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

2027 Medicare Advantage Plans in Lee County, FL

Last update: October 5, 2026.

For 2027, Lee County, FL includes 34 Medicare Advantage plans. Enrollment across these plans totals approximately 51,226, with 30 $0 premium options and 76% rated 4 stars or higher.

This page and its statistics exclude Medicare Advantage Special Needs Plans (SNPs). Special Needs Plans in Lee County, FL are summarized separately. Visit Medicare Options in Lee 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: $14.59/mo
  • $0 Premium Plans: 30
  • Average MOOP: $6,046 ($9,250 max. in 2027)
  • Star Ratings (Plan Mix): 4+ Stars: 76% · 3 Stars: 24% · Below 3: 0%
  • Average Part D Deductible: $535.92
  • Total MA/MAPD Enrollment: 51,226
  • Plans with the Highest Enrollment
    (as of October 5, 2026)
    1. AARP Medicare Advantage from UHC FL-0017 (PPO) — 11,246 enrollees
    2. Aetna Medicare Signature Legacy (PPO) — 7,694 enrollees
    3. AARP Medicare Advantage from UHC FL-0010 (HMO-POS) — 6,411 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
19
Average Monthly Premium
$26.11/mo
Total PPO Enrollment
26,133
$0 Premium PPO Plans
15
Average MOOP
$7,205
Top PPO by Enrollment
AARP Medicare Advantage from UHC FL-0017 (PPO) — 11,246 enrollees
PPO Plans Without Drug Coverage
8

2027 PPO Medicare Advantage plans in Lee County, Florida (comparison chart)
Plan Name CMS Stars* Premium/Mo MOOP Rx Ded. CMS 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-0017
☆☆☆☆☆
$0 $7,150 $685 H2406-009-0
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 H5521-710-0
Aetna Medicare Signature Legacy
☆☆☆☆☆
$0 $5,500 $700 H5521-272-0
DEVOTED CHOICE GIVEBACK 016 FL
☆☆☆☆☆
$0 $7,150 $650 H9884-016-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $6,000 N/A H5216-257-0
Humana Value Choice
☆☆☆☆☆
$0 $5,600 $700 H5216-072-0
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 H5434-042-0
BlueMedicare Patriot Plus
☆☆☆☆☆
$0 $6,750 N/A H5434-048-0
BlueMedicare Select
☆☆☆☆☆
$173 $7,500 $700 H5434-002-0
BlueMedicare Value
☆☆☆☆☆
$0 $6,500 $597 H5434-030-0
What is the average monthly premium for PPO plans in Lee?
PPO plans in Lee cost $26.11 per month on average.
Which PPO plan has the highest enrollment in Lee?
The most popular PPO plan in Lee is AARP Medicare Advantage from UHC FL-0017 (PPO), with 11,246 enrollees.
How many PPO plans in Lee do not include prescription drug coverage?
8 PPO plans in Lee 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
10
Average Monthly Premium
$0.00/mo
Total HMO Enrollment
11,398
$0 Premium HMO Plans
10
Average MOOP
$4,410
Top HMO by Enrollment
Humana Gold Plus H1036-217 (HMO) — 3,341 enrollees
HMO Plans Without Drug Coverage
2

2027 HMO Medicare Advantage plans in Lee County, Florida (comparison chart)
Plan Name CMS Stars* Premium/Mo MOOP Rx Ded. CMS ID
Humana Gold Plus Giveback H1036-278
☆☆☆☆☆
$0 $4,400 $700 H1036-278-0
Humana Gold Plus H1036-217
☆☆☆☆☆
$0 $3,800 $700 H1036-217-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $6,700 N/A H1036-290-0
Aetna Medicare Select
☆☆☆☆☆
$0 $3,900 $0 H1609-027-0
Freedom Medicare Plan Rx
☆☆☆☆☆
$0 $4,450 $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 $4,450 N/A H5427-052-0
BlueMedicare Classic
☆☆☆☆☆
$0 $6,750 $700 H1035-019-0
BlueMedicare Premier
☆☆☆☆☆
$0 $3,500 $350 H1035-045-0
What is the total number of HMO plans offered in Lee?

There are 10 HMO plans in 2027, covering 11,398 enrollees.

How much do HMO plans cost in Lee?

The average HMO premium in Lee is $0.00 per month, with 10 plans offering $0 premiums.

What is the top HMO by enrollment in Lee?

Humana Gold Plus H1036-217 (HMO) is the top HMO in Lee, with 3,341 enrollees.

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

2 HMO plans in Lee 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
$0.00/mo
Total HMO-POS Enrollment
13,695
$0 Premium HMO-POS Plans
5
Average MOOP
$4,910
Top HMO-POS by Enrollment
AARP Medicare Advantage from UHC FL-0010 (HMO-POS) — 6,411 enrollees
HMO-POS Plans Without Drug Coverage
0

2027 HMO-POS Medicare Advantage plans in Lee County, Florida (comparison chart)
Plan Name CMS Stars* Premium/Mo MOOP Rx Ded. CMS ID
AARP Medicare Advantage CareFlex from UHC FL-34
☆☆☆☆☆
$0 $7,150 $685 H1045-059-0
AARP Medicare Advantage from UHC FL-0006
☆☆☆☆☆
$0 $3,800 $405 H1045-028-0
AARP Medicare Advantage from UHC FL-0010
☆☆☆☆☆
$0 $3,400 $405 H1045-034-0
Wellcare Giveback
☆☆☆☆☆
$0 $7,200 $700 H1032-198-0
Wellcare Simple
☆☆☆☆☆
$0 $3,000 $700 H1032-199-0

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 6,411 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 (2027) are summarized below.

Medicare Advantage Plan Ratings in Lee County, FL (2027)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 26 76%
3 Stars 8 24%
Below 3 Stars 0 0%
Not Rated 0 0%
Average Rating 3.9

* CMS assigns Medicare Advantage star ratings annually based on plan quality and performance measures.

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

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.

Secondary Medicare references and explanatory resources.
Publisher Reference Last Accessed
Medicare.gov Understanding Medicare Advantage Plans 25 May, 2025
Medicare.gov Compare Original Medicare & Medicare Advantage 25 May, 2025
NCOA.org 5 Steps to Choosing the Right Medicare Plan for You 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.

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