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  1. 🏠
  2. Medicare Advantage Plans
  3. Florida
  4. Lake County

2027 Medicare Advantage Plans in Lake County, FL

Last update: October 4, 2026.

In Lake County, FL, there are 48 Medicare Advantage plans available for 2027. Of these, 43 offer a $0 monthly premium, and about 81% 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 Lake County, FL. Or explore all Medicare Options available in Lake County, FL.

  • 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
$7.69/mo
Plans with $0 Premium
43
Average MOOP Limit
$5,088 ($9,250 max. in 2027)
Star Ratings (Plan Mix)
4+ Stars: 81% · 3 Stars: 19% · Below 3: 0%
Average Part D Deductible
$539.79
Total MA/MAPD Enrollment
37,956
Plans with the Highest Enrollment
(as of October 5, 2026)
1. UHC The Villages Medicare Advantage FL-004P (HMO-POS) — 7,679 enrollees
2. AARP Medicare Advantage from UHC FL-0024 (PPO) — 4,552 enrollees
3. UHC The Villages Medicare Advantage FL-0004 (HMO-POS) — 3,502 enrollees

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 $20.11/mo
  • Total PPO Enrollment 12,001
  • $0 Premium PPO Plans 14
  • Average MOOP $7,039
  • Top PPO by Enrollment AARP Medicare Advantage from UHC FL-0024 (PPO) — 4,552 enrollees
  • PPO Plans Without Drug Coverage 7

Comparison table of 2027 PPO Medicare Advantage Plans available in Lake County, Florida
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-0024
☆☆☆☆☆
$0 $5,900 $685 H2406-016-0
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 H5521-439-0
Aetna Medicare Signature Legacy
☆☆☆☆☆
$0 $5,900 $700 H5521-271-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $6,000 N/A H5216-257-0
Humana Value Choice
☆☆☆☆☆
$0 $5,600 $700 H5216-072-0
HumanaChoice Florida H5216-074
☆☆☆☆☆
$0 $5,900 $700 H5216-074-0
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
HumanaChoice Florida H7284-009
☆☆☆☆☆
$39 $6,750 $700 H7284-009-0
BlueMedicare Patriot
☆☆☆☆☆
$0 $6,750 N/A H5434-038-0
BlueMedicare Value
☆☆☆☆☆
$0 $5,900 $597 H5434-036-0
What is the total number of PPO plans offered in Lake?

There are 18 PPO plans in 2027, covering 12,001 beneficiaries.

How much do PPO plans cost in Lake?

The average PPO premium in Lake is $20.11 per month, with 14 plans offering $0 premiums.

What is the most popular PPO plan in Lake?

AARP Medicare Advantage from UHC FL-0024 (PPO) is the top PPO in Lake, with 4,552 enrollees.

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

There are 7 PPO plans in Lake 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
$0.32/mo
Total HMO Enrollment
13,021
$0 Premium HMO Plans
22
Average MOOP
$3,915
Top HMO by Enrollment
Humana Gold Plus Giveback H1036-269 (HMO) — 2,847 enrollees
HMO Plans Without Drug Coverage
3

Comparison table of 2027 HMO Medicare Advantage Plans available in Lake County, Florida
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
DEVOTED CORE 027 FL
☆☆☆☆☆
$0 $3,950 $650 H1290-027-0
DEVOTED CORE 060 FL
☆☆☆☆☆
$0 $3,900 $650 H1290-060-0
DEVOTED GIVEBACK 035 FL
☆☆☆☆☆
$0 $7,150 $650 H1290-035-0
DEVOTED GIVEBACK EXTRAS 108 FL
☆☆☆☆☆
$0 $5,150 $700 H1290-108-0
DEVOTED PREMIUM 044 FL
☆☆☆☆☆
$7 $3,900 $650 H1290-044-1
Humana Community
☆☆☆☆☆
$0 $2,400 $700 H1036-332-0
Humana Gold Plus Giveback H1036-269
☆☆☆☆☆
$0 $3,200 $0 H1036-269-0
Humana Gold Plus H1036-146
☆☆☆☆☆
$0 $2,400 $700 H1036-146-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $6,700 N/A H1036-290-0
Optimum Gold Rewards Plan
☆☆☆☆☆
$0 $4,450 $0 H5594-026-0
Aetna Medicare Select
☆☆☆☆☆
$0 $3,900 $200 H1609-086-0
Aetna Medicare Select Extra
☆☆☆☆☆
$0 $2,900 $200 H1609-100-0
CarePlus Health Plans CareAccess
☆☆☆☆☆
$0 $4,000 $700 H1019-144-0
CareFree Giveback
☆☆☆☆☆
$0 $3,850 $700 H1019-149-0
CareFree Platinum Giveback
☆☆☆☆☆
$0 $3,300 $700 H1019-138-0
CarePlus Health Plans CareSalute
☆☆☆☆☆
$0 $4,150 N/A H1019-132-0
Freedom Platinum Plan Rx
☆☆☆☆☆
$0 $2,000 $0 H5427-094-0
Freedom Platinum Rewards Plan Rx
☆☆☆☆☆
$0 $3,400 $0 H5427-096-0
Freedom Savings Plan
☆☆☆☆☆
$0 $4,450 N/A H5427-052-0
BlueMedicare Classic
☆☆☆☆☆
$0 $6,750 $700 H1035-019-0
BlueMedicare Premier
☆☆☆☆☆
$0 $2,700 $350 H1035-043-0
Premier by Ultimate
☆☆☆☆☆
$0 $3,200 $0 H2962-028-0
HealthSpring Preferred
☆☆☆☆☆
$0 $2,250 $400 H5410-024-0

What is the average monthly premium for HMO plans?

HMO plans in Lake cost $0.32 per month on average.

Which HMO plan is most popular in Lake?

The most popular HMO plan in Lake is Humana Gold Plus Giveback H1036-269 (HMO), with 2,847 enrollees.

How many HMO plans in Lake do not include drug coverage?

There are 3 HMO plans in Lake 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
7
Average Monthly Premium
$0.00/mo
Total HMO-POS Enrollment
12,934
$0 Premium HMO-POS Plans
7
Average MOOP
$3,921
Top HMO-POS by Enrollment
UHC The Villages Medicare Advantage FL-004P (HMO-POS) — 7,679 enrollees
HMO-POS Plans Without Drug Coverage
0

Comparison table of 2027 HMO-POS Medicare Advantage Plans available in Lake County, Florida
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
AARP Medicare Advantage Giveback from UHC FL-40
☆☆☆☆☆
$0 $7,150 $685 H1045-071-0
CareOne Plus
☆☆☆☆☆
$0 $2,000 $700 H1019-057-0
CareOne Plus Local
☆☆☆☆☆
$0 $2,500 $700 H1019-155-0
UHC The Villages Medicare Advantage FL-0004
☆☆☆☆☆
$0 $2,700 $405 H1045-025-0
UHC The Villages Medicare Advantage FL-004P
☆☆☆☆☆
$0 $2,900 $405 H1045-056-0
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 Lake?

UHC The Villages Medicare Advantage FL-004P (HMO-POS) is the top HMO-POS in Lake, with 7,679 enrollees.

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

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

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

CMS Star Ratings for Medicare Advantage Plans in Lake County, FL (2027)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 39 81%
3 Stars 9 19%
Below 3 Stars 0 0%
Not Rated 0 0%
Average Rating 4

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

Primary CMS datasets used for this Medicare Advantage Plan county resource.
Data Source Publisher CMS Version
Landscape Source Files Centers for Medicare & Medicaid Services CY2027 Landscape (202609.1)
Medicare Part C & D Performance Centers for Medicare & Medicaid Services 2027 Star Ratings Data Tables
Plan Benefits Package Centers for Medicare & Medicaid Services PBP Benefits-2027
Monthly Enrollment by Contract/Plan/State/County Centers for Medicare & Medicaid Services 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.

Secondary Medicare references and explanatory resources.
Publisher Reference Last Accessed
Medicare.gov Compare types of Medicare Advantage Plans 25 May, 2025
Medicare.gov Your coverage options 25 May, 2025
Medicare.gov Joining a plan 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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