Medicare Plans in Highlands County, Florida — 2027
The short answer: 47 Medicare plans are available in Highlands County, Florida for 2027, offered by 7 insurance companies. Monthly premiums range from $0 to $173. 40 of these plans (85%) charge no monthly premium. The lowest in-network out-of-pocket maximum among Medicare Advantage plans in Highlands County is $500.
Plans available in Highlands 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 Patriot No Rx FL-MA2 (PPO) | UnitedHealthcare | PPO | $0 | 4 out of 5 stars |
| AARP Medicare Advantage from UHC FL-0012 (HMO-POS) | UnitedHealthcare | HMO-POS | $0 | 4 out of 5 stars |
| AARP Medicare Advantage from UHC FL-0027 (PPO) | UnitedHealthcare | PPO | $0 | 4 out of 5 stars |
| Aetna Medicare Chronic Care (HMO C-SNP) | Aetna Medicare | HMO C-SNP | $0 | 4 out of 5 stars |
| Aetna Medicare Eagle Giveback (PPO) | Aetna Medicare | PPO | $0 | 4 out of 5 stars |
| Aetna Medicare Full Dual Select (HMO D-SNP) | Aetna Medicare | HMO D-SNP | $0 | 4 out of 5 stars |
| Aetna Medicare Partial Dual Select (HMO D-SNP) | Aetna Medicare | HMO D-SNP | $0 | 4 out of 5 stars |
| Aetna Medicare Select (HMO) | Aetna Medicare | HMO | $0 | 4 out of 5 stars |
| Aetna Medicare Signature (PPO) | Aetna Medicare | PPO | $0 | 4 out of 5 stars |
| Aetna Medicare Signature Legacy (PPO) | Aetna Medicare | PPO | $0 | 4 out of 5 stars |
| BlueMedicare Patriot (PPO) | Florida Blue | PPO | $0 | 3 out of 5 stars |
| BlueMedicare Value (PPO) | Florida Blue | PPO | $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 H1036-102 (HMO D-SNP) | Humana | HMO D-SNP | $0 | 4.5 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 | 4.5 out of 5 stars |
| Humana Fully Integrated H1036-280 (HMO D-SNP) | Humana | HMO D-SNP | $0 | 4.5 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 - Diabetes and Heart (HMO C-SNP) | Humana | HMO C-SNP | $0 | 4.5 out of 5 stars |
| Humana Gold Plus Giveback H1036-265 (HMO) | Humana | HMO | $0 | 4.5 out of 5 stars |
| Humana Gold Plus Giveback H1036-266 (HMO) | Humana | HMO | $0 | 4.5 out of 5 stars |
| Humana Gold Plus H1036-230 (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 USAA Honor Giveback (PPO) | Humana | PPO | $0 | 4.5 out of 5 stars |
| Humana Value Choice (PPO) | Humana | PPO | $0 | 4 out of 5 stars |
| Simply Complete Platinum (HMO D-SNP) | Simply Healthcare Plans, Inc. | HMO D-SNP | $0 | 4 out of 5 stars |
| Simply Integrated Platinum (HMO D-SNP) | Simply Healthcare Plans, Inc. | HMO D-SNP | $0 | 4 out of 5 stars |
| UHC Complete Care FL-14 (HMO-POS C-SNP) | UnitedHealthcare | HMO-POS C-SNP | $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-YL (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP | $0 | 3.5 out of 5 stars |
| Wellcare Giveback (HMO-POS) | Wellcare | HMO-POS | $0 | 4 out of 5 stars |
| Wellcare Simple (HMO-POS) | Wellcare | HMO-POS | $0 | 4 out of 5 stars |
| Longevity Health Plan (HMO I-SNP) | Longevity Health Plan | HMO I-SNP | $7.30 | 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 |
| 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 Highlands County compares with Florida
Highlands County has 47 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 Highlands County the median monthly premium is $0, and residents can choose from 7 insurance companies.
Insurance companies in Highlands County
- Humana — 20 plans
- UnitedHealthcare — 12 plans
- Aetna — 7 plans
- Florida Blue — 3 plans in Highlands County — see statewide line-up
- Wellcare — 2 plans in Highlands County — see statewide line-up
- Freedom Health — 2 plans in Highlands County — see statewide line-up
- Longevity Health Plan — 1 plan in Highlands County — see statewide line-up
Special Needs Plans in Highlands County
22 of the plans in Highlands County are Special Needs Plans: 16 Dual Special Needs Plans (for people with both Medicare and Medicaid); 5 Chronic Condition Special Needs Plans; 1 Institutional 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 Highlands County in 2027?
- 47 Medicare plans are available in Highlands County, Florida for 2027, offered by 7 insurance companies.
- What is the lowest Medicare Advantage premium in Highlands County?
- The lowest monthly premium in Highlands County is $0, charged by Wellcare Giveback (HMO-POS).
- How many $0-premium Medicare plans are in Highlands County?
- 40 of the 47 Medicare plans in Highlands County (85%) charge no monthly premium.
- What is the lowest out-of-pocket maximum in Highlands County?
- The lowest in-network out-of-pocket maximum among Medicare Advantage plans in Highlands County for 2027 is $500, on Simply Complete Platinum (HMO D-SNP).
- Which insurance companies offer Medicare plans in Highlands County?
- The insurance companies offering Medicare plans in Highlands County for 2027 are: Humana (20 plans), UnitedHealthcare (12 plans), Aetna (7 plans), Florida Blue (3 plans), Wellcare (2 plans), Freedom Health (2 plans), Longevity Health Plan (1 plans).
- Are there Special Needs Plans in Highlands County?
- Yes. 22 Special Needs Plans are offered in Highlands County for 2027: 16 Dual Special Needs Plans (for people with both Medicare and Medicaid); 5 Chronic Condition Special Needs Plans; 1 Institutional Special Needs Plans.
- What is the lowest Part D deductible in Highlands County?
- The lowest Part D deductible among plans with drug coverage in Highlands County for 2027 is $0.
Nearby counties
- Medicare plans in Charlotte County
- Medicare plans in DeSoto County
- Medicare plans in Glades County
- Medicare plans in Hardee County
- Medicare plans in Okeechobee County
- Medicare plans in Osceola County
- Medicare plans in Polk 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.