Best Medicare Advantage Plans in Volusia County, FL for 2027
Every general-audience Medicare Advantage plan with drug coverage sold in Volusia 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.
Volusia County plans, ranked
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Freedom Platinum Rewards Plan Rx (HMO)Freedom Health, Inc. · HMO4 of 67 counties · drug deductible $0Part B giveback $202.90/mo · Dental · eyewear $300/yr · hearing aids $750/yr per ear · OTC items $480/yr | $0−$202.90 Part B giveback | $3,400 | $965 | 4★ |
| 2 | Freedom Platinum Plan Rx (HMO)Freedom Health, Inc. · HMO4 of 67 counties · drug deductible $0Dental · eyewear $300/yr · hearing aids $750/yr per ear · OTC items $540/yr | $0 | $2,000 | $2,000 | 4★ |
| 3 | Humana Gold Plus Giveback H1036-157 (HMO)Humana · HMO2 of 67 counties · drug deductible $700Part B giveback $136/mo · Dental up to $1,500/yr · eyewear $300/yr | $0−$136 Part B giveback | $3,700 | $2,068 | 4.5★ |
| 4 | CareFree Platinum Giveback (HMO)CarePlus Health Plans, Inc. · HMO5 of 67 counties · drug deductible $700Part B giveback $124.50/mo · Dental · eyewear $180/yr | $0−$124.50 Part B giveback | $3,750 | $2,256 | 4★ |
| 5 | Health First Emerald Plus H1099-028 (HMO)Health First Health Plans, Inc. · HMO2 of 67 counties · drug deductible $700Part B giveback $127/mo · Dental up to $1,000/yr · eyewear $250/yr | $0−$127 Part B giveback | $4,200 | $2,676 | 4★ |
| 6 | Humana Gold Plus H1036-044 (HMO)Humana · HMO2 of 67 counties · drug deductible $700Dental up to $1,500/yr · eyewear $350/yr | $0 | $2,700 | $2,700 | 4.5★ |
| 7 | CareOne Plus (HMO)CarePlus Health Plans, Inc. · HMO5 of 67 counties · drug deductible $700Part B giveback $2/mo · Dental · eyewear $400/yr | $0−$2 Part B giveback | $3,000 | $2,976 | 4★ |
| 8 | Wellcare Simple (HMO-POS)Wellcare · HMO-POS6 of 67 counties · drug deductible $700Dental · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $3,000 | $3,000 | 4★ |
| 9 | AARP Medicare Advantage from UHC FL-0005 (HMO-POS)UnitedHealthcare · HMO-POS8 of 67 counties · drug deductible $405Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0 | $3,900 | $3,900 | 4★ |
| 10 | Aetna Medicare Select (HMO)Aetna Medicare · HMO2 of 67 counties · drug deductible $200Dental up to $1,500/yr · eyewear $150/yr · hearing aids $1,000/yr per ear · OTC items $120/yr | $0 | $3,900 | $3,900 | 4★ |
| 11 | Health First SunSaver H1099-016 (HMO)Health First Health Plans, Inc. · HMO2 of 67 counties · drug deductible $700Dental up to $1,000/yr · eyewear $200/yr · OTC items $260/yr | $0 | $3,900 | $3,900 | 4★ |
| 12 | CareAccess (HMO)CarePlus Health Plans, Inc. · HMO17 of 67 counties · drug deductible $700Dental · eyewear $100/yr | $0 | $4,000 | $4,000 | 4★ |
| 13 | Freedom Medicare Plan Rx (HMO)Freedom Health, Inc. · HMO5 of 67 counties · drug deductible $0Dental · eyewear $100/yr · hearing aids $500/yr per ear · OTC items $420/yr | $0 | $4,450 | $4,450 | 4★ |
| 14 | Optimum Gold Rewards Plan (HMO)Optimum HealthCare, Inc. · HMO4 of 67 counties · drug deductible $0Dental · eyewear $100/yr · hearing aids $500/yr per ear · OTC items $360/yr | $0 | $4,450 | $4,450 | 4.5★ |
| 15 | DEVOTED CORE 057 FL (HMO)Devoted Health · HMO2 of 67 counties · drug deductible $650Dental up to $3,500/yr · eyewear $400/yr · OTC items $352/yr | $0 | $4,700 | $4,700 | 4.5★ |
| 16 | DEVOTED GIVEBACK EXTRAS 105 FL (HMO)Devoted Health · HMO2 of 67 counties · drug deductible $700Part B giveback $70/mo · Dental up to $3,750/yr · eyewear $400/yr · OTC items $748/yr | $0−$70 Part B giveback | $5,550 | $4,710 | 4.5★ |
| 17 | DEVOTED GIVEBACK 049 FL (HMO)Devoted Health · HMO2 of 67 counties · drug deductible $650Part B giveback $202/mo · Dental up to $1,250/yr · eyewear $350/yr · OTC items $284/yr | $0−$202 Part B giveback | $7,150 | $4,726 | 4.5★ |
| 18 | DEVOTED CORE 050 FL (HMO)Devoted Health · HMO2 of 67 counties · drug deductible $650Dental up to $1,500/yr · eyewear $150/yr | $0 | $4,950 | $4,950 | 4.5★ |
| 19 | AARP Medicare Advantage Giveback from UHC FL-40 (HMO-POS)UnitedHealthcare · HMO-POS19 of 67 counties · drug deductible $685Part B giveback $150/mo · Preventive dental · hearing aids $1,000/yr | $0−$150 Part B giveback | $7,150 | $5,350 | 4★ |
| 20 | Humana Essentials Plus Giveback (PPO)Humana · PPO37 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★ |
| 21 | Wellcare Giveback (HMO-POS)Wellcare · HMO-POS6 of 67 counties · drug deductible $700Part B giveback $94/mo · Dental | $0−$94 Part B giveback | $7,200 | $6,072 | 4★ |
| 22 | Aetna Medicare Signature Legacy (PPO)Aetna Medicare · PPO6 of 67 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr | $0 | $6,750 | $6,750 | 4★ |
| 23 | HealthSpring Preferred (HMO)HealthSpring · HMO8 of 67 counties · drug deductible $400Dental up to $1,900/yr · eyewear $200/yr | $0 | $7,100 | $7,100 | 3★ |
| 24 | AARP Medicare Advantage CareFlex from UHC FL-37 (HMO-POS)UnitedHealthcare · HMO-POS8 of 67 counties · drug deductible $685Preventive dental · eyewear $125/yr · hearing aids $1,000/yr | $0 | $7,150 | $7,150 | 4★ |
| 25 | AARP Medicare Advantage from UHC FL-0021 (PPO)UnitedHealthcare · PPO7 of 67 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 4★ |
| 26 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO6 of 67 counties · drug deductible $700Preventive dental · eyewear $100/yr | $0 | $7,150 | $7,150 | 4★ |
| 27 | Aetna Medicare Signature Extra (PPO)Aetna Medicare · PPO6 of 67 counties · drug deductible $700Dental up to $1,750/yr · eyewear $100/yr | $0 | $7,150 | $7,150 | 4★ |
| 28 | FHCP Medicare Classic (HMO)Florida Blue HMO · HMO4 of 67 counties · drug deductible $700Dental · eyewear $200/yr · OTC items $40/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 29 | Humana Value Choice (PPO)Humana · PPO28 of 67 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr | $0 | $7,150 | $7,150 | 4★ |
| 30 | HumanaChoice Florida H7284-009 (PPO)Humana · PPO34 of 67 counties · drug deductible $700Dental up to $1,000/yr · eyewear $200/yr | $38.90 | $6,750 | $7,217 | 3.5★ |
| 31 | FHCP Medicare Rx Plus (HMO)Florida Blue HMO · HMO2 of 67 counties · drug deductible $700Dental · eyewear $200/yr | $82 | $6,750 | $7,734 | 3.5★ |
| 32 | BlueMedicare Value (PPO)Florida Blue · PPO7 of 67 counties · drug deductible $700Dental · eyewear $200/yr | $0 | $7,900 | $7,900 | 3★ |
| 33 | HumanaChoice R5826-074 (Regional PPO)Humana · Regional PPOAll 67 counties · drug deductible $700Dental · eyewear $100/yr | $35 | $7,550 | $7,970 | 4★ |
| 34 | Aetna Medicare Premier (PPO)Aetna Medicare · PPO6 of 67 counties · drug deductible $700Dental up to $1,500/yr · eyewear $200/yr · OTC items $180/yr | $100 | $7,150 | $8,350 | 4★ |
| 35 | 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★ |
| 36 | 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: 48 in 2026, 47 in 2027.
- $0-premium plans: 41 in 2026, 40 in 2027.
- Median in-network out-of-pocket maximum: $6,700 in 2026, $6,750 in 2027.
- 72,139 people here were in a general-audience Advantage plan in October 2026; 13,414 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: CareSalute (HMO), Freedom Savings Plan (HMO), BlueMedicare Patriot Plus (PPO), Humana USAA Honor Giveback (PPO), BlueMedicare Patriot (PPO), Humana USAA Honor Giveback (PPO), Humana USAA Honor Giveback (HMO), Aetna Medicare Eagle Giveback (PPO), HumanaChoice R5826-018 (Regional PPO), AARP Medicare Advantage Patriot No Rx FL-MA2 (PPO), AARP Medicare Advantage Patriot No Rx FL-MA01 (Regional PPO).
Questions
How many Medicare Advantage plans are in Volusia County for 2027?
36 general-audience plans with drug coverage, 30 of them with a $0 monthly premium, compared with 48 plans and 41 $0-premium plans in 2026. Special Needs Plans aren't counted.
Which plan has the lowest worst-case cost in Volusia County?
Freedom Platinum Rewards Plan Rx (HMO) from Freedom Health, Inc.: $0 a month with an in-network out-of-pocket maximum of $3,400, so at most about $965 for the year in premiums and in-network costs.
Do any Volusia County plans have a Part B giveback?
10 do. The largest is $202.90 a month off your Part B premium, from Freedom Platinum Rewards Plan Rx (HMO).
How many Volusia County plans have 4 or more stars?
30 of 36, 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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