Florida residents can enroll in Original Medicare (parts A and B) or Medicare Advantage (Part C) plans. They can also buy additional coverage if needed.

Medicare is a health program offered through the federal government to people 65 and older and people with certain disabilities. You can get coverage directly from the government or through a private insurance company.

If you’re shopping for Medicare coverage in Florida, you’ve got a lot to consider when selecting a plan.

Learn the Medicare plans available in Florida, the eligibility requirements, and when to enroll.

The Centers for Medicare & Medicaid Services (CMS) reported the following information on Medicare trends in Florida for the 2025 plan year:

  • A total of 5,095,344 residents of Florida were enrolled in Medicare.
  • The average Medicare Advantage monthly premium decreased in Florida compared with last year from $10.09 in 2024 to $4.33 in 2025.
  • There are 613 Medicare Advantage plans available in Florida for 2025, compared with 592 plans in 2024.
  • All Florida residents with Medicare have access to buy a Medicare Advantage plan with a $0 premium.
  • There are 16 stand-alone Medicare Part D plans available in Florida for 2025, and the lowest monthly premium for a stand-alone Part D plan is $0.
  • In 2024, the eligibility for Extra Help for Medicare enrollees who receive low-income subsidies expanded. This means more people are eligible to pay no deductible or premium for drug coverage and have fixed lower copayments for specific medications. This continues in 2025.

Medicare is more than just one plan. Different plans and components cover different parts of your healthcare.

Original Medicare

Original Medicare is managed by the federal government and includes two main parts: Part A and Part B.

Part A covers hospital services. This includes inpatient care you receive in a hospital or skilled nursing facility and some home health services.

Part B covers general medical costs, such as services at a doctor’s office, outpatient care, medical supplies, and preventive care.

Depending on your health needs, Original Medicare may not provide enough coverage. It doesn’t include coverage for prescription drugs, for instance. Out-of-pocket costs such as copayments, coinsurance, and deductibles add up, which can be expensive if you use healthcare frequently.

Medicare Advantage in Florida

Medicare Advantage (Part C) plans are offered through private insurance companies and fully replace Original Medicare. These plans cover the same benefits of parts A and B and then some.

Medicare Advantage plans typically include coverage for:

If you decide to go with a Medicare Advantage plan, you have plenty of choices in Florida. Remember that not all of these plans are available in all counties. Availability varies depending on where you live.

Some of these plans may also have narrow networks, meaning they may not cover all healthcare professionals you already have relationships with. You may want to contact your healthcare facilities before selecting a plan to ensure they are in-network.

Multiple insurance carriers are offering Medicare Advantage plans in Florida. Some of the private insurance companies offering Medicare Advantage plans in Florida include:

These companies offer plans in many counties in Florida. However, Medicare Advantage plan offerings vary by county, so enter your specific ZIP code when searching for plans where you live.

Medicare supplement plans in Florida

Medicare supplement (Medigap) plans help cover the gaps in Original Medicare coverage, which might include copays and coinsurance. You can purchase these plans in addition to having parts A and B.

In Florida, several insurance companies offer Medigap plans. Some of the companies offering Medigap plans in Florida include:

  • AFLAC
  • AARP – UnitedHealthcare
  • Cigna
  • Florida Blue
  • GPM
  • Humana
  • LifeShield
  • State Farm
  • Royal Arcanum

You have 12 different types of Medigap plans (including high-deductible versions of plans F and G) available to choose from this year if you live in Florida.

Medicare coverage is available to individuals who:

For most people, your initial Medicare Florida occurs during a 7-month enrollment period that starts 3 months before you turn age 65, includes your birthday month, and continues for 3 months after your birthday month.

Tips for enrolling in Medicare

The Medicare plan that’s best for you depends on several factors that may vary depending on your preference or situation. Consider the following when selecting a plan:

  • Compare plan structures: If you’re choosing a Medicare Advantage plan, know that these plans come in various plan designs. Understanding how a plan works and how it might affect your care is essential. Do you prefer a primary care physician overseeing your care (HMO)? Or would you rather be able to see any specialist in a network without getting a referral (PPO)?
  • Consider costs: How much are premiums, copayments, deductibles, or other costs? If you qualify for coverage through an employer, how do those costs compare to your current group coverage options?
  • Check reviews: See what other consumers are saying about their plans. Does the claims process work smoothly? Is customer service friendly and efficient? Read reviews online or ask around if you know other people enrolled in Medicare Advantage plans.
  • Review the provider network: If you have a preferred physician, look for a plan that includes them in the Medicare Florida network. Some plans may have more narrow coverage areas that aren’t geographically convenient. The time to find out is before you enroll.
  • Shop for perks that suit you: Medicare Advantage plans usually include a lot of extras, including discounts and programs that can help you stay healthy. Look for ones that fit your lifestyle and will be useful to you.

To learn more about Medicare plans in Florida, check out these resources:

What should I do next?

Ready to take the next steps to enroll in a Medicare plan in Florida? You may want to consider these actions:

  • Contact a Medicare Florida insurance agent who can help you understand your Medicare options and get quotes from different plans to help you compare.
  • Look up plan information online through local insurance carriers.
  • You can complete an online Medicare application through the Social Security Administration in as little as 10 minutes, and you don’t need to submit documentation right away.

Over 5 million people in Florida are enrolled in Medicare.

Several private insurance companies in Florida offer Medicare Advantage and Medigap plans.

Overall, monthly premium costs for 2025 Medicare Advantage plans in Florida have decreased, and they are still fairly low compared with most other states.