Medicare Plans in Polk County, Florida — 2027
The short answer: 110 Medicare plans are available in Polk County, Florida for 2027, offered by 14 insurance companies. Monthly premiums range from $0 to $161. 99 of these plans (90%) charge no monthly premium. The lowest in-network out-of-pocket maximum among Medicare Advantage plans in Polk County is $500.
Plans available110
Insurance companies14
Premium range$0 to $161
Median premium$0
$0-premium plans99 (90%)
Plans available in Polk County
| Plan | Insurance company | Plan type | Monthly premium | CMS star rating |
|---|---|---|---|---|
| AARP Medicare Advantage CareFlex from UHC FL-34 (HMO-POS) | UnitedHealthcare | HMO-POS | $0 | 4 out of 5 stars |
| 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-0006 (HMO-POS) | UnitedHealthcare | HMO-POS | $0 | 4 out of 5 stars |
| AARP Medicare Advantage from UHC FL-0019 (PPO) | UnitedHealthcare | PPO | $0 | 4 out of 5 stars |
| AARP Medicare Advantage from UHC FL-003P (HMO-POS) | UnitedHealthcare | HMO-POS | $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 QMB Only 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-POS) | Aetna Medicare | HMO-POS | $0 | 4 out of 5 stars |
| Aetna Medicare Signature (PPO) | Aetna Medicare | PPO | $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 |
| BayCarePlus Complete (HMO) | BayCare Health Plans | HMO | $0 | 4 out of 5 stars |
| BayCarePlus Rewards (HMO) | BayCare Health Plans | HMO | $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 Preferred (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 Platinum (HMO C-SNP) | CarePlus Health Plans, Inc. | HMO C-SNP | $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 |
| CareSalute (HMO) | CarePlus Health Plans, Inc. | HMO | $0 | 4 out of 5 stars |
| DEVOTED C-SNP ENHANCED 072 FL (HMO C-SNP) | Devoted Health | HMO C-SNP | $0 | 4.5 out of 5 stars |
| DEVOTED C-SNP PLUS 088 FL (HMO C-SNP) | Devoted Health | HMO C-SNP | $0 | 4.5 out of 5 stars |
| DEVOTED CORE 036 FL (HMO) | Devoted Health | HMO | $0 | 4.5 out of 5 stars |
| DEVOTED CORE 037 FL (HMO) | Devoted Health | HMO | $0 | 4.5 out of 5 stars |
| DEVOTED CORE 065 FL (HMO) | Devoted Health | HMO | $0 | 4.5 out of 5 stars |
| DEVOTED DUAL 024 FL (HMO D-SNP) | Devoted Health | HMO D-SNP | $0 | 4.5 out of 5 stars |
| DEVOTED DUAL FULL 081 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 051 FL (HMO) | Devoted Health | HMO | $0 | 4.5 out of 5 stars |
| DEVOTED GIVEBACK EXTRAS 115 FL (HMO) | Devoted Health | HMO | $0 | 4.5 out of 5 stars |
| DrExtraCare-CFL (HMO C-SNP) | Doctors HealthCare Plans, Inc. | HMO C-SNP | $0 | 4.5 out of 5 stars |
| DrPartialDual-CFL (HMO D-SNP) | Doctors HealthCare Plans, Inc. | HMO D-SNP | $0 | 4.5 out of 5 stars |
| DrSelect-CFL (HMO) | Doctors HealthCare Plans, Inc. | HMO | $0 | 4.5 out of 5 stars |
| Florida Complete Care (HMO I-SNP) | Florida Complete Care | HMO I-SNP | $0 | 3 out of 5 stars |
| Florida Complete Care- In The Community (HMO-POS I-SNP) | Florida Complete Care | HMO-POS I-SNP | $0 | 3 out of 5 stars |
| Florida Complete Care-Duals VIP (HMO-POS D-SNP) | Florida Complete Care | HMO-POS D-SNP | $0 | 3 out of 5 stars |
| Freedom Medi-Medi Partial (HMO D-SNP) | Freedom Health, Inc. | HMO D-SNP | $0 | 4 out of 5 stars |
| Freedom Máximo (HMO-POS) | Freedom Health, Inc. | HMO-POS | $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 Rewards (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 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 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 |
| 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 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 |
| Solis Healthy Living Plan (HMO) | Solis Health Plans | HMO | $0 | 4.5 out of 5 stars |
| Solis Wellness Giveback Plan (HMO C-SNP) | Solis Health Plans | HMO C-SNP | $0 | 4.5 out of 5 stars |
| Solis Wellness Plan (HMO C-SNP) | Solis Health Plans | HMO C-SNP | $0 | 4.5 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 |
| 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 |
| DrFullDual-CFL (HMO D-SNP) | Doctors HealthCare Plans, Inc. | HMO D-SNP | $4.10 | 4.5 out of 5 stars |
| UHC Nursing Home Plan FL-F001 (PPO I-SNP) | UnitedHealthcare | PPO I-SNP | $6.10 | 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 |
| Solis Guardian Plan (HMO D-SNP) | Solis Health Plans | HMO D-SNP | $7.30 | 4.5 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 |
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 Polk County compares with Florida
Polk County has 110 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 Polk County the median monthly premium is $0, and residents can choose from 14 insurance companies.
Insurance companies in Polk County
- Humana — 28 plans
- UnitedHealthcare — 16 plans
- Freedom Health — 14 plans
- Devoted Health — 10 plans
- Aetna — 10 plans
- Wellcare — 5 plans
- Florida Blue — 5 plans
- Ultimate Health Plans — 5 plans
- Solis Health Plans — 4 plans in Polk County — see statewide line-up
- Doctors HealthCare Plans — 4 plans in Polk County — see statewide line-up
- HealthSpring — 3 plans in Polk County — see statewide line-up
- Florida Complete Care — 3 plans in Polk County — see statewide line-up
- BayCare Health Plans — 2 plans in Polk County — see statewide line-up
- Longevity Health Plan — 1 plan in Polk County — see statewide line-up
Special Needs Plans in Polk County
60 of the plans in Polk County are Special Needs Plans: 35 Dual Special Needs Plans (for people with both Medicare and Medicaid); 21 Chronic Condition Special Needs Plans; 4 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 Polk County in 2027?
- 110 Medicare plans are available in Polk County, Florida for 2027, offered by 14 insurance companies.
- What is the lowest Medicare Advantage premium in Polk County?
- The lowest monthly premium in Polk County is $0, charged by Solis Healthy Living Plan (HMO).
- How many $0-premium Medicare plans are in Polk County?
- 99 of the 110 Medicare plans in Polk County (90%) charge no monthly premium.
- What is the lowest out-of-pocket maximum in Polk County?
- The lowest in-network out-of-pocket maximum among Medicare Advantage plans in Polk County for 2027 is $500, on Advantage Plus by Ultimate (Full) (HMO D-SNP).
- Which insurance companies offer Medicare plans in Polk County?
- The insurance companies offering Medicare plans in Polk County for 2027 are: Humana (28 plans), UnitedHealthcare (16 plans), Freedom Health (14 plans), Devoted Health (10 plans), Aetna (10 plans), Wellcare (5 plans), Florida Blue (5 plans), Ultimate Health Plans (5 plans), Solis Health Plans (4 plans), Doctors HealthCare Plans (4 plans), HealthSpring (3 plans), Florida Complete Care (3 plans), BayCare Health Plans (2 plans), Longevity Health Plan (1 plans).
- Are there Special Needs Plans in Polk County?
- Yes. 60 Special Needs Plans are offered in Polk County for 2027: 35 Dual Special Needs Plans (for people with both Medicare and Medicaid); 21 Chronic Condition Special Needs Plans; 4 Institutional Special Needs Plans.
- What is the lowest Part D deductible in Polk County?
- The lowest Part D deductible among plans with drug coverage in Polk County for 2027 is $0.
Nearby counties
- Medicare plans in Hardee County
- Medicare plans in Highlands County
- Medicare plans in Hillsborough County
- Medicare plans in Lake County
- Medicare plans in Manatee County
- Medicare plans in Okeechobee County
- Medicare plans in Orange County
- Medicare plans in Osceola County
- Medicare plans in Pasco County
- Medicare plans in Sumter 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.