Top-Rated Medicare Advantage Plans in Zephyrhills (Pasco County) for 2027
Longevity Health Plan, UnitedHealthcare and Humana have 2027 plans in Pasco County rated 4.5 stars or higher by Medicare in the 2027 CMS Star Ratings.
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2027 CMS Star Ratings
Top-rated Medicare Advantage plans in Pasco County (2027 CMS Star Ratings)
Of the 120 Medicare Advantage plans offered in Pasco County for 2027, 2 are rated 5 stars, 35 are rated 4.5 stars and 46 are rated 4 stars in the 2027 CMS Star Ratings. 7 plans have no 2027 star score: CMS lists 7 “Not enough data available”.
Pasco County includes Zephyrhills. Plans are approved for the whole county, so the same plans are offered in all of it.
| Plan | Insurer | Plan type | 2027 overall rating |
|---|---|---|---|
| Longevity Health Plan (HMO I-SNP) | Longevity Health Plan | HMO I-SNP | 5 out of 5 |
| UHC Nursing Home Plan FL-F001 (PPO I-SNP) | UnitedHealthcare | PPO I-SNP | 5 out of 5 |
| Aetna Medicare Eagle Giveback (PPO) | Aetna (CVS Health) | PPO | 4.5 out of 5 (health plan rating) |
| DEVOTED C-SNP PLUS 089 FL (HMO C-SNP) | Devoted Health | HMO C-SNP | 4.5 out of 5 |
| DEVOTED CORE 036 FL (HMO) | Devoted Health | HMO | 4.5 out of 5 |
| DEVOTED CORE 037 FL (HMO) | Devoted Health | HMO | 4.5 out of 5 |
| DEVOTED CORE 058 FL (HMO) | Devoted Health | HMO | 4.5 out of 5 |
| DEVOTED DUAL 024 FL (HMO D-SNP) | Devoted Health | HMO D-SNP | 4.5 out of 5 |
| DEVOTED DUAL FULL 082 FL (HMO D-SNP) | Devoted Health | HMO D-SNP | 4.5 out of 5 |
| DEVOTED DUAL QMB 052 FL (HMO D-SNP) | Devoted Health | HMO D-SNP | 4.5 out of 5 |
| DEVOTED GIVEBACK 051 FL (HMO) | Devoted Health | HMO | 4.5 out of 5 |
| DEVOTED GIVEBACK EXTRAS 106 FL (HMO) | Devoted Health | HMO | 4.5 out of 5 |
| DrExtraCare-CFL (HMO C-SNP) | Doctors HealthCare Plans, Inc. | HMO C-SNP | 4.5 out of 5 |
| DrFullDual-CFL (HMO D-SNP) | Doctors HealthCare Plans, Inc. | HMO D-SNP | 4.5 out of 5 |
| DrPartialDual-CFL (HMO D-SNP) | Doctors HealthCare Plans, Inc. | HMO D-SNP | 4.5 out of 5 |
| DrSelect-CFL (HMO) | Doctors HealthCare Plans, Inc. | HMO | 4.5 out of 5 |
| Humana Dual Integrated (HMO D-SNP) | Humana | HMO D-SNP | 4.5 out of 5 |
| Humana Dual Select H1036-102 (HMO D-SNP) | Humana | HMO D-SNP | 4.5 out of 5 |
| Humana Dual Select H1036-314 (HMO D-SNP) | Humana | HMO D-SNP | 4.5 out of 5 |
| Humana Essentials Plus Giveback (PPO) | Humana | PPO | 4.5 out of 5 |
| Humana Fully Integrated H1036-280 (HMO D-SNP) | Humana | HMO D-SNP | 4.5 out of 5 |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) | Humana | HMO C-SNP | 4.5 out of 5 |
| Humana Gold Plus Giveback H1036-265 (HMO) | Humana | HMO | 4.5 out of 5 |
| Humana Gold Plus H1036-025 (HMO) | Humana | HMO | 4.5 out of 5 |
| Humana Gold Plus Lung (HMO C-SNP) | Humana | HMO C-SNP | 4.5 out of 5 |
| Humana USAA Honor Giveback (HMO) | Humana | HMO | 4.5 out of 5 (health plan rating) |
| Humana USAA Honor Giveback (PPO) | Humana | PPO | 4.5 out of 5 (health plan rating) |
| Optimum Diamond (HMO C-SNP) | Elevance Health (Anthem) | HMO C-SNP | 4.5 out of 5 |
| Optimum Diamond Rewards (HMO C-SNP) | Elevance Health (Anthem) | HMO C-SNP | 4.5 out of 5 |
| Optimum Diamond Rewards COPD (HMO C-SNP) | Elevance Health (Anthem) | HMO C-SNP | 4.5 out of 5 |
| Optimum Emerald Partial (HMO D-SNP) | Elevance Health (Anthem) | HMO D-SNP | 4.5 out of 5 |
| Optimum Gold Rewards Plan (HMO) | Elevance Health (Anthem) | HMO | 4.5 out of 5 |
| Optimum Platinum Plan (HMO) | Elevance Health (Anthem) | HMO | 4.5 out of 5 |
| Solis Guardian Plan (HMO D-SNP) | Solis Health Plans | HMO D-SNP | 4.5 out of 5 |
| Solis Healthy Living Plan (HMO) | Solis Health Plans | HMO | 4.5 out of 5 |
| Solis Wellness Giveback Plan (HMO C-SNP) | Solis Health Plans | HMO C-SNP | 4.5 out of 5 |
| Solis Wellness Plan (HMO C-SNP) | Solis Health Plans | HMO C-SNP | 4.5 out of 5 |
| AARP Medicare Advantage CareFlex from UHC FL-34 (HMO-POS) | UnitedHealthcare | HMO-POS | 4 out of 5 |
| AARP Medicare Advantage from UHC FL-0006 (HMO-POS) | UnitedHealthcare | HMO-POS | 4 out of 5 |
| AARP Medicare Advantage from UHC FL-0019 (PPO) | UnitedHealthcare | PPO | 4 out of 5 |
| AARP Medicare Advantage from UHC FL-003P (HMO-POS) | UnitedHealthcare | HMO-POS | 4 out of 5 |
| AARP Medicare Advantage Giveback from UHC FL-40 (HMO-POS) | UnitedHealthcare | HMO-POS | 4 out of 5 |
| Aetna Medicare Chronic Care (HMO C-SNP) | Aetna (CVS Health) | HMO C-SNP | 4 out of 5 |
| Aetna Medicare Full Dual Select (HMO D-SNP) | Aetna (CVS Health) | HMO D-SNP | 4 out of 5 |
| Aetna Medicare Partial Dual Select (HMO D-SNP) | Aetna (CVS Health) | HMO D-SNP | 4 out of 5 |
| Aetna Medicare QMB Only Select (HMO D-SNP) | Aetna (CVS Health) | HMO D-SNP | 4 out of 5 |
| Aetna Medicare Select (HMO) | Aetna (CVS Health) | HMO | 4 out of 5 |
| Aetna Medicare Signature (PPO) | Aetna (CVS Health) | PPO | 4 out of 5 |
| Aetna Medicare Signature Legacy (PPO) | Aetna (CVS Health) | PPO | 4 out of 5 |
| BayCarePlus Complete (HMO) | BayCare Health Plans | HMO | 4 out of 5 |
| BayCarePlus Rewards (HMO) | BayCare Health Plans | HMO | 4 out of 5 |
| CareAccess (HMO) | Humana | HMO | 4 out of 5 |
| CareBreeze (HMO C-SNP) | Humana | HMO C-SNP | 4 out of 5 |
| CareBreeze Platinum (HMO C-SNP) | Humana | HMO C-SNP | 4 out of 5 |
| CareComplete (HMO C-SNP) | Humana | HMO C-SNP | 4 out of 5 |
| CareComplete Platinum (HMO C-SNP) | Humana | HMO C-SNP | 4 out of 5 |
| CareFree Platinum Giveback (HMO) | Humana | HMO | 4 out of 5 |
| CareNeeds Platinum (HMO D-SNP) | Humana | HMO D-SNP | 4 out of 5 |
| CareNeeds Plus (HMO D-SNP) | Humana | HMO D-SNP | 4 out of 5 |
| CareOne Plus (HMO-POS) | Humana | HMO-POS | 4 out of 5 |
| DEVOTED CHOICE GIVEBACK 008 FL (PPO) | Devoted Health | PPO | 4 out of 5 |
| Freedom Medi-Medi Partial (HMO D-SNP) | Elevance Health (Anthem) | HMO D-SNP | 4 out of 5 |
| Freedom Medicare Plan Rx (HMO) | Elevance Health (Anthem) | HMO | 4 out of 5 |
| Freedom Savings Plan (HMO) | Elevance Health (Anthem) | HMO | 4 out of 5 (health plan rating) |
| Freedom VIP Care (HMO C-SNP) | Elevance Health (Anthem) | HMO C-SNP | 4 out of 5 |
| Freedom VIP Savings (HMO C-SNP) | Elevance Health (Anthem) | HMO C-SNP | 4 out of 5 |
| Freedom VIP Savings COPD (HMO C-SNP) | Elevance Health (Anthem) | HMO C-SNP | 4 out of 5 |
| Humana Dual Integrated (PPO D-SNP) | Humana | PPO D-SNP | 4 out of 5 |
| Humana Dual Select H5216-394 (PPO D-SNP) | Humana | PPO D-SNP | 4 out of 5 |
| Humana USAA Honor Giveback (PPO) | Humana | PPO | 4 out of 5 (health plan rating) |
| Humana Value Choice (PPO) | Humana | PPO | 4 out of 5 |
| HumanaChoice R5826-005 (Regional PPO) | Humana | PPO | 4 out of 5 |
| HumanaChoice R5826-074 (Regional PPO) | Humana | PPO | 4 out of 5 |
| Simply Complete Platinum (HMO D-SNP) | Elevance Health (Anthem) | HMO D-SNP | 4 out of 5 |
| Simply Integrated Platinum (HMO D-SNP) | Elevance Health (Anthem) | HMO D-SNP | 4 out of 5 |
| UHC Complete Care FL-14 (HMO-POS C-SNP) | UnitedHealthcare | HMO-POS C-SNP | 4 out of 5 |
| UHC Dual Complete FL-QV2 (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP | 4 out of 5 |
| UHC Dual Complete FL-Y5 (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP | 4 out of 5 |
| Wellcare Giveback (HMO-POS) | Centene (WellCare) | HMO-POS | 4 out of 5 |
| Wellcare Simple (HMO-POS) | Centene (WellCare) | HMO-POS | 4 out of 5 |
| Wellcare Sunshine Health Dual Access (HMO-POS D-SNP) | Centene (WellCare) | HMO-POS D-SNP | 4 out of 5 |
| Wellcare Sunshine Health Dual Align (HMO D-SNP) | Centene (WellCare) | HMO D-SNP | 4 out of 5 |
| Wellcare Sunshine Health Dual Reserve (HMO-POS D-SNP) | Centene (WellCare) | HMO-POS D-SNP | 4 out of 5 |
| AARP Medicare Advantage from UHC FL-0031 (Regional PPO) | UnitedHealthcare | PPO | 3.5 out of 5 |
| AARP Medicare Advantage Patriot No Rx FL-MA01 (Regional PPO) | UnitedHealthcare | PPO | 3.5 out of 5 (health plan rating) |
| AARP Medicare Advantage Patriot No Rx FL-MA2 (PPO) | UnitedHealthcare | PPO | 3.5 out of 5 (health plan rating) |
| Advantage Care by Ultimate (HMO C-SNP) | Ultimate Health Plans | HMO C-SNP | 3.5 out of 5 |
| Advantage Care COPD by Ultimate (HMO C-SNP) | Ultimate Health Plans | HMO C-SNP | 3.5 out of 5 |
| Advantage Plus by Ultimate (Full) (HMO D-SNP) | Ultimate Health Plans | HMO D-SNP | 3.5 out of 5 |
| Advantage Plus by Ultimate (Partial) (HMO D-SNP) | Ultimate Health Plans | HMO D-SNP | 3.5 out of 5 |
| BlueMedicare Classic (HMO) | Florida Blue HMO | HMO | 3.5 out of 5 |
| BlueMedicare Premier Plus (HMO) | Florida Blue HMO | HMO | 3.5 out of 5 |
| HumanaChoice R5826-018 (Regional PPO) | Humana | PPO | 3.5 out of 5 (health plan rating) |
| Premier by Ultimate (HMO) | Ultimate Health Plans | HMO | 3.5 out of 5 |
| UHC Dual Complete FL-Q1 (PPO D-SNP) | UnitedHealthcare | PPO D-SNP | 3.5 out of 5 |
| UHC Dual Complete FL-Q3 (Regional PPO D-SNP) | UnitedHealthcare | PPO D-SNP | 3.5 out of 5 |
| UHC Dual Complete FL-Y7 (PPO D-SNP) | UnitedHealthcare | PPO D-SNP | 3.5 out of 5 |
| BlueMedicare Patriot (PPO) | Florida Blue | PPO | 3 out of 5 (health plan rating) |
| BlueMedicare Patriot Plus (PPO) | Florida Blue | PPO | 3 out of 5 (health plan rating) |
| BlueMedicare Select (PPO) | Florida Blue | PPO | 3 out of 5 |
| CareSalute (HMO) | Humana | HMO | 3 out of 5 (health plan rating) |
| Florida Complete Care (HMO I-SNP) | Florida Complete Care | HMO I-SNP | 3 out of 5 |
| Florida Complete Care- In The Community (HMO-POS I-SNP) | Florida Complete Care | HMO-POS I-SNP | 3 out of 5 |
| Florida Complete Care-Duals VIP (HMO-POS D-SNP) | Florida Complete Care | HMO-POS D-SNP | 3 out of 5 |
| HealthSpring Preferred (HMO) | Blue Cross Blue Shield (HCSC) | HMO | 3 out of 5 |
| HealthSpring TotalCare (HMO D-SNP) | Blue Cross Blue Shield (HCSC) | HMO D-SNP | 3 out of 5 |
| HealthSpring TotalCare Plus (HMO D-SNP) | Blue Cross Blue Shield (HCSC) | HMO D-SNP | 3 out of 5 |
| Gold Dialysis & Kidney (HMO-POS C-SNP) | Gold Kidney Health Plan | HMO-POS C-SNP | 2.5 out of 5 |
| Gold Dialysis & Kidney Complete (HMO-POS C-SNP) | Gold Kidney Health Plan | HMO-POS C-SNP | 2.5 out of 5 |
| Gold Dialysis Premier (HMO-POS C-SNP) | Gold Kidney Health Plan | HMO-POS C-SNP | 2.5 out of 5 |
| Gold Heart & Diabetes (HMO-POS C-SNP) | Gold Kidney Health Plan | HMO-POS C-SNP | 2.5 out of 5 |
| Gold Heart & Diabetes Complete (HMO-POS C-SNP) | Gold Kidney Health Plan | HMO-POS C-SNP | 2.5 out of 5 |
| Gold Heart & Diabetes Plus (HMO-POS C-SNP) | Gold Kidney Health Plan | HMO-POS C-SNP | 2.5 out of 5 |
| American Health Advantage of Florida (HMO I-SNP) | American Health Advantage of Florida | HMO I-SNP | Not enough data available |
| Premier Care (HMO I-SNP) | Align Senior Care | HMO I-SNP | Not enough data available |
| SECUR Advantage (HMO I-SNP) | SECUR Health Plan | HMO I-SNP | Not enough data available |
| SECUR CarePath (HMO C-SNP) | SECUR Health Plan | HMO C-SNP | Not enough data available |
| SECUR Edge (HMO I-SNP) | SECUR Health Plan | HMO I-SNP | Not enough data available |
| SECUR Enhanced (HMO I-SNP) | SECUR Health Plan | HMO I-SNP | Not enough data available |
| Senior Care (HMO I-SNP) | Align Senior Care | HMO I-SNP | Not enough data available |
A plan without Part D drug coverage has no overall rating; its Part C summary rating (health plan rating) is shown instead, as CMS does.
Compare plans for your ZIP code in Medicare's Plan Finder on Medicare.gov.
What Medicare Star Ratings measure
CMS rates every Medicare Advantage contract from 1 to 5 stars each year. For 2027, the health plan (Part C) rating looks at five areas: staying healthy (screenings, tests and vaccines), managing chronic (long-term) conditions, members' experience with the plan, member complaints and changes in the plan's performance, and the plan's customer service. A plan with drug coverage is also rated on four drug plan (Part D) areas: customer service, member complaints and changes in performance, members' experience, and drug safety and accuracy of drug pricing.
The scores come from member surveys, information plans and providers report, and Medicare's own data such as complaints and appeals. The overall rating combines the health and drug plan measures; a plan without drug coverage has a Part C summary rating instead. Ratings are given per contract, so every plan under the same contract carries the same stars.
The 5-star Special Enrollment Period
Medicare's 5-star Special Enrollment Period lets you switch, once, to a plan with a 5-star overall rating that is offered where you live, outside the usual enrollment periods. For plans rated 5 stars for 2027, it runs from December 8, 2026 through November 30, 2027.
In Pasco County, 2 Medicare Advantage plans have a 5-star overall rating for 2027, so the 5-star Special Enrollment Period can apply here.
If you switch from a plan with drug coverage to a 5-star plan without it, you could lose your drug coverage, so check before you switch.
Every year, Medicare evaluates plans based on a 5-star rating system.
These ratings are CMS's, not ours, and we do not recommend plans. A rating does not tell you whether a plan covers your doctors and drugs or what it charges.
Source: CMS 2027 Star Ratings Data Tables (Summary Ratings), released October 8, 2026; plans offered: CMS CY2027 Medicare Advantage Landscape file.
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