United States · Medicare Advantage · Florida
Which Medicare Advantage Plans Are Best in Florida for 2027?
Florida is one of the best-rated Medicare Advantage markets in the country. Of the 3,067,116 people in rated contracts there in October 2026, 89% are in one rated four stars or more for 2027, the sixth-highest share of the 50 states and territories we ranked [1,2,3]. Humana dominates: its H1036 contract, rated 4.5, has 541,268 Florida members on its own. The weak spots are a handful of 3 and 3.5-star contracts, Florida Blue's H5434 the largest of them, and a run of big contracts that slipped from 4.5 to 4 this year, UnitedHealthcare's H1045 and CarePlus among them.
The fifteen Medicare Advantage contracts with the most members in Florida
Members in Florida only, October 2026, with each contract's 2027 rating [1,2,3].
| Brand | Contract | 2027 stars | Change from 2026 | Members in Florida |
|---|---|---|---|---|
| Humana | H1036 | 4.5 | no change | 541,268 |
| UnitedHealthcare | H1045 | 4 | 4.5 → 4 | 396,323 |
| Humana | H5216 | 4 | 3.5 → 4 | 297,717 |
| UnitedHealthcare | H2406 | 4 | no change | 178,814 |
| CarePlus Health Plans, Inc. | H1019 | 4 | 4.5 → 4 | 170,999 |
| Humana | H7617 | 4.5 | no change | 140,170 |
| Aetna Medicare | H5521 | 4 | 4.5 → 4 | 107,795 |
| Freedom Health, Inc. | H5427 | 4 | 4.5 → 4 | 93,926 |
| Aetna Medicare | H5522 | 4.5 | no change | 88,419 |
| Optimum HealthCare, Inc. | H5594 | 4.5 | no change | 80,638 |
| UnitedHealthcare | H2509 | 3.5 | no change | 75,451 |
| UnitedHealthcare | H2001 | 4.5 | no change | 75,432 |
| Aetna Medicare | H1609 | 4 | 4.5 → 4 | 70,918 |
| HealthSun Health Plans, Inc. | H5431 | 4.5 | no change | 68,425 |
| UnitedHealthcare | H5420 | 4.5 | no change | 65,895 |
1. Florida's Medicare Advantage market
Florida has more people in rated Medicare Advantage contracts than any state but California, and the market is concentrated: the five largest contracts hold 52% of members [1,2,3]. Humana runs three of the six largest, and two of those are rated 4.5.
2. The best-rated options with real enrollment
Among contracts with at least 10,000 Florida members, the highest-rated are Leon Health's H4286 at five stars, with 40,582 members in the state, then Humana's H1036 and H7617 at 4.5 [1,2,3]. Optimum HealthCare, HealthSun and Aetna's H5522 are also 4.5. For every five-star contract and where it is licensed, see the five-star plans.
3. Who slipped
Four large Florida contracts dropped from 4.5 to 4 for 2027: UnitedHealthcare's H1045 with 396,323 members in the state, CarePlus's H1019, Aetna's H5521 and Freedom Health's H5427 [1,2,3]. Four stars is still above average, but if you chose one of these for its 4.5, it is worth comparing again this autumn.
4. The weakest
Florida Blue's H5434, at 3 stars with 61,305 members, is the largest low-rated contract in the state, and HealthSpring's H5410 is also at 3 [1,2,3]. For the lowest-rated plans nationally, see the worst Medicare Advantage plans.
Other states: Texas, Georgia, California, New York. How every state compares: the state ranking. Look up any contract in the 2027 star ratings, or see Humana's full list on the Humana page.
Frequently asked questions
What is the best Medicare Advantage plan in Florida for 2027?
Which Medicare Advantage plans in Florida are rated lowest?
Sources
Every figure on this page is footnoted to one of the primary documents below. Reliability tiers: A = regulator, court or filed document; B = reputable publisher or carrier official page; C = user-generated (reported by users).
- 1.Centers for Medicare & Medicaid Services — 2027 Part C and D Star Ratings data tables (Summary Ratings, Low Performing and High Performing Contracts, Domain and Measure Stars), 8 October 2026. https://www.cms.gov/files/zip/2027-star-ratings-data-tables-oct-8-2026.zipTier A · Regulator / court / filed document · Published 2026-10-08 · Accessed 2026-10-18
- 2.Centers for Medicare & Medicaid Services — 2026 Part C and D Star Ratings data tables, Summary Ratings as updated 22 July 2026. https://www.cms.gov/files/zip/2026-star-ratings-data-tables.zipTier A · Regulator / court / filed document · Published 2026-07-22 · Accessed 2026-10-18
- 3.Centers for Medicare & Medicaid Services — Monthly MA Enrollment by State/County/Contract, October 2026 (abridged version, rows of 10 or fewer enrollees excluded). https://www.cms.gov/files/zip/ma-enrollment-state-county-contract-october-2026-abridged-version-exclude-rows-10-or-less-enrollees.zipTier A · Regulator / court / filed document · Published 2026-10-15 · Accessed 2026-10-18
- 4.Centers for Medicare & Medicaid Services — MA and Part D State Service Area, October 2026. https://www.cms.gov/files/zip/state-service-area-october-2026.zipTier A · Regulator / court / filed document · Published 2026-10-15 · Accessed 2026-10-18