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.
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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 | ||||||
4.10 | 4.10/5 | 48 states and Washington, D.C. | Medium (50% to 84%) | 3.76 (Above average) | (855) 821-0556 / TTY 711 Call UnitedHealthcarefrom UnitedHealthcare | |
BEST FOR PART B GIVEBACK | ||||||
3.61 | 3.61/5 | 46 states and Washington, D.C. | Low (49% or less) | 3.61 (Above average) | from Humana | |
BEST FOR 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 | 4.19 | 4.19/5 | 43 states and Washington, D.C. | Medium (50% to 84%) | 3.88 (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 | 3.68 | 3.68/5 | 29 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 askchapter.orgon NerdWallet |
Top-rated Medicare Advantage plans in Florida
Each year, the Centers for Medicare & Medicaid Services (CMS) awards every Medicare Advantage plan a star rating on a scale of 1 to 5, with 5 being a top-rated plan. Below are providers with at least one plan that received top marks in Florida for the 2026 plan year. (Check out more information about Medicare star ratings.)
5-star plan providers
The companies below offer plans in Florida that are rated 5 stars out of 5 by CMS:
Leon Health.
4.5-star plan providers
The companies below offer plans in Florida that are rated 4.5 stars out of 5 by CMS:
Capital Health Plan.
Devoted Health.
Freedom Health.
HealthSun Health Plans.
Optimum HealthCare.
Simply Healthcare Plans.
UnitedHealthcare.
4-star plan providers
The companies below offer plans in Florida that are rated 4 stars out of 5 by CMS:
BayCare Health Plans.
Doctors HealthCare Plans.
Health First Health Plans.
Ultimate Health Plans.
UnitedHealthcare.
This list doesn’t include special needs plans, which restrict membership to people with certain diseases or characteristics, such as having a chronic illness or living in a nursing home.
- See all Medicare Advantage providers in Florida.
Aetna.
BayCare Health Plans.
Capital Health Plan.
CarePlus Health Plans.
Devoted Health.
Doctors HealthCare Plans.
Florida Blue.
Freedom Health.
Health First Health Plans.
HealthSun Health Plans.
Humana.
Leon Health.
Optimum HealthCare.
Prominence Health Plan.
Simply Healthcare Plans.
Solis Health Plans.
Ultimate Health Plans.
UnitedHealthcare.
Wellcare.
» 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
J.D. 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
You can find 5-star plans in Florida from Devoted Health, Leon Health and UHC. There are also several plans with 4.5 stars and 4 stars available in Florida. 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.
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:
Article sources
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 20, 2025.
- 2.Centers for Medicare & Medicaid Services. CY2026 Landscape (202509) (ZIP). Accessed Oct 20, 2025.
- 3.U.S. Census Bureau. Types of Health Insurance Coverage by Age. Accessed Oct 21, 2025.
- 4.J.D. Power. Medicare Advantage Plan Member Satisfaction Facing Headwinds; Digital Innovation an Emerging New Solution, J.D. Power Finds. Accessed Oct 20, 2025.
Medicare Advantage review methodology
The Medicare Advantage marketplace is concentrated among just a handful of companies; in many places, one insurer serves more than half of the market. NerdWallet reviewed 26 Medicare Advantage brands, with some insurers having more than one brand under their umbrella. (For example, Blue Cross Blue Shield includes the brands Anthem and Highmark.) At the national level, these reviews include nine of the 10 largest brands by enrollment. At the state level, our research includes at least one major insurer in 47 of the 49 states that offer Medicare Advantage plans, and includes the top two insurers in 35 of those 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.
NerdWallet’s Medicare Advantage reviews are based on ratings data from the Centers for Medicare & Medicaid Services, as well as pricing, plan availability by state, plan types available, consumer experience, extra benefits offered and more. 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.