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If you’re considering enrolling in a Medicare Advantage plan (also known as Medicare Part C) in Florida to meet your health insurance needs, you’re not alone.
According to recent U.S. Census Bureau data estimates, approximately 4.8 million people ages 65 and older live in Florida, accounting for nearly 22% of the state’s total population[1]. Considering that Florida’s average life expectancy is approximately 76 years, maintaining health insurance coverage after retirement is essential for both physical and financial well-being[2].
If you’re looking for the best Medicare Advantage plan to meet your specific needs, Forbes Health is here to assist with your search. Using the snapshot of your state’s market below, you can gain a better understanding of how many plan options you have, who the providers tend to be and how much you can expect to pay each month for a plan. You can also download our checklist of easy-to-follow steps for a streamlined Medicare Advantage enrollment experience.
- Helps pay the 20% that Original Medicare doesn’t cover
- Pays 100% of Part A coinsurance
- Pays up to 100% of Part B coinsurance
- Available in all 50 states
- Offers Medical Benefits for Foreign Travel
- Fill out a quote form to speak to a licensed insurance agent
Medicare Advantage in Florida
Since Medicare Advantage plan eligibility is largely dependent on where you live, we gathered data specific to an urban, suburban and rural location in Florida to show how plan availability, monthly premium rates and in-network maximum out-of-pocket amounts can vary.
| DUVAL COUNTY | HILLSBOROUGH COUNTY | WALTON COUNTY | |
|---|---|---|---|
| Number of residents enrolled in a plan* | 98,412 | 164,070 | 7,998 |
| Number of plan contracts available* | 235 | 263 | 164 |
| Number of plan contracts utilized*** | 39 | 47 | 21 |
| Number of health insurance companies providing plans** | 14 | 21 | 7 |
| Health insurance companies providing plans** | Advantage of Florida American Health CarePlus Health Plans Inc. Devoted Health Plans Inc. Florida Blue Florida Blue HMO Florida Complete Care Gold Kidney Health Plan Simply Healthcare | Align Senior Care American Health Advantage of Florida BayCare Health Plans CarePlus Health Plans Inc. Devoted Health Florida Complete Care Florida Blue Florida Blue HMO Freedom Health Inc. Gold Kidney Health Plan Optimum HealthCare Inc. Plans Inc. SECUR Health Plan Simply Healthcare Solis Health Plans Ultimate Health Plans | |
| Average monthly premium of these plans** | $10.14 | $8.85 | $14.35 |
| Average monthly out-of-pocket maximum of these plans** | $5,232.91 | $4,202.46 | $6,276.83 |
*Data from September 2024
**Data from October 2024
***Plans with less than 10 enrollees are excluded from this data point by CMS
****State averages based on data points for three presented counties
Compare Medicare Advantage Plans Offered By Our Featured Partners
Medicare Advantage Providers in Florida
Thirty private health insurance providers offer Medicare Advantage plans in the state of Florida, including:
- Aetna Medicare
- Align Senior Care
- AmeriHealth Caritas VIP Care (HMO-D-SNP)
- American Health Advantage of Florida
- AvMed Medicare
- BayCare Health Plans
- Capital Health Plan
- CarePlus Health Plans, Inc.
- Cigna Healthcare
- Clear Spring Health
- Devoted Health
- Doctors HealthCare Plans, Inc.
- Florida Blue
- Florida Blue HMO
- Florida Complete Care
- Freedom Health, Inc.
- Gold Kidney Health Plan
- Health First Health Plans, Inc.
- HealthSun Health Plans, Inc.
- Humana
- Leon Health, Inc.
- Optimum HealthCare, Inc.
- Prominence Health Plan
- SECUR Health Plan
- Simply Healthcare
- Simply Healthcare Plans, Inc.
- Solis Health Plans
- Ultimate Health Plans
- UnitedHealthcare
- Wellcare
Plan availability varies by ZIP code, so not all providers listed above offer Medicare Advantage plans in every county of Florida.
Top-Rated Medicare Advantage Plans in Florida
Every year CMS rates Medicare Advantage (Part C) and Part D prescription drug plans to reflect the experience of being enrolled in such coverage. The agency uses a scale of one to five stars, with one star representing poor performance and five stars representing excellent performance. The following plans available in the state of Florida in 2025 earned five-star ratings from CMS.
HealthSun Health Plans, Inc.
- HealthSun HealthAdvantage Plan (HMO)
- HealthSun HealthAdvantage Plus (HMO)
- HealthSun MediMax (HMO)
- HealthSun MediSun Extra (HMO D-SNP)
- HealthSun MediSun Plus (HMO D-SNP)
- HealthSun VitalCare (HMO C-SNP)
Leon Health, Inc.
- Leon MediDual (HMO D-SNP)
- Leon MediExtra (HMO)
- Leon MediMax (HMO D-SNP)
- Leon MediMore (HMO)
- Leon MediPlus (HMO)
Optimum HealthCare, Inc.
- Optimum Diamond (HMO C-SNP)
- Optimum Diamond Rewards (HMO C-SNP)
- Optimum Diamond Rewards COPD (HMO C-SNP)
- Optimum Diamond Savings (HMO C-SNP)
- Optimum Diamond Savings COPD (HMO C-SNP)
- Optimum Emerald Full (HMO D-SNP)
- Optimum Emerald Partial (HMO D-SNP)
- Optimum Gold Plan (HMO)
- Optimum Gold Plus Plan (HMO)
- Optimum Gold Rewards Plan (HMO)
- Optimum Platinum Plan (HMO)
To determine which of these plans might be available in your area, enter your ZIP code in Medicare.gov’s plan finder tool. The tool also displays each plan’s rating from CMS.
- Chat with a licensed insurance agent today
- Helps you find the right Medicare coverage from a wide variety of plan options
- Compare plans online
- Plan options from Aetna, Anthem, BCBS, Cigna, Humana, and more
- Call to speak to a licensed insurance agent. TTY 711, Mon-Sun 8 am - 11 pm EST
Call NowMedicare Resources in Florida
If you live in Florida and are looking for additional information about Medicare plans available and assistance with selecting the best coverage for your health care needs and budget, here are a few resources to help you get started.
- Serving Health Insurance Needs of Elders (SHINE): This free program from Florida’s Department of Elder Affairs in partnership with local Area Agencies on Aging can connect you with specially trained counselors throughout the state who are knowledgeable about Medicare, Medicaid and other health insurance options that may be available to you.
- Florida Office of Insurance Regulation: The goal of this office is to promote a competitive insurance market while protecting the interests of those buying insurance, helping them avoid scams and make wise purchasing decisions.
- Senior Resource Alliance: This nonprofit serves older adults in Brevard, Orange, Osceola and Seminole counties specifically, providing people with information on Medicare and available assistance, among other services.
While not exclusive to the state of Florida, Medicare.gov and CMS’s website are two more excellent tools for learning about the various components of Medicare coverage. You can also search for plans available in your ZIP code and compare options via Medicare.gov’s plan finder tool.
How to Find the Best Medicare Advantage Plan in Florida for 2024
With that snapshot of your state’s Medicare Advantage coverage in mind, it’s time to consider the details involved in identifying the best plan for you, from in-network hospitals and providers to drug formularies and deductibles. For those approaching the age of 65, navigating another qualifying event or reviewing plan options ahead of the Medicare Advantage Open Enrollment period (which runs from January 1 to March 31 annually), we created the downloadable checklist below to simplify your enrollment experience.
Your Medicare Advantage Plan Shopping Checklist (Text Version)
Medicare Advantage Plans By State
HealthCompare Insurance Services does not offer every plan available in your area. Currently it represents 18 organizations, which offers 52,101 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
HealthCompare Insurance Services represents Medicare Advantage HMO, PPO, and PFFS organizations and stand-alone PDP prescription drug plans that are contracted with Medicare. Enrollment depends on the plan’s contract renewal.
Frequently Asked Questions (FAQs)
What is Medicare Advantage?
Medicare Advantage (Medicare Part C) is a type of health insurance provided by private insurance companies to U.S. adults ages 65 and up, as well as younger individuals with certain disabilities and health conditions. The federal government pays a flat fee per enrollee to the insurance companies, which then provide the core benefits of Original Medicare, payment to care providers and oftentimes additional benefits.
What is the difference between Medicare Advantage and Original Medicare?
Medicare Advantage covers everything included in Original Medicare (Part A and Part B), but most Medicare Advantage plans also include prescription drug coverage (Part D), and some plans provide dental and vision coverage and hearing aids and fitness benefits as well. These additional coverages and benefits vary by plan. While there are several distinctions between Original Medicare and Medicare Advantage, one noteworthy difference is people enrolled in a Medicare Advantage plan are responsible for paying both the monthly premium associated with Original Medicare Part B ($174.70 for most people in 2024) and the monthly premium associated with their Medicare Advantage (Part C) plan, which is described in the data above.
What additional coverage do I need alongside a Medicare Advantage plan?
It depends on the Medicare Advantage plan you pick. Some plans provide an extensive list of additional benefits, including (but not limited to) dental, vision, hearing health, prescriptions, over-the-counter, transportation, fitness memberships and more. However, if you enroll in a less comprehensive plan, you might need to seek additional coverage for a desired benefit your plan is missing.
