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  1. 🏠
  2. Medicare Advantage Plans
  3. Florida
  4. Santa Rosa County

2026 Medicare Advantage Plans in Santa Rosa County, FL

Last update: September 3, 2026.

Santa Rosa County, FL has 32 Medicare Advantage plans available in 2026. These include 27 plans with no monthly premium, and roughly 53% are rated at least 4 stars based on CMS data.

Medicare Advantage Special Needs Plans (SNPs) are not included in the figures shown above. View Special Needs Plans in Santa Rosa County, FL. Or explore all Medicare Options available in Santa Rosa County, FL.

  • 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: $14.99/mo
$0 Premium Plans: 27
Average MOOP: $6,775 ($9,250 max. in 2026)
Star Ratings (Plan Mix): 4+ Stars: 53% · 3 Stars: 47% · Below 3: 0%
Average Part D Deductible: $515.95
Total MA/MAPD Enrollment: 15,263
Plans with the Highest Enrollment
(as of September 8, 2026)
1. Humana Full Access Giveback H5216-393 (PPO) — 2,174 enrollees
2. AARP Medicare Advantage from UHC FL-0008 (HMO-POS) — 2,102 enrollees
3. AARP Medicare Advantage from UHC FL-0016 (PPO) — 1,845 enrollees

Medicare Advantage PPO Plans

Preferred Provider Organization (PPO) plans allow access to both in-network and out-of-network providers. Out-of-network care usually costs more, but PPOs offer greater flexibility in choosing doctors and hospitals.

  • Total PPO Plans 24
  • Average Monthly Premium $19.99/mo
  • Total PPO Enrollment 9,386
  • $0 Premium PPO Plans 19
  • Average MOOP $7,260
  • Top PPO by Enrollment Humana Full Access Giveback H5216-393 (PPO) — 2,174 enrollees
  • PPO Plans Without Drug Coverage 9

Comparison table of 2026 PPO Medicare Advantage Plans available in Santa Rosa County, Florida
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
Aetna Medicare Signature
☆☆☆☆☆
$0 $6,750 $615 H5521-033-0
Aetna Medicare Signature Extra
☆☆☆☆☆
$0 $5,900 $615 H5521-305-0
DEVOTED CHOICE 015 FL
☆☆☆☆☆
$0 $5,300 $595 H9884-015-0
DEVOTED CHOICE GIVEBACK 013 FL
☆☆☆☆☆
$0 $9,250 $605 H9884-013-0
DEVOTED CHOICE MA ONLY 014 FL
☆☆☆☆☆
$0 $9,250 N/A H9884-014-0
Humana Full Access Giveback H7617-111
☆☆☆☆☆
$0 $6,750 $600 H7617-111-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $6,750 N/A H7617-108-0
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 Select
☆☆☆☆☆
$154 $6,750 $615 H5434-002-0
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 $6,750 N/A H5216-467-0
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 Florida H7284-009
☆☆☆☆☆
$39 $6,750 $615 H7284-009-0
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 most popular PPO plan in Santa Rosa?

Humana Full Access Giveback H5216-393 (PPO) is the top PPO in Santa Rosa, with 2,174 enrollees.

What is the number of PPO plans without Part D coverage in Santa Rosa?

There are 9 PPO plans in Santa Rosa without prescription drug coverage.

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
7
Average Monthly Premium
$0.00/mo
Total HMO Enrollment
3,775
$0 Premium HMO Plans
7
Average MOOP
$5,521
Top HMO by Enrollment
HealthSpring Preferred (HMO) — 1,522 enrollees
HMO Plans Without Drug Coverage
2

Comparison table of 2026 HMO Medicare Advantage Plans available in Santa Rosa County, Florida
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Aetna Medicare Select
☆☆☆☆☆
$0 $3,900 $200 H1609-041-0
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
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $6,700 N/A H1036-290-0
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 typical premium for HMO plans in Santa Rosa?

HMO plans in Santa Rosa cost $0.00 per month on average.

Which HMO plan do most beneficiaries choose in Santa Rosa?

The most popular HMO plan in Santa Rosa is HealthSpring Preferred (HMO), with 1,522 enrollees.

How many HMO options are offered without prescription drug coverage in Santa Rosa?

There are 2 HMO plans in Santa Rosa 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 2,102
  • $0 Premium HMO-POS Plans 1
  • Average MOOP $3,900
  • Top HMO-POS by Enrollment AARP Medicare Advantage from UHC FL-0008 (HMO-POS) — 2,102 enrollees
  • HMO-POS Plans Without Drug Coverage 0

Comparison table of 2026 HMO-POS Medicare Advantage Plans available in Santa Rosa County, Florida
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 Santa Rosa?

In 2026, Santa Rosa has 1 HMO-POS plans with 2,102 enrollees.

How much do HMO-POS plans cost in Santa Rosa?

The typical HMO-POS premium in Santa Rosa is $0.00, and 1 plans have no monthly premium.

Below is a breakdown of CMS star ratings for Medicare Advantage plans available in Santa Rosa County, FL for 2026.

CMS Star Ratings for Medicare Advantage Plans in Santa Rosa County, FL (2026)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 17 53%
3 Stars 15 47%
Below 3 Stars 0 0%
Not Rated 0 0%
Average Rating 3.98

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

  • CMS.gov, Medicare Advantage & Special Needs Plan Landscape Source Files — Version: 202608
  • CMS.gov, Medicare Part C & D Performance Data — Version: 2026
  • CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Version: 2026-08

County-level figures shown on this page, including plan counts, enrollment totals, averages, and percentage distributions, reflect standard Medicare Advantage (MA/MAPD) plans only and are derived from CMS datasets using a standardized aggregation methodology.

Data sources and methodology documentation .

  • CMS.gov, "Medicare Advantage Plan Fact Sheet" — Last accessed 25 May, 2025
  • Medicare.gov, "Your coverage options" — Last accessed 25 May, 2025
  • Medicare.gov, "Joining a plan" — Last accessed 25 May, 2025

MedicarePlans.com is an independent, non-government informational resource and is not affiliated with or endorsed by the U.S. Government or the federal Medicare program.

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.

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