Quick answer: For 2027, Freedom Health offers HMO plans in Volusia, including Freedom Platinum Plan Rx with a $0 specialist copay and a $2,000 out-of-pocket limit. It also offers chronic-condition Special Needs Plans, including one for COPD, with a $70 monthly Everyday Options Allowance and a $47 monthly OTC allowance. Freedom isn’t offered in Flagler.
Freedom Health is a Florida Medicare Advantage company owned by Elevance Health. It focuses on HMOs and on Special Needs Plans for people with chronic conditions, which is where its 2027 extras stand out.
| Plan | Plan ID | Type | Monthly premium | Max out-of-pocket | PCP / specialist | Part B giveback | Drug deductible | OTC |
|---|---|---|---|---|---|---|---|---|
| Freedom Platinum Plan Rx | H5427-089 | HMO | $0 | $2,000 | $0 / $0 | None | $0 | $45 a month |
| Freedom Platinum Rewards Plan Rx | H5427-102 | HMO | $0 | $3,400 | $0 / $20 | $202.90 a month | $0 | $40 a month |
| Freedom Medicare Plan Rx | H5427-059 | HMO | $0 | $4,450 | $0 / $30 | None | $0 | $35 a month |
| Freedom Savings Plan | H5427-052 | HMO, no Part D | $0 | $4,450 | $0 / $40 | $75 a month | No drug coverage | $35 a month |
Source: each plan’s 2027 Summary of Benefits; premium, MOOP and drug deductible cross-checked with the CMS CY2027 Landscape file (Sept. 2026). In-network figures. Plan year 2027. Unused OTC amounts expire per the Summary of Benefits.
Platinum Plan Rx has $0 PCP and specialist copays and a $2,000 out-of-pocket limit. Platinum Rewards adds a $202.90 monthly Part B giveback with a $20 specialist copay and a $3,400 limit. Neither plan has a Part D deductible. All four plans list $0 for preventive and comprehensive dental in network; check the Evidence of Coverage for annual limits.
Freedom VIP Savings COPD (HMO C-SNP) H5427-077 is a Chronic Condition Special Needs Plan for people diagnosed with chronic lung disease, such as COPD. Highlights from its 2027 Summary of Benefits:
Freedom also offers Freedom VIP Savings (HMO C-SNP) H5427-072 in Volusia with the same costs and allowances. That plan is for people with diabetes, cardiovascular disorders and/or chronic heart failure. Freedom VIP Care (HMO C-SNP) H5427-070 is also available in Volusia. Your doctor must confirm a qualifying diagnosis for you to enroll in a C-SNP.
Dual plans: Freedom Medi-Medi Partial (HMO D-SNP) serves people with both Medicare and Florida Medicaid in Volusia and Brevard.
Brevard and Flagler: Brevard has its own versions, including Freedom Platinum Plan Rx H5427-088 with a $1,750 out-of-pocket limit, Platinum Rewards H5427-106, and VIP C-SNPs. The 2027 CMS data shows no Freedom plans in Flagler County.
Freedom Health doesn’t sell Medicare Supplement plans. If Original Medicare with a Supplement suits you better, we quote Supplements from Florida Blue, Aetna and AARP/UnitedHealthcare. See our Medicare Supplement guide and Part D page.
Freedom’s plans are HMOs, so your care is coordinated through an in-network primary care doctor. If switching means finding a new one, we can help. We have relationships with several doctors’ offices in Volusia County, and we’ll help place you with a provider in the Freedom network and make a warm introduction.
Other 2027 carrier guides: Florida Blue, Aetna, UnitedHealthcare, Wellcare, Health First, HealthSpring (formerly Cigna), Humana and CarePlus, Devoted Health and Optimum HealthCare. For the big picture, start with our Medicare plans overview, our Part D drug plan page and our Medicare Supplement guide.
No. CMS 2027 data shows Freedom Health plans in Volusia and Brevard, but not in Flagler.
Yes. Freedom VIP Savings COPD (HMO C-SNP) H5427-077 is for people with chronic lung disease. For 2027, it lists a $0 premium, a $47 monthly OTC allowance, a $70 monthly Everyday Options Allowance and a $202.90 Part B premium reduction.
The $70 monthly Everyday Options Allowance covers assistive devices. If you qualify for Special Supplemental Benefits for the Chronically Ill (SSBCI), you can also use it on healthy foods and utilities. Unused amounts expire each month.
A Chronic Condition Special Needs Plan is a Medicare Advantage plan for people with specific chronic conditions. Your doctor must confirm a qualifying diagnosis.
For 2027, Platinum Rewards Plan Rx and the VIP Savings C-SNPs reduce your Part B premium by $202.90 a month, and Freedom Savings Plan by $75 a month.
Yes. We work with several local doctors’ offices and can help place you with a new provider and make a warm introduction.
Sit down with us at our South Daytona office or talk by phone. We’ll run your doctors and every prescription through the 2027 plans for your ZIP code.
This page is for general education. Plan availability, benefits, premiums, networks, drug lists and costs vary by county and plan year and can change on January 1 each year. Figures come from each plan’s 2027 Summary of Benefits and the CMS 2027 plan data; always confirm with the plan’s Evidence of Coverage. HealthBrokerFL / USA Benefits Group is an independent insurance agency and is not affiliated with, or endorsed by, Freedom Health. We are not connected with or endorsed by the U.S. government or the federal Medicare program.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY 1-877-486-2048), 24 hours a day, 7 days a week, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options.