2026 Medicare Advantage Plans in Seminole County, FL
Last update: . Enrollment data updated: May 2, 2026
For 2026, Seminole County, FL includes 59 Medicare Advantage plans. Enrollment across these plans totals approximately 31,901, with 51 $0 premium options and 73% rated 4 stars or higher.
Totals on this page exclude Medicare Advantage Special Needs Plans (SNPs). SNP plans for Seminole County, FL are provided separately. Or you can discover all Medicare Options in Seminole 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
- 22
- Average Monthly Premium
- $26.03/mo
- Total PPO Enrollment
- 14,153
- $0 Premium PPO Plans
- 16
- Average MOOP
- $6,864
- Top PPO by Enrollment
- AARP Medicare Advantage from UHC FL-0018 (PPO) — 4,901 enrollees
- PPO Plans Without Drug Coverage
- 8
What is the typical premium for PPO plans available in Seminole?
PPO plans in Seminole cost $26.03 per month on average.
Which PPO plan do most beneficiaries choose in Seminole?
The most popular PPO plan in Seminole is AARP Medicare Advantage from UHC FL-0018 (PPO), with 4,901 enrollees.
How many PPO options are offered without drug coverage in Seminole?
8 PPO plans in Seminole 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 30
- Average Monthly Premium $0.16/mo
- Total HMO Enrollment 13,015
- $0 Premium HMO Plans 29
- Average MOOP $4,068
- Top HMO by Enrollment Humana Gold Plus Giveback H1036-269 (HMO) — 3,218 enrollees
- HMO Plans Without Drug Coverage 4
What is the total number of HMO plans offered in Seminole?
In 2026, Seminole County has 30 HMO plans with 13,015 enrollees.
How much do HMO plans cost in Seminole?
The typical HMO premium in Seminole is $0.16, and 29 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
- 7
- Average Monthly Premium
- $7.00/mo
- Total HMO-POS Enrollment
- 4,733
- $0 Premium HMO-POS Plans
- 6
- Average MOOP
- $4,857
- Top HMO-POS by Enrollment
- AARP Medicare Advantage from UHC FL-0007 (HMO-POS) — 3,457 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 | |
| FHCP Medicare Rx Plus | $49 | $6,750 | $615 | H1035-002-0 | |
| 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 Seminole cost $7.00 per month on average.
- Which HMO-POS plan is most popular in Seminole?
- The most popular HMO-POS plan in Seminole is AARP Medicare Advantage from UHC FL-0007 (HMO-POS), with 3,457 enrollees.
- How many HMO-POS plans in Seminole do not include drug coverage?
- There are 0 HMO-POS plans in Seminole without prescription drug coverage.
CMS quality ratings for Medicare Advantage plans in Seminole County, FL (2026) are summarized below.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | 4 | 7% |
| 4 Stars (includes 5 Stars) | 43 | 73% |
| 3 Stars | 16 | 27% |
| 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 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, "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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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.