2026 Medicare Advantage Plans in Hernando County, FL
Last update: . Enrollment data updated: June 13, 2026
In Hernando County, FL, there are 51 Medicare Advantage plans available for 2026. Of these, 47 offer a $0 monthly premium, and about 73% 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 Hernando County, FL. Or explore all Medicare Options available in Hernando 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 $11.96/mo
- Total PPO Enrollment 7,199
- $0 Premium PPO Plans 21
- Average MOOP $6,931
- Top PPO by Enrollment Humana Full Access Giveback H5216-393 (PPO) — 1,746 enrollees
- PPO Plans Without Drug Coverage 8
What is the total number of PPO plans offered in Hernando?
There are 24 PPO plans in 2026, covering 7,199 beneficiaries.
How much do PPO plans cost in Hernando?
The average PPO premium in Hernando is $11.96 per month, with 21 plans offering $0 premiums.
What is the most popular PPO plan in Hernando?
Humana Full Access Giveback H5216-393 (PPO) is the top PPO in Hernando, with 1,746 enrollees.
What is the number of PPO plans without Part D coverage in Hernando?
There are 8 PPO plans in Hernando 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
- 23
- Average Monthly Premium
- $0.21/mo
- Total HMO Enrollment
- 12,447
- $0 Premium HMO Plans
- 22
- Average MOOP
- $3,817
- Top HMO by Enrollment
- Optimum Gold Plus Plan (HMO) — 3,820 enrollees
- HMO Plans Without Drug Coverage
- 3
What is the average monthly premium for HMO plans?
HMO plans in Hernando cost $0.21 per month on average.
Which HMO plan is most popular in Hernando?
The most popular HMO plan in Hernando is Optimum Gold Plus Plan (HMO), with 3,820 enrollees.
How many HMO plans in Hernando do not include drug coverage?
There are 3 HMO plans in Hernando 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-32 | $0 | $6,700 | $600 | H1045-057-0 | |
| AARP Medicare Advantage from UHC FL-0006 | $0 | $3,800 | $270 | H1045-028-0 | |
| AARP Medicare Advantage from UHC FL-0013 | $0 | $3,500 | $270 | H1045-043-0 | |
| Health First Premier Access H1099-025 | $0 | $4,500 | $200 | H1099-025-0 |
What is the leading HMO-POS plan in Hernando?
AARP Medicare Advantage from UHC FL-0013 (HMO-POS) is the top HMO-POS in Hernando, with 1,104 enrollees.
What is the number of HMO-POS plans without Part D coverage in Hernando?
0 HMO-POS plans in Hernando do not include prescription drug coverage.
The table below shows CMS star ratings for Medicare Advantage plans in Hernando County, FL for 2026.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | 4 | 8% |
| 4 Stars (includes 5 Stars) | 37 | 73% |
| 3 Stars | 14 | 27% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 0 | 0% |
| Average Rating | 4.16 | |
* 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 June 13, 2026
- CMS.gov, Medicare Part C & D Performance Data — Last accessed June 13, 2026
- CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Last accessed June 13, 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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