Freedom Health Medicare Advantage Plans 2027: Florida Plans, VIP Plans and Star Rating

Reviewed by Russell Noga, Licensed Medicare Insurance Broker (all 50 states) — Last updated October 15, 2026

Freedom Health is a Florida-only Medicare Advantage company based in Tampa. It is part of Elevance Health, the same parent company as Anthem and Optimum HealthCare, and it focuses on HMO plans built around local Florida doctors.

For 2027, CMS’s plan data lists 25 individual Freedom Health Medicare Advantage plans in 24 Florida counties, the same lineup as 2026. Nine of them are special needs plans, and Freedom Health’s Medicare contract earned 4 stars for 2027. Annual Enrollment runs October 15 to December 7, 2026, for coverage that starts January 1, 2027.

Here are the Freedom Health plan families in CMS’s 2027 data:

Source: CMS 2027 Plan Benefit Package and plan service area data, contract H5427, individual (non-employer) plans.

Freedom Health sells plans in Brevard, Broward, Charlotte, Citrus, Collier, Hernando, Hillsborough, Indian River, Lake, Lee, Manatee, Marion, Martin, Orange, Osceola, Palm Beach, Pasco, Pinellas, Polk, Sarasota, Seminole, St. Lucie, Sumter and Volusia counties. Not every plan is sold in every county, so check by ZIP code.

Comparing CMS’s 2026 and 2027 plan data, Freedom Health kept its lineup steady in a year when Florida lost more plans than any other state:

Current members should still read their Annual Notice of Change for 2027 changes to copays, drug coverage and networks. For every carrier in the state, see our guide to Medicare Advantage plans in Florida.

Freedom Health’s VIP plans are chronic condition special needs plans (C-SNPs). They are built for people with qualifying conditions such as diabetes, heart disease or COPD, and you must have a qualifying condition to enroll.

Special needs plans may include extra benefits tied to your condition, depending on the plan. Learn more in our guide to Medicare Advantage special needs plans.

Benefits depend on the plan and county, but Freedom Health Medicare Advantage plans may include:

Not all plans offer all benefits. Check each plan’s 2027 Summary of Benefits for exact premiums, copays and out-of-pocket limits.

Freedom Health’s Medicare Advantage contract earned 4 stars for 2027, just above the national average of 3.99. Its sister company Optimum HealthCare earned 4.5 stars. See our guide to Optimum HealthCare Medicare Advantage plans, or every carrier in our 2027 Medicare Advantage star ratings.

A good fit if you:

Look harder at other options if you:

Florida has hundreds of Medicare Advantage plans, so compare Freedom Health against other carriers in your ZIP code.