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2027 Medicare Advantage Plans in Hernando County, FL

Last update: .

In Hernando County, FL, there are 40 Medicare Advantage plans available for 2027. Of these, 37 offer a $0 monthly premium, and about 75% are rated 4 stars or higher based on CMS quality ratings.

At a Glance

Average Monthly Premium
$8.08/mo
Plans with $0 Premium
37
Average MOOP Limit
$5,540 ($9,250 max. in 2027)
Star Ratings (Plan Mix)
4+ Stars: 75% · 3 Stars: 25% · Below 3: 0%
Average Part D Deductible
$480.10
Total MA/MAPD Enrollment
16,872
Plans with the Highest Enrollment
(as of October 5, 2026)
1. Optimum Gold Plus Plan (HMO) — 3,748 enrollees
2. Humana Gold Plus Giveback H1036-265 (HMO) — 3,147 enrollees
3. AARP Medicare Advantage from UHC FL-0019 (PPO) — 1,513 enrollees

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. To understand how local plans fit into the broader market, visit our Florida Medicare Advantage plan directory for statewide plan counts, premiums, out-of-pocket limits, CMS ratings, and enrollment data.

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
18
Average Monthly Premium
$17.94/mo
Total PPO Enrollment
3,449
$0 Premium PPO Plans
15
Average MOOP
$7,444
Top PPO by Enrollment
AARP Medicare Advantage from UHC FL-0019 (PPO) — 1,513 enrollees
PPO Plans Without Drug Coverage
8

PPO Medicare Advantage plan comparison – Hernando County, Florida, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Humana Essentials Plus Giveback
☆☆☆☆☆
 $0 $7,150 $700 H7617-126-0
Humana USAA Honor Giveback
☆☆☆☆☆
 $0 $6,750 N/A H7617-108-0
AARP Medicare Advantage from UHC FL-0019
☆☆☆☆☆
 $0 $7,150 $685 H2406-011-0
AARP Medicare Advantage Patriot No Rx FL-MA2
☆☆☆☆☆
 $0 $8,900 N/A H2406-130-0
Aetna Medicare Eagle Giveback
☆☆☆☆☆
 $0 $7,150 N/A H5521-306-0
Aetna Medicare Signature
☆☆☆☆☆
 $0 $7,150 $700 H5521-702-0
Aetna Medicare Signature Legacy
☆☆☆☆☆
 $0 $7,150 $700 H5521-270-0
DEVOTED CHOICE GIVEBACK 008 FL
☆☆☆☆☆
 $0 $9,850 $461 H9884-008-0
Humana USAA Honor Giveback
☆☆☆☆☆
 $0 $6,000 N/A H5216-257-0
Humana Value Choice
☆☆☆☆☆
 $0 $5,600 $700 H5216-072-0
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
BlueMedicare Patriot
☆☆☆☆☆
 $0 $6,750 N/A H5434-042-0
BlueMedicare Patriot Plus
☆☆☆☆☆
 $0 $6,750 N/A H5434-048-0
BlueMedicare Value
☆☆☆☆☆
 $0 $6,750 $597 H5434-035-0
What is the total number of PPO plans offered in Hernando?

Hernando County has 18 PPO plans for 2027, with 3,449 enrolled.

How much do PPO plans cost in Hernando?

The typical PPO premium in Hernando is $17.94, and 15 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
18
Average Monthly Premium
$0.00/mo
Total HMO Enrollment
11,282
$0 Premium HMO Plans
18
Average MOOP
$3,858
Top HMO by Enrollment
Optimum Gold Plus Plan (HMO) — 3,748 enrollees
HMO Plans Without Drug Coverage
2

HMO Medicare Advantage plan comparison – Hernando County, Florida, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
DEVOTED CORE 036 FL
☆☆☆☆☆
 $0 $3,950 $650 H1290-036-1
DEVOTED CORE 037 FL
☆☆☆☆☆
 $0 $3,900 $650 H1290-037-5
DEVOTED CORE 058 FL
☆☆☆☆☆
 $0 $3,900 $650 H1290-058-0
DEVOTED GIVEBACK 051 FL
☆☆☆☆☆
 $0 $7,150 $650 H1290-051-1
DEVOTED GIVEBACK EXTRAS 106 FL
☆☆☆☆☆
 $0 $5,150 $700 H1290-106-0
Humana Gold Plus Giveback H1036-265
☆☆☆☆☆
 $0 $2,400 $0 H1036-265-1
Humana Gold Plus H1036-025
☆☆☆☆☆
 $0 $2,000 $0 H1036-025-0
Humana USAA Honor Giveback
☆☆☆☆☆
 $0 $3,900 N/A H1036-119-0
Optimum Gold Plus Plan
☆☆☆☆☆
 $0 $1,900 $0 H5594-032-0
Optimum Gold Rewards Plan
☆☆☆☆☆
 $0 $1,900 $0 H5594-001-0
Optimum Platinum Plan
☆☆☆☆☆
 $0 $1,000 $0 H5594-002-0
Aetna Medicare Select
☆☆☆☆☆
 $0 $3,900 $200 H1609-087-0
Freedom Savings Plan
☆☆☆☆☆
 $0 $4,450 N/A H5427-052-0
BlueMedicare Classic
☆☆☆☆☆
 $0 $6,750 $700 H1035-021-0
BlueMedicare Premier
☆☆☆☆☆
 $0 $5,500 $615 H1035-034-0
BlueMedicare Premier Plus
☆☆☆☆☆
 $0 $2,700 $350 H1035-060-0
Premier by Ultimate
☆☆☆☆☆
 $0 $1,900 $0 H2962-001-0
HealthSpring Preferred
☆☆☆☆☆
 $0 $7,100 $400 H5410-059-0
What is the average monthly premium for HMO plans?
HMO plans in Hernando cost $0.00 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 3,748 enrollees.
How many HMO plans in Hernando do not include drug coverage?
There are 2 HMO plans in Hernando 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 4
  • Average Monthly Premium $0.00/mo
  • Total HMO-POS Enrollment 2,141
  • $0 Premium HMO-POS Plans 4
  • Average MOOP $4,538
  • Top HMO-POS by Enrollment AARP Medicare Advantage from UHC FL-0013 (HMO-POS) — 1,141 enrollees
  • HMO-POS Plans Without Drug Coverage 0

HMO-POS Medicare Advantage plan comparison – Hernando County, Florida, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
AARP Medicare Advantage from UHC FL-0006
☆☆☆☆☆
 $0 $3,800 $405 H1045-028-0
AARP Medicare Advantage from UHC FL-0013
☆☆☆☆☆
 $0 $4,450 $405 H1045-043-0
Wellcare Giveback
☆☆☆☆☆
 $0 $7,200 $700 H1032-200-0
Wellcare Simple
☆☆☆☆☆
 $0 $2,700 $700 H1032-201-0
What is the total number of HMO-POS plans in Hernando?

There are 4 HMO-POS plans in 2027, covering 2,141 enrollees.

How much do HMO-POS plans cost in Hernando?

The average HMO-POS premium in Hernando is $0.00 per month, with 4 plans offering $0 premiums.

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 1,141 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 2027.

CMS Star Ratings for Medicare Advantage Plans in Hernando County, FL (2027)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 30 75%
3 Stars 10 25%
Below 3 Stars 0 0%
Not Rated 0 0%
Average Rating 3.99

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

Medicare Advantage plans listed on this page are available to eligible beneficiaries residing in Hernando County, Florida, including communities such as Brooksville, Spring Hill, and other areas throughout the county. Plan availability is determined by county of residence, not by city.

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 .

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