2026 Medicare Advantage Plans in Lee County, FL
Last update: . Enrollment data updated: May 2, 2026
For 2026, Lee County, FL includes 41 Medicare Advantage plans. Enrollment across these plans totals approximately 71,563, with 37 $0 premium options and 63% rated 4 stars or higher.
Totals on this page exclude Medicare Advantage Special Needs Plans (SNPs). SNP plans for Lee County, FL are provided separately. Or you can discover all Medicare Options in Lee County, FL.
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
- 24
- Average Monthly Premium
- $18.36/mo
- Total PPO Enrollment
- 46,661
- $0 Premium PPO Plans
- 20
- Average MOOP
- $6,808
- Top PPO by Enrollment
- AARP Medicare Advantage from UHC FL-0017 (PPO) — 11,383 enrollees
- PPO Plans Without Drug Coverage
- 8
What is the typical premium for PPO plans available in Lee?
PPO plans in Lee cost $18.36 per month on average.
Which PPO plan do most beneficiaries choose in Lee?
The most popular PPO plan in Lee is AARP Medicare Advantage from UHC FL-0017 (PPO), with 11,383 enrollees.
How many PPO options are offered without drug coverage in Lee?
8 PPO plans in Lee do not include prescription drug coverage.
Medicare Advantage HMO Plans
Health Maintenance Organization (HMO) plans generally require members to use in-network doctors, hospitals, and other providers, except in emergencies. Because of this structure, HMOs often have lower premiums and out-of-pocket costs than other plan types.
- Total HMO Plans 14
- Average Monthly Premium $0.00/mo
- Total HMO Enrollment 12,248
- $0 Premium HMO Plans 14
- Average MOOP $4,689
- Top HMO by Enrollment Humana Gold Plus H1036-217 (HMO) — 3,302 enrollees
- HMO Plans Without Drug Coverage 3
| Plan Name | Rating* | Premium | MOOP | Rx Ded. | Plan-ID |
|---|---|---|---|---|---|
| Aetna Medicare Select | $0 | $3,300 | $0 | H1609-027-0 | |
| Freedom Medicare Plan Rx | $0 | $4,200 | $0 | H5427-059-0 | |
| Freedom Platinum Plan Rx | $0 | $2,750 | $0 | H5427-091-0 | |
| Freedom Platinum Rewards Plan Rx | $0 | $3,400 | $0 | H5427-105-0 | |
| Freedom Savings Plan | $0 | $4,200 | N/A | H5427-052-0 | |
| Humana Gold Plus Giveback H1036-278 | $0 | $4,400 | $0 | H1036-278-0 | |
| Humana Gold Plus H1036-217 | $0 | $3,800 | $615 | H1036-217-0 | |
| Humana USAA Honor Giveback | $0 | $6,700 | N/A | H1036-290-0 | |
| BlueMedicare Classic | $0 | $6,750 | $615 | H1035-019-0 | |
| BlueMedicare Premier | $0 | $4,200 | $615 | H1035-045-0 | |
| Wellcare Giveback | $0 | $7,200 | $615 | H1032-198-0 | |
| Wellcare Patriot Giveback | $0 | $5,000 | N/A | H1032-239-0 | |
| Wellcare Simple | $0 | $3,000 | $615 | H1032-199-0 | |
| HealthSpring Preferred | $0 | $6,750 | $615 | H5410-060-0 |
What is the total number of HMO plans offered in Lee?
In 2026, Lee County has 14 HMO plans with 12,248 enrollees.
How much do HMO plans cost in Lee?
The typical HMO premium in Lee is $0.00, and 14 plans have no monthly premium.
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
- 3
- Average Monthly Premium
- $0.00/mo
- Total HMO-POS Enrollment
- 12,654
- $0 Premium HMO-POS Plans
- 3
- Average MOOP
- $4,633
- Top HMO-POS by Enrollment
- AARP Medicare Advantage from UHC FL-0010 (HMO-POS) — 6,604 enrollees
- HMO-POS Plans Without Drug Coverage
- 0
| Plan Name | Rating* | Premium | MOOP | Rx Ded. | Plan-ID |
|---|---|---|---|---|---|
| AARP Medicare Advantage CareFlex from UHC FL-34 | $0 | $6,700 | $600 | H1045-059-0 | |
| AARP Medicare Advantage from UHC FL-0006 | $0 | $3,800 | $270 | H1045-028-0 | |
| AARP Medicare Advantage from UHC FL-0010 | $0 | $3,400 | $270 | H1045-034-0 |
- What is the average monthly premium for HMO-POS plans?
- HMO-POS plans in Lee cost $0.00 per month on average.
- Which HMO-POS plan is most popular in Lee?
- The most popular HMO-POS plan in Lee is AARP Medicare Advantage from UHC FL-0010 (HMO-POS), with 6,604 enrollees.
- How many HMO-POS plans in Lee do not include drug coverage?
- There are 0 HMO-POS plans in Lee without prescription drug coverage.
CMS quality ratings for Medicare Advantage plans in Lee County, FL (2026) are summarized below.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | No 5-star plans available. | 0% |
| 4 Stars (includes 5 Stars) | 26 | 63% |
| 3 Stars | 15 | 37% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 0 | 0% |
| Average Rating | 4.05 | |
* Star ratings are based on CMS quality measures and reflect plan performance for the 2026 rating period.
- CMS.gov, Medicare Advantage Landscape Source Files — Last accessed May 2, 2026
- CMS.gov, Medicare Part C & D Performance Data — Last accessed May 2, 2026
- CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Last accessed May 2, 2026
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, "Explore your Medicare coverage options" — Last accessed 25 May, 2025
- NCOA.org, "5 Steps to Choosing the Right Medicare Plan for You" — Last accessed 25 May, 2025
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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.