Medicare Plans in Monroe County, Florida — 2027
The short answer: 8 Medicare plans are available in Monroe County, Florida for 2027, offered by 3 insurance companies. Monthly premiums range from $0 to $161. 3 of these plans (38%) charge no monthly premium. The lowest in-network out-of-pocket maximum among Medicare Advantage plans in Monroe County is $6,700.
Plans available in Monroe 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 |
| BlueMedicare Patriot (PPO) | Florida Blue | PPO | $0 | 3 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 |
| 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 |
| BlueMedicare Select (PPO) | Florida Blue | PPO | $145.20 | 3 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 Monroe County compares with Florida
Monroe County has 8 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 Monroe County the median monthly premium is $22, and residents can choose from 3 insurance companies.
Insurance companies in Monroe County
- UnitedHealthcare — 3 plans in Monroe County — see statewide line-up
- Humana — 3 plans in Monroe County — see statewide line-up
- Florida Blue — 2 plans in Monroe County — see statewide line-up
Special Needs Plans in Monroe County
1 of the plans in Monroe County are Special Needs Plans: 1 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 Monroe County in 2027?
- 8 Medicare plans are available in Monroe County, Florida for 2027, offered by 3 insurance companies.
- What is the lowest Medicare Advantage premium in Monroe County?
- The lowest monthly premium in Monroe County is $0, charged by BlueMedicare Patriot (PPO).
- How many $0-premium Medicare plans are in Monroe County?
- 3 of the 8 Medicare plans in Monroe County (38%) charge no monthly premium.
- What is the lowest out-of-pocket maximum in Monroe County?
- The lowest in-network out-of-pocket maximum among Medicare Advantage plans in Monroe County for 2027 is $6,700, on HumanaChoice R5826-005 (Regional PPO).
- Which insurance companies offer Medicare plans in Monroe County?
- The insurance companies offering Medicare plans in Monroe County for 2027 are: UnitedHealthcare (3 plans), Humana (3 plans), Florida Blue (2 plans).
- Are there Special Needs Plans in Monroe County?
- Yes. 1 Special Needs Plans are offered in Monroe County for 2027: 1 Dual Special Needs Plans (for people with both Medicare and Medicaid).
- What is the lowest Part D deductible in Monroe County?
- The lowest Part D deductible among plans with drug coverage in Monroe County for 2027 is $685.
Nearby counties
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.