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

2026 Medicare Advantage Plans in Franklin County, FL

Last update: September 2, 2026.

For 2026, Franklin County, FL includes 20 Medicare Advantage plans. Enrollment across these plans totals approximately 1,343, with 15 $0 premium options and 45% rated 4 stars or higher.

This page and its statistics exclude Medicare Advantage Special Needs Plans (SNPs). Special Needs Plans in Franklin County, FL are summarized separately. Visit Medicare Options in Franklin County, FL to see more options.

  • 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: $20.85/mo
  • $0 Premium Plans: 15
  • Average MOOP: $6,838 ($9,250 max. in 2026)
  • Star Ratings (Plan Mix): 4+ Stars: 45% · 3 Stars: 55% · Below 3: 0%
  • Average Part D Deductible: $467.69
  • Total MA/MAPD Enrollment: 1,343
  • Plans with the Highest Enrollment
    (as of September 8, 2026)
    1. Humana Full Access Giveback H5216-393 (PPO) — 272 enrollees
    2. AARP Medicare Advantage from UHC FL-0016 (PPO) — 267 enrollees
    3. AARP Medicare Advantage from UHC FL-0011 (HMO-POS) — 261 enrollees

Medicare Advantage PPO Plans

Preferred Provider Organization (PPO) plans allow members to choose care from both in-network and out-of-network providers. Out-of-network care usually costs more, but PPOs offer greater flexibility in how members access care.

Total PPO Plans
15
Average Monthly Premium
$19.13/mo
Total PPO Enrollment
931
$0 Premium PPO Plans
12
Average MOOP
$7,443
Top PPO by Enrollment
Humana Full Access Giveback H5216-393 (PPO) — 272 enrollees
PPO Plans Without Drug Coverage
7

2026 PPO Medicare Advantage plans in Franklin County, Florida (comparison chart)
Plan Name CMS Stars* Premium/Mo MOOP Rx Ded. CMS ID
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-0016
☆☆☆☆☆
$0 $6,700 $600 H2406-008-0
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 H5434-040-0
BlueMedicare Value
☆☆☆☆☆
$0 $9,250 $615 H5434-025-0
Humana Full Access Giveback H5216-393
☆☆☆☆☆
$0 $6,750 $600 H5216-393-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $6,750 N/A H5216-467-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $6,000 N/A H5216-257-0
Humana Value Choice H5216-070
☆☆☆☆☆
$0 $6,750 $615 H5216-070-0
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 average monthly premium for PPO plans in Franklin?
PPO plans in Franklin cost $19.13 per month on average.
Which PPO plan has the highest enrollment in Franklin?
The most popular PPO plan in Franklin is Humana Full Access Giveback H5216-393 (PPO), with 272 enrollees.
How many PPO plans in Franklin do not include prescription drug coverage?
7 PPO plans in Franklin do not include prescription drug coverage.

Medicare Advantage HMO Plans

Health Maintenance Organization (HMO) plans are built around a defined network of doctors and hospitals. Care is generally covered only within the network, except in emergencies, but this structure often results in lower premiums and out-of-pocket costs.

Total HMO Plans
4
Average Monthly Premium
$32.50/mo
Total HMO Enrollment
151
$0 Premium HMO Plans
2
Average MOOP
$5,300
Top HMO by Enrollment
Capital Health Plan Advantage Plus (HMO) — 70 enrollees
HMO Plans Without Drug Coverage
0

2026 HMO Medicare Advantage plans in Franklin County, Florida (comparison chart)
Plan Name CMS Stars* Premium/Mo MOOP Rx Ded. CMS ID
Capital Health Plan Advantage Plus
☆☆☆☆☆
$34 $4,500 $250 H5938-001-0
Capital Health Plan Giveback Advantage
☆☆☆☆☆
$0 $6,700 $250 H5938-009-0
Capital Health Plan Preferred Advantage
☆☆☆☆☆
$96 $4,500 $200 H5938-006-0
Capital Health Plan Silver Advantage
☆☆☆☆☆
$0 $5,500 $250 H5938-008-0
What is the total number of HMO plans offered in Franklin?

There are 4 HMO plans in 2026, covering 151 enrollees.

How much do HMO plans cost in Franklin?

The average HMO premium in Franklin is $32.50 per month, with 2 plans offering $0 premiums.

What is the top HMO by enrollment in Franklin?

Capital Health Plan Advantage Plus (HMO) is the top HMO in Franklin, with 70 enrollees.

What is the number of HMO plans without Part D coverage in Franklin?

0 HMO plans in Franklin do not include prescription drug coverage.

Medicare Advantage HMO-POS Plans

HMO-POS plans are structured like HMOs, requiring in-network care for the lowest costs, while allowing limited out-of-network access at higher cost. This provides added flexibility compared with standard HMO plans.

Total HMO-POS Plans
1
Average Monthly Premium
$0.00/mo
Total HMO-POS Enrollment
261
$0 Premium HMO-POS Plans
1
Average MOOP
$3,900
Top HMO-POS by Enrollment
AARP Medicare Advantage from UHC FL-0011 (HMO-POS) — 261 enrollees
HMO-POS Plans Without Drug Coverage
0

2026 HMO-POS Medicare Advantage plans in Franklin County, Florida (comparison chart)
Plan Name CMS Stars* Premium/Mo MOOP Rx Ded. CMS ID
AARP Medicare Advantage from UHC FL-0011
☆☆☆☆☆
$0 $3,900 $270 H1045-041-0

What is the average monthly premium for HMO-POS plans?

HMO-POS plans in Franklin cost $0.00 per month on average.

Which HMO-POS plan is most popular in Franklin?

The most popular HMO-POS plan in Franklin is AARP Medicare Advantage from UHC FL-0011 (HMO-POS), with 261 enrollees.

How many HMO-POS plans in Franklin do not include drug coverage?

There are 0 HMO-POS plans in Franklin without prescription drug coverage.

CMS quality ratings for Medicare Advantage plans in Franklin County, FL (2026) are summarized below.

Medicare Advantage Plan Ratings in Franklin County, FL (2026)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 9 45%
3 Stars 11 55%
Below 3 Stars 0 0%
Not Rated 0 0%
Average Rating 3.9

* CMS assigns Medicare Advantage star ratings annually based on plan quality and performance measures.

  • 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

All plan counts, enrollment totals, averages, and percentage distributions are calculated at the county level using CMS data and include standard Medicare Advantage (MA/MAPD) plans only, based on a consistent aggregation methodology.

Data sources and methodology documentation .

  • Medicare.gov, "Understanding Medicare Advantage Plans" — Last accessed 25 May, 2025
  • Medicare.gov, "Compare Original Medicare & Medicare Advantage" — Last accessed 25 May, 2025
  • NCOA.org, "5 Steps to Choosing the Right Medicare Plan for You" — Last accessed 25 May, 2025

MedicarePlans.com is an independent informational resource and has no affiliation with, or endorsement from, the U.S. Government or the federal Medicare program.

Data provenance is documented in accordance 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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