More than 5 million people in Florida are signed up for Medicare, making it the second-largest state for Medicare beneficiaries.
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.
45+ Medicare companies and brands analyzed by our team of experts.
30+ years of combined experience covering Medicare and personal finance.
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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 | CMS star rating | States available | Members in high-rated plans | Member experience | Learn more | |
|---|---|---|---|---|---|---|
BEST FOR SIZE OF NETWORK | ||||||
 (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 4.11 | 4.11/5 | 48 states and Washington, D.C. | Medium (50% to 84%) | 3.74 (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 MAJOR COMPANY | ||||||
 (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 3.79 | 3.79/5 | 46 states and Washington, D.C. | Low (49% or less) | 3.82 (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 GOVERNMENT RATINGS | ||||||
 (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on http://askchapter.org on NerdWallet | 4.20 | 4.20/5 | 43 states and Washington, D.C. | Medium (50% to 84%) | 3.89 (Above average) | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on http://askchapter.org on NerdWallet |
BEST FOR LOW-COST PLAN AVAILABILITY | ||||||
 (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 3.76 | 3.76/5 | 29 states and Washington, D.C. | Medium (50% to 84%) | 3.96 (Above 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 Medicare Advantage plans to compare premiums, out-of-pocket costs, prescription drug coverage, quality ratings from the Centers for Medicare & Medicaid Services (CMS), customer satisfaction and more.
Here are the companies that came out on top with plans available in the state:
CarePlus Health Plans
CarePlus Health Plans offers Medicare Advantage plans that get very strong quality ratings from CMS. All CarePlus plans have $0 premiums, and nearly all plans have prescription drug coverage with lower out-of-pocket costs. The company only offers health maintenance organization (HMO) plans, however, which can have more provider network restrictions than other plan types.
Humana
Humana is NerdWallet’s pick as the best major Medicare Advantage company. Humana Medicare Advantage plans are widely available with low premiums and competitive drug costs. Many Humana plans also offer a Part B Giveback that covers some portion of your Medicare Part B premiums. Its quality ratings from CMS could be better, however.
» MORE: Humana Medicare Advantage review
Aetna
Aetna makes NerdWallet’s list of the top Medicare Advantage companies as the best for government ratings. It gets the highest CMS quality ratings among large companies with near-nationwide availability. Aetna makes $0-premium plans available to most Medicare members, but it doesn’t have the best customer satisfaction, and some competitors have lower caps on out-of-pocket costs.
» MORE: Aetna Medicare Advantage review
Florida Blue
Florida Blue Medicare Advantage plans score well on measures of member experience, and nearly all plans have $0 premiums. The company offers PPO plans, which might offer flexibility to see a wider range of medical providers. Its overall government quality ratings come in below average, however, and plans with premiums are pretty pricey.
HealthSpring
HealthSpring (formerly Cigna) is NerdWallet's pick as the best Medicare Advantage company for low-cost plan availability. HealthSpring has both the highest percentage of $0-premium plans and the lowest average monthly premium among major companies. While its CMS quality ratings are below average, the majority of its members are in highly rated plans. Departing members report more problems than average with coverage of doctors and hospitals, however.
UnitedHealthcare
UnitedHealthcare stands out for its large network of providers and hospitals and is included on our list of the best Medicare Advantage companies. Its plans, which are sometimes co-branded with AARP, are available with $0 premiums in 46 states. However, UHC doesn’t always score well on customer experience surveys.
» MORE: Best Medicare Advantage plans
What to know about Medicare Advantage in Florida
About 1 in 5 people in the state are 65 or older, and there are a variety of Medicare Advantage plans in Florida.
The average monthly premium in 2026 for a Medicare Advantage plan in Florida is $2.11 (down from $4.09 in 2025).
There are 611 Medicare Advantage plans available in Florida in 2026 (up from 592 plans in 2025).
All Medicare-eligible people in Florida have access to a $0-premium Medicare Advantage plan.
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 providers scored above the regional average (623 points) on measures of member satisfaction (based on a 1,000-point scale):
Freedom Health (670 points).
Humana (640 points).
Wellcare (623 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.
More Nerdy Perspective
What Medicare Advantage plans are rated the best in Florida?
CarePlus is the highest-rated Medicare Advantage company in Florida, earning 5 out of 5 stars in NerdWallet’s data-backed analysis. Humana, Aetna, Florida Blue, HealthSpring and UHC all earned at least 4 stars, making them a worthy choice for Floridians as well. However, not every plan from these companies gets high ratings. And a high rating alone doesn’t make a plan the right fit for you. Think about your coverage needs, doctors and prescriptions when you compare your options.
CarePlus is the highest-rated Medicare Advantage company in Florida, earning 5 out of 5 stars in NerdWallet’s data-backed analysis. Humana, Aetna, Florida Blue, HealthSpring and UHC all earned at least 4 stars, making them a worthy choice for Floridians as well. However, not every plan from these companies gets high ratings. And a high rating alone doesn’t make a plan the right fit for you. Think about your coverage needs, doctors and prescriptions when you compare your options.
Elizabeth Aldrichlead writer covering MedicareHow 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 May 4, 2026.
- 2.U.S. Census Bureau. Types of Health Insurance Coverage by Age. Accessed May 4, 2026.
- 3.JD Power. Medicare Advantage Plan Member Satisfaction Facing Headwinds; Digital Innovation an Emerging New Solution, J.D. Power Finds. Accessed May 4, 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 calculate each health insurance company’s rating on a curved 5-point scale.
NerdWallet’s editorial team analyzed companies covering about 87% of all Medicare Advantage beneficiaries in the United States. We reviewed 25 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.
At the state level, our research includes at least one major insurer in every state where Medicare Advantage plans are sold, and includes 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 for additional information.
This roundup includes only insurers that sell Medicare Advantage in Florida.