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

2026 Medicare Advantage Plans in Indian River County, FL

Last update: September 2, 2026.

For 2026, Indian River County, FL includes 44 Medicare Advantage plans. Enrollment across these plans totals approximately 17,753, with 39 $0 premium options and 73% rated 4 stars or higher.

This page and its statistics exclude Medicare Advantage Special Needs Plans (SNPs). Special Needs Plans in Indian River County, FL are summarized separately. Visit Medicare Options in Indian River 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: $9.14/mo
  • $0 Premium Plans: 39
  • Average MOOP: $5,389 ($9,250 max. in 2026)
  • Star Ratings (Plan Mix): 4+ Stars: 73% · 3 Stars: 27% · Below 3: 0%
  • Average Part D Deductible: $393.75
  • Total MA/MAPD Enrollment: 17,753
  • Plans with the Highest Enrollment
    (as of September 8, 2026)
    1. AARP Medicare Advantage from UHC FL-0025 (PPO) — 3,749 enrollees
    2. Humana Full Access Giveback H5216-311 (PPO) — 2,585 enrollees
    3. BlueMedicare Value (PPO) — 2,155 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
17
Average Monthly Premium
$16.88/mo
Total PPO Enrollment
11,812
$0 Premium PPO Plans
14
Average MOOP
$7,238
Top PPO by Enrollment
AARP Medicare Advantage from UHC FL-0025 (PPO) — 3,749 enrollees
PPO Plans Without Drug Coverage
8

2026 PPO Medicare Advantage plans in Indian River County, Florida (comparison chart)
Plan Name CMS Stars* Premium/Mo MOOP Rx Ded. CMS ID
Aetna Medicare Eagle Giveback
☆☆☆☆☆
$0 $6,750 N/A H5521-306-0
DEVOTED CHOICE GIVEBACK 008 FL
☆☆☆☆☆
$0 $9,250 $605 H9884-008-0
Humana Full Access Giveback H7617-110
☆☆☆☆☆
$0 $6,700 $600 H7617-110-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $6,750 N/A H7617-108-0
AARP Medicare Advantage from UHC FL-0025
☆☆☆☆☆
$0 $5,900 $520 H2406-017-0
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 H5434-044-0
BlueMedicare Value
☆☆☆☆☆
$0 $9,250 $615 H5434-026-0
Humana Full Access Giveback H5216-311
☆☆☆☆☆
$0 $6,700 $600 H5216-311-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $6,750 N/A H5216-467-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $4,900 N/A H5216-256-0
HumanaChoice Florida H5216-062
☆☆☆☆☆
$0 $4,150 $615 H5216-062-0
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 Indian River?
PPO plans in Indian River cost $16.88 per month on average.
Which PPO plan has the highest enrollment in Indian River?
The most popular PPO plan in Indian River is AARP Medicare Advantage from UHC FL-0025 (PPO), with 3,749 enrollees.
How many PPO plans in Indian River do not include prescription drug coverage?
8 PPO plans in Indian River 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
22
Average Monthly Premium
$1.14/mo
Total HMO Enrollment
3,022
$0 Premium HMO Plans
21
Average MOOP
$4,223
Top HMO by Enrollment
Premier by Ultimate (HMO) — 453 enrollees
HMO Plans Without Drug Coverage
4

2026 HMO Medicare Advantage plans in Indian River County, Florida (comparison chart)
Plan Name CMS Stars* Premium/Mo MOOP Rx Ded. CMS ID
DEVOTED CORE 046 FL
☆☆☆☆☆
$0 $4,900 $615 H1290-046-0
DEVOTED CORE 066 FL
☆☆☆☆☆
$0 $4,900 $0 H1290-066-0
DEVOTED GIVEBACK 045 FL
☆☆☆☆☆
$0 $6,750 $605 H1290-045-0
Aetna Medicare Select
☆☆☆☆☆
$0 $3,900 $200 H1609-063-0
CarePlus Health Plans, Inc. CareAccess
☆☆☆☆☆
$0 $3,750 $615 H1019-144-0
CareFree Giveback
☆☆☆☆☆
$0 $3,850 $615 H1019-134-0
CareFree Platinum Giveback
☆☆☆☆☆
$0 $4,000 $0 H1019-139-0
CarePlus Health Plans, Inc. CareSalute
☆☆☆☆☆
$0 $3,900 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 $4,200 N/A H5427-052-0
Humana Gold Plus Giveback H1036-286
☆☆☆☆☆
$0 $5,500 $0 H1036-286-0
Humana Gold Plus H1036-229
☆☆☆☆☆
$0 $3,800 $615 H1036-229-0
Health First Emerald Plus H1099-026
☆☆☆☆☆
$0 $4,150 $350 H1099-026-0
Health First Rewards H1099-014
☆☆☆☆☆
$0 $3,400 $0 H1099-014-0
Health First Secure H1099-009
☆☆☆☆☆
$0 $3,000 N/A H1099-009-0
Health First Value H1099-006
☆☆☆☆☆
$25 $3,400 $0 H1099-006-0
Premier by Ultimate
☆☆☆☆☆
$0 $1,900 $0 H2962-001-0
Wellcare Giveback
☆☆☆☆☆
$0 $7,200 $615 H1032-193-0
Wellcare Patriot Giveback
☆☆☆☆☆
$0 $5,000 N/A H1032-239-0
Wellcare Simple
☆☆☆☆☆
$0 $3,500 $615 H1032-194-0
HealthSpring Preferred
☆☆☆☆☆
$0 $6,750 $615 H5410-060-0
What is the total number of HMO plans offered in Indian River?

There are 22 HMO plans in 2026, covering 3,022 enrollees.

How much do HMO plans cost in Indian River?

The average HMO premium in Indian River is $1.14 per month, with 21 plans offering $0 premiums.

What is the top HMO by enrollment in Indian River?

Premier by Ultimate (HMO) is the top HMO in Indian River, with 453 enrollees.

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

4 HMO plans in Indian River 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
5
Average Monthly Premium
$18.00/mo
Total HMO-POS Enrollment
2,919
$0 Premium HMO-POS Plans
4
Average MOOP
$4,230
Top HMO-POS by Enrollment
AARP Medicare Advantage from UHC FL-0006 (HMO-POS) — 1,601 enrollees
HMO-POS Plans Without Drug Coverage
0

2026 HMO-POS Medicare Advantage plans in Indian River County, Florida (comparison chart)
Plan Name CMS Stars* Premium/Mo MOOP Rx Ded. CMS ID
AARP Medicare Advantage CareFlex from UHC FL-35
☆☆☆☆☆
$0 $6,700 $600 H1045-060-0
AARP Medicare Advantage from UHC FL-0006
☆☆☆☆☆
$0 $3,800 $270 H1045-028-0
AARP Medicare Advantage from UHC FL-001P
☆☆☆☆☆
$0 $3,900 $270 H1045-036-0
CareOne Plus
☆☆☆☆☆
$0 $3,500 $615 H1019-043-0
Health First Classic H1099-001
☆☆☆☆☆
$90 $3,250 $0 H1099-001-0

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

HMO-POS plans in Indian River cost $18.00 per month on average.

Which HMO-POS plan is most popular in Indian River?

The most popular HMO-POS plan in Indian River is AARP Medicare Advantage from UHC FL-0006 (HMO-POS), with 1,601 enrollees.

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

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

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

Medicare Advantage Plan Ratings in Indian River County, FL (2026)
Rating Category Number of Plans Percent of Plans
5 Stars 3 7%
4 Stars (includes 5 Stars) 32 73%
3 Stars 12 27%
Below 3 Stars 0 0%
Not Rated 0 0%
Average Rating 4.14

* 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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Editorial stewardship: David W. Bynon