMO-POS) — 1,622 enrollees
HMO-POS Plans Without Drug Coverage
0

Comparison table of 2026 HMO-POS Medicare Advantage Plans available in Flagler County, Florida
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
AARP Medicare Advantage CareFlex from UHC FL-37
☆☆☆☆☆
$0 $6,700 $600 H1045-067-0
AARP Medicare Advantage from UHC FL-0005
☆☆☆☆☆
$0 $3,900 $270 H1045-026-0
FHCP Medicare Rx Plus
☆☆☆☆☆
$49 $6,750 $615 H1035-002-0
Health First Premier Access H1099-027
☆☆☆☆☆
$0 $4,700 $200 H1099-027-0
What is the leading HMO-POS plan in Flagler?

AARP Medicare Advantage from UHC FL-0005 (HMO-POS) is the top HMO-POS in Flagler, with 1,622 enrollees.

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

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

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

CMS Star Ratings for Medicare Advantage Plans in Flagler County, FL (2026)
Rating Category Number of Plans Percent of Plans
5 Stars 3 7%
4 Stars (includes 5 Stars) 30 70%
3 Stars 13 30%
Below 3 Stars 0 0%
Not Rated 0 0%
Average Rating 4.12

* 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

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

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.

This page follows data provenance practices aligned with the 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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