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2027 Medicare Advantage Plans in Monroe County, FL

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In Monroe County, FL, there are 7 Medicare Advantage plans available for 2027. Of these, 3 offer a $0 monthly premium, and about 43% are rated 4 stars or higher based on CMS quality ratings.

At a Glance

Average Monthly Premium
$66.89/mo
Plans with $0 Premium
3
Average MOOP Limit
$8,393 ($9,250 max. in 2027)
Star Ratings (Plan Mix)
4+ Stars: 43% · 3 Stars: 57% · Below 3: 0%
Average Part D Deductible
$696.25
Total MA/MAPD Enrollment
1,928
Plans with the Highest Enrollment
(as of October 5, 2026)
1. AARP Medicare Advantage from UHC FL-0031 (REGIONAL PPO) — 1,062 enrollees
2. HumanaChoice R5826-074 (REGIONAL PPO) — 603 enrollees
3. AARP Medicare Advantage Patriot No Rx FL-MA01 (REGIONAL PPO) — 115 enrollees

Medicare Advantage Special Needs Plans (SNPs) are not included in the figures shown above. View Special Needs Plans in Monroe County, FL. Or explore all Medicare Options available in Monroe County, FL. To understand how local plans fit into the broader market, visit our Florida Medicare Advantage plan directory for statewide plan counts, premiums, out-of-pocket limits, CMS ratings, and enrollment data.

Medicare Advantage PPO Plans

Preferred Provider Organization (PPO) plans allow members to use both in-network and out-of-network providers. Out-of-network care typically costs more, but PPOs offer greater flexibility in how care is accessed.

Total PPO Plans
7
Average Monthly Premium
$66.89/mo
Total PPO Enrollment
1,928
$0 Premium PPO Plans
3
Average MOOP
$8,393
Top PPO by Enrollment
AARP Medicare Advantage from UHC FL-0031 (Regional PPO) — 1,062 enrollees
PPO Plans Without Drug Coverage
3

PPO Medicare Advantage plan comparison – Monroe County, Florida, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
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 $9,850 N/A H5434-046-0
BlueMedicare Select
☆☆☆☆☆
 $145 $8,000 $700 H5434-047-0
What is the total number of PPO plans offered in Monroe?

Monroe County has 7 PPO plans for 2027, with 1,928 enrolled.

How much do PPO plans cost in Monroe?

The typical PPO premium in Monroe is $66.89, and 3 plans have no monthly premium.

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

CMS Star Ratings for Medicare Advantage Plans in Monroe County, FL (2027)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 3 43%
3 Stars 4 57%
Below 3 Stars 0 0%
Not Rated 0 0%
Average Rating 3.57

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

Medicare Advantage plans listed on this page are available to eligible beneficiaries residing in Monroe County, Florida, including communities such as Islamorada, Key Largo, Key West, Summerland Key, Big Pine Key, Marathon, Tavernier, and other areas throughout the county. Plan availability is determined by county of residence, not by city.

This page presents county-level Medicare Advantage (MA/MAPD) data, including plan counts, enrollment totals, averages, and percentage distributions, derived from CMS datasets using a standardized aggregation approach.

Data sources and methodology documentation .

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Data provenance documentation is maintained in alignment with the U.S. Core Data for Interoperability (USCDI) Provenance standard .