2026 Medicare Advantage Plans in Polk County, FL
Last update: . Enrollment data updated: June 13, 2026
For 2026, Polk County, FL includes 61 Medicare Advantage plans. Enrollment across these plans totals approximately 70,113, with 56 $0 premium options and 74% rated 4 stars or higher.
Totals on this page exclude Medicare Advantage Special Needs Plans (SNPs). SNP plans for Polk County, FL are provided separately. Or you can discover all Medicare Options in Polk 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
- 23
- Average Monthly Premium
- $12.48/mo
- Total PPO Enrollment
- 24,557
- $0 Premium PPO Plans
- 20
- Average MOOP
- $6,830
- Top PPO by Enrollment
- Humana Full Access Giveback H5216-393 (PPO) — 7,375 enrollees
- PPO Plans Without Drug Coverage
- 8
What is the typical premium for PPO plans available in Polk?
PPO plans in Polk cost $12.48 per month on average.
Which PPO plan do most beneficiaries choose in Polk?
The most popular PPO plan in Polk is Humana Full Access Giveback H5216-393 (PPO), with 7,375 enrollees.
How many PPO options are offered without drug coverage in Polk?
8 PPO plans in Polk 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 32
- Average Monthly Premium $1.68/mo
- Total HMO Enrollment 32,278
- $0 Premium HMO Plans 30
- Average MOOP $3,695
- Top HMO by Enrollment CareFree Platinum Giveback (HMO) — 15,115 enrollees
- HMO Plans Without Drug Coverage 4
What is the total number of HMO plans offered in Polk?
In 2026, Polk County has 32 HMO plans with 32,278 enrollees.
How much do HMO plans cost in Polk?
The typical HMO premium in Polk is $1.68, and 30 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
- 6
- Average Monthly Premium
- $0.00/mo
- Total HMO-POS Enrollment
- 13,278
- $0 Premium HMO-POS Plans
- 6
- Average MOOP
- $4,425
- Top HMO-POS by Enrollment
- AARP Medicare Advantage from UHC FL-003P (HMO-POS) — 9,577 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-003P | $0 | $2,900 | $270 | H1045-045-0 | |
| Aetna Medicare Select Extra | $0 | $6,750 | $615 | H1609-028-0 | |
| Freedom Máximo | $0 | $1,900 | $0 | H5427-113-0 | |
| Health First Premier Access H1099-025 | $0 | $4,500 | $200 | H1099-025-0 |
- What is the average monthly premium for HMO-POS plans?
- HMO-POS plans in Polk cost $0.00 per month on average.
- Which HMO-POS plan is most popular in Polk?
- The most popular HMO-POS plan in Polk is AARP Medicare Advantage from UHC FL-003P (HMO-POS), with 9,577 enrollees.
- How many HMO-POS plans in Polk do not include drug coverage?
- There are 0 HMO-POS plans in Polk without prescription drug coverage.
CMS quality ratings for Medicare Advantage plans in Polk County, FL (2026) are summarized below.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | 4 | 7% |
| 4 Stars (includes 5 Stars) | 45 | 74% |
| 3 Stars | 16 | 26% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 0 | 0% |
| Average Rating | 4.15 | |
* 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 June 13, 2026
- CMS.gov, Medicare Part C & D Performance Data — Last accessed June 13, 2026
- CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Last accessed June 13, 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.