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Medicare Advantage by state
Florida has the highest Medicare Advantage penetration in the country, and the market is unusual in how much of it is built for dual eligibles and for people with chronic conditions. It is also the market where the gap between a good plan and a cheap plan is widest.
Figures reviewed for 2026
What matters
Humana, UnitedHealthcare, Florida Blue, Aetna, Simply Healthcare and Devoted Health are the names residents see most, alongside dozens of special needs plans in Miami-Dade, Broward and Hillsborough. Every county has multiple options, but the plan sold in Tampa may not be the same plan sold in Orlando.
Monthly premiums of $0 are standard across the state, with drug coverage, dental and transportation benefits bundled in and an over-the-counter allowance on many plans. The hidden cost is network churn: plans renegotiate hospital contracts every year, and a plan that covered your cardiologist in January may not in July.
Florida allows medical underwriting on Medigap after the six-month window and prices on attained age, so leaving a supplement for an Advantage plan can be permanent. The state’s large seasonal population also needs to check out-of-area coverage rules before choosing a Florida HMO.
SHINE, Serving Health Insurance Needs of Elders, is the free statewide counseling program, and the Florida Department of Financial Services handles complaints about how a plan was marketed.
We check every plan sold in your county against your doctors and your prescriptions, then tell you what the plan would actually cost over a year. No cost to you, and no obligation.
An Advantage plan is a network product. If you would rather keep any doctor in the country and know your costs in advance, the supplement guide for this state covers the rules, the pricing and who must sell to you.
Florida Medicare Supplement plansPlan lists and networks stop at the state line. These are the guides closest to Florida.
See every state's Medicare Advantage guideNext steps
No cost, no obligation
Plans and networks differ by county, sometimes by ZIP code. Tell us where you live and we will show you what is actually sold there.
