Indian River County, Florida: health insurance
What Indian River County residents should know about Medicare, marketplace plans and Medicaid.
Indian River County at a glance
| State | Florida |
|---|---|
| Population (2023 est.) | 169,795 |
| Population rank in Florida | 31 of 67 |
| Land area | 503 square miles |
Source: U.S. Census Bureau (Population Estimates 2023; Gazetteer 2023).
Medicare plans leaving Indian River County for 2027
17 Medicare plans from 5 companies are listed in Indian River County for 2026 but not for 2027, covering at least 669 people enrolled in the plans below today.
| Plan going away | Company | People enrolled (at least) |
|---|---|---|
| UHC Dual Complete FL-Y5 (HMO-POS D-SNP) H2509-003 | UnitedHealthcare | 409 |
| Wellcare Sunshine Health Dual Align (HMO D-SNP) H1032-245 | Wellcare / Ambetter (Centene) | 55 |
| Wellcare Dual Access Sync (HMO D-SNP) H1032-244 | Wellcare / Ambetter (Centene) | 52 |
| HumanaChoice Florida SNP-DE H7617-113 (PPO D-SNP) H7617-113 | Humana | 38 |
| Freedom Medi-Medi Full (HMO D-SNP) H5427-087 | Anthem (Elevance Health) | 37 |
| HealthSpring Preferred (HMO) H5410-060 | Cigna HealthSpring (HCSC) | 32 |
| AARP Medicare Advantage CareFlex from UHC FL-35 (HMO-POS) H1045-060 | UnitedHealthcare | 27 |
| CareNeeds Extra (HMO D-SNP) H1019-153 | Humana | 19 |
| HealthSpring TotalCare (HMO D-SNP) H5410-055 | Cigna HealthSpring (HCSC) | 10 or fewer |
| HealthSpring TotalCare Plus (HMO D-SNP) H5410-047 | Cigna HealthSpring (HCSC) | 10 or fewer |
| Humana USAA Honor Giveback (PPO) H5216-467 | Humana | 10 or fewer |
| Optimum Diamond Rewards (HMO C-SNP) H5594-034 | Anthem (Elevance Health) | 10 or fewer |
Show 5 more plans
| Plan going away | Company | People enrolled (at least) |
|---|---|---|
| Optimum Diamond Rewards COPD (HMO C-SNP) H5594-035 | Anthem (Elevance Health) | 10 or fewer |
| Optimum Emerald Full (HMO D-SNP) H5594-017 | Anthem (Elevance Health) | 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 Indian River 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 Indian River County specifically.
- Marketplace plans: shop through HealthCare.gov (federal Marketplace); enter your Indian River 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 Indian River 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 Indian River County, so check by county.
Where do Indian River 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.
Indian River 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.