---
title: Atlas Commons research objects — Medicare plans in Gulf, Florida (CY2026)
license: CC0-1.0
source: CMS CY2026 Medicare Landscape Files
---

# Atlas Commons research objects — Medicare plans in Gulf, Florida (CY2026)

CMS CY2026 Medicare Advantage and Part D plans available in Gulf, Florida: plan count (AGGREGATED), premium range (RECORDED from CMS Landscape Files), CMS star ratings (DETERMINATION — CMS-issued institutional quality rating), and epistemic boundary (INTERPRETATION). Premiums are base plan premiums; actual cost depends on Part B premium, IRMAA, and LIS. Star ratings are CMS quality scores. This surface informs; it does not rank or advise. Use medicare.gov/plan-compare to enroll. CC0.

## Claims

### 26 Medicare plans are available in Gulf, Florida for contract year 2026

**DERIVED.** The CMS CY2026 Medicare Landscape Files record 26 Medicare Advantage and Part D plans available in Gulf, Florida. Atlas Commons counted the rows; CMS published the underlying plan×county records, not this county-level total.

Source: CMS CY2026 Medicare Landscape Files — https://www.cms.gov/medicare/health-drug-plans/medicare-advantage/plan-information/plan-information
Falsifier: occurred=TRUE: a faithful COUNT/SUM/total over the named record set that introduces NO modeling choice — it IS the case in the record. adjudged=FALSE: Atlas Commons computed the aggregate; CMS CY2026 Medicare Landscape Files published the underlying records, NOT this figure. Re-count it from the named source to verify. Distinct from a median/ratio/index (which picks a population, weighting, denominator, or threshold — a constructed statistic → 'derived', occurred=FALSE) and from an authority-published total (→ 'recorded', adjudged=TRUE).

### Monthly premiums for Medicare plans in Gulf, Florida range from $0.00/mo to $184.00/mo (CY2026)

**RECORDED.** The CMS CY2026 Medicare Landscape Files publish per-plan monthly consolidated premiums for Gulf, Florida. Across the 26 plans with a published premium, the range is $0.00/mo to $184.00/mo. These are the plan's base monthly premium — your actual cost depends on income-related adjustments (IRMAA), any applicable Low Income Subsidy (LIS/Extra Help), and your Part B premium. A $0 plan premium does not mean $0 total cost.

Source: CMS CY2026 Medicare Landscape Files — https://www.cms.gov/medicare/health-drug-plans/medicare-advantage/plan-information/plan-information
Falsifier: Verify in the CMS CY2026 Medicare Landscape Files for Gulf, Florida. Falsified if the CMS-published per-plan premium figures differ.

### CMS assigned star ratings to 26 of 26 Medicare plans in Gulf, Florida (CY2026); average overall: 3.8 stars

**PROJECTED.** CMS issued Overall star ratings (1–5 stars) to 26 of 26 Medicare plans in Gulf, Florida for CY2026. The unweighted average overall star rating across rated plans is 3.8. Star ratings are CMS quality scores — an institutional determination, not a measured event. A higher rating reflects better performance across CMS quality measures. Ratings cover the contract's overall performance, not this county specifically; a plan may be available in your county with a rating earned across its full service area.

Source: CMS CY2026 Medicare Landscape Files — https://www.cms.gov/medicare/health-drug-plans/medicare-advantage/plan-information/plan-information
Falsifier: Verify CMS star ratings for these contract IDs at the CMS Medicare Plan Finder or the CMS star ratings dataset. Falsified if the CMS-published ratings for these contracts differ. Note: PDP-only plans and newly contracted plans may not have an overall star rating — the 0 unrated plans in this county are not rated, not unqualified.

### What these Medicare plan figures are — and are NOT — for Gulf, Florida (the epistemic boundary)

**INTERPRETATION.** This page lists Medicare Advantage (MA) and Part D Prescription Drug Plan (PDP) plans available in Gulf, Florida for CY2026, with their CMS-published base premiums and CMS star ratings. The premiums shown are the PLAN's base monthly premium — your actual monthly cost depends on the Part B premium (deducted from Social Security for most enrollees), income-related premium adjustments (IRMAA), and any Low Income Subsidy (Extra Help). A star rating is CMS's quality score for the plan's overall performance — a higher rating is generally better, but the "best" plan depends on your specific prescriptions, preferred doctors, and budget. This surface informs and compares; it does NOT rank plans, recommend a "best" plan, or account for your individual situation. To compare plans with your specific drugs and providers and to enroll, use the official Medicare Plan Finder at medicare.gov/plan-compare. For free, unbiased help, contact your State Health Insurance Assistance Program (SHIP) or call 1-800-MEDICARE (1-800-633-4227).

Source: Coverage Atlas framing (over the CMS facts above) — https://coverage-atlas.ryanjhunter.workers.dev/coverage/medicare-plans/fl/gulf
Falsifier: occurred=FALSE (a framing) and adjudged=FALSE (the atlas's reading, not a CMS verdict) — the LOWEST-warrant claim here.

---

Every claim above carries a four-status warrant (RECORDED / MODELED / DERIVED / INTERPRETATION) and a named source you can re-fetch — this is a research object, not a flat fact. Structured: `https://coverage-atlas.ryanjhunter.workers.dev/coverage/medicare-plans/fl/gulf.jsonld`

## Data

### Medicare plans in Gulf, Florida (CY2026) — all RECORDED/DETERMINATION

Plan list from the CMS CY2026 Medicare Landscape Files. Premiums = RECORDED (CMS-published per-plan figures). Star ratings = DETERMINATION (CMS-issued institutional quality ratings). Plan count = AGGREGATED (Atlas Commons counted the rows; CMS published them).

| contract_plan_id | plan_name | category | plan_type | organization | monthly_premium_usd | overall_stars | moop_in_network_usd | snp |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| H1032_202 | Wellcare Dual Reserve (HMO D-SNP) | SNP | HMO D-SNP | Wellcare | 4.8 | 4 | 3000 | No |
| H1032_240 | Wellcare Dual Access Sync (HMO D-SNP) | SNP | HMO D-SNP | Wellcare | 4.8 | 4 | 9250 | No |
| H1032_242 | Wellcare Sunshine Health Dual Align (HMO D-SNP) | SNP | HMO D-SNP | Wellcare | 4.8 | 4 | 9250 | No |
| H1045_041 | AARP Medicare Advantage from UHC FL-0011 (HMO-POS) | MA-PD | HMO-POS | UnitedHealthcare | 0 | 4.5 | 3900 | No |
| H1889_002 | UHC Dual Complete FL-D003 (PPO D-SNP) | SNP | PPO D-SNP | UnitedHealthcare | 4.8 | 4 | 9250 | No |
| H1889_026 | UHC Dual Complete FL-Y4 (PPO D-SNP) | SNP | PPO D-SNP | UnitedHealthcare | 4.8 | 4 | 9250 | No |
| H2406_008 | AARP Medicare Advantage from UHC FL-0016 (PPO) | MA-PD | PPO | UnitedHealthcare | 0 | 4 | 6700 | No |
| H2406_130 | AARP Medicare Advantage Patriot No Rx FL-MA2 (PPO) | MA | PPO | UnitedHealthcare | N/A | 4 | 8900 | No |
| H2509_002 | UHC Dual Complete FL-D006 (HMO-POS D-SNP) | SNP | HMO-POS D-SNP | UnitedHealthcare | 0 | 3.5 | 9250 | No |
| H2509_003 | UHC Dual Complete FL-Y5 (HMO-POS D-SNP) | SNP | HMO-POS D-SNP | UnitedHealthcare | 0 | 3.5 | 9250 | No |
| H5216_070 | Humana Value Choice H5216-070 (PPO) | MA-PD | PPO | Humana | 0 | 3.5 | 6750 | No |
| H5216_257 | Humana USAA Honor Giveback (PPO) | MA | PPO | Humana | N/A | 3.5 | 6000 | No |
| H5216_393 | Humana Full Access Giveback H5216-393 (PPO) | MA-PD | PPO | Humana | 0 | 3.5 | 6750 | No |
| H5216_394 | HumanaChoice Florida SNP-DE H5216-394 (PPO D-SNP) | SNP | PPO D-SNP | Humana | 4.8 | 3.5 | 4900 | No |
| H5216_467 | Humana USAA Honor Giveback (PPO) | MA | PPO | Humana | N/A | 3.5 | 6750 | No |
| H5434_045 | BlueMedicare Select (PPO) | MA-PD | PPO | Florida Blue | 58.2 | 3.5 | 6750 | No |
| H5434_046 | BlueMedicare Patriot (PPO) | MA | PPO | Florida Blue | N/A | 3.5 | 6750 | No |
| H7284_009 | HumanaChoice Florida H7284-009 (PPO) | MA-PD | PPO | Humana | 39 | 3.5 | 6750 | No |
| H7617_108 | Humana USAA Honor Giveback (PPO) | MA | PPO | Humana | N/A | 4.5 | 6750 | No |
| H7617_111 | Humana Full Access Giveback H7617-111 (PPO) | MA-PD | PPO | Humana | 0 | 4.5 | 6750 | No |
| R0759_001 | AARP Medicare Advantage from UHC FL-0031 (Regional PPO) | MA-PD | Regional PPO | UnitedHealthcare | 62 | 3.5 | 9250 | No |
| R0759_002 | AARP Medicare Advantage Patriot No Rx FL-MA01 (Regional PPO) | MA | Regional PPO | UnitedHealthcare | N/A | 3.5 | 9250 | No |
| R0759_003 | UHC Dual Complete FL-D005 (Regional PPO D-SNP) | SNP | Regional PPO D-SNP | UnitedHealthcare | 4.8 | 3.5 | 9250 | No |
| R5826_005 | HumanaChoice R5826-005 (Regional PPO) | MA-PD | Regional PPO | Humana | 184 | 3.5 | 6700 | No |
| R5826_018 | HumanaChoice R5826-018 (Regional PPO) | MA | Regional PPO | Humana | N/A | 3.5 | 7550 | No |
| R5826_074 | HumanaChoice R5826-074 (Regional PPO) | MA-PD | Regional PPO | Humana | 41 | 3.5 | 7550 | No |