Medicare Plans in Bay County, Florida — 2027
The short answer: 32 Medicare plans are available in Bay County, Florida for 2027, offered by 4 insurance companies. Monthly premiums range from $0 to $173. 22 of these plans (69%) charge no monthly premium. The lowest in-network out-of-pocket maximum among Medicare Advantage plans in Bay County is $3,300.
Plans available in Bay County
| Plan | Insurance company | Plan type | Monthly premium | CMS star rating |
|---|---|---|---|---|
| AARP Medicare Advantage Patriot No Rx FL-MA01 (Regional PPO) | UnitedHealthcare | Regional PPO | $0 | 3.5 out of 5 stars |
| AARP Medicare Advantage from UHC FL-0008 (HMO-POS) | UnitedHealthcare | HMO-POS | $0 | 4 out of 5 stars |
| BlueMedicare Classic (HMO) | Florida Blue HMO | HMO | $0 | 3.5 out of 5 stars |
| BlueMedicare Patriot (PPO) | Florida Blue | PPO | $0 | 3 out of 5 stars |
| BlueMedicare Patriot Plus (PPO) | Florida Blue | PPO | $0 | 3 out of 5 stars |
| BlueMedicare Value (PPO) | Florida Blue | PPO | $0 | 3 out of 5 stars |
| HealthSpring Preferred (HMO) | HealthSpring | HMO | $0 | 3 out of 5 stars |
| Humana Dual Integrated (HMO D-SNP) | Humana | HMO D-SNP | $0 | 4.5 out of 5 stars |
| Humana Dual Integrated (PPO D-SNP) | Humana | PPO D-SNP | $0 | 4 out of 5 stars |
| Humana Dual Select H1036-314 (HMO D-SNP) | Humana | HMO D-SNP | $0 | 4.5 out of 5 stars |
| Humana Dual Select H5216-394 (PPO D-SNP) | Humana | PPO D-SNP | $0 | 4 out of 5 stars |
| Humana Essentials Plus Giveback (PPO) | Humana | PPO | $0 | 3.5 out of 5 stars |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) | Humana | HMO C-SNP | $0 | 4.5 out of 5 stars |
| Humana Gold Plus H1036-143 (HMO) | Humana | HMO | $0 | 4.5 out of 5 stars |
| Humana Gold Plus Lung (HMO C-SNP) | Humana | HMO C-SNP | $0 | 4.5 out of 5 stars |
| Humana USAA Honor Giveback (HMO) | Humana | HMO | $0 | 4.5 out of 5 stars |
| Humana USAA Honor Giveback (PPO) | Humana | PPO | $0 | 4 out of 5 stars |
| Humana Value Choice (PPO) | Humana | PPO | $0 | 4 out of 5 stars |
| UHC Dual Complete FL-Q1 (PPO D-SNP) | UnitedHealthcare | PPO D-SNP | $0 | 3.5 out of 5 stars |
| UHC Dual Complete FL-Q2 (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP | $0 | 3.5 out of 5 stars |
| UHC Dual Complete FL-Q3 (Regional PPO D-SNP) | UnitedHealthcare | Regional PPO D-SNP | $0 | 3.5 out of 5 stars |
| UHC Dual Complete FL-Y8 (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP | $0 | 3.5 out of 5 stars |
| HealthSpring TotalCare (HMO D-SNP) | HealthSpring | HMO D-SNP | $7.30 | 3 out of 5 stars |
| HealthSpring TotalCare Plus (HMO D-SNP) | HealthSpring | HMO D-SNP | $7.30 | 3 out of 5 stars |
| UHC Dual Complete FL-Y7 (PPO D-SNP) | UnitedHealthcare | PPO D-SNP | $7.30 | 3.5 out of 5 stars |
| HumanaChoice R5826-018 (Regional PPO) | Humana | Regional PPO | $9 | 4 out of 5 stars |
| HumanaChoice R5826-074 (Regional PPO) | Humana | Regional PPO | $35 | 4 out of 5 stars |
| HumanaChoice Florida H7284-009 (PPO) | Humana | PPO | $38.90 | 3.5 out of 5 stars |
| HealthSpring Courage (HMO) | HealthSpring | HMO | $50 | 3 out of 5 stars |
| AARP Medicare Advantage from UHC FL-0031 (Regional PPO) | UnitedHealthcare | Regional PPO | $127 | 3.5 out of 5 stars |
| HumanaChoice R5826-005 (Regional PPO) | Humana | Regional PPO | $161 | 4 out of 5 stars |
| BlueMedicare Select (PPO) | Florida Blue | PPO | $173 | 3 out of 5 stars |
Source: CMS CY2027 Landscape Source File, data as of October 18, 2026. Plan information is based on publicly available information from Medicare.gov. Premiums and plan availability are subject to change as contracts are finalized.
How Bay County compares with Florida
Bay County has 32 Medicare plans for 2027, compared with a Florida county average of about 58 plans. Across Florida, premiums run from $0 to $326 and 82% of plan listings charge $0. In Bay County the median monthly premium is $0, and residents can choose from 4 insurance companies.
Insurance companies in Bay County
- Humana — 15 plans
- UnitedHealthcare — 8 plans
- Florida Blue — 5 plans
- HealthSpring — 4 plans in Bay County — see statewide line-up
Special Needs Plans in Bay County
13 of the plans in Bay County are Special Needs Plans: 11 Dual Special Needs Plans (for people with both Medicare and Medicaid); 2 Chronic Condition Special Needs Plans. Eligibility for these plans is limited to the group each plan serves. See the Dual Special Needs Plans guide and the Medicare Savings Programs guide for how qualification works.
Frequently asked questions
- How many Medicare Advantage plans are available in Bay County in 2027?
- 32 Medicare plans are available in Bay County, Florida for 2027, offered by 4 insurance companies.
- What is the lowest Medicare Advantage premium in Bay County?
- The lowest monthly premium in Bay County is $0, charged by BlueMedicare Classic (HMO).
- How many $0-premium Medicare plans are in Bay County?
- 22 of the 32 Medicare plans in Bay County (69%) charge no monthly premium.
- What is the lowest out-of-pocket maximum in Bay County?
- The lowest in-network out-of-pocket maximum among Medicare Advantage plans in Bay County for 2027 is $3,300, on Humana Gold Plus - Diabetes and Heart (HMO C-SNP).
- Which insurance companies offer Medicare plans in Bay County?
- The insurance companies offering Medicare plans in Bay County for 2027 are: Humana (15 plans), UnitedHealthcare (8 plans), Florida Blue (5 plans), HealthSpring (4 plans).
- Are there Special Needs Plans in Bay County?
- Yes. 13 Special Needs Plans are offered in Bay County for 2027: 11 Dual Special Needs Plans (for people with both Medicare and Medicaid); 2 Chronic Condition Special Needs Plans.
- What is the lowest Part D deductible in Bay County?
- The lowest Part D deductible among plans with drug coverage in Bay County for 2027 is $50.
Nearby counties
- Medicare plans in Calhoun County
- Medicare plans in Gulf County
- Medicare plans in Jackson County
- Medicare plans in Walton County
- Medicare plans in Washington County
Source: CMS CY2027 Landscape Source File, data as of October 18, 2026. Plan information is based on publicly available information from Medicare.gov. Premiums and plan availability are subject to change as contracts are finalized.
About star ratings: Medicare evaluates plans every year and rates them on a 5-star system based on quality and performance. Star ratings shown on this page are the official CY2027 ratings published by CMS. A plan with no rating shown has not yet been rated by CMS.
Talk with a licensed agent about the plans in your area: call 1-866-340-3441.