2026 Medicare Advantage Plans in Okaloosa County, FL
Last update: . Enrollment data updated: May 2, 2026
In Okaloosa County, FL, there are 20 Medicare Advantage plans available for 2026. Of these, 17 offer a $0 monthly premium, and about 40% 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 Okaloosa County, FL. Or explore all Medicare Options available in Okaloosa County, FL.
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.
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| Aetna Medicare Eagle Giveback | $0 | $6,750 | N/A | H5521-306-0 | |
| Aetna Medicare Signature | $0 | $5,900 | $615 | H5521-435-0 | |
| AARP Medicare Advantage from UHC FL-0016 | $0 | $6,700 | $600 | H2406-008-0 | |
| AARP Medicare Advantage Patriot No Rx FL-MA2 | $0 | $8,900 | N/A | H2406-130-0 | |
| AARP Medicare Advantage from UHC FL-0031 | $62 | $9,250 | $600 | 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 | H5434-040-0 | |
| BlueMedicare Value | $0 | $9,250 | $615 | H5434-025-0 | |
| Humana Full Access Giveback H5216-393 | $0 | $6,750 | $600 | H5216-393-0 | |
| Humana USAA Honor Giveback | $0 | $6,000 | N/A | H5216-257-0 | |
| Humana Value Choice H5216-070 | $0 | $6,750 | $615 | H5216-070-0 | |
| HumanaChoice R5826-005 | $184 | $6,700 | $615 | R5826-005-0 | |
| HumanaChoice R5826-018 | $0 | $7,550 | N/A | R5826-018-0 | |
| HumanaChoice R5826-074 | $41 | $7,550 | $615 | R5826-074-0 |
What is the total number of PPO plans offered in Okaloosa?
Okaloosa County has 14 PPO plans for 2026, with 8,015 enrolled.
How much do PPO plans cost in Okaloosa?
The typical PPO premium in Okaloosa is $20.50, and 11 plans have no monthly premium.
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
- 5
- Average Monthly Premium
- $0.00/mo
- Total HMO Enrollment
- 1,366
- $0 Premium HMO Plans
- 5
- Average MOOP
- $5,610
- Top HMO by Enrollment
- HealthSpring Preferred (HMO) — 527 enrollees
- HMO Plans Without Drug Coverage
- 1
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| Humana Essentials Plus Giveback H1036-271 | $0 | $6,750 | $0 | H1036-271-0 | |
| Humana Total Complete H1036-143 | $0 | $4,300 | $615 | H1036-143-0 | |
| BlueMedicare Classic | $0 | $6,750 | $615 | H1035-019-0 | |
| HealthSpring Courage | $0 | $5,500 | N/A | H5410-004-0 | |
| HealthSpring Preferred | $0 | $4,750 | $0 | H5410-018-0 |
- What is the average monthly premium for HMO plans?
- HMO plans in Okaloosa cost $0.00 per month on average.
- Which HMO plan is most popular in Okaloosa?
- The most popular HMO plan in Okaloosa is HealthSpring Preferred (HMO), with 527 enrollees.
- How many HMO plans in Okaloosa do not include drug coverage?
- There are 1 HMO plans in Okaloosa 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 1
- Average Monthly Premium $0.00/mo
- Total HMO-POS Enrollment 2,407
- $0 Premium HMO-POS Plans 1
- Average MOOP $3,900
- Top HMO-POS by Enrollment AARP Medicare Advantage from UHC FL-0008 (HMO-POS) — 2,407 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 from UHC FL-0008 | $0 | $3,900 | $270 | H1045-031-0 |
What is the total number of HMO-POS plans in Okaloosa?
There are 1 HMO-POS plans in 2026, covering 2,407 enrollees.
How much do HMO-POS plans cost in Okaloosa?
The average HMO-POS premium in Okaloosa is $0.00 per month, with 1 plans offering $0 premiums.
What is the leading HMO-POS plan in Okaloosa?
AARP Medicare Advantage from UHC FL-0008 (HMO-POS) is the top HMO-POS in Okaloosa, with 2,407 enrollees.
What is the number of HMO-POS plans without Part D coverage in Okaloosa?
0 HMO-POS plans in Okaloosa do not include prescription drug coverage.
The table below shows CMS star ratings for Medicare Advantage plans in Okaloosa County, FL for 2026.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | No 5-star plans available. | 0% |
| 4 Stars (includes 5 Stars) | 8 | 40% |
| 3 Stars | 12 | 60% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 0 | 0% |
| Average Rating | 3.83 | |
* 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 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
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 .
- Medicare.gov, "Compare types of Medicare Advantage Plans" — Last accessed 25 May, 2025
- Medicare.gov, "Your coverage options" — Last accessed 25 May, 2025
- AARP.org, "The Big Choice: Original Medicare vs. Medicare Advantage" — 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.