Best Medicare Advantage Plans in Miami-Dade County, FL for 2027
Every general-audience Medicare Advantage plan with drug coverage sold in Miami-Dade County, ranked by what it could cost you in a bad year: 12 months of premiums, less any Part B giveback, plus the in-network out-of-pocket maximum.
Miami-Dade County plans, ranked
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | CareOne Plus (HMO)CarePlus Health Plans, Inc. · HMO1 of 67 counties · drug deductible $0Part B giveback $13.50/mo · Dental · eyewear $115/yr | $0−$13.50 Part B giveback | $500 | $338 | 4★ |
| 2 | Humana Gold Plus H1036-054C (HMO)Humana · HMO1 of 67 counties · drug deductible $0Part B giveback $9.30/mo · Dental up to $6,000/yr · eyewear $450/yr | $0−$9.30 Part B giveback | $500 | $388 | 4.5★ |
| 3 | Leon MediExtra (HMO)Leon Health, Inc. · HMO1 of 67 counties · drug deductible $0Part B giveback $32/mo · Dental up to $10,300/yr · eyewear $500/yr · hearing aids $350/yr per ear · OTC items $1,200/yr | $0−$32 Part B giveback | $1,000 | $616 | 5★ |
| 4 | CareFree Platinum Giveback (HMO)CarePlus Health Plans, Inc. · HMO1 of 67 counties · drug deductible $700Part B giveback $178/mo · Dental · eyewear $100/yr | $0−$178 Part B giveback | $3,000 | $864 | 4★ |
| 5 | HealthSun HealthAdvantage Plan (HMO)HealthSun Health Plans, Inc. · HMO1 of 67 counties · drug deductible $0Part B giveback $45/mo · Dental up to $5,000/yr · eyewear $400/yr · hearing aids $2,000/yr · OTC items $1,044/yr | $0−$45 Part B giveback | $1,500 | $960 | 4.5★ |
| 6 | HealthSun HealthAdvantage Plus (HMO)HealthSun Health Plans, Inc. · HMO1 of 67 counties · drug deductible $0Part B giveback $202.90/mo · Dental up to $5,000/yr · eyewear $200/yr · hearing aids $2,000/yr · OTC items $1,080/yr | $0−$202.90 Part B giveback | $3,450 | $1,015 | 4.5★ |
| 7 | Leon MediMore (HMO)Leon Health, Inc. · HMO1 of 67 counties · drug deductible $0Part B giveback $202.90/mo · Dental up to $5,600/yr · eyewear $320/yr · hearing aids $350/yr per ear · OTC items $600/yr | $0−$202.90 Part B giveback | $3,450 | $1,015 | 5★ |
| 8 | Humana Gold Plus Giveback H1036-305 (HMO)Humana · HMO3 of 67 counties · drug deductible $0Part B giveback $148/mo · Dental up to $1,000/yr · eyewear $200/yr | $0−$148 Part B giveback | $3,850 | $2,074 | 4.5★ |
| 9 | CareAccess (HMO)CarePlus Health Plans, Inc. · HMO3 of 67 counties · drug deductible $0Part B giveback $10.50/mo · Dental · eyewear $100/yr | $0−$10.50 Part B giveback | $2,250 | $2,124 | 4★ |
| 10 | UHC Preferred Medicare Advantage FL-0001 (HMO)UnitedHealthcare · HMO1 of 67 counties · drug deductible $0Part B giveback $55/mo · Dental · eyewear $200/yr · hearing aids $700/yr | $0−$55 Part B giveback | $2,900 | $2,240 | 4★ |
| 11 | Solis Healthy Living Plan (HMO)Solis Health Plans · HMO1 of 67 counties · drug deductible $0Part B giveback $11.30/mo · Dental up to $3,500/yr · eyewear $350/yr · hearing aids $2,000/yr · OTC items $1,260/yr | $0−$11.30 Part B giveback | $2,500 | $2,364 | 4.5★ |
| 12 | Wellcare Simple (HMO-POS)Wellcare · HMO-POS3 of 67 counties · drug deductible $700Dental · eyewear $400/yr · hearing aids $350/yr per ear | $0 | $2,700 | $2,700 | 4★ |
| 13 | DrMax-Dade (HMO)Doctors HealthCare Plans, Inc. · HMO1 of 67 counties · drug deductible $0Part B giveback $17/mo · Dental · eyewear $400/yr · hearing aids $675/yr · OTC items $960/yr | $0−$17 Part B giveback | $3,000 | $2,796 | 4.5★ |
| 14 | Aetna Medicare Select Care (HMO)Aetna Medicare · HMO1 of 67 counties · drug deductible $0Dental up to $2,000/yr · eyewear $150/yr · hearing aids $1,000/yr per ear · OTC items $120/yr | $0 | $2,900 | $2,900 | 4★ |
| 15 | DrSelect-SFL (HMO)Doctors HealthCare Plans, Inc. · HMO2 of 67 counties · drug deductible $0Dental · eyewear $400/yr · hearing aids $675/yr | $0 | $3,000 | $3,000 | 4.5★ |
| 16 | Wellcare Giveback (HMO-POS)Wellcare · HMO-POS3 of 67 counties · drug deductible $700Part B giveback $163.60/mo · Dental up to $2,000/yr · eyewear $200/yr | $0−$163.60 Part B giveback | $5,000 | $3,037 | 4★ |
| 17 | DEVOTED CORE 062 FL (HMO)Devoted Health · HMO1 of 67 counties · drug deductible $465Part B giveback $18/mo · Dental up to $3,500/yr · eyewear $400/yr · OTC items $372/yr | $0−$18 Part B giveback | $3,400 | $3,184 | 4.5★ |
| 18 | UHC MedicareMax Medicare Advantage FL-0028 (HMO)UnitedHealthcare · HMO1 of 67 counties · drug deductible $0Part B giveback $50/mo · Dental · eyewear $200/yr · hearing aids $700/yr | $0−$50 Part B giveback | $3,900 | $3,300 | 4.5★ |
| 19 | HealthSun MediMax (HMO)HealthSun Health Plans, Inc. · HMO2 of 67 counties · drug deductible $105Dental up to $5,000/yr · eyewear $400/yr · hearing aids $2,000/yr · OTC items $1,020/yr | $0 | $3,450 | $3,450 | 4.5★ |
| 20 | DEVOTED CORE 001 FL (HMO)Devoted Health · HMO1 of 67 counties · drug deductible $600Part B giveback $10/mo · Dental up to $1,500/yr · eyewear $350/yr | $0−$10 Part B giveback | $3,900 | $3,780 | 4.5★ |
| 21 | DEVOTED CORE 037 FL (HMO)Devoted Health · HMO1 of 67 counties · drug deductible $650Part B giveback $4.80/mo · Dental up to $1,500/yr · eyewear $150/yr | $0−$4.80 Part B giveback | $3,900 | $3,842 | 4.5★ |
| 22 | HumanaChoice Florida H5216-068 (PPO)Humana · PPO3 of 67 counties · drug deductible $700Dental up to $2,500/yr · eyewear $100/yr | $0 | $3,900 | $3,900 | 4★ |
| 23 | HumanaChoice Florida H7617-107 (PPO)Humana · PPO3 of 67 counties · drug deductible $700Dental up to $3,000/yr · eyewear $100/yr | $0 | $3,900 | $3,900 | 4.5★ |
| 24 | DEVOTED GIVEBACK EXTRAS 110 FL (HMO)Devoted Health · HMO1 of 67 counties · drug deductible $700Part B giveback $70/mo · Dental up to $3,750/yr · eyewear $400/yr · OTC items $608/yr | $0−$70 Part B giveback | $5,150 | $4,310 | 4.5★ |
| 25 | DEVOTED GIVEBACK 013 FL (HMO)Devoted Health · HMO1 of 67 counties · drug deductible $650Part B giveback $202/mo · Dental up to $1,500/yr · eyewear $350/yr · OTC items $400/yr | $0−$202 Part B giveback | $7,150 | $4,726 | 4.5★ |
| 26 | HumanaChoice Florida H7284-008 (PPO)Humana · PPO4 of 67 counties · drug deductible $700Dental · eyewear $200/yr | $52 | $4,150 | $4,774 | 3.5★ |
| 27 | HumanaChoice Giveback H7617-110 (PPO)Humana · PPO9 of 67 counties · drug deductible $700Part B giveback $161.50/mo · Dental · eyewear $100/yr | $0−$161.50 Part B giveback | $7,150 | $5,212 | 4.5★ |
| 28 | HumanaChoice Giveback H5216-311 (PPO)Humana · PPO9 of 67 counties · drug deductible $700Part B giveback $155/mo · Dental · eyewear $100/yr | $0−$155 Part B giveback | $7,150 | $5,290 | 4★ |
| 29 | HumanaChoice Giveback H7617-145 (PPO)Humana · PPO9 of 67 counties · drug deductible $700Part B giveback $92/mo · Dental up to $500/yr · eyewear $100/yr | $0−$92 Part B giveback | $7,150 | $6,046 | 4.5★ |
| 30 | BlueMedicare Classic (HMO)Florida Blue HMO · HMO1 of 67 counties · drug deductible $700Dental · eyewear $100/yr | $0 | $6,675 | $6,675 | 3.5★ |
| 31 | HumanaChoice R5826-074 (Regional PPO)Humana · Regional PPOAll 67 counties · drug deductible $700Dental · eyewear $100/yr | $35 | $7,550 | $7,970 | 4★ |
| 32 | HumanaChoice R5826-005 (Regional PPO)Humana · Regional PPOAll 67 counties · drug deductible $700Dental up to $750/yr · eyewear $100/yr | $161 | $6,700 | $8,632 | 4★ |
| 33 | BlueMedicare Select (PPO)Florida Blue · PPO17 of 67 counties · drug deductible $700Dental · eyewear $100/yr | $173 | $7,500 | $9,576 | 3★ |
| 34 | AARP Medicare Advantage from UHC FL-0031 (Regional PPO)UnitedHealthcare · Regional PPOAll 67 counties · drug deductible $685eyewear $100/yr · hearing aids $700/yr | $127 | $9,850 | $11,374 | 3.5★ |
Worst-case year = 12 × (monthly plan premium − any Part B giveback) + in-network maximum out-of-pocket. The giveback is money back on the Part B premium ($202.90 a month in 2026), which is otherwise the same for everyone, so a large one can push the worst-case year below $0; drug costs are capped separately at $2,400 in 2027. Other extras are the yearly maximums each plan filed with CMS and don’t change the order. Methodology
What changed since 2026
- Plans with drug coverage: 46 in 2026, 41 in 2027.
- $0-premium plans: 39 in 2026, 35 in 2027.
- Median in-network out-of-pocket maximum: $3,900 in 2026, $3,900 in 2027.
- 165,428 people here were in a general-audience Advantage plan in October 2026; 17,966 of them are in a plan that ends or leaves the county for 2027 and must choose again.
From our 2026 vs. 2027 Medicare Advantage study (CMS landscape, enrollment and crosswalk files).
Before you enroll, check that your doctors are in the plan’s network and how it covers your drugs in the Medicare Plan Finder. Weighing Advantage against Original Medicare with a Medigap plan? Run the county calculator.
Also sold here without drug coverage: Humana USAA Honor Giveback (HMO), CareSalute (HMO), Humana USAA Honor Giveback (PPO), Humana USAA Honor Giveback (PPO), BlueMedicare Patriot (PPO), HumanaChoice R5826-018 (Regional PPO), AARP Medicare Advantage Patriot No Rx FL-MA01 (Regional PPO).
Questions
How many Medicare Advantage plans are in Miami-Dade County for 2027?
34 general-audience plans with drug coverage, 29 of them with a $0 monthly premium, compared with 46 plans and 39 $0-premium plans in 2026. Special Needs Plans aren't counted.
Which plan has the lowest worst-case cost in Miami-Dade County?
CareOne Plus (HMO) from CarePlus Health Plans, Inc.: $0 a month with an in-network out-of-pocket maximum of $500, so at most about $338 for the year in premiums and in-network costs.
Do any Miami-Dade County plans have a Part B giveback?
22 do. The largest is $202.90 a month off your Part B premium, from HealthSun HealthAdvantage Plus (HMO).
How many Miami-Dade County plans have 4 or more stars?
30 of 34, based on CMS's 2027 ratings of the contract behind each plan.
Sources
- CMS, CY 2027 Medicare Advantage and Prescription Drug Plan Landscape (CY2027_Landscape_202609.csv), from cms.gov; extra benefits (Part B giveback, dental, eyewear, hearing aids, over-the-counter allowance) from the CMS CY 2027 Plan Benefit Package files, cms.gov, yearly amounts as each plan filed them; star ratings from the CMS 2027 Star Ratings Data Tables (October 8, 2026), cms.gov. Ratings are per contract, so plans under the same contract share one rating. General-audience plans only: Special Needs Plans, Cost plans and employer group plans are not ranked.
- County population: 2020 Census, via the USDA Rural-Urban Continuum Codes (2023).
Educational information, not a recommendation to join any plan. We are not an insurance agent or broker, and we are not connected with or endorsed by the U.S. government or the federal Medicare program. · Advertiser disclosure
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