Best Medicare Advantage Plans In Florida For 2024

Fact Checked

Alena Hall Editor
Commissions we earn from partner links on this page do not affect our opinions or evaluations. Our editorial content is based on thorough research and guidance from the Forbes Health Advisory Board.

If you’re considering enrolling in a Medicare Advantage plan (also known as Medicare Part C) in Florida to meet your health insurance needs, you’re not alone.

According to recent U.S. Census Bureau data estimates, approximately 4.8 million people ages 65 and older live in Florida, accounting for nearly 22% of the state’s total population[1]. Considering that Florida’s average life expectancy is just under 78 years, maintaining health insurance coverage after retirement is essential for both physical and financial well-being[2].

If you’re looking for the best Medicare Advantage plan to meet your specific needs, Forbes Health is here to assist with your search. Using the snapshot of your state’s market below, you can gain a better understanding of how many plan options you have, who the providers tend to be and how much you can expect to pay each month for a plan. You can also download our checklist of easy-to-follow steps for a streamlined Medicare Advantage enrollment experience

Medicare Advantage Plans in Florida

Since Medicare Advantage plan eligibility is largely dependent on where you live, we gathered data specific to an urban, suburban and rural location in Florida to show how plan availability, monthly premium rates and in-network maximum out-of-pocket amounts can vary.

Duval CountyHillsborough CountyWalton County
Number of residents enrolled in a plan*92,354 156,554 7,452
Number of plan contracts available*259 287 169
Number of plan contracts utilized***38 44 20
Number of health insurance companies providing plans**14167
Health insurance companies providing plans**

Aetna Medicare

Alignment Health Plan

CarePlus Health Plans Inc.

Cigna

Devoted Health

Florida Blue

Florida Blue HMO

Gold Kidney Health Plan

Humana

Simply Healthcare Plans, Inc.

UnitedHealthcare

Wellcare by Allwell

Wellcare

Aetna Medicare

BayCare Health Plans

CarePlus Health Plans Inc.

Cigna

Devoted Health

Florida Blue

Florida Blue HMO

Freedom Health, Inc.

Humana

Optimum HealthCare Inc.

Simply Healthcare Plans, Inc.

Solis Health Plans

Ultimate Health Plans

UnitedHealthcare

Wellcare

Cigna

Florida Blue

Florida Blue HMO

Humana

UnitedHealthcare

Wellcare

Wellcare by Allwell

Average monthly premium of these plans**$10.97 $9.63 $12.59
Average monthly out-of-pocket maximum of these plans**$4,695.08 $4,087.30 $5,450.00

Source: Centers for Medicare and Medicaid Services (CMS)

*Data from September 2023

**Data from October 2023

***Plans with less than 10 enrollees are excluded from this data point by CMS

****State averages based on data points for three presented counties

Medicare Advantage Providers in Florida

Twenty-five private health insurance providers offer Medicare Advantage plans in the state of Florida, including:

  • Aetna Medicare
  • Alignment Health Plan
  • AvMed Medicare
  • BayCare Health Plans
  • Capital Health Plan
  • CarePlus Health Plans, Inc.
  • Cigna
  • Devoted Health
  • Doctors HealthCare Plans, Inc.
  • Florida Blue
  • Florida Blue HMO
  • Freedom Health, Inc.
  • Gold Kidney Health Plan
  • Health First Health Plans, Inc.
  • HealthSun Health Plans, Inc.
  • Humana
  • Leon Health Plans
  • Optimum HealthCare, Inc.
  • Prominence Health Plan
  • Simply Healthcare Plans, Inc.
  • Solis Health Plans
  • Ultimate Health Plans
  • UnitedHealthcare
  • Wellcare
  • Wellcare by Allwell

Plan availability varies by ZIP code, so not all providers listed above offer Medicare Advantage plans in every county of Florida.

Top-Rated Medicare Advantage Plans in Florida

Every year CMS rates Medicare Advantage (Part C) and Part D prescription drug plans to reflect the experience of being enrolled in such coverage. The agency uses a scale of one to five stars, with one star representing poor performance and five stars representing excellent performance. The following plans available in the state of Florida in 2024 earned five-star ratings from CMS:

  • Devoted Health
    • Devoted CORE Broward (HMO)
    • Devoted CORE Daytona (HMO)
    • Devoted CORE East Coast Florida (HMO)
    • Devoted CORE Jacksonville (HMO)
    • Devoted CORE Manatee (HMO)
    • Devoted CORE Miami-Dade (HMO)
    • Devoted CORE North Florida (HMO)
    • Devoted CORE Orlando (HMO)
    • Devoted CORE Palm Beach (HMO)
    • Devoted CORE Tampa (HMO)
    • Devoted ESSENTIALS Broward (HMO)
    • Devoted ESSENTIALS Daytona (HMO)
    • Devoted ESSENTIALS East Coast Florida (HMO)
    • Devoted ESSENTIALS Jacksonville (HMO)
    • Devoted ESSENTIALS Manatee (HMO)
    • Devoted ESSENTIALS Miami-Dade (HMO)
    • Devoted ESSENTIALS North Florida (HMO)
    • Devoted ESSENTIALS Orlando (HMO)
    • Devoted ESSENTIALS Palm Beach (HMO)
    • Devoted ESSENTIALS Tampa (HMO)
    • Devoted PREMIUM Florida (HMO)
  • Humana
    • Humana Community (HMO)
    • Humana Gold Plus H1036-025 (HMO)
    • Humana Gold Plus H1036-044 (HMO)
    • Humana Gold Plus H1036-054C (HMO)
    • Humana Gold Plus H1036-062C (HMO)
    • Humana Gold Plus H1036-065C (HMO)
    • Humana Gold Plus H1036-068 (HMO)
    • Humana Gold Plus H1036-074 (HMO)
    • Humana Gold Plus H1036-143 (HMO)
    • Humana Gold Plus H1036-146 (HMO)
    • Humana Gold Plus H1036-157 (HMO)
    • Humana Gold Plus H1036-217 (HMO)
    • Humana Gold Plus H1036-229 (HMO)
    • Humana Gold Plus H1036-230 (HMO)
    • Humana Gold Plus H1036-265 (HMO)
    • Humana Gold Plus H1036-266 (HMO)
    • Humana Gold Plus H1036-269 (HMO)
    • Humana Gold Plus H1036-270 (HMO)
    • Humana Gold Plus H1036-271 (HMO)
    • Humana Gold Plus H1036-278 (HMO)
    • Humana Gold Plus H1036-286 (HMO)
    • Humana Gold Plus H1036-305 (HMO)
    • Humana USAA Honor (HMO)
  • Leon Health Plans
    • Leon MediExtra (HMO)
    • Leon MediMore (HMO)
  • Optimum HealthCare, Inc.
    • Optimum Gold Plan (HMO)
    • Optimum Gold Plus Plan (HMO)
    • Optimum Gold Rewards Plan (HMO)
    • Optimum Platinum Plan (HMO)
  • Simply Healthcare Plans, Inc.
    • Simply Extra (HMO)
    • Simply Extra Platinum (HMO)
    • Simply More (HMO)
    • Simply More Platinum (HMO)
  • UnitedHealthcare
    • Erickson Advantage Freedom (HMO-POS)
    • Erickson Advantage Liberty (HMO-POS)
    • Erickson Advantage Liberty no Rx (HMO-POS)
    • Erickson Advantage Signature (HMO-POS)
    • UHC MedicareMax Medicare Advantage FL-0028 (HMO)
    • UHC MedicareMax Medicare Advantage FL-0029 (HMO)

To determine which of these plans might be available in your area, enter your ZIP code in Medicare.gov’s plan finder tool. The tool also displays each plan’s rating from CMS.

Medicare Resources in Florida

If you live in Florida and are looking for additional information about Medicare plans available and assistance with selecting the best coverage for your health care needs and budget, here are a few resources to help you get started.

  • Serving Health Insurance Needs of Elders (SHINE): This free program from Florida’s Department of Elder Affairs in partnership with local Area Agencies on Aging can connect you with specially trained counselors throughout the state who are knowledgeable about Medicare, Medicaid and other health insurance options that may be available to you.
  • Florida Office of Insurance Regulation: The goal of this office is to promote a competitive insurance market while protecting the interests of those buying insurance, helping them avoid scams and make wise purchasing decisions.
  • Senior Resource Alliance: This nonprofit serves older adults in Brevard, Orange, Osceola and Seminole counties specifically, providing people with information on Medicare and available assistance, among other services.

While not exclusive to the state of Florida, Medicare.gov and CMS’s website are two more excellent tools for learning about the various components of Medicare coverage. You can also search for plans available in your ZIP code and compare options via Medicare.gov’s plan finder tool.

Confused About Medicare Advantage Insurance Options?

Click Get A Quote or call 888-349-0361 to speak with a licensed insurance agent (TTY 711, Mon-Sun 8 am - 11 pm EST).

Get A Quote

On Medicare Enrollment's Website

How to Find the Best Medicare Advantage Plan in Florida for 2024

With that snapshot of your state’s Medicare Advantage coverage in mind, it’s time to consider the details involved in identifying the best plan for you, from in-network hospitals and providers to drug formularies and deductibles. For those approaching the age of 65, navigating another qualifying event or reviewing plan options ahead of the Medicare Advantage Open Enrollment period (which runs from January 1 to March 31 annually), we created the downloadable checklist below to simplify your enrollment experience.

How to Pick the Best Medicare Advantage Plan in Florida

HealthCompare Insurance Services does not offer every plan available in your area. Currently it represents 18 organizations, which offers 52,101 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

HealthCompare Insurance Services represents Medicare Advantage HMO, PPO, and PFFS organizations and stand-alone PDP prescription drug plans that are contracted with Medicare. Enrollment depends on the plan’s contract renewal. 

Frequently Asked Questions (FAQs)

What is Medicare Advantage?

Medicare Advantage (Medicare Part C) is a type of health insurance provided by private insurance companies to U.S. adults ages 65 and up, as well as younger individuals with certain disabilities and health conditions. The federal government pays a flat fee per enrollee to the insurance companies, which then provide the core benefits of Original Medicare, payment to care providers and oftentimes additional benefits.

What is the difference between Medicare Advantage and Original Medicare?

Medicare Advantage covers everything included in Original Medicare (Part A and Part B), but most Medicare Advantage plans also include prescription drug coverage (Part D), and some plans provide dental and vision coverage and hearing aids and fitness benefits as well. These additional coverages and benefits vary by plan. While there are several distinctions between Original Medicare and Medicare Advantage, one noteworthy difference is people enrolled in a Medicare Advantage plan are responsible for paying both the monthly premium associated with Original Medicare Part B ($174.70 for most people in 2024) and the monthly premium associated with their Medicare Advantage (Part C) plan, which is described in the data above.

What additional coverage do I need alongside a Medicare Advantage plan?

It depends on the Medicare Advantage plan you pick. Some plans provide an extensive list of additional benefits, including (but not limited to) dental, vision, hearing health, prescriptions, over-the-counter, transportation, fitness memberships and more. However, if you enroll in a less comprehensive plan, you might need to seek additional coverage for a desired benefit your plan is missing.

Sources

Footnotes

Next Up In Medicare

Information provided on Forbes Health is for educational purposes only. Your health and wellness is unique to you, and the products and services we review may not be right for your circumstances. We do not offer individual medical advice, diagnosis or treatment plans. For personal advice, please consult with a medical professional.

Forbes Health adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved or otherwise endorsed by our advertisers.