Every year, there's a new crop of Medicare plans available in Florida. Even if you like your current plan, it might change significantly for next year.
That's why NerdWallet's editorial team analyzes every Medicare plan top to bottom each year.
For 2027, there are 560 Medicare Advantage plans commercially available in Florida. We dove deep into the data to analyze and compare every single one.
45+ Medicare companies and brands analyzed by our team of experts.
30+ years of combined experience covering Medicare and personal finance.
Governed by NerdWallet's strict guidelines for editorial integrity.
NerdWallet’s Medicare content, including articles, reviews and recommendations, is produced by a team of writers and editors who specialize in Medicare. Their work has appeared in The Associated Press, Washington Post, Nasdaq, MSN, MarketWatch, Yahoo! Finance and other national and regional media outlets. They have been cited in publications including Healthline, and appeared on NerdWallet's "Smart Money" podcast.
Compare the best Medicare Advantage plans in Florida
Insurance company | NerdWallet rating | $0 plan availability | Members in high-quality plans | Member experience | Learn more |
|---|---|---|---|---|---|
BEST FOR PLAN OPTIONS | |||||
 (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 3.8/5 | 68% (Average) | Medium (50% to 84%) | 3.26 (Below average) | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet |
BEST MAJOR COMPANY | |||||
 (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 4.6/5 | 80% (Above average) | High (85% to 100%) | 3.86 (Above average) | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet |
BEST FOR BRAND-NAME PRESCRIPTION DRUGS | |||||
 (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 4.2/5 | 78% (Above average) | Medium (50% to 84%) | 3.4 (Average) | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet |
 (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 3.9/5 | 64% (Below average) | Low (49% or less) | 3.54 (Average) | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet |
NerdWallet's picks in Florida
We analyzed every Medicare Advantage plan sold in Florida to find the best based on premiums, prescription drug coverage, costs for medical care, quality ratings, customer satisfaction and more.
These companies had plans that came out on top of our state-specific analysis:
Freedom Health.
HealthSun Health Plans.
Leon Health.
Optimum HealthCare Medicare.
Here's every Medicare Advantage plan in Florida that includes prescription drug coverage and earned at least 4 out of 5 stars on our scoring system. Plans are listed in order of NerdWallet's star rating, starting with the highest-rated plans.
Standard plans
Leon MediMore (HMO).
Humana Gold Plus H1036-054C (HMO).
Humana Gold Plus H1036-062C (HMO).
Humana Gold Plus H1036-065C (HMO).
HealthSun HealthAdvantage Plan (HMO).
UHC MedicareMax Medicare Advantage FL-0028 (HMO).
HealthSun HealthAdvantage Plus (HMO).
Humana Gold Plus H1036-025 (HMO).
HealthSun MediMax (HMO).
Humana Community (HMO).
Humana Gold Plus Giveback H1036-157 (HMO).
Humana Gold Plus Giveback H1036-269 (HMO).
Humana Gold Plus Giveback H1036-270 (HMO).
Humana Gold Plus H1036-044 (HMO).
Humana Gold Plus H1036-068 (HMO).
Humana Gold Plus H1036-074 (HMO).
Humana Gold Plus H1036-146 (HMO).
Humana Gold Plus H1036-217 (HMO).
Humana Gold Plus Giveback H1036-265 (HMO).
Humana Gold Plus Giveback H1036-266 (HMO).
Humana Gold Plus H1036-230 (HMO).
Optimum Platinum Plan (HMO).
Humana Gold Plus Reach Giveback H1036-286 (HMO).
Humana Gold Plus Giveback H1036-278 (HMO).
Humana Gold Plus Giveback H1036-305 (HMO).
Special needs plans
Humana Fully Integrated H1036-280 (HMO D-SNP).
HealthSun MediSun Extra (HMO D-SNP).
HealthSun MediSun Full Dual Extra (HMO D-SNP).
HealthSun VitalCare (HMO C-SNP).
UHC MedicareMax Complete Care FL-30 (HMO C-SNP).
Humana Dual Select H1036-077 (HMO D-SNP).
Humana Dual Select H1036-102 (HMO D-SNP).
Humana Dual Select H1036-209 (HMO D-SNP).
Humana Dual Select H1036-210 (HMO D-SNP).
Humana Dual Select H1036-213 (HMO D-SNP).
Humana Dual Select H1036-214 (HMO D-SNP).
Humana Dual Select H1036-285 (HMO D-SNP).
Humana Dual Select H1036-304 (HMO D-SNP).
Humana Dual Select H1036-314 (HMO D-SNP).
Humana Gold Plus - Diabetes and Heart (HMO C-SNP).
Humana Gold Plus Lung (HMO C-SNP).
Humana Dual Select H1036-226 (HMO D-SNP).
Optimum Diamond (HMO C-SNP).
Optimum Diamond Rewards (HMO C-SNP).
Optimum Diamond Rewards COPD (HMO C-SNP).
Humana Dual Integrated (HMO D-SNP).
Optimum Diamond Savings (HMO C-SNP).
Optimum Diamond Savings COPD (HMO C-SNP).
Optimum Emerald Partial (HMO D-SNP).
Freedom VIP Care (HMO C-SNP).
» MORE: Best Medicare Advantage plans
What to know about Medicare Advantage in Florida
More than 5 million people in Florida are signed up for Medicare.
The average monthly premium in 2027 for a Medicare Advantage plan in Florida is $2.13. (In 2026, it was $1.83.)
There are 560 Medicare Advantage plans available in Florida in 2027. (In 2026, there were 611.)
100% of Medicare-eligible people in Florida have access to a $0-premium Medicare Advantage plan.
Medicare is the federal health insurance program for people 65 and older. Medicare Advantage, sold by private insurance companies, is a bundled alternative to Medicare that offers the same benefits and usually some extras, such as cost help with dental and vision coverage.
Medicare Advantage plans offer more benefits than Original Medicare plans, and they're often cheaper than paying for Medicare and a Medicare Supplement Insurance plan, or Medigap. However, they offer less flexibility because you’ll need to get care from within the plan’s network of providers. Weigh your options to determine what plan best suits your needs.
» MORE: Medicare vs. Medicare Advantage: Which should I choose?
Third-party ratings
JD Power releases an annual study measuring member satisfaction with Medicare Advantage plans. It uses eight factors, such as level of trust, ability to get health services, ease of doing business and resolving problems or complaints.
In Florida, these Medicare Advantage companies scored above the regional average (611 points) on measures of member satisfaction (based on a 1,000-point scale):
UnitedHealthcare (621 points).
Humana (620 points).
Freedom Health (619 points).
Medicare resources in Florida
State Health Insurance Assistance Program (SHIP): Florida’s Serving Health Insurance Needs of Elders program, or SHINE, is its State Health Insurance Assistance Program. SHINE provides free information and counseling about Medicare options, processes and costs.
Florida Department of Financial Services: Provides insurance information for consumers and handles insurance-related complaints.
Florida Consumer Assistance: A list of resources from the Centers for Medicare & Medicaid Services.
How to choose a Medicare Advantage plan
It’s crucial to ask a few questions as you’re shopping for the right plan. Here’s a quick checklist to help you consider your options:
How much are the plan’s costs? Do you understand what the plan’s premium, deductibles, copays and/or coinsurance will be? Can you afford them?
Is your doctor in-network? If you have a preferred doctor (or doctors) or hospital, make sure they participate in the plan’s network.
Are your prescriptions covered? If you’re on medication, understand how the plan covers it. What tier are your prescription drugs on, and are there any coverage rules that apply to them?
Is there dental coverage? Does the plan offer routine coverage for vision, dental and hearing needs?
Are there extras? Does the plan offer any additional perks, such as fitness memberships, transportation benefits or meal delivery?
You can use Medicare’s plan finding tool to compare plans in your area.
If you have additional questions about Medicare, visit Medicare.gov or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).
Looking for more insurance in Florida? Check out these resources:
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.Centers for Medicare & Medicaid Services. Fact Sheet. Accessed Oct 26, 2026.
- 2.JD Power. Medicare Advantage Plan Members Seek Stronger Patient Advocacy, Care Coordination. Accessed Oct 26, 2026.
Medicare Advantage review methodology
NerdWallet’s Medicare Advantage ratings are based on premiums, out-of-pocket costs, prescription drug coverage, quality data from the Centers for Medicare & Medicaid Services, consumer experience and more. We analyze and calculate ratings for every Medicare Advantage plan sold throughout the U.S. on a curved 5-point scale.
At the national level, we calculate ratings for companies as the average of their plans’ scores, weighted by enrollment.
NerdWallet’s editorial team analyzed companies covering about 87% of all Medicare Advantage beneficiaries in the United States. We reviewed 23 Medicare Advantage brands, with some insurance companies having more than one brand under their umbrella. (For example, Blue Cross Blue Shield includes the brands Anthem and Highmark.)
The Medicare Advantage marketplace is concentrated among just a handful of companies. In many places, one company serves more than half of the market. At the national level, NerdWallet’s reviews include each of the 10 largest brands by enrollment.
We research and analyze all commercial Medicare Advantage plans and publish reviews for selected companies. At the state level, we review at least one major insurer in every state where Medicare Advantage plans are sold, and we review both of the top two insurers in 40 of those 49 states. (Alaska doesn't offer Medicare Advantage plans.) We also look at online search volume to identify regional and other notable players in the space.
These reviews are a guide, but we encourage you to shop around and compare several plans to find the best coverage and rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for Medicare Advantage.
This roundup includes only insurers that sell Medicare Advantage in Florida.