2026 Medicare Advantage Plans in Indian River County, FL
Last update: . Enrollment data updated: June 13, 2026
Indian River County, FL has 44 Medicare Advantage plans available in 2026. These include 39 plans with no monthly premium, and roughly 73% are rated at least 4 stars based on CMS data.
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.
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 17
- Average Monthly Premium $16.88/mo
- Total PPO Enrollment 11,870
- $0 Premium PPO Plans 14
- Average MOOP $7,238
- Top PPO by Enrollment AARP Medicare Advantage from UHC FL-0025 (PPO) — 3,737 enrollees
- PPO Plans Without Drug Coverage 8
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 3,737 enrollees.
What is the number of PPO plans without Part D coverage in Indian River?
There are 8 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
- 22
- Average Monthly Premium
- $1.14/mo
- Total HMO Enrollment
- 2,987
- $0 Premium HMO Plans
- 21
- Average MOOP
- $4,223
- Top HMO by Enrollment
- Premier by Ultimate (HMO) — 483 enrollees
- HMO Plans Without Drug Coverage
- 4
What is the typical premium for HMO plans in Indian River?
HMO plans in Indian River cost $1.14 per month on average.
Which HMO plan do most beneficiaries choose in Indian River?
The most popular HMO plan in Indian River is Premier by Ultimate (HMO), with 483 enrollees.
How many HMO options are offered without prescription drug coverage in Indian River?
There are 4 HMO plans in Indian River 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 5
- Average Monthly Premium $18.00/mo
- Total HMO-POS Enrollment 2,933
- $0 Premium HMO-POS Plans 4
- Average MOOP $4,230
- Top HMO-POS by Enrollment AARP Medicare Advantage from UHC FL-0006 (HMO-POS) — 1,584 enrollees
- HMO-POS Plans Without Drug Coverage 0
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan 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 total number of HMO-POS plans in Indian River?
In 2026, Indian River has 5 HMO-POS plans with 2,933 enrollees.
How much do HMO-POS plans cost in Indian River?
The typical HMO-POS premium in Indian River is $18.00, and 4 plans have no monthly premium.
Below is a breakdown of CMS star ratings for Medicare Advantage plans available in Indian River County, FL for 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 | |
* 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 .
- CMS.gov, "Medicare Advantage Plan Fact Sheet" — 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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Data provenance documentation is maintained in alignment 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.