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

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

CMS CY2026 Medicare Advantage and Part D plans available in Lake, 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

### 106 Medicare plans are available in Lake, Florida for contract year 2026

**DERIVED.** The CMS CY2026 Medicare Landscape Files record 106 Medicare Advantage and Part D plans available in Lake, 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 Lake, 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 Lake, Florida. Across the 106 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 Lake, Florida. Falsified if the CMS-published per-plan premium figures differ.

### CMS assigned star ratings to 104 of 106 Medicare plans in Lake, Florida (CY2026); average overall: 4.2 stars

**PROJECTED.** CMS issued Overall star ratings (1–5 stars) to 104 of 106 Medicare plans in Lake, Florida for CY2026. The unweighted average overall star rating across rated plans is 4.2; 8 plans received 5 stars. 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 2 unrated plans in this county are not rated, not unqualified.

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

**INTERPRETATION.** This page lists Medicare Advantage (MA) and Part D Prescription Drug Plan (PDP) plans available in Lake, 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/lake
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/lake.jsonld`

## Data

### Medicare plans in Lake, 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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| H0710_010 | UHC Nursing Home Plan FL-F001 (PPO I-SNP) | SNP | PPO I-SNP | UnitedHealthcare | 4.8 | 4.5 | 9250 | No |
| H1019_057 | CareOne Plus (HMO-POS) | MA-PD | HMO-POS | CarePlus Health Plans, Inc. | 0 | 4.5 | 2500 | No |
| H1019_073 | CareNeeds Plus (HMO D-SNP) | SNP | HMO D-SNP | CarePlus Health Plans, Inc. | 0 | 4.5 | 3400 | No |
| H1019_132 | CareSalute (HMO) | MA | HMO | CarePlus Health Plans, Inc. | N/A | 4.5 | 3900 | No |
| H1019_138 | CareFree Platinum Giveback (HMO) | MA-PD | HMO | CarePlus Health Plans, Inc. | 0 | 4.5 | 3300 | No |
| H1019_144 | CareAccess (HMO) | MA-PD | HMO | CarePlus Health Plans, Inc. | 0 | 4.5 | 3750 | No |
| H1019_146 | CareNeeds Platinum (HMO D-SNP) | SNP | HMO D-SNP | CarePlus Health Plans, Inc. | 0 | 4.5 | 3400 | No |
| H1019_147 | CareComplete Platinum (HMO C-SNP) | SNP | HMO C-SNP | CarePlus Health Plans, Inc. | 0 | 4.5 | 2400 | No |
| H1019_149 | CareFree Giveback (HMO) | MA-PD | HMO | CarePlus Health Plans, Inc. | 0 | 4.5 | 3850 | No |
| H1019_150 | CareComplete (HMO C-SNP) | SNP | HMO C-SNP | CarePlus Health Plans, Inc. | 0 | 4.5 | 2000 | No |
| H1019_151 | CareBreeze Platinum (HMO C-SNP) | SNP | HMO C-SNP | CarePlus Health Plans, Inc. | 0 | 4.5 | 2000 | No |
| H1019_153 | CareNeeds Extra (HMO D-SNP) | SNP | HMO D-SNP | CarePlus Health Plans, Inc. | 0 | 4.5 | 9250 | No |
| H1019_154 | CareBreeze (HMO C-SNP) | SNP | HMO C-SNP | CarePlus Health Plans, Inc. | 0 | 4.5 | 2000 | No |
| H1032_193 | Wellcare Giveback (HMO) | MA-PD | HMO | Wellcare | 0 | 4 | 7200 | No |
| H1032_194 | Wellcare Simple (HMO) | MA-PD | HMO | Wellcare | 0 | 4 | 3500 | No |
| H1032_202 | Wellcare Dual Reserve (HMO D-SNP) | SNP | HMO D-SNP | Wellcare | 4.8 | 4 | 3000 | No |
| H1032_239 | Wellcare Patriot Giveback (HMO) | MA | HMO | Wellcare | N/A | 4 | 5000 | No |
| H1032_244 | Wellcare Dual Access Sync (HMO D-SNP) | SNP | HMO D-SNP | Wellcare | 4.8 | 4 | 9250 | No |
| H1032_245 | Wellcare Sunshine Health Dual Align (HMO D-SNP) | SNP | HMO D-SNP | Wellcare | 4.8 | 4 | 9250 | No |
| H1035_019 | BlueMedicare Classic (HMO) | MA-PD | HMO | Florida Blue HMO | 0 | 4 | 6750 | No |
| H1035_043 | BlueMedicare Premier (HMO) | MA-PD | HMO | Florida Blue HMO | 0 | 4 | 2700 | No |
| H1036_146 | Humana Gold Plus H1036-146 (HMO) | MA-PD | HMO | Humana | 0 | 4.5 | 2400 | No |
| H1036_213 | Humana Gold Plus SNP-DE H1036-213 (HMO D-SNP) | SNP | HMO D-SNP | Humana | 0 | 4.5 | 3400 | No |
| H1036_269 | Humana Gold Plus Giveback H1036-269 (HMO) | MA-PD | HMO | Humana | 0 | 4.5 | 3200 | No |
| H1036_280 | Humana Fully Integrated H1036-280 (HMO D-SNP) | SNP | HMO D-SNP | Humana | 0 | 4.5 | 3400 | No |
| H1036_290 | Humana USAA Honor Giveback (HMO) | MA | HMO | Humana | N/A | 4.5 | 6700 | No |
| H1036_300 | Humana Gold Plus - Diabetes and Heart (HMO C-SNP) | SNP | HMO C-SNP | Humana | 0 | 4.5 | 3100 | No |
| H1036_313 | Humana Gold Plus Lung (HMO C-SNP) | SNP | HMO C-SNP | Humana | 0 | 4.5 | 3100 | No |
| H1036_314 | Humana Gold Plus SNP-DE H1036-314 (HMO D-SNP) | SNP | HMO D-SNP | Humana | 0 | 4.5 | 3400 | No |
| H1036_332 | Humana Community (HMO) | MA-PD | HMO | Humana | 0 | 4.5 | 2400 | No |
| H1036_340 | Humana Dual Integrated (HMO D-SNP) | SNP | HMO D-SNP | Humana | 0 | 4.5 | 9250 | No |
| H1045_025 | UHC The Villages Medicare Advantage FL-0004 (HMO-POS) | MA-PD | HMO-POS | UnitedHealthcare | 0 | 4.5 | 2700 | No |
| H1045_039 | UHC Dual Complete FL-D002 (HMO-POS D-SNP) | SNP | HMO-POS D-SNP | UnitedHealthcare | 0 | 4.5 | 9250 | No |
| H1045_048 | UHC Complete Care FL-14 (HMO-POS C-SNP) | SNP | HMO-POS C-SNP | UnitedHealthcare | 0 | 4.5 | 2600 | No |
| H1045_056 | UHC The Villages Medicare Advantage FL-004P (HMO-POS) | MA-PD | HMO-POS | UnitedHealthcare | 0 | 4.5 | 2400 | No |
| H1099_023 | Health First Complete Care H1099-023 (HMO) | MA-PD | HMO | Health First Health Plans, Inc. | 0 | 4 | 2400 | No |
| H1099_024 | Health First Emerald Plus H1099-024 (HMO) | MA-PD | HMO | Health First Health Plans, Inc. | 0 | 4 | 3200 | No |
| H1099_025 | Health First Premier Access H1099-025 (HMO-POS) | MA-PD | HMO-POS | Health First Health Plans, Inc. | 0 | 4 | 4500 | No |
| H1290_027 | DEVOTED CORE 027 FL (HMO) | MA-PD | HMO | Devoted Health | 0 | 5 | 3900 | No |
| H1290_033 | DEVOTED DUAL 033 FL (HMO D-SNP) | SNP | HMO D-SNP | Devoted Health | 0 | 5 | 3900 | No |
| H1290_035 | DEVOTED GIVEBACK 035 FL (HMO) | MA-PD | HMO | Devoted Health | 0 | 5 | 6750 | No |
| H1290_044 | DEVOTED PREMIUM 044 FL (HMO) | MA-PD | HMO | Devoted Health | 4.8 | 5 | 3900 | No |
| H1290_052 | DEVOTED DUAL PLUS 052 FL (HMO D-SNP) | SNP | HMO D-SNP | Devoted Health | 0 | 5 | 9250 | No |
| H1290_060 | DEVOTED CORE 060 FL (HMO) | MA-PD | HMO | Devoted Health | 0 | 5 | 3900 | No |
| H1290_070 | DEVOTED C-SNP PREMIUM 070 FL (HMO C-SNP) | SNP | HMO C-SNP | Devoted Health | 4.8 | 5 | 3900 | No |
| H1290_091 | DEVOTED C-SNP PLUS 091 FL (HMO C-SNP) | SNP | HMO C-SNP | Devoted Health | 4.8 | 5 | 9250 | No |
| H1609_046 | Aetna Medicare Dual Select (HMO D-SNP) | SNP | HMO D-SNP | Aetna Medicare | 4.8 | 4.5 | 9250 | No |
| H1609_085 | Aetna Medicare Chronic Care (HMO C-SNP) | SNP | HMO C-SNP | Aetna Medicare | 0 | 4.5 | 5500 | No |
| H1609_086 | Aetna Medicare Select (HMO) | MA-PD | HMO | Aetna Medicare | 0 | 4.5 | 4150 | No |
| H1609_089 | Aetna Medicare Full Dual Select (HMO D-SNP) | SNP | HMO D-SNP | Aetna Medicare | 2.6 | 4.5 | 9250 | No |
| H1644_001 | Longevity Health Plan (HMO I-SNP) | SNP | HMO I-SNP | Longevity Health Plan | 4.8 | Not rated | 9250 | 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_016 | AARP Medicare Advantage from UHC FL-0024 (PPO) | MA-PD | PPO | UnitedHealthcare | 0 | 4 | 5900 | No |
| H2406_130 | AARP Medicare Advantage Patriot No Rx FL-MA2 (PPO) | MA | PPO | UnitedHealthcare | N/A | 4 | 8900 | No |
| H2509_001 | UHC Dual Complete FL-Y001 (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 |
| H2962_023 | Advantage Care COPD by Ultimate (HMO C-SNP) | SNP | HMO C-SNP | Ultimate Health Plans | 0 | 4 | 2600 | No |
| H2962_028 | Premier by Ultimate (HMO) | MA-PD | HMO | Ultimate Health Plans | 0 | 4 | 2500 | No |
| H2962_029 | Advantage Care by Ultimate (HMO C-SNP) | SNP | HMO C-SNP | Ultimate Health Plans | 0 | 4 | 2400 | No |
| H2962_035 | Advantage Plus by Ultimate (Full) (HMO D-SNP) | SNP | HMO D-SNP | Ultimate Health Plans | 4.8 | 4 | 500 | No |
| H2962_036 | Advantage Plus by Ultimate (Partial) (HMO D-SNP) | SNP | HMO D-SNP | Ultimate Health Plans | 0 | 4 | 500 | No |
| H5216_074 | HumanaChoice Florida H5216-074 (PPO) | MA-PD | PPO | Humana | 0 | 3.5 | 4900 | No |
| H5216_257 | Humana USAA Honor Giveback (PPO) | MA | PPO | Humana | N/A | 3.5 | 6000 | No |
| H5216_304 | HumanaChoice Florida H5216-304 (PPO) | MA-PD | PPO | Humana | 0 | 3.5 | 4700 | 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_452 | Humana Direct Choice Giveback (PPO) | MA-PD | PPO | Humana | 0 | 3.5 | 6750 | No |
| H5216_467 | Humana USAA Honor Giveback (PPO) | MA | PPO | Humana | N/A | 3.5 | 6750 | No |
| H5410_024 | HealthSpring Preferred (HMO) | MA-PD | HMO | HealthSpring | 0 | 3.5 | 2000 | No |
| H5410_025 | HealthSpring TotalCare Plus (HMO D-SNP) | SNP | HMO D-SNP | HealthSpring | 4.8 | 3.5 | 1500 | No |
| H5410_026 | HealthSpring Preferred Savings (HMO) | MA-PD | HMO | HealthSpring | 0 | 3.5 | 4800 | No |
| H5410_046 | HealthSpring TotalCare (HMO D-SNP) | SNP | HMO D-SNP | HealthSpring | 4.8 | 3.5 | 2950 | No |
| H5427_052 | Freedom Savings Plan (HMO) | MA | HMO | Freedom Health, Inc. | N/A | 4.5 | 4200 | No |
| H5427_070 | Freedom VIP Care (HMO C-SNP) | SNP | HMO C-SNP | Freedom Health, Inc. | 0 | 4.5 | 1000 | No |
| H5427_072 | Freedom VIP Savings (HMO C-SNP) | SNP | HMO C-SNP | Freedom Health, Inc. | 0 | 4.5 | 3400 | No |
| H5427_077 | Freedom VIP Savings COPD (HMO C-SNP) | SNP | HMO C-SNP | Freedom Health, Inc. | 0 | 4.5 | 3400 | No |
| H5427_078 | Freedom Medi-Medi Partial (HMO D-SNP) | SNP | HMO D-SNP | Freedom Health, Inc. | 0 | 4.5 | 500 | No |
| H5427_087 | Freedom Medi-Medi Full (HMO D-SNP) | SNP | HMO D-SNP | Freedom Health, Inc. | 0 | 4.5 | 500 | No |
| H5427_094 | Freedom Platinum Plan Rx (HMO) | MA-PD | HMO | Freedom Health, Inc. | 0 | 4.5 | 2000 | No |
| H5427_096 | Freedom Platinum Rewards Plan Rx (HMO) | MA-PD | HMO | Freedom Health, Inc. | 0 | 4.5 | 3400 | No |
| H5434_036 | BlueMedicare Value (PPO) | MA-PD | PPO | Florida Blue | 0 | 3.5 | 5900 | No |
| H5434_038 | BlueMedicare Patriot (PPO) | MA | PPO | Florida Blue | N/A | 3.5 | 6750 | No |
| H5471_138 | Simply Complete Platinum (HMO D-SNP) | SNP | HMO D-SNP | Simply Healthcare Plans, Inc. | 0 | 4.5 | 500 | No |
| H5471_139 | Simply Integrated Platinum (HMO D-SNP) | SNP | HMO D-SNP | Simply Healthcare Plans, Inc. | 0 | 4.5 | 500 | No |
| H5521_033 | Aetna Medicare Signature (PPO) | MA-PD | PPO | Aetna Medicare | 0 | 4.5 | 6750 | No |
| H5521_271 | Aetna Medicare Signature (PPO) | MA-PD | PPO | Aetna Medicare | 0 | 4.5 | 5900 | No |
| H5521_306 | Aetna Medicare Eagle Giveback (PPO) | MA | PPO | Aetna Medicare | N/A | 4.5 | 6750 | No |
| H5521_439 | Aetna Medicare Signature (PPO) | MA-PD | PPO | Aetna Medicare | 0 | 4.5 | 5900 | No |
| H5594_016 | Optimum Emerald Partial (HMO D-SNP) | SNP | HMO D-SNP | Optimum HealthCare, Inc. | 0 | 4.5 | 500 | No |
| H5594_017 | Optimum Emerald Full (HMO D-SNP) | SNP | HMO D-SNP | Optimum HealthCare, Inc. | 0 | 4.5 | 500 | No |
| H5594_026 | Optimum Gold Rewards Plan (HMO) | MA-PD | HMO | Optimum HealthCare, Inc. | 0 | 4.5 | 4200 | No |
| H5594_030 | Optimum Diamond Savings (HMO C-SNP) | SNP | HMO C-SNP | Optimum HealthCare, Inc. | 0 | 4.5 | 5000 | No |
| H5594_031 | Optimum Diamond Savings COPD (HMO C-SNP) | SNP | HMO C-SNP | Optimum HealthCare, Inc. | 0 | 4.5 | 5000 | No |
| H6652_001 | American Health Advantage of Florida (HMO I-SNP) | SNP | HMO I-SNP | American Health Advantage of Florida | 4.8 | Not rated | 9250 | No |
| H7284_001 | HumanaChoice Florida H7284-001 (PPO) | MA-PD | PPO | Humana | 79 | 3.5 | 2500 | No |
| H7617_108 | Humana USAA Honor Giveback (PPO) | MA | PPO | Humana | N/A | 4.5 | 6750 | No |
| H7617_109 | HumanaChoice Florida H7617-109 (PPO) | MA-PD | PPO | Humana | 0 | 4.5 | 4700 | No |
| H7617_111 | Humana Full Access Giveback H7617-111 (PPO) | MA-PD | PPO | Humana | 0 | 4.5 | 6750 | No |
| H7617_112 | Humana Direct Choice Giveback (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 |