Medicare Plans in Lake County, Florida — 2027
The short answer: 102 Medicare plans are available in Lake County, Florida for 2027, offered by 12 insurance companies. Monthly premiums range from $0 to $161. 90 of these plans (88%) charge no monthly premium. The lowest in-network out-of-pocket maximum among Medicare Advantage plans in Lake County is $500.
Plans available102
Insurance companies12
Premium range$0 to $161
Median premium$0
$0-premium plans90 (88%)
Plans available in Lake County
| Plan | Insurance company | Plan type | Monthly premium | CMS star rating |
|---|---|---|---|---|
| AARP Medicare Advantage Giveback from UHC FL-40 (HMO-POS) | UnitedHealthcare | HMO-POS | $0 | 4 out of 5 stars |
| 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-0024 (PPO) | UnitedHealthcare | PPO | $0 | 4 out of 5 stars |
| Advantage Care COPD by Ultimate (HMO C-SNP) | Ultimate Health Plans | HMO C-SNP | $0 | 3.5 out of 5 stars |
| Advantage Care by Ultimate (HMO C-SNP) | Ultimate Health Plans | HMO C-SNP | $0 | 3.5 out of 5 stars |
| Advantage Plus by Ultimate (Full) (HMO D-SNP) | Ultimate Health Plans | HMO D-SNP | $0 | 3.5 out of 5 stars |
| Advantage Plus by Ultimate (Partial) (HMO D-SNP) | Ultimate Health Plans | HMO D-SNP | $0 | 3.5 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 Select Extra (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 |
| AmeriHealth Caritas VIP Care (HMO D-SNP) | AmeriHealth Caritas VIP Care (HMO-D-SNP) | HMO D-SNP | $0 | Not yet rated by CMS |
| BlueMedicare Classic (HMO) | Florida Blue HMO | HMO | $0 | 3.5 out of 5 stars |
| BlueMedicare Focus (HMO C-SNP) | Florida Blue HMO | HMO C-SNP | $0 | 3.5 out of 5 stars |
| BlueMedicare Patriot (PPO) | Florida Blue | PPO | $0 | 3 out of 5 stars |
| BlueMedicare Premier (HMO) | Florida Blue HMO | HMO | $0 | 3.5 out of 5 stars |
| BlueMedicare Value (PPO) | Florida Blue | PPO | $0 | 3 out of 5 stars |
| CareAccess (HMO) | CarePlus Health Plans, Inc. | HMO | $0 | 4 out of 5 stars |
| CareBreeze (HMO C-SNP) | CarePlus Health Plans, Inc. | HMO C-SNP | $0 | 4 out of 5 stars |
| CareBreeze Platinum (HMO C-SNP) | CarePlus Health Plans, Inc. | HMO C-SNP | $0 | 4 out of 5 stars |
| CareComplete (HMO C-SNP) | CarePlus Health Plans, Inc. | HMO C-SNP | $0 | 4 out of 5 stars |
| CareComplete Local (HMO C-SNP) | CarePlus Health Plans, Inc. | HMO C-SNP | $0 | 4 out of 5 stars |
| CareComplete Platinum (HMO C-SNP) | CarePlus Health Plans, Inc. | HMO C-SNP | $0 | 4 out of 5 stars |
| CareFree Giveback (HMO) | CarePlus Health Plans, Inc. | HMO | $0 | 4 out of 5 stars |
| CareFree Platinum Giveback (HMO) | CarePlus Health Plans, Inc. | HMO | $0 | 4 out of 5 stars |
| CareNeeds Platinum (HMO D-SNP) | CarePlus Health Plans, Inc. | HMO D-SNP | $0 | 4 out of 5 stars |
| CareNeeds Plus (HMO D-SNP) | CarePlus Health Plans, Inc. | HMO D-SNP | $0 | 4 out of 5 stars |
| CareOne Plus (HMO-POS) | CarePlus Health Plans, Inc. | HMO-POS | $0 | 4 out of 5 stars |
| CareOne Plus Local (HMO-POS) | CarePlus Health Plans, Inc. | HMO-POS | $0 | 4 out of 5 stars |
| CareSalute (HMO) | CarePlus Health Plans, Inc. | HMO | $0 | 4 out of 5 stars |
| DEVOTED C-SNP ENHANCED 070 FL (HMO C-SNP) | Devoted Health | HMO C-SNP | $0 | 4.5 out of 5 stars |
| DEVOTED C-SNP PLUS 091 FL (HMO C-SNP) | Devoted Health | HMO C-SNP | $0 | 4.5 out of 5 stars |
| DEVOTED CORE 027 FL (HMO) | Devoted Health | HMO | $0 | 4.5 out of 5 stars |
| DEVOTED CORE 060 FL (HMO) | Devoted Health | HMO | $0 | 4.5 out of 5 stars |
| DEVOTED DUAL 033 FL (HMO D-SNP) | Devoted Health | HMO D-SNP | $0 | 4.5 out of 5 stars |
| DEVOTED DUAL FULL 101 FL (HMO D-SNP) | Devoted Health | HMO D-SNP | $0 | 4.5 out of 5 stars |
| DEVOTED DUAL QMB 052 FL (HMO D-SNP) | Devoted Health | HMO D-SNP | $0 | 4.5 out of 5 stars |
| DEVOTED GIVEBACK 035 FL (HMO) | Devoted Health | HMO | $0 | 4.5 out of 5 stars |
| DEVOTED GIVEBACK EXTRAS 108 FL (HMO) | Devoted Health | HMO | $0 | 4.5 out of 5 stars |
| Freedom Medi-Medi Partial (HMO D-SNP) | Freedom Health, Inc. | HMO D-SNP | $0 | 4 out of 5 stars |
| Freedom Platinum Plan Rx (HMO) | Freedom Health, Inc. | HMO | $0 | 4 out of 5 stars |
| Freedom Platinum Rewards Plan Rx (HMO) | Freedom Health, Inc. | HMO | $0 | 4 out of 5 stars |
| Freedom Savings Plan (HMO) | Freedom Health, Inc. | HMO | $0 | 4 out of 5 stars |
| Freedom VIP Care (HMO C-SNP) | Freedom Health, Inc. | HMO C-SNP | $0 | 4 out of 5 stars |
| Freedom VIP Savings (HMO C-SNP) | Freedom Health, Inc. | HMO C-SNP | $0 | 4 out of 5 stars |
| Freedom VIP Savings COPD (HMO C-SNP) | Freedom Health, Inc. | HMO C-SNP | $0 | 4 out of 5 stars |
| HealthSpring Preferred (HMO) | HealthSpring | HMO | $0 | 3 out of 5 stars |
| Humana Community (HMO) | Humana | HMO | $0 | 4.5 out of 5 stars |
| Humana Community HMO Diabetes and Heart (HMO C-SNP) | Humana | HMO C-SNP | $0 | 4.5 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 H1036-213 (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 Giveback H1036-269 (HMO) | Humana | HMO | $0 | 4.5 out of 5 stars |
| Humana Gold Plus H1036-146 (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 |
| HumanaChoice Florida H5216-074 (PPO) | Humana | PPO | $0 | 4 out of 5 stars |
| Optimum Diamond Savings (HMO C-SNP) | Optimum HealthCare, Inc. | HMO C-SNP | $0 | 4.5 out of 5 stars |
| Optimum Diamond Savings COPD (HMO C-SNP) | Optimum HealthCare, Inc. | HMO C-SNP | $0 | 4.5 out of 5 stars |
| Optimum Emerald Partial (HMO D-SNP) | Optimum HealthCare, Inc. | HMO D-SNP | $0 | 4.5 out of 5 stars |
| Optimum Gold Rewards Plan (HMO) | Optimum HealthCare, Inc. | HMO | $0 | 4.5 out of 5 stars |
| Premier by Ultimate (HMO) | Ultimate Health Plans | HMO | $0 | 3.5 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-Q3 (Regional PPO D-SNP) | UnitedHealthcare | Regional PPO D-SNP | $0 | 3.5 out of 5 stars |
| UHC Dual Complete FL-QV2 (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP | $0 | 4 out of 5 stars |
| UHC Dual Complete FL-Y5 (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP | $0 | 4 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 |
| UHC The Villages Medicare Advantage FL-0004 (HMO-POS) | UnitedHealthcare | HMO-POS | $0 | 4 out of 5 stars |
| UHC The Villages Medicare Advantage FL-004P (HMO-POS) | UnitedHealthcare | HMO-POS | $0 | 4 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 |
| Wellcare Sunshine Health Dual Access (HMO-POS D-SNP) | Wellcare | HMO-POS D-SNP | $0 | 4 out of 5 stars |
| Wellcare Sunshine Health Dual Align (HMO D-SNP) | Wellcare | HMO D-SNP | $0 | 4 out of 5 stars |
| Wellcare Sunshine Health Dual Reserve (HMO-POS D-SNP) | Wellcare | HMO-POS D-SNP | $0 | 4 out of 5 stars |
| UHC Nursing Home Plan FL-F001 (PPO I-SNP) | UnitedHealthcare | PPO I-SNP | $6.10 | 5 out of 5 stars |
| American Health Advantage of Florida (HMO I-SNP) | American Health Advantage of Florida | HMO I-SNP | $7.30 | Not yet rated by CMS |
| DEVOTED PREMIUM 044 FL (HMO) | Devoted Health | HMO | $7.30 | 4.5 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 |
| 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 |
| HumanaChoice Florida H7284-009 (PPO) | Humana | PPO | $38.90 | 3.5 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 Lake County compares with Florida
Lake County has 102 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 Lake County the median monthly premium is $0, and residents can choose from 12 insurance companies.
Insurance companies in Lake County
- Humana — 35 plans
- UnitedHealthcare — 15 plans
- Freedom Health — 13 plans
- Devoted Health — 10 plans
- Aetna — 8 plans
- Wellcare — 5 plans
- Florida Blue — 5 plans
- Ultimate Health Plans — 5 plans
- HealthSpring — 3 plans in Lake County — see statewide line-up
- Longevity Health Plan — 1 plan in Lake County — see statewide line-up
- AmeriHealth Caritas VIP Care (HMO-D-SNP) — 1 plan in Lake County — see statewide line-up
- American Health Advantage of Florida — 1 plan in Lake County — see statewide line-up
Special Needs Plans in Lake County
54 of the plans in Lake County are Special Needs Plans: 31 Dual Special Needs Plans (for people with both Medicare and Medicaid); 20 Chronic Condition Special Needs Plans; 3 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 Lake County in 2027?
- 102 Medicare plans are available in Lake County, Florida for 2027, offered by 12 insurance companies.
- What is the lowest Medicare Advantage premium in Lake County?
- The lowest monthly premium in Lake County is $0, charged by CareOne Plus (HMO-POS).
- How many $0-premium Medicare plans are in Lake County?
- 90 of the 102 Medicare plans in Lake County (88%) charge no monthly premium.
- What is the lowest out-of-pocket maximum in Lake County?
- The lowest in-network out-of-pocket maximum among Medicare Advantage plans in Lake County for 2027 is $500, on Advantage Plus by Ultimate (Full) (HMO D-SNP).
- Which insurance companies offer Medicare plans in Lake County?
- The insurance companies offering Medicare plans in Lake County for 2027 are: Humana (35 plans), UnitedHealthcare (15 plans), Freedom Health (13 plans), Devoted Health (10 plans), Aetna (8 plans), Wellcare (5 plans), Florida Blue (5 plans), Ultimate Health Plans (5 plans), HealthSpring (3 plans), Longevity Health Plan (1 plans), AmeriHealth Caritas VIP Care (HMO-D-SNP) (1 plans), American Health Advantage of Florida (1 plans).
- Are there Special Needs Plans in Lake County?
- Yes. 54 Special Needs Plans are offered in Lake County for 2027: 31 Dual Special Needs Plans (for people with both Medicare and Medicaid); 20 Chronic Condition Special Needs Plans; 3 Institutional Special Needs Plans.
- What is the lowest Part D deductible in Lake County?
- The lowest Part D deductible among plans with drug coverage in Lake County for 2027 is $0.
Nearby counties
- Medicare plans in Marion County
- Medicare plans in Orange County
- Medicare plans in Osceola County
- Medicare plans in Polk County
- Medicare plans in Seminole County
- Medicare plans in Sumter County
- Medicare plans in Volusia 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.