Medicare Plans in Gulf County, Florida — 2027
The short answer: 20 Medicare plans are available in Gulf County, Florida for 2027, offered by 3 insurance companies. Monthly premiums range from $0 to $161. 13 of these plans (65%) charge no monthly premium. The lowest in-network out-of-pocket maximum among Medicare Advantage plans in Gulf County is $4,450.
Plans available in Gulf 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-0011 (HMO-POS) | UnitedHealthcare | HMO-POS | $0 | 4 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 |
| Humana Dual Integrated (PPO D-SNP) | Humana | PPO D-SNP | $0 | 4 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 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 |
| 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 |
| BlueMedicare Select (PPO) | Florida Blue | PPO | $99.50 | 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 |
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 Gulf County compares with Florida
Gulf County has 20 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 Gulf County the median monthly premium is $0, and residents can choose from 3 insurance companies.
Insurance companies in Gulf County
- Humana — 9 plans
- UnitedHealthcare — 8 plans
- Florida Blue — 3 plans in Gulf County — see statewide line-up
Special Needs Plans in Gulf County
7 of the plans in Gulf County are Special Needs Plans: 7 Dual Special Needs Plans (for people with both Medicare and Medicaid). 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 Gulf County in 2027?
- 20 Medicare plans are available in Gulf County, Florida for 2027, offered by 3 insurance companies.
- What is the lowest Medicare Advantage premium in Gulf County?
- The lowest monthly premium in Gulf County is $0, charged by AARP Medicare Advantage from UHC FL-0011 (HMO-POS).
- How many $0-premium Medicare plans are in Gulf County?
- 13 of the 20 Medicare plans in Gulf County (65%) charge no monthly premium.
- What is the lowest out-of-pocket maximum in Gulf County?
- The lowest in-network out-of-pocket maximum among Medicare Advantage plans in Gulf County for 2027 is $4,450, on AARP Medicare Advantage from UHC FL-0011 (HMO-POS).
- Which insurance companies offer Medicare plans in Gulf County?
- The insurance companies offering Medicare plans in Gulf County for 2027 are: Humana (9 plans), UnitedHealthcare (8 plans), Florida Blue (3 plans).
- Are there Special Needs Plans in Gulf County?
- Yes. 7 Special Needs Plans are offered in Gulf County for 2027: 7 Dual Special Needs Plans (for people with both Medicare and Medicaid).
- What is the lowest Part D deductible in Gulf County?
- The lowest Part D deductible among plans with drug coverage in Gulf County for 2027 is $50.
Nearby counties
- Medicare plans in Bay County
- Medicare plans in Calhoun County
- Medicare plans in Franklin County
- Medicare plans in Liberty 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.