Best Medicare Advantage Plans in Florida (2026)

Solis Health Plans charges $0 premiums on all plans while keeping out-of-pocket maximums as low as $2,500 per year. It covers primary care visits at $0 across every plan, and its Miami-Dade option extends that to specialist visits as well. A median CMS Star Rating of 4.5 out of 5 confirms it's among the highest-quality insurers in Florida.

Solis Health Plans also covers comprehensive dental with plan maximums up to $3,500, vision allowances up to $350 per year and hearing aid benefits up to $2,000 annually. Its OTC allowance runs from $115 to $135 per year depending on the plan.

Doctors HealthCare Plans is one of Florida's top Medicare Advantage providers for member satisfaction, with a CAHPS rating in the 93rd percentile nationally. Its flagship DrMax and DrSelect plans in South Florida offer $0 primary care, specialist and hospital visits, no monthly premium and a $3,000 out-of-pocket maximum. Its 4.5-star CMS rating further reflects strong overall plan quality.

Vision benefits reach up to $400 per year, while hearing aid coverage goes up to $1,500 on its Central Florida plan. One key limitation is dental coverage. The company doesn't offer supplemental dental benefits on any of its plans.

Simply Healthcare Plans has a median 4.5-star CMS rating across its plans in 2026, one of the strongest quality scores among Florida Medicare Advantage insurers. Its Simply More and Simply Extra Platinum HMO plans have $0 monthly premiums and $0 primary care copays. The Elevance Health subsidiary serves select Florida counties, including Miami-Dade, Broward, Hillsborough and Pinellas.

Supplemental benefits are another strength. Most plans provide up to $2,000 for hearing aids, while dental benefits include comprehensive coverage with plan maximums up to $1,200. Maximum annual cost exposure ranges from $2,450 to $3,850, below the state median of $3,900.

Ultimate Health Plans keeps out-of-pocket costs low. Its two Premier by Ultimate HMO plans have $0 monthly premiums and a $1,900 annual maximum cost exposure, one of the lowest MOOP limits among Florida Medicare Advantage plans. Primary care and specialist visits cost $10, while inpatient hospital stays cost $80 to $90 per day for the first five days. Its plans have a median 4-star CMS rating and have strong member satisfaction scores with CAHPS rating of 87 out of 100.

Supplemental benefits are more limited. Both plans include a $400 vision allowance and $2,000 hearing aid allowance but no supplemental dental coverage.

CarePlus Health Plans has a 4.5-star CMS rating across its entire Florida portfolio, one of the state's highest-rated Medicare Advantage insurers for 2026. All of its plans have $0 monthly premiums, while its CareOne Plus plan in Miami-Dade caps annual out-of-pocket exposure at just $500, the lowest MOOP limit among the plans we analyzed. CarePlus also has broad availability, with its CareSalute plan serving 20 Florida counties.

Freedom Health combines $0 monthly premiums with low out-of-pocket costs on its top plans. Its Freedom Platinum Plan Rx HMO has an annual out-of-pocket maximum as low as $1,750, with $0 copays for both primary care and specialist visits. It also provides up to $1,500 annually for hearing aids and $400 for eyewear, though supplemental dental coverage isn't included.

Freedom Health earns a 4.5-star CMS rating and an 89 CAHPS plan rating, which shows strong member satisfaction. With plans available across 23 Florida counties, the regional insurer has relatively broad coverage in the state.

Health First Health Plans is one of the highest-rated Medicare Advantage companies in Florida with a 4.5-star CMS rating across its entire catalog. Its Complete Care HMO plan offers particularly strong cost protection, with a $0 monthly premium and a $2,400 maximum out-of-pocket limit. Primary care visits cost $10, while specialist visits cost $15.

Member satisfaction is also strong, with a CAHPS plan rating of 91 out of 100, above the Florida average of 88.9. Its most-enrolled plan, Rewards HMO, covers more than 15,000 Florida members and combines a $0 premium with $1,250 in dental coverage, a $440 annual OTC allowance and $1,000 toward hearing aids.

Optimum HealthCare combines $0 monthly premiums with low annual out-of-pocket limits across its Florida Medicare Advantage lineup. Its Optimum Platinum Plan caps annual costs at $1,000, the lowest cost ceiling among its plans, and charges $0 for both primary care and specialist visits. Its most-enrolled option, the Optimum Gold Rewards Plan, covers more than 19,500 members and has a $1,900 out-of-pocket maximum with $10 primary care and specialist copays. All of its plans have a 4.5-star CMS rating.

Supplemental benefits vary by plan. Vision allowances reach up to $400 per year and hearing aid benefits up to $1,500, but no plans include a supplemental dental benefits. Annual OTC allowances range from $45 to $85.

Devoted Health has a 5-star CMS rating across its Florida HMO Medicare Advantage lineup, while its PPO plans have a 4.5-star CMS rating. All plans have $0 monthly premiums. Its Core and Premium plans cap annual out-of-pocket costs at $3,900, while its Giveback plans have a higher $6,750 limit. Select plans also include annual OTC allowances up to $464 and vision benefits up to $400.

Devoted Health's Core plans provide up to $3,500 in annual dental benefits with comprehensive coverage included, but it doesn't offer hearing benefits.

Humana has $0 monthly premiums on 89.8% of its Florida Medicare Advantage plans with some of the lowest annual out-of-pocket limits available in the state. Its Select plans cap costs at just $500, while its Gold Plus HMO plans have $0 primary care and specialist copays on select options and comprehensive dental benefits up to $6,000.

Humana also has broad availability, with options available statewide and one plan serving 25 Florida counties, and hearing aid allowances reach $3,000 on select plans. However, CMS ratings range from 3.5 to 4.5 stars across its Florida plans, with a median of 3.5. The company has uneven plan quality and member satisfaction in the state. Enrollees who prioritize higher quality ratings will find better options elsewhere.