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2027 Medicare Advantage Plans in Gulf County, FL

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In Gulf County, FL, there are 13 Medicare Advantage plans available for 2027. Of these, 8 offer a $0 monthly premium, and about 46% 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 Gulf County, FL. Or explore all Medicare Options available in Gulf County, FL.

At a Glance

Average Monthly Premium
$35.49/mo
Plans with $0 Premium
8
Average MOOP Limit
$7,396 ($9,250 max. in 2027)
Star Ratings (Plan Mix)
4+ Stars: 46% · 3 Stars: 54% · Below 3: 0%
Average Part D Deductible
$696.25
Total MA/MAPD Enrollment
539
Plans with the Highest Enrollment
(as of October 5, 2026)
1. AARP Medicare Advantage from UHC FL-0011 (HMO-POS) — 221 enrollees
2. Humana Value Choice (PPO) — 101 enrollees
3. BlueMedicare Select (PPO) — 100 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 12
  • Average Monthly Premium $38.45/mo
  • Total PPO Enrollment 318
  • $0 Premium PPO Plans 7
  • Average MOOP $7,642
  • Top PPO by Enrollment Humana Value Choice (PPO) — 101 enrollees
  • PPO Plans Without Drug Coverage 5

Comparison table of 2027 PPO Medicare Advantage Plans available in Gulf County, Florida
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Humana USAA Honor Giveback
☆☆☆☆☆
 $0 $6,000 N/A H5216-257-0
Humana Value Choice
☆☆☆☆☆
 $0 $7,150 $700 H5216-070-0
HumanaChoice R5826-005
☆☆☆☆☆
 $161 $6,700 $700 R5826-005-0
HumanaChoice R5826-018
☆☆☆☆☆
 $0 $7,550 N/A R5826-018-0
HumanaChoice R5826-074
☆☆☆☆☆
 $35 $7,550 $700 R5826-074-0
AARP Medicare Advantage from UHC FL-0031
☆☆☆☆☆
 $127 $9,850 $685 R0759-001-0
AARP Medicare Advantage Patriot No Rx FL-MA01
☆☆☆☆☆
 $0 $9,250 N/A R0759-002-0
Humana Essentials Plus Giveback
☆☆☆☆☆
 $0 $7,150 $700 H7284-012-0
HumanaChoice Florida H7284-009
☆☆☆☆☆
 $39 $6,750 $700 H7284-009-0
BlueMedicare Patriot
☆☆☆☆☆
 $0 $9,850 N/A H5434-046-0
BlueMedicare Patriot Plus
☆☆☆☆☆
 $0 $6,750 N/A H5434-048-0
BlueMedicare Select
☆☆☆☆☆
 $100 $7,150 $700 H5434-045-0
What is the total number of PPO plans offered in Gulf?

There are 12 PPO plans in 2027, covering 318 beneficiaries.

How much do PPO plans cost in Gulf?

The average PPO premium in Gulf is $38.45 per month, with 7 plans offering $0 premiums.

What is the most popular PPO plan in Gulf?

Humana Value Choice (PPO) is the top PPO in Gulf, with 101 enrollees.

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

There are 5 PPO plans in Gulf 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
1
Average Monthly Premium
$0.00/mo
Total HMO-POS Enrollment
221
$0 Premium HMO-POS Plans
1
Average MOOP
$4,450
Top HMO-POS by Enrollment
AARP Medicare Advantage from UHC FL-0011 (HMO-POS) — 221 enrollees
HMO-POS Plans Without Drug Coverage
0

Comparison table of 2027 HMO-POS Medicare Advantage Plans available in Gulf County, Florida
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
AARP Medicare Advantage from UHC FL-0011
☆☆☆☆☆
 $0 $4,450 $685 H1045-041-0
What is the leading HMO-POS plan in Gulf?

AARP Medicare Advantage from UHC FL-0011 (HMO-POS) is the top HMO-POS in Gulf, with 221 enrollees.

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

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

The table below shows CMS star ratings for Medicare Advantage plans in Gulf County, FL for 2027.

CMS Star Ratings for Medicare Advantage Plans in Gulf County, FL (2027)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 6 46%
3 Stars 7 54%
Below 3 Stars 0 0%
Not Rated 0 0%
Average Rating 3.62

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

Primary CMS datasets used for this Medicare Advantage Plan county resource.
Data Source Publisher CMS Version
Landscape Source Files Centers for Medicare & Medicaid Services CY2027 Landscape (202609.1)
Medicare Part C & D Performance Centers for Medicare & Medicaid Services 2027 Star Ratings Data Tables
Plan Benefits Package Centers for Medicare & Medicaid Services PBP Benefits-2027
Monthly Enrollment by Contract/Plan/State/County Centers for Medicare & Medicaid Services 2026-09

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.

Secondary Medicare references and explanatory resources.
Publisher Reference Last Accessed
Medicare.gov Compare types of Medicare Advantage Plans 25 May, 2025
Medicare.gov Your coverage options 25 May, 2025
Medicare.gov Joining a plan 25 May, 2025

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