2026 Medicare Advantage Plans in Osceola County, FL
Last update: . Enrollment data updated: May 2, 2026
For 2026, Osceola County, FL includes 58 Medicare Advantage plans. Enrollment across these plans totals approximately 23,655, with 52 $0 premium options and 72% rated 4 stars or higher.
This page and its statistics exclude Medicare Advantage Special Needs Plans (SNPs). Special Needs Plans in Osceola County, FL are summarized separately. Visit Medicare Options in Osceola County, FL to see more options.
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
- 23
- Average Monthly Premium
- $21.47/mo
- Total PPO Enrollment
- 7,247
- $0 Premium PPO Plans
- 18
- Average MOOP
- $6,865
- Top PPO by Enrollment
- AARP Medicare Advantage from UHC FL-0018 (PPO) — 1,897 enrollees
- PPO Plans Without Drug Coverage
- 8
What is the average monthly premium for PPO plans in Osceola?
PPO plans in Osceola cost $21.47 per month on average.
Which PPO plan has the highest enrollment in Osceola?
The most popular PPO plan in Osceola is AARP Medicare Advantage from UHC FL-0018 (PPO), with 1,897 enrollees.
How many PPO plans in Osceola do not include prescription drug coverage?
8 PPO plans in Osceola 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 29
- Average Monthly Premium $0.17/mo
- Total HMO Enrollment 13,025
- $0 Premium HMO Plans 28
- Average MOOP $3,890
- Top HMO by Enrollment Humana Gold Plus Giveback H1036-269 (HMO) — 2,960 enrollees
- HMO Plans Without Drug Coverage 4
What is the top HMO by enrollment in Osceola?
Humana Gold Plus Giveback H1036-269 (HMO) is the top HMO in Osceola, with 2,960 enrollees.
What is the number of HMO plans without Part D coverage in Osceola?
4 HMO plans in Osceola 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
- 6
- Average Monthly Premium
- $0.00/mo
- Total HMO-POS Enrollment
- 3,383
- $0 Premium HMO-POS Plans
- 6
- Average MOOP
- $4,542
- Top HMO-POS by Enrollment
- AARP Medicare Advantage from UHC FL-0007 (HMO-POS) — 1,767 enrollees
- HMO-POS Plans Without Drug Coverage
- 0
| Plan Name | Rating* | Premium | MOOP | Rx Ded. | Plan-ID |
|---|---|---|---|---|---|
| AARP Medicare Advantage CareFlex from UHC FL-39 | $0 | $6,700 | $600 | H1045-069-0 | |
| AARP Medicare Advantage from UHC FL-0007 | $0 | $3,400 | $270 | H1045-030-0 | |
| Aetna Medicare Select Extra | $0 | $6,750 | $615 | H1609-028-0 | |
| CareOne Plus | $0 | $2,500 | $615 | H1019-057-0 | |
| Freedom Máximo | $0 | $3,400 | $0 | H5427-112-0 | |
| Health First Premier Access H1099-025 | $0 | $4,500 | $200 | H1099-025-0 |
What is the typical premium for HMO-POS plans in Osceola?
HMO-POS plans in Osceola cost $0.00 per month on average.
Which HMO-POS plan has the most members in Osceola?
The most popular HMO-POS plan in Osceola is AARP Medicare Advantage from UHC FL-0007 (HMO-POS), with 1,767 enrollees.
How many HMO-POS options are offered without prescription drug coverage in Osceola?
There are 0 HMO-POS plans in Osceola without prescription drug coverage.
CMS quality ratings for Medicare Advantage plans in Osceola County, FL (2026) are summarized below.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | 4 | 7% |
| 4 Stars (includes 5 Stars) | 42 | 72% |
| 3 Stars | 16 | 28% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 0 | 0% |
| Average Rating | 4.16 | |
* CMS assigns Medicare Advantage star ratings annually based on plan quality and performance measures.
- 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, "Compare Original Medicare & Medicare Advantage" — 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.