UnitedHealthcare, CarePlus Health Plans and Aetna lead Florida's Medicare Advantage providers in 2026, each earning 4.5-star CMS ratings across their primary plan types.
Best Medicare Advantage Plans in Florida (2026)
Updated: June 17, 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. Most plans charge $0 per month, though premiums reach $184 on some plans depending on plan type and insurer.
UnitedHealthcare has the best Medicare Advantage HMO options in Florida. CarePlus Health Plans, Inc. leads for HMO-POS plans and Aetna leads for PPO coverage.
Check which doctors and hospitals are in the plan's network, confirm your medications are on the formulary, and compare annual out-of-pocket maximums alongside monthly premiums.
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) |
All three top-rated providers earn 4.5-star CMS ratings, yet choosing Aetna's PPO over UnitedHealthcare's HMO adds $3,413 per year in maximum out-of-pocket exposure ($6,480 vs $3,067) before the premium difference even enters the calculation.
Medicare Advantage Plans for Florida Residents
Medicare Advantage plans bundle hospital and medical coverage through private insurers as an alternative to Original Medicare. Most plans also include dental and vision coverage that traditional Medicare doesn't offer, plus Part D prescription drug benefits.
- CMS Star Ratings: Medicare scores plans from 1 to 5 stars based on quality of care and customer satisfaction. Higher ratings reflect 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 reach it, your plan covers all remaining costs for the year.
- Prescription drug coverage: Most Medicare Advantage plans include Part D medication benefits. Check whether your current prescriptions are covered and review any usage restrictions or copay tiers before enrolling.
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
Florida offers 114 HMO Medicare Advantage plans from 19 providers for 2026. Of those 114 plans, 108 charge $0. Out-of-pocket maximums average $3,930 per year and range from $500 to $9,250.
Plan quality is high across the field: 110 of 114 plans earn 4 stars or higher, with an average CMS rating of 4.53 stars. Every plan includes enhanced Part D prescription drug coverage.
UnitedHealthcare ranks first in MoneyGeek's analysis with the highest MoneyGeek score (4.75/5) and a $3,067 average MOOP, $863 below the field average of $3,930. Humana offers the widest selection with 22 plans, all at $0 a month and averaging $3,166 in annual out-of-pocket costs.
- UnitedHealthcare is the best HMO provider in the state. Its five HMO plans charge $0 monthly premiums, earn a consistent 4.5-star rating and average a $3,067 MOOP.
- Humana provides the widest selection with 22 HMO plans. All are priced at $0 monthly, average 4.5 CMS stars and carry $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 | 4.6 |
| 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 | 4.3 |
| Simply Healthcare Plans, Inc. | 4.50 | $0 | $3,372 | 4 | 4.26 |
Devoted Health earns a 5/5 CMS rating, the highest of any Florida HMO provider but ranks only sixth in our overall scoring because its average MOOP of $4,376 is $1,309 higher than UnitedHealthcare's $3,067.
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. Those restrictions limit flexibility, but you'll get lower premiums, reduced out-of-pocket costs and coordinated care that keeps your health care organized.
Best Florida HMO-POS Medicare Advantage Providers
Florida's 32 HMO-POS options from six providers average $13 per month in premiums, with most charging $0. Annual out-of-pocket maximums range from $2,000 to $6,750, averaging $4,361. That cap limits annual out-of-pocket exposure for members who need occasional out-of-network care. All HMO-POS plans in the state include enhanced Part D prescription drug coverage and average a 4.48-star CMS rating.
- CarePlus Health Plans, Inc. ranks first in Florida's HMO-POS market with three $0-premium plans, a $2,700 average MOOP and 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. They average $2 a month in premiums, earn 4.51 CMS stars on average and carry $4,518 in average MOOP limits.
| CarePlus Health Plans, Inc. | 4.50 | $0 | $2,700 | 3 | 5 |
| 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 | 3.4 |
CarePlus's $2,700 average MOOP is $1,818 lower than UnitedHealthcare's $4,518.
HMO-POS PROS AND CONS
HMO-POS plans are the right fit if you want the cost discipline of an HMO with occasional out-of-network access. Florida's 32 HMO-POS plans average $4,361 in annual out-of-pocket maximums, which is $1,716 below the PPO average of $6,077. You'll pay more for out-of-network visits, but the cap on annual costs stays lower than most PPO options. These plans are a practical choice for Florida residents who travel periodically or see out-of-area specialists.
Best Florida PPO Medicare Advantage Providers
Florida's 34 PPO plans from five providers offer any-provider access without referrals, but carry the highest average out-of-pocket costs of any Medicare Advantage type. Premiums average $10 per month, with 29 plans charging $0. Out-of-pocket maximums average $6,077 and range from $2,500 to $9,250. These plans average 3.96 CMS stars, lower than HMO plans in Florida, which average 4.53 stars. All PPO plans include enhanced Part D prescription coverage with waived deductibles on select 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. Average out-of-pocket costs are $6,430, $50 more than Aetna's $6,480 average.
- 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 |
Aetna and UnitedHealthcare together hold 13 of Florida's 34 PPO plans. Devoted's three PPO plans are priced at $0 but carry an average MOOP of $8,592, $2,515 above the PPO average of $6,077. For a member who reaches the annual MOOP ceiling, that gap costs $2,515 more than the PPO average.
PPO PROS AND CONS
PPO plans average $6,077 in annual out-of-pocket maximums, compared to $3,930 for HMO plans, the tradeoff for any-provider access without referrals. Most Florida PPO plans charge $0. PPO plans are the right choice for Florida residents who travel frequently, want to keep doctors outside a local network, or need specialist access without referral delays.
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 your doctors and preferred hospitals are in the plan's network. HMO plans restrict you to in-network providers except for emergencies. PPO plans allow out-of-network access at higher costs.
- 2Compare Maximum Out-of-Pocket Costs
Don't focus solely on monthly premiums. The maximum out-of-pocket limit is 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 care throughout the year.
- 3Review Prescription Drug Coverage
Check whether your current medications appear on each plan's drug formulary and note 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
Many Medicare Advantage plans cover dental and vision care beyond what Original Medicare includes, and some add fitness and transportation benefits. These supplemental benefits vary across Florida plans.
- 5Consider CMS Star Ratings
Each plan's CMS star rating measures quality and performance on a scale of 1 to 5 stars. Plans earning four or five stars offer better customer service and care coordination, with better health results.
Average Florida Medicare Advantage Cost
HMO plans are the most affordable option in Florida, with an average annual out-of-pocket cost of $3,930 and $0 in premiums. 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-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 |
Which Florida Medicare Advantage Plan Should You Choose?
Most Florida Medicare beneficiaries who want the lowest annual costs and don't need out-of-network access will get the best value from a UnitedHealthcare HMO plan. Its five plans average a $3,067 out-of-pocket maximum, $3,010 below the PPO average of $6,077, at $0.
For members with chronic conditions or regular specialist visits, CarePlus Health Plans is the right fit. Its three HMO-POS plans average a $2,700 MOOP, the lowest of any HMO-POS provider we reviewed, with $0 monthly premiums across all three plans.
If you travel frequently or need doctors in multiple states, Aetna PPO plans give you any-provider access without referrals. Aetna PPO plans average $6,480 in annual out-of-pocket maximums, compared to $3,930 for HMO plans.
WHAT TO KNOW ABOUT MEDICARE ADVANTAGE IN FLORIDA
Florida is one of the most active Medicare Advantage markets in the U.S., with more than 5.1 million residents enrolled in Medicare and over 60% of them in a Medicare Advantage plan, per CMS data.
- There are 611 Medicare Advantage plans in Florida for 2026, up from 592 plans in 2025.
- The average monthly Medicare Advantage premium in Florida dropped to $2.11 for 2026, down from $4.09 in 2025.
- All Florida residents with Medicare have access to at least one plan with a $0 monthly premium.
- Florida has 10 stand-alone Medicare Part D prescription drug plans for 2026, with the lowest monthly premium starting at $0.
- The 2026 in-network maximum out-of-pocket limit for Medicare Advantage plans is $9,250, down from $9,350 in 2025.
- Florida has 5,196,218 Medicare enrollees, and 24.43% of those with a stand-alone Part D plan qualify for Extra Help.
Best Florida Medicare Advantage: FAQ
Get answers about Florida Medicare Advantage plans:
When can I enroll in a Medicare Advantage plan in Florida?
Florida enrollment opens during the Annual Enrollment Period (Oct. 15 to Dec. 7) and the Medicare Advantage Open Enrollment Period (Jan. 1 to March 31). You may also qualify for a Special Enrollment Period if you relocate or lose other coverage.
Does Medicare Advantage cover prescription drugs in Florida?
Most Medicare Advantage plans in Florida include prescription drug coverage. Before enrolling, confirm your medications appear on the plan's formulary and check their tier levels, which directly affect 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. Contact your current plan within 30 days of your move to review your options, moving qualifies you for a Special Enrollment Period to select a plan that serves your new area.
Which Florida Medicare Advantage plan has the lowest out-of-pocket maximum?
Among the providers, CarePlus Health Plans has the lowest average out-of-pocket maximum for HMO-POS plans at $2,700 per year, and its CareOne Plus plans cap costs at $2,000 and $2,750. For HMO plans, UnitedHealthcare averages $3,067 annually. PPO plans carry the highest average MOOP at $6,077 across Florida's 34 options.
Are Florida Medicare Advantage plans good for people with chronic conditions?
HMO-POS plans are the right fit for most members with chronic conditions who see specialists regularly. CarePlus Health Plans averages a $2,700 MOOP, $1,661 below the HMO-POS average of $4,361, at $0 per month. Members who need out-of-state specialists should compare PPO options, but PPO plans average $6,077 in annual out-of-pocket costs, more than twice the CarePlus HMO-POS average.
Our Methodology: How We Chose the Best Florida Medicare Advantage Plans
MoneyGeek pulled plan data from CMS in June 2026 and evaluated all available Medicare Advantage plans in Florida for the 2026 plan year. We assessed Medicare Advantage plans in Florida using three core criteria:
- Affordability (50%): Costs make up half the total score because they have the most direct effect on what members pay each year. MoneyGeek 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 earn higher scores.
- Star Ratings (40%): CMS star ratings evaluate care quality and customer service, with overall member experience factored into the final score. 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%): Coverage area across the United States determines this score. Providers serving more states score higher, broader availability reflects deeper service infrastructure and better continuity if you relocate.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). His career began in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.
Sources
- CMS.gov. "Medicare Advantage Resources." Accessed June 23, 2026.
- Medicare.gov. "Welcome to Medicare." Accessed June 23, 2026.