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Get More From a Medicare Advantage Plan
An alternative to Original Medicare, Medicare Advantage plans can be beneficial to many. Let SelectQuote help you determine whether a Medicare Advantage plan would be a good fit for you. It’s free, and there’s no obligation to enroll.
Medicare Advantage Plans in Florida
Medicare Advantage plans in Florida (Medicare Part C) serve as an alternative to Original Medicare. These plans, administered by private insurance companies, bundle your hospital insurance (Part A), medical insurance (Part B), and additional coverages like prescription drug coverage into a single policy.
Key Florida Medicare Advantage Plan Takeaways
2027 Plan Choices: You can shop for new plans from October 15 to December 7. Companies like Humana and UnitedHealthcare offer plans in Florida. The exact HMO and PPO plans you can buy will depend on the county you live in.
Hidden Costs: Many Florida Part C plans cost $0 each month. But you still need to check the Maximum Out-of-Pocket (MOOP) limit. This is the most you would have to pay for care.
Prescription Drug Rules: There is a new rule for 2026 and 2027: you will not pay more than $2,100 out-of-pocket for your covered Part D drugs. Check your Annual Notice of Change to see how this changes your costs next year.
$0 Monthly Plans: The majority of Florida beneficiaries have access to a Medicare Advantage plan with a $0 monthly premium.
How Medicare Advantage Plans (Part C) Work in Florida
Medicare Advantage replaces the traditional federal administration of your Original Medicare benefits with a private insurance structure. By law, these plans must cover everything that Original Medicare covers, but they change how you access that care through regional provider networks.
HMO vs. PPO Networks in Florida
Choosing the right Medicare Advantage plan network type is important in Florida, where lifestyle and geography play major roles in your care:
Health Maintenance Organizations (HMOs): HMOs are common in densely populated urban corridors such as Miami, Tampa, and Orlando. These plans require you to select a primary care provider (PCP) and obtain formal referrals to see specialists. This coordinated care model keeps care local and helps lower your day-to-day copays.
Preferred Provider Organizations (PPOs): If you are a snowbird who spends part of the year outside of Florida, or if you live in a rural county, a PPO framework may make the most sense for you. PPOs grant you the flexibility to see out-of-network specialists or visit doctors nationwide who accept Medicare without needing a primary care referral.
Popular Medicare Advantage Carriers in Florida
Carrier | Plan Types Available in FL | Avg. Premium / Avg. MOOP | |
4.5 Stars | HMO, PPO, LPPO | $0 / $3,166 | |
4.5 Stars | HMO, HMO-POS, PPO | $0 / $3,067 | |
4.5 Stars | HMO, HMO-POS, PPO | $0 / $3,741 | |
CarePlus / FL Blue | 4.5 Stars | HMO, HMO-POS | $0 / $2,700 |
Source: Medicare.gov Plan Compare
CMS Star Ratings are evaluated annually by the Centers for Medicare & Medicaid Services (CMS). Ratings and plan availability can vary significantly by Florida county.
The Hidden Costs: $0 Premiums vs. Max Out-of-Pocket (MOOP)
Understanding the math of your health means looking beyond the upfront price tag. A plan that features a $0 monthly premium isn't completely free. Private insurers balance a $0 premium by setting copays, deductibles, and a Maximum Out-of-Pocket (MOOP) limit.
If you rarely visit the doctor, a $0 premium plan with a higher MOOP can save you money upfront. However, if you require frequent specialist visits, physical therapy, or unexpected hospital stays, a plan with a slightly higher monthly premium but a much lower MOOP might actually protect your savings better over the course of the year.
Plan Availability by Top Florida Counties
Because carrier networks and additional plan benefits vary by ZIP code, understanding the plan landscape in your county can be helpful. Here’s a look at the three most populated counties in the Sunshine State.
Miami-Dade County: Features some of the highest density plan availability in the country, with heavy carrier competition.
Broward County: Offers a mix of managed care options, with a heavy focus on comprehensive local HMO networks built around major South Florida medical systems.
Palm Beach County: Popular for beneficiaries seeking hybrid HMO-POS or flexible PPO options that offer a blend of cost savings and regional doctor choice.
Disclaimer: Medicare Advantage plan availability, premiums, and provider networks in Florida vary by county and ZIP code. County-level descriptions are based on general Medicare market trends, population distribution, and typical rural vs. urban plan availability patterns. Actual plan options and benefits are determined by each insurance carrier and may change annually.
2026 Florida Medicare Enrollment Periods
Annual Enrollment Period (AEP) | October 15 to December 7: This is the primary fall window for any current Medicare beneficiary to switch or adjust coverage. During this time, you can transition from Original Medicare to a Medicare Advantage plan, swap between different Part C policies, or change your standalone Part D prescription drug coverage. All changes take effect on January 1.
Medicare Advantage Open Enrollment Period (OEP) | January 1 to March 31: If you are already enrolled in a private Medicare Advantage plan on January 1, this dedicated winter timeline provides a one-time opportunity to adjust your choice. You can switch to a completely different Medicare Advantage plan or return to Original Medicare (with the option to add a standalone Part D policy).
Special Enrollment Period (SEP) | Occurs Based on Qualifying Events: You may qualify to change your coverage outside standard enrollment timelines if you experience specific qualifying life events. Qualifying events include moving to a new county in Florida or newly qualifying for a Dual-Eligible Special Needs Plan (D-SNP) through state assistance.
Compare Medicare Supplement Plans in Florida
If you are a frequent traveler, split your time across states, or want completely unrestricted access to any doctor in the country, a network-based Medicare Advantage plan may not align with your lifestyle. Instead, you may prefer to stay on Original Medicare and enroll in additional coverage in the form of a Medicare Supplement (Medigap) plan. Medigap plans carry no network restrictions, meaning you can see any provider nationwide who accepts Medicare..
Note: You cannot be enrolled in a Medigap plan and a Medicare Advantage plan at the same time.
Why choose SelectQuote for Florida Medicare plans?
With more than 40 years of experience helping beneficiaries all over the country make decisions about Medicare, we’re here to offer the knowledge and support you need.. Our licensed insurance agents compare options from a dozen recognized insurance carriers in minutes, providing clear, objective insights so you can make your choice with confidence.
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Localized Expertise: Our licensed insurance agents understand the specific county-by-county network rules across Florida, helping you select a plan that works with your preferred hospital network and providers.
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Florida Medicare Advantage Plan FAQs
Do Florida snowbirds need a special Medicare Advantage plan?
Part-time residents need to be aware of network rules. Traditional HMOs will cover emergency care only when you are outside your Florida service area. If you are a snowbird, you should look for a PPO plan with a national network, or an HMO-POS plan that explicitly includes a traveler’s benefit or multi-state network coverage.
Do I still pay the Part B premium with a $0 Florida Advantage plan?
Yes. A $0 premium simply means you do not pay an additional monthly fee to the private insurance company. You are still legally required to pay your mandatory standard federal Medicare Part B premium, which is $202.90 per month for the 2026 plan year.
How do 2026 Medicare rules affect Florida prescription drug coverage?
The latest federal guidelines cap your maximum annual out-of-pocket pharmacy spending on covered Part D medications at $2,100. This rule automatically protects Florida beneficiaries who manage high medication costs from facing catastrophic drug expenses mid-year.
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