Quick answer: For 2027, Health First is narrowing its Medicare Advantage service area to four counties: Brevard, Indian River, Volusia and Flagler. In Volusia and Flagler, it offers SunSaver (HMO), Emerald Plus (HMO), which gives back up to $127 a month on Part B, and Premier Access (HMO-POS). Health First also sells ACA individual and family plans in Volusia. We’re appointed with Health First for both.
Health First is a Brevard-based health system with its own health plan, and it’s one of the few truly local names in our market. For 2027, it’s pulling its Medicare Advantage plans back to its home region. If you live in Volusia or Flagler, Health First is still here. If you live in a county it’s leaving, read our Health First 2027 changes article and what to do when your plan is leaving.
| Plan | Plan ID | Type | Monthly premium | Max out-of-pocket | PCP / specialist | Part B giveback | Drug deductible | Dental |
|---|---|---|---|---|---|---|---|---|
| Health First SunSaver | H1099-016 | HMO | $0 | $3,900 | $0 / $20 | None | $700 (tiers 3-5) | $1,000 a year, plus a $650 dental debit card |
| Health First Emerald Plus | H1099-028 | HMO | $0 | $4,200 | $0 / $25 | Up to $127 | $700 (tiers 3-5) | $1,000 a year |
| Health First Premier Access | H1099-027 | HMO-POS | 2027 details pending | 2027 details pending | 2027 details pending | 2027 details pending | 2027 details pending | 2027 details pending |
Source: Health First 2027 Summary of Benefits for SunSaver and Emerald Plus (Volusia and Flagler), cross-checked with the CMS CY2027 Landscape. Premier Access: Health First confirms the plan is offered for 2027, but its 2027 Summary of Benefits wasn’t posted on hf.org when this page was written, so we haven’t listed 2026 figures. Call us for current details.
The two HMOs share the same $0 premium, $0 PCP copay and $700 drug deductible on tiers 3-5. SunSaver has the lower out-of-pocket limit and specialist copay, plus a preloaded $650 dental debit card on top of the $1,000 dental allowance. Emerald Plus trades a little of that for a Part B giveback of up to $127 a month.
Premier Access, formerly called Easy Access, is the Health First plan with some out-of-network flexibility. We’ll go over its 2027 benefits with you once the plan documents are available.
Brevard County: Brevard has its own Health First lineup: Classic (HMO-POS) H1099-001, Value (HMO) H1099-006, Rewards (HMO) H1099-014, and Secure (HMO) H1099-009, which has no Part D. Premiums run from $0 to $90 a month, according to CMS 2027 data. Call us to compare them for your ZIP code.
Under 65? Health First Commercial Plans sells individual and family coverage in Volusia County, and we’re appointed with them. These are HMO plans built around the Health First network. See our ACA open enrollment guide. Open enrollment for 2027 coverage starts November 1.
Health First doesn’t sell Medicare Supplement plans. If you’d rather use Original Medicare, we quote Supplements from Florida Blue, Aetna and AARP/UnitedHealthcare. See our Medicare Supplement guide.
When a plan’s service area shrinks, people often have to change networks, and that can mean changing doctors. We have relationships with several doctors’ offices in Volusia and Flagler. If you’re willing to switch, we’ll help place you with a new provider who takes your new plan and make a warm introduction.
Other 2027 carrier guides: Florida Blue, Aetna, UnitedHealthcare, Wellcare, Freedom Health, 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. For 2027, Health First keeps Medicare Advantage plans in Brevard, Indian River, Volusia and Flagler and exits its other counties.
Emerald Plus (HMO) H1099-028 reduces your Part B premium by up to $127 a month in 2027, according to its Summary of Benefits.
Yes. Health First confirms Premier Access (HMO-POS) H1099-027 is offered for 2027. Its 2027 Summary of Benefits wasn’t yet posted when we wrote this page, so call us for current benefits.
Yes. Health First Commercial Plans sells individual and family plans in Volusia County, and we’re appointed with them.
No. Health First focuses on Medicare Advantage. We can quote Supplements from other carriers we work with.
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, Health First Health Plans. 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.