The best Medicare Advantage providers in Florida balance affordable monthly premiums with good benefits and manageable out-of-pocket limits. Based on plan availability, CMS Star Ratings and overall cost structure, the insurers below offer the best options across HMO, HMO-POS and PPO plan types.
Best Medicare Advantage Plans in Florida (2026)
Updated: January 22, 2026
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Key Takeaways
Florida has 183 Medicare Advantage plans from 19 providers across HMO, HMO-POS, PPO and Regional PPO plan types. While most plans feature $0 monthly premiums, costs can reach as high as $184 depending on the plan structure and insurer.
UnitedHealthcare has the best Medicare Advantage HMO options in Florida, while CarePlus Health Plans, Inc. has the best HMO-POS plans and Aetna has the best PPO coverage.
When comparing Medicare Advantage providers, consider which doctors you want to keep, the medications you take and how much you’re willing to spend out of pocket.
Best Medicare Advantage Providers in Florida
| HMO | UnitedHealthcare | 4.50 | $0 | $3,067 | UHC Preferred Medicare Advantage FL-002P (HMO) |
| HMO-POS | CarePlus Health Plans, Inc. | 4.50 | $0 | $2,700 | CareOne Plus (HMO-POS) |
| PPO | Aetna | 4.50 | $9 | $6,480 | Aetna Medicare Signature (PPO) |
Medicare Advantage Plans for Florida Residents
Medicare Advantage plans offer an alternative to Original Medicare by bundling hospital and medical coverage through private insurers. These plans include extra benefits like dental, vision, and prescription drug coverage that aren't available with traditional Medicare.
- CMS Star Ratings: Medicare scores plans from 1 to 5 stars based on quality of care and customer satisfaction. Higher ratings signal better overall performance and member experience.
- Monthly premiums: You'll pay your Part B premium plus any plan-specific costs, though many Medicare Advantage plans charge $0 in additional monthly fees.
- Maximum out-of-pocket (MOOP) limits: This annual cap protects you from unlimited medical expenses. Once you hit this limit, your plan covers all remaining costs for the year.
- Prescription drug coverage: Most Medicare Advantage plans include Part D medication benefits. Check if your current prescriptions are covered and understand any usage restrictions or copay tiers.
UnitedHealthcare
Best HMO
MoneyGeek Rating
4.8/ 5
4.9/5Affordability
4.5/5Quality
5/5Availability
CMS Star Rating
4.5Plan Types
HMO, HMO-POS, PPO, Regional PPO
CarePlus Health Plans
Best HMO-POS
MoneyGeek Rating
4.7/ 5
5/5Affordability
5/5Quality
2.5/5Availability
CMS Star Rating
4.5Plan Types
HMO-POS, HMO
Aetna Medicare
Best PPO
MoneyGeek Rating
4.8/ 5
4.7/5Affordability
5/5Quality
4.7/5Availability
CMS Star Rating
4.5Plan Types
PPO, HMO, HMO-POS
Best Florida HMO Medicare Advantage Providers
Most Medicare Advantage HMO plans in Florida are highly affordable, with 108 of 114 plans charging $0 monthly premiums. Overall, Florida offers 114 HMO plans from 19 providers, with out-of-pocket maximums ranging from $500 to $9,250 and averaging $3,930 per year. Plan quality is also strong, reflected in an average 4.53-star CMS rating, with 110 plans earning 4 stars or higher. Enhanced Part D prescription drug coverage is included across all plans.
- UnitedHealthcare is the best HMO provider in the state, offering five HMO plans with $0 monthly premiums, a consistent 4.5-star rating, and an average MOOP of $3,067.
- Humana provides the widest selection with 22 HMO plans, all priced at $0 monthly, earning 4.5 stars on average and carrying $3,166 in average out-of-pocket limits.
| UnitedHealthcare | 4.50 | $0 | $3,067 | 5 | 4.75 |
| Humana | 4.50 | $0 | $3,166 | 22 | 4.73 |
| Aetna | 4.50 | $0 | $3,741 | 2 | 4.60 |
| Optimum HealthCare, Inc. | 4.50 | $0 | $2,633 | 4 | 4.44 |
| CarePlus Health Plans, Inc. | 4.50 | $0 | $3,519 | 7 | 4.41 |
| Devoted Health | 5.00 | $0 | $4,376 | 33 | 4.37 |
| HealthSun Health Plans, Inc. | 4.50 | $0 | $3,088 | 3 | 4.33 |
| Freedom Health, Inc. | 4.50 | $0 | $3,103 | 3 | 4.32 |
| Ultimate Health Plans | 4.00 | $0 | $2,363 | 1 | 4.30 |
| Simply Healthcare Plans, Inc. | 4.50 | $0 | $3,372 | 4 | 4.26 |
HMO PROS AND CONS
HMO Medicare Advantage plans require you to stay within a specific provider network and get referrals from your primary care doctor before seeing specialists. While these restrictions limit your flexibility, you'll benefit from lower premiums, reduced out-of-pocket costs and coordinated care that keeps your health care organized.
Best Florida HMO-POS Medicare Advantage Providers
Out-of-network access is the key advantage of HMO-POS plans, and Florida’s 32 options from six providers offer a strong balance of flexibility and cost control. Most plans charge $0 monthly premiums, though the average premium is $13 due to the added network freedom. Annual out-of-pocket maximums range from $2,000 to $6,750, with a $4,360 average, providing added protection for members who occasionally need care outside the network. All HMO-POS plans in the state include enhanced Part D prescription drug coverage and maintain a solid average CMS rating of 4.48 stars.
- CarePlus Health Plans, Inc. leads Florida’s HMO-POS market with three $0-premium plans, a low $2,700 average MOOP, and strong 4.5-star CMS ratings.
- Freedom Health, Inc. ranks second with a single 4.5-star plan that charges $0 monthly and caps annual out-of-pocket costs at $2,800.
- UnitedHealthcare offers the widest selection, with 23 HMO-POS plans averaging $2 per month, earning an average of 4.51 stars, and carrying $4,518 average MOOP limits.
| CarePlus Health Plans, Inc. | 4.50 | $0 | $2,700 | 3 | 5.00 |
| Freedom Health, Inc. | 4.50 | $0 | $2,800 | 1 | 4.89 |
| UnitedHealthcare | 4.51 | $2 | $4,518 | 23 | 4.69 |
| Aetna | 4.50 | $0 | $6,750 | 1 | 4.47 |
| Health First Health Plans, Inc. | 4.00 | $0 | $4,560 | 3 | 3.97 |
| Blue Cross Blue Shield | 4.00 | $49 | $6,750 | 1 | 3.40 |
HMO-POS PROS AND CONS
If you want coordinated, affordable care but occasionally need to see doctors outside your network, HMO-POS plans might work well for you. These hybrid plans keep most cost benefits of standard HMOs while letting you access out-of-network providers when necessary, though you'll pay more for that flexibility. They're useful for Florida residents who travel often or need to see specialists.
Best Florida PPO Medicare Advantage Providers
PPO plans provide greater flexibility than other Medicare Advantage types, allowing members to see any Medicare-approved provider, but Florida’s 34 options across five providers generally come with higher costs. While 29 plans charge $0 monthly premiums and the average premium is just $9, out-of-pocket maximums average $6,076 and range from $2,500 to $9,250 due to the added cost of out-of-network care. These plans average 3.96 stars, with most (13 plans) earning 3.5 stars. Though PPOs often score slightly lower on customer satisfaction than more restrictive options, they offer unmatched freedom in choosing doctors and hospitals. All plans include enhanced Part D prescription coverage, including waived deductibles on select drug tiers.
- Aetna leads Florida’s PPO market with a 4.5-star CMS rating, $9 monthly premiums, and $6,480 average MOOP.
- UnitedHealthcare offers 10 PPO plans with $0 premiums and a 4.0-star rating, though average out-of-pocket costs are slightly higher at $6,430.
- Humana provides the widest selection with 16 plans averaging $5 per month, $6,251 MOOP, and an average 3.84-star CMS rating.
| Aetna | 4.50 | $9 | $6,480 | 3 | 4.81 |
| UnitedHealthcare | 4.00 | $0 | $6,430 | 10 | 4.64 |
| Humana | 3.84 | $5 | $6,251 | 16 | 4.53 |
| Devoted Health | 4.50 | $0 | $8,592 | 3 | 4.25 |
| Blue Cross Blue Shield | 3.50 | $54 | $7,451 | 2 | 3.54 |
PPO PROS AND CONS
PPO Medicare Advantage plans cost more than HMO options through higher monthly premiums and out-of-pocket maximums. You can choose any Medicare provider without referrals and access both in-network and out-of-network care. These plans work best if you travel regularly, have established doctor relationships you want to maintain, or prefer direct specialist access without waiting for authorization.
How to Find the Best Florida Medicare Advantage Plans
The best Medicare Advantage plan in Florida depends on key considerations beyond monthly premiums.
- 1Check Your Doctor and Hospital Network
Confirm that your current doctors, specialists and preferred hospitals in Florida participate in the plan's network. HMO plans restrict you to in-network providers except for emergencies, while PPO plans allow out-of-network access at higher costs. Learn more about health insurance network types to understand these differences.
- 2Compare Maximum Out-of-Pocket Costs
Don't focus solely on monthly premiums when evaluating Medicare Advantage plans. The maximum out-of-pocket limit represents your total potential spending for covered services each year. A plan with a $0 premium but $7,833 MOOP could cost more than one with a $29 premium and $6,750 MOOP if you need regular medical care throughout the year.
- 3Review Prescription Drug Coverage
Check whether your current medications appear on each plan's drug formulary and understand their tier placement, which directly affects your costs. Most Medicare Advantage plans in Florida include Part D prescription drug coverage, though some require you to purchase it separately.
- 4Evaluate Additional Benefits
Medicare Advantage plans often provide extra benefits, such as dental care, vision services, hearing aids, fitness memberships and transportation to medical appointments. These supplemental benefits vary among Florida plans.
- 5Consider CMS Star Ratings
Review each plan's CMS star rating, which measures quality and performance on a scale of one to five stars. Plans earning four or five stars offer better customer service, care coordination and health outcomes.
Average Florida Medicare Advantage Cost
Florida's Medicare Advantage costs depend on plan type and provider. Plans with restricted networks keep premiums lower than those offering broader provider access.
HMO plans offer the most affordable option with $0 median premiums and $3,930 average maximum out-of-pocket costs. HMO-POS plans add greater provider flexibility with a higher $13 average monthly premium and $4,361 MOOP. PPO plans cost $10 monthly on average with higher $6,077 out-of-pocket limits for even broader network access. Regional PPO plans cost the most at a $96 average premium and $7,833 MOOP.
| HMO | $0 | $2 | $3,930 |
| HMO-POS | $0 | $13 | $4,361 |
| PPO | $0 | $10 | $6,077 |
| Regional PPO | $62 | $96 | $7,833 |
Best Florida Medicare Advantage: FAQ
Get answers about Florida Medicare Advantage plans:
When can I enroll in a Medicare Advantage plan in Florida?
In Florida, enrollment occurs during the Annual Enrollment Period (Oct. 15 to Dec. 7) or the Medicare Advantage Open Enrollment Period (Jan. 1 to March 31). You may also enroll during a Special Enrollment Period if you qualify due to circumstances like relocating or losing other coverage.
Does Medicare Advantage cover prescription drugs in Florida?
Yes, most Medicare Advantage plans in Florida provide prescription drug coverage as part of their benefits package. Before enrolling, confirm your medications appear on the plan's formulary and review their tier levels, which directly impact your out-of-pocket costs at the pharmacy.
Do I need to change Medicare Advantage plans if I move to a different county in Florida?
You may need to switch plans since Medicare Advantage networks vary by county in Florida. Notify your current plan within 30 days of your move to understand your options. You'll qualify for a Special Enrollment Period, allowing you to select a new plan that serves your new area.
Our Methodology: How We Chose the Best Florida Medicare Advantage Plans
We assessed Medicare Advantage plans in Florida using three core criteria:
- Affordability (50%): Costs comprise half the total score due to their immediate effect on your spending. We analyzed combined monthly premiums for Part C and Part D coverage (weighted at 30%) and in-network maximum out-of-pocket limits (weighted at 20%). Plans with lower premiums and MOOP thresholds score higher by reducing annual health care expenses.
- Star Ratings (40%): CMS star ratings evaluate plan performance in care quality, customer service and member experience. The Overall Star Rating merges Part C (medical benefits) and Part D (prescription drug coverage) scores into one rating on a 1 to 5-star scale. Higher-rated plans score better in our evaluation.
- Availability (10%): We consider each insurer's coverage area across the United States. Providers serving more states score higher, as broader availability indicates more robust infrastructure, better support and better continuity if you relocate.
These factors create a fair comparison of Medicare Advantage plans, weighing costs against care quality and service.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.