611 Plans in Florida · 2026
Medicare Advantage Plans
Compare for 2026
611 plans available across Florida. Compare coverage, premiums, and extra benefits — and find the best plan in your county with a licensed Medicare agent.
Reviewed by Philip Smith, Licensed Insurance AgentNPN #22255420Updated July 2026
Quick Answer
How does Medicare Advantage work in Florida?
Medicare Advantage (Part C) replaces Original Medicare with an all-in-one plan from a private carrier — typically bundling hospital, medical, and often prescription coverage into one plan. In exchange, you use the plan's provider network. Premiums and any extra benefits vary by plan and county. Florida is one of the most competitive Advantage markets in the country, so the plans available vary by county and ZIP code.
Medicare in Florida: Why It Matters
5.1M+
Florida Medicare enrollees
60%+
Choose Medicare Advantage
611
Advantage plans in FL for 2026
$0
Many plans have zero monthly premium
Medicare Advantage vs. Original Medicare
Advantage plans must cover everything Original Medicare covers — but most go much further.
| Benefit | Original Medicare | Medicare Advantage |
|---|---|---|
| Hospital Care (Part A) | Covered | Covered + extras |
| Doctor Visits (Part B) | Covered | Covered + lower copays |
| Prescription Drugs (Part D) | Separate plan required | Usually included |
| Dental | Not covered | Often included |
| Vision | Not covered | Often included |
| Hearing | Not covered | Often included |
| Fitness Benefits | Not covered | Often included (SilverSneakers) |
| Out-of-Pocket Maximum | No limit | Capped annually (federal max: $8,850 in-network) |
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Types of Medicare Advantage Plans in Florida
HMO
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.
PPO
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.
HMO-POS
Hybrid plan. Primary care within the HMO network, but you can go out-of-network for some services (Point of Service).
SNP
Special Needs Plans for people with specific chronic conditions, dual Medicare/Medicaid eligibility, or living in an institution. Tailored benefits for complex care needs.
PFFS
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.
MSA
Medical Savings Account plans combine a high-deductible Advantage plan with a medical savings account the plan deposits money into each year.
Medicare Advantage Enrollment Periods
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.
Ready to Compare Florida Medicare Advantage Plans?
Philip compares the plans he represents in your zip code — with no fee to you for the help. Carriers pay him, not you.
Medicare Advantage FAQs
What is Medicare Advantage and how does it differ from Original Medicare?
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, some Advantage plans include additional benefits, which vary by plan and county. You must be enrolled in Medicare Parts A and B to join an Advantage plan.
How many Medicare Advantage plans are available in Florida?
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 the plans they represent in your specific zip code.
How do Medicare Advantage premiums work in Florida?
A Medicare Advantage plan can carry its own monthly premium on top of your Part B premium, and premiums differ from plan to plan and county to county. Whatever the plan premium is, you still pay your Part B premium. A lower plan premium often comes with a tighter network and more cost-sharing when you use services, so compare the total annual cost rather than the premium alone. The plans and premiums available at your address are on Medicare.gov's Plan Finder.
What extra benefits do Florida Medicare Advantage plans include?
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.
Can I switch Medicare Advantage plans in Florida?
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.
What is the best Medicare Advantage plan in Florida?
There is no single best plan — it depends on your doctors, your medications and your county. The questions that decide it are whether your doctors are in the plan's network, how your prescriptions sit on its drug list, and what the plan costs you across a whole year rather than a month. Philip walks through the plans available at your address with you, at no cost.
Related Medicare Resources
We do not offer every plan available in your area. Currently we represent organizations which offer 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. Philip Smith is not connected with or endorsed by the U.S. Government or the federal Medicare program. FL Lic. #G349232 · NPN #22255420