Medicare Advantage Plans in Florida 2026
Last reviewed: June 2026 · Data sourced from CMS.gov
Florida leads the country in Medicare Advantage penetration, with roughly two-thirds of all Medicare beneficiaries in private plans. The state's large retiree population and year-round mild climate have made it the most competitive MA market in the country. Miami-Dade, Broward, and Palm Beach counties each offer 50 or more plan options annually.
Plan availability varies by county. Enter your ZIP code to see the exact plans, premiums, and coverage available where you live in Florida.
What to Look for in a Florida Medicare Advantage Plan
- ✓ Whether your current doctors and specialists are in-network
- ✓ Drug formulary — does it cover your prescriptions at a reasonable cost?
- ✓ Monthly premium and annual out-of-pocket maximum
- ✓ Extra benefits: dental, vision, hearing, fitness programs
- ✓ Star rating — CMS rates plans from 1 to 5 stars based on quality and member experience
- ✓ HMO vs. PPO — HMOs require referrals and restrict out-of-network care; PPOs are more flexible
2026 Medicare Advantage Costs in Florida
| Cost | Typical Range |
|---|---|
| Monthly premium | $0 to $50 (many plans at $0) |
| Annual out-of-pocket maximum | Up to $9,350 in-network (2026 CMS limit) |
| Primary care visit copay | $0 to $20 typical |
| Specialist visit copay | $20 to $50 typical |
| Inpatient hospital stay | $250 to $350/day for first few days (varies by plan) |
| Part B premium (always required) | $202.90/month standard (2026) |
Medicare Advantage vs. Medigap in Florida
Florida's Medigap market is substantial despite high Advantage penetration. Residents who travel, own second homes in other states, or see out-of-network specialists frequently often choose Medigap for its nationwide coverage and predictable costs.