Best Medicare Advantage Plans in Florida (2027)

Doctors HealthCare Plans is the best Medicare Advantage provider in Florida for 2027. All three of its HMO plans have $0 monthly premiums and annual out-of-pocket maximums ranging from $3,000 to $3,500, well below Florida’s HMO median of $3,900. All three plans have $0 inpatient hospital copays, while two also offer $0 primary care and specialist visits. Every plan includes vision and hearing benefits, with eyewear allowances up to $400 and hearing aid coverage up to $1,500.

Doctors HealthCare also has a 4.5-star CMS rating and a CAHPS member satisfaction score of 93 out of 100, which is the second-highest in the state behind Leon Health's 94 CAHPS score. Availability is limited to eight Florida counties, primarily in South and Central Florida, and none of its plans include dental coverage.

Solis Health Plans offers some of Florida’s lowest Medicare Advantage out-of-pocket costs alongside comprehensive supplemental benefits. All five of its HMO plans have $0 monthly premiums and a median annual out-of-pocket maximum of $2,900, the lowest among Florida’s top-rated carriers. Every plan includes dental coverage with annual maximums up to $3,500, along with vision and hearing allowances, a combination that few Florida carriers offer.

Solis has a 4.5-star CMS rating and a CAHPS member satisfaction score of 92 out of 100. Its plans are available in 10 counties across South and Central Florida, including Miami-Dade, Broward, Palm Beach and Hillsborough. Although its service area covers just 15% of Florida’s counties, Solis is among the best Medicare Advantage options for residents where its plans are available.

Optimum HealthCare offers all six of its 2027 Medicare Advantage HMO plans at $0 monthly premiums and holds a 4.5-star CMS rating, among the highest in Florida. Its Platinum plan has a $1,000 annual out-of-pocket maximum and $0 copays for primary care and specialist visits. Every plan in its lineup includes a $1,500 hearing aid allowance and a $400 vision allowance. Optimum’s median annual out-of-pocket maximum is $3,175, 24% below the state median of $4,200. It also has a CAHPS member satisfaction score of 90 out of 100.

Optimum serves 15 of Florida’s 67 counties,. Its Gold Rewards and Platinum plans are available only in Broward, Hillsborough, Pasco and Pinellas counties. None of its 2027 plans include supplemental dental coverage.

Humana Medicare Advantage plans are available in all 67 Florida counties. Its 46 plans include 25 HMOs, 18 PPOs and three regional PPOs, though availability varies by county. 93% of its plans have $0 monthly premiums, and every plan includes vision and hearing benefits. 91% of its plans also include dental coverage.

Humana’s Florida plans have a median CMS rating of 4.5 stars and a median annual out-of-pocket maximum of $4,225, though some plans cap costs as low as $500 and others as high as $7,550. Primary care visits average $25 in copays, while specialist visits average $15. With statewide availability, multiple plan types and broad supplemental benefits, Humana has a wide range of options for Floridians with varying coverage needs.

Freedom Health offers all 16 of its Florida Medicare Advantage plans at $0 monthly premiums, with additional savings on medical care. Its Freedom Platinum Plan Rx has $0 copays for primary care and specialist visits and an annual out-of-pocket maximum as low as $1,750. The carrier has a 4.0-star CMS rating and serves 23 counties across Central and Southwest Florida.

All Freedom Health plans include vision and hearing benefits, with annual eyewear allowances up to $400 and hearing aid coverage up to $1,500. None of its plans include supplemental dental coverage. Freedom Health's CAHPS member satisfaction score of 88 out of 100 is just below the state average of 89. Still, for residents in its service area, the combination of $0 premiums, low copays and supplemental benefits makes Freedom Health a competitive option.

Devoted Health provides 53 Medicare Advantage plans across 38 Florida counties, so residents in more than half the state have access to its coverage. All plans have $0 monthly premiums and include dental, vision and hearing benefits. Devoted is a strong option for beneficiaries seeking comprehensive supplemental coverage without an additional monthly premium.

Devoted’s HMO plans have a 4.5-star CMS rating, while its CAHPS member satisfaction score of 91 out of 100 is among Florida’s highest. Its Top Core HMO plans have annual out-of-pocket maximums ranging from $3,400 to $3,900. Rather than offering a fixed hearing aid allowance, all 53 plans use copays starting at $399 per hearing aid. Its PPO plans have a lower 4.0-star CMS rating with MOOP limits from $6,150 to $9,850.

BayCare Health Plans has competitive Medicare Advantage plans in Florida’s Tampa Bay area, with low out-of-pocket costs and supplemental benefits. Its BayCarePlus Complete (HMO) plan has a $0 monthly premium and a $2,000 annual out-of-pocket maximum, among the lowest in the state. Primary care visits cost $20, while specialist visits carry a $15 copay. The plan also includes up to $3,000 in annual dental coverage and a $200 over-the-counter (OTC) allowance.

BayCarePlus Complete has a 4-star CMS rating and a CAHPS member satisfaction score of 89 out of 100, on par with the state average. Coverage is limited to Hillsborough, Pasco, Pinellas and Polk counties through the BayCare Health System network. For eligible residents in these counties, the plan combines low medical costs, dental benefits and strong member satisfaction ratings.

Wellcare offers affordable Medicare Advantage coverage across Florida, with all 14 of its HMO-POS plans carrying $0 monthly premiums. Its lowest-cost plan in the Orlando area has a $1,000 annual out-of-pocket maximum, among the lowest in the state. Across its Florida lineup, the median out-of-pocket maximum is $4,000, while select plans offer $0 copays for primary care and specialist visits. Supplemental benefits vary by plan, with dental coverage up to $5,000, vision allowances up to $400 and hearing benefits up to $3,000.

Wellcare has a 4.0-star average CMS rating and a CAHPS member satisfaction score of 86 out of 100, which is below the state average of 89. Its plans are available in 36 of Florida’s 67 counties, including Miami-Dade, Hillsborough and Broward.

CarePlus Health Plans offers all of its Florida Medicare Advantage plans at $0 monthly premiums, with both HMO and HMO-POS options. Annual out-of-pocket maximums range from $500 to $5,000, while median copays for primary care and specialist visits are $20. Every plan includes vision and hearing benefits, though none offer supplemental dental coverage.

CarePlus has a 4.0-star CMS rating and serves 20 Florida counties, including Miami-Dade, Broward, Duval and Palm Beach. Its service area covers about 30% of the state’s counties, which limits availability for many residents. For those within its coverage area, CarePlus offers affordable premiums and supplemental benefits, though out-of-pocket costs vary widely by plan.

Health First Health Plans has low specialist copays and dental benefits included across its seven plans. Its Health First Classic HMO-POS plan has a $0 monthly premium and a $3,600 annual out-of-pocket maximum, compared with the $3,900 median across Health First’s plans. Specialist visits cost $5, and members receive a $360 annual over-the-counter (OTC) allowance. All seven plans include comprehensive dental coverage, with annual benefit maximums ranging from $750 to $1,250.

Health First has a 4.0-star CMS rating and a CAHPS member satisfaction score of 92 out of 100, which is above the state average of 89. Its plans serve four counties along Florida’s east coast: Brevard, Indian River, Flagler and Volusia. Availability varies by plan, with Health First Classic only available in Brevard and Indian River counties.