C
611 plans available across Florida. Compare coverage, premiums, and extra benefits — and find the best plan in your county with a licensed Medicare agent.
5.1M+
Florida Medicare enrollees
60%+
Choose Medicare Advantage
611
Advantage plans in FL for 2026
$0
Many plans have zero monthly premium
Advantage plans must cover everything Original Medicare covers — but most go much further.
Most common in Florida. You must use in-network providers and get referrals for specialists. Lower premiums and copays. Best for those whose doctors are in-network.
More flexibility — you can see out-of-network doctors at a higher cost without referrals. Higher premiums than HMO. Best for those who want specialist access freedom.
Hybrid plan. Primary care within the HMO network, but can go out-of-network for some services (Point of Service). CarePlus Health Plans offers strong options in Florida.
Special Needs Plans for people with specific chronic conditions, dual Medicare/Medicaid eligibility, or living in an institution. Tailored benefits for complex care needs.
Private Fee-for-Service plans let you see any Medicare-accepted provider who agrees to the plan's terms. Less common but useful in rural Florida counties.
Medical Savings Account plans combine a high-deductible Advantage plan with a medical savings account the plan deposits money into each year.
Initial Enrollment Period
3 months before – 3 months after 65th birthday
Your first chance to enroll. Missing it can mean waiting or paying penalties.
Annual Enrollment Period (AEP)
October 15 – December 7
Switch plans, drop Advantage and return to Original Medicare, or add/drop Part D.
Medicare Advantage OEP
January 1 – March 31
Can switch to a different Advantage plan or return to Original Medicare once during this window.
Special Enrollment Periods
Varies by trigger event
Triggered by losing coverage, moving out of plan area, or qualifying life events.
We compare every plan available in your zip code — at no cost to you. Carriers pay us, not you.
Medicare Advantage (Part C) is an all-in-one alternative to Original Medicare offered by private insurance companies. It bundles Part A (hospital), Part B (medical), and usually Part D (prescriptions) into one plan. Unlike Original Medicare, Advantage plans often include extras like dental, vision, and hearing. You must be enrolled in Medicare Parts A and B to join an Advantage plan.
Florida is one of the most active Medicare Advantage markets in the country. For 2026, there are 611 Medicare Advantage plans available across Florida — up from 592 in 2025. Plan availability varies by county. A licensed agent can pull every plan available in your specific zip code.
Yes — many Medicare Advantage plans in Florida have $0 monthly premiums. You still pay your Part B premium (around $185/month in 2026), but the Advantage plan itself may cost nothing extra. Zero-premium plans typically have HMO networks and may have higher cost-sharing when you use services.
Most Florida Medicare Advantage plans go beyond Original Medicare to include dental cleanings, vision exams and glasses, hearing aids, fitness memberships (SilverSneakers), over-the-counter allowances, and telehealth. Premium plans may add transportation to medical appointments, meal delivery after hospitalization, and home safety modifications.
Yes. You can switch during the Annual Enrollment Period (October 15 – December 7 each year), with changes effective January 1. There is also a Medicare Advantage Open Enrollment Period from January 1 – March 31 where you can switch to another Advantage plan or return to Original Medicare once.
The 'best' plan depends on your doctors, medications, and county. In Florida, top-rated carriers include UnitedHealthcare (best HMO options), CarePlus Health Plans (best HMO-POS), and Aetna (best PPO coverage). Florida Blue and Humana also have strong plans in many counties. We compare all carriers for you at no cost.