Highlands County, Florida: health insurance
What Highlands County residents should know about Medicare, marketplace plans and Medicaid.
Highlands County at a glance
| State | Florida |
|---|---|
| Population (2023 est.) | 107,614 |
| Population rank in Florida | 36 of 67 |
| Land area | 1,018 square miles |
Source: U.S. Census Bureau (Population Estimates 2023; Gazetteer 2023).
Medicare plans leaving Highlands County for 2027
18 Medicare plans from 6 companies are listed in Highlands County for 2026 but not for 2027, covering at least 4,353 people enrolled in the plans below today.
| Plan going away | Company | People enrolled (at least) |
|---|---|---|
| Humana Full Access Giveback H5216-393 (PPO) H5216-393 | Humana | 1,910 |
| Humana Full Access Giveback H7617-111 (PPO) H7617-111 | Humana | 764 |
| HumanaChoice Florida H5216-304 (PPO) H5216-304 | Humana | 586 |
| Health First SunSaver H1099-016 (HMO) H1099-016 | Health First Shared Services | 444 |
| HumanaChoice Florida H7617-109 (PPO) H7617-109 | Humana | 258 |
| Humana Direct Choice Giveback (PPO) H7617-112 | Humana | 115 |
| Humana Direct Choice Giveback (PPO) H5216-452 | Humana | 104 |
| AARP Medicare Advantage CareFlex from UHC FL-33 (HMO-POS) H1045-058 | UnitedHealthcare | 72 |
| Aetna Medicare Signature (PPO) H5521-033 | Aetna (CVS Health) | 29 |
| Wellcare Sunshine Health Dual Align (HMO D-SNP) H1032-243 | Wellcare / Ambetter (Centene) | 22 |
| Wellcare Dual Access Sync (HMO D-SNP) H1032-241 | Wellcare / Ambetter (Centene) | 19 |
| Health First Emerald Plus H1099-028 (HMO) H1099-028 | Health First Shared Services | 17 |
Show 6 more plans
| Plan going away | Company | People enrolled (at least) |
|---|---|---|
| Wellcare Dual Reserve (HMO D-SNP) H1032-202 | Wellcare / Ambetter (Centene) | 13 |
| Health First Premier Access H1099-027 (HMO-POS) H1099-027 | Health First Shared Services | 10 or fewer |
| Humana USAA Honor Giveback (PPO) H5216-467 | Humana | 10 or fewer |
| Simply Complete Platinum (HMO D-SNP) H5471-142 | Anthem (Elevance Health) | 10 or fewer |
| Simply Integrated Platinum (HMO D-SNP) H5471-143 | Anthem (Elevance Health) | 10 or fewer |
| Wellcare Patriot Giveback (HMO) H1032-239 | Wellcare / Ambetter (Centene) | 10 or fewer |
A plan can be listed because it was renumbered or replaced, not only because a company is leaving the county. When the same company keeps other plans there, members are usually moved to a replacement plan. Your plan should send you a notice, and Medicare’s Annual Enrollment Period (October 15 to December 7) is when you can compare and switch. “People enrolled” is the number enrolled in that plan today (CMS hides counts of 10 or fewer). Source: CMS Medicare Advantage and Part D landscape files for 2026 and 2027, and CMS enrollment data from September 2026.
Is your plan on this list? Call 855-367-1095 and we will look at what is available where you live, with no obligation to enroll.
Why your county matters for coverage
In Florida, the health plans you can choose depend on where you live. Medicare Advantage and Part D plans are offered by service area, usually county by county, and marketplace premiums and carriers are set by area as well. Living in Highlands County means the options on this page apply to you, and plans in a neighboring county may differ.
- Medicare: Florida SHINE (Serving Health Insurance Needs of Elders) gives free, unbiased counseling at 1-800-963-5337. Ask which plans serve Highlands County specifically.
- Marketplace plans: shop through HealthCare.gov (federal Marketplace); enter your Highlands County ZIP code to see what is offered.
- Medicaid: apply through Agency for Health Care Administration (AHCA).
Florida note: Florida's insurance oversight is split between two state agencies: the Office of Insurance Regulation reviews rates and company solvency, while the Department of Financial Services' Division of Consumer Services handles individual consumer complaints and questions.
Questions about Highlands County
Are the same Medicare plans offered everywhere in Florida?
No. Plans are offered by service area. A plan available in one county may not be offered in Highlands County, so check by county.
Where do Highlands County residents get free Medicare counseling?
Florida SHINE (Serving Health Insurance Needs of Elders) (1-800-963-5337) is Florida's free SHIP program.
Do I have to enroll if I call?
No. Calling is a conversation about your options, and you are never required to enroll.
Highlands County residents: call 855-367-1095
Call Lander LLC to go over your options. There is no cost to call or to speak with an agent, and you are never required to enroll in anything.
Call 855-367-1095Other large counties
Reviewed by Richard Lander, licensed insurance agent (NPN 21255551), Lander LLC. Last updated October 3, 2026. This page is educational and is not a quote, an offer of coverage, or legal or tax advice.