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  1. 🏠
  2. Medicare Advantage Plans
  3. Florida
  4. Indian River County

2027 Medicare Advantage Plans in Indian River County, FL

Last update: October 4, 2026.

In Indian River County, FL, there are 43 Medicare Advantage plans available for 2027. Of these, 38 offer a $0 monthly premium, and about 88% are rated 4 stars or higher based on CMS quality ratings.

  • 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
$10.19/mo
Plans with $0 Premium
38
Average MOOP Limit
$5,534 ($9,250 max. in 2027)
Star Ratings (Plan Mix)
4+ Stars: 88% · 3 Stars: 12% · Below 3: 0%
Average Part D Deductible
$563.36
Total MA/MAPD Enrollment
17,665
Plans with the Highest Enrollment
(as of October 5, 2026)
1. AARP Medicare Advantage from UHC FL-0025 (PPO) — 3,742 enrollees
2. HumanaChoice Giveback H5216-311 (PPO) — 2,567 enrollees
3. BlueMedicare Value (PPO) — 2,141 enrollees

Medicare Advantage Special Needs Plans (SNPs) are not included in the figures shown above. View Special Needs Plans in Indian River County, FL. Or explore all Medicare Options available in Indian River 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 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 18
  • Average Monthly Premium $17.94/mo
  • Total PPO Enrollment 11,794
  • $0 Premium PPO Plans 15
  • Average MOOP $7,331
  • Top PPO by Enrollment AARP Medicare Advantage from UHC FL-0025 (PPO) — 3,742 enrollees
  • PPO Plans Without Drug Coverage 7

Comparison table of 2027 PPO Medicare Advantage Plans available in Indian River County, Florida
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $6,750 N/A H7617-108-0
HumanaChoice Giveback H7617-110
☆☆☆☆☆
$0 $7,150 $700 H7617-110-0
HumanaChoice Giveback H7617-145
☆☆☆☆☆
$0 $7,150 $700 H7617-145-0
AARP Medicare Advantage from UHC FL-0025
☆☆☆☆☆
$0 $7,150 $685 H2406-017-0
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
DEVOTED CHOICE GIVEBACK 008 FL
☆☆☆☆☆
$0 $9,850 $461 H9884-008-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $4,900 N/A H5216-256-0
HumanaChoice Florida H5216-062
☆☆☆☆☆
$0 $4,450 $700 H5216-062-0
HumanaChoice Florida H5216-472
☆☆☆☆☆
$0 $4,450 $700 H5216-472-0
HumanaChoice Giveback H5216-311
☆☆☆☆☆
$0 $7,150 $700 H5216-311-0
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 H5434-044-0
BlueMedicare Value
☆☆☆☆☆
$0 $9,250 $700 H5434-026-0
What is the total number of PPO plans offered in Indian River?

There are 18 PPO plans in 2027, covering 11,794 beneficiaries.

How much do PPO plans cost in Indian River?

The average PPO premium in Indian River is $17.94 per month, with 15 plans offering $0 premiums.

What is the most popular PPO plan in Indian River?

AARP Medicare Advantage from UHC FL-0025 (PPO) is the top PPO in Indian River, with 3,742 enrollees.

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

There are 7 PPO plans in Indian River 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
19
Average Monthly Premium
$1.32/mo
Total HMO Enrollment
2,723
$0 Premium HMO Plans
18
Average MOOP
$4,258
Top HMO by Enrollment
Premier by Ultimate (HMO) — 433 enrollees
HMO Plans Without Drug Coverage
3

Comparison table of 2027 HMO Medicare Advantage Plans available in Indian River County, Florida
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
DEVOTED CORE 046 FL
☆☆☆☆☆
$0 $4,950 $650 H1290-046-0
DEVOTED CORE 066 FL
☆☆☆☆☆
$0 $4,700 $650 H1290-066-0
DEVOTED GIVEBACK 045 FL
☆☆☆☆☆
$0 $7,700 $650 H1290-045-0
DEVOTED GIVEBACK EXTRAS 116 FL
☆☆☆☆☆
$0 $5,700 $700 H1290-116-0
Humana Gold Plus Reach Giveback H1036-286
☆☆☆☆☆
$0 $5,500 $0 H1036-286-0
Humana Gold Plus Reach H1036-229
☆☆☆☆☆
$0 $3,800 $700 H1036-229-0
Aetna Medicare Select
☆☆☆☆☆
$0 $3,900 $200 H1609-063-0
CarePlus Health Plans, Inc. CareAccess
☆☆☆☆☆
$0 $4,000 $700 H1019-144-0
CareFree Giveback
☆☆☆☆☆
$0 $4,200 $700 H1019-134-0
CareFree Platinum Giveback
☆☆☆☆☆
$0 $4,200 $700 H1019-139-0
CarePlus Health Plans, Inc. CareSalute
☆☆☆☆☆
$0 $4,150 N/A H1019-132-0
Freedom Platinum Plan Rx
☆☆☆☆☆
$0 $1,750 $0 H5427-088-0
Freedom Platinum Rewards Plan Rx
☆☆☆☆☆
$0 $3,400 $0 H5427-106-0
Freedom Savings Plan
☆☆☆☆☆
$0 $4,450 N/A H5427-052-0
Health First Emerald Plus H1099-026
☆☆☆☆☆
$0 $4,700 $700 H1099-026-0
Health First Rewards H1099-014
☆☆☆☆☆
$0 $4,100 $700 H1099-014-0
Health First Secure H1099-009
☆☆☆☆☆
$0 $3,900 N/A H1099-009-0
Health First Value H1099-006
☆☆☆☆☆
$25 $3,900 $600 H1099-006-0
Premier by Ultimate
☆☆☆☆☆
$0 $1,900 $0 H2962-001-0

What is the average monthly premium for HMO plans?

HMO plans in Indian River cost $1.32 per month on average.

Which HMO plan is most popular in Indian River?

The most popular HMO plan in Indian River is Premier by Ultimate (HMO), with 433 enrollees.

How many HMO plans in Indian River do not include drug coverage?

There are 3 HMO plans in Indian River 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
6
Average Monthly Premium
$15.00/mo
Total HMO-POS Enrollment
3,148
$0 Premium HMO-POS Plans
5
Average MOOP
$4,183
Top HMO-POS by Enrollment
AARP Medicare Advantage from UHC FL-0006 (HMO-POS) — 1,611 enrollees
HMO-POS Plans Without Drug Coverage
0

Comparison table of 2027 HMO-POS Medicare Advantage Plans available in Indian River County, Florida
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-001P
☆☆☆☆☆
$0 $3,500 $405 H1045-036-0
CareOne Plus
☆☆☆☆☆
$0 $4,000 $700 H1019-043-0
Health First Classic H1099-001
☆☆☆☆☆
$90 $3,600 $600 H1099-001-0
Wellcare Giveback
☆☆☆☆☆
$0 $7,200 $700 H1032-193-0
Wellcare Simple
☆☆☆☆☆
$0 $3,000 $700 H1032-194-0
What is the leading HMO-POS plan in Indian River?

AARP Medicare Advantage from UHC FL-0006 (HMO-POS) is the top HMO-POS in Indian River, with 1,611 enrollees.

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

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

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

CMS Star Ratings for Medicare Advantage Plans in Indian River County, FL (2027)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 38 88%
3 Stars 5 12%
Below 3 Stars 0 0%
Not Rated 0 0%
Average Rating 4.02

* 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 Indian River County, Florida, including communities such as Fellsmere, Sebastian, Vero Beach, and other areas throughout the county. Plan availability is determined by county of residence, not by city.

  • CMS.gov, Medicare Advantage & Special Needs Plan Landscape Source Files — Version: 202609
  • CMS.gov, Medicare Part C & D Performance Data — Version: 2026
  • CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Version: 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 .

  • 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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