Best Medicare Advantage Plans in Florida (2026)

Medicare Advantage in Florida: the 2026 snapshot

• 611 plans available statewide (up from 592 in 2025).
• Average monthly premium around $2.11 — and every Florida ZIP has at least one $0-premium plan.
• Top-rated carriers for 2026 include Humana, Aetna, UnitedHealthcare, CarePlus, and Cigna HealthSpring.

HMO vs PPO: which is right for you?

HMO plans usually have the lowest premiums and strong $0-premium options, but require you to stay in-network and use a primary care doctor for referrals. PPO plans cost a bit more but let you see out-of-network providers — useful if you split time between Florida and another state (common for seasonal residents).

How to actually pick a plan

1. Check your doctors and hospitals are in-network.
2. Check your prescriptions are on the plan's formulary.
3. Compare the out-of-pocket maximum, not just the premium.
4. Look at extra benefits (dental, vision, hearing, OTC, transportation).
5. Check the CMS star rating — 4 stars or higher is a good sign.

Wondering what Medicare actually covers?

Before you pick a plan, it helps to know what Original Medicare does and doesn't pay for. We keep a plain-English, CMS-sourced guide to common questions — from CPAP machines to dental, hearing aids, and more. See our “Does Medicare cover it?” guide →

When can you enroll?

The Annual Enrollment Period (AEP) runs October 15 – December 7. There's also a Medicare Advantage Open Enrollment Period January 1 – March 31, plus an Initial Enrollment Period around your 65th birthday and various Special Enrollment Periods.