Choosing the right Medicare Advantage plan in Florida can make a significant difference in your healthcare costs, access to doctors, prescription coverage, and overall healthcare experience. With several private insurance companies offering Medicare Advantage plans across the state, comparing premiums alone is not enough. You should also consider quality ratings, out-of-pocket expenses, provider networks, and the benefits available in your county. So, what are the top rated Medicare Advantage plans in Florida? Providers such as CarePlus, Humana, Aetna, Florida Blue, UnitedHealthcare, and Devoted Health are worth researching, but the best option depends on the specific plan available where you live and the coverage you need. Medicare star ratings provide a useful starting point, while a closer comparison helps you determine which plan offers the best combination of quality, affordability, and access to care. In this guide, Faircare Insurance explains how to compare highly rated Medicare Advantage plans in Florida, what to look for before enrolling, and how to make a more informed decision for the upcoming coverage year.

What Are the Top Rated Medicare Advantage Plans in Florida?

Several insurance companies offer Medicare Advantage plans in Florida, including plans with different premiums, provider networks, prescription drug benefits, and additional services. However, insurance companies do not receive one universal rating that applies to every plan they offer. Medicare star ratings are generally assigned at the contract level, and the available plans and benefits can vary by county. For the 2026 plan year, independent comparisons highlighted CarePlus, Humana, Aetna, Florida Blue, HealthSpring, and UnitedHealthcare among the companies worth comparing. Devoted Health is also worth reviewing when evaluating Medicare Advantage quality ratings and local plan availability. These names are a starting point for research, not a guarantee that a particular plan is the best choice for every Florida resident. Here are some providers to consider when comparing Medicare Advantage coverage.

1. CarePlus Health Plans

CarePlus is a Florida-focused Medicare Advantage provider that may appeal to beneficiaries looking for coordinated care and plans that combine medical coverage with additional benefits. Depending on the specific plan and service area, coverage may include prescription drugs, preventive services, and supplemental benefits. CarePlus plans are commonly structured as Health Maintenance Organization (HMO) plans. This means members generally need to use in-network providers and may need referrals for certain specialist services, depending on the plan rules. Before enrolling, confirm that your primary care physician, specialists, preferred hospital, and prescriptions are covered. You should also review copayments, specialist visit costs, and the plan's maximum out-of-pocket limit. Best for: Beneficiaries whose preferred doctors and hospitals participate in the network and who are comfortable with an HMO's coverage rules.

2. Humana Medicare Advantage

Humana is another major Medicare Advantage provider with a range of plan options in Florida. Depending on the county and plan, beneficiaries may find options with prescription drug coverage, preventive care, dental benefits, vision services, hearing benefits, and other supplemental features. Some plans may also offer benefits that help eligible members with certain Medicare Part B premium costs. The amount and eligibility requirements vary, so review the plan's official benefit documents rather than assuming every Humana plan includes the same features. When comparing Humana plans, pay attention to the monthly premium, annual deductible, prescription drug costs, and maximum out-of-pocket limit. Check whether your preferred doctors and hospitals participate in the network. Best for: Beneficiaries who want to compare several plan designs from an established provider and prioritize a combination of medical coverage and additional benefits.

3. Aetna Medicare Advantage

Aetna offers Medicare Advantage plans in various Florida markets. Depending on availability, its options may include HMO and Preferred Provider Organization (PPO) plans, along with plans that combine medical and prescription drug coverage. The main advantage of comparing different plan types is that they can offer different levels of provider flexibility and cost sharing. HMO plans generally emphasize in-network care, while PPO plans may cover certain out-of-network services at a higher cost, subject to plan rules. If you take prescription medications regularly, review each drug's formulary tier, copayment or coinsurance, pharmacy requirements, and any prior authorization restrictions. A plan with an attractive premium may not be the least expensive choice once medication costs are included. Best for: Beneficiaries who want to compare different plan structures and evaluate prescription drug coverage alongside medical benefits.

4. Florida Blue Medicare Advantage

Florida Blue offers Medicare Advantage coverage in selected Florida markets. Its plans may include HMO or PPO options, depending on the county and specific product. Florida Blue may be worth considering if you want to compare available provider networks, cost-sharing arrangements, and supplemental benefits. However, you should never assume that a doctor who accepts one Florida Blue product automatically participates in every Florida Blue Medicare Advantage plan. Check the exact plan name and network before making your decision. Also compare hospital coverage, specialist costs, emergency care provisions, and the annual out-of-pocket maximum. Best for: Beneficiaries who want to investigate locally available plan options and compare provider access with total annual costs.

5. UnitedHealthcare Medicare Advantage

UnitedHealthcare offers Medicare Advantage plans in many Florida service areas, including plans that may be associated with AARP. Available options and benefits depend on the county and plan selected. Some plans include prescription drug coverage and additional benefits such as dental, vision, hearing, or fitness-related services. UnitedHealthcare also offers different plan structures, so beneficiaries should compare the provider network and referral requirements of each option. A large national insurance company does not automatically mean every local doctor or hospital is in-network. Verify your providers directly using the specific plan's directory and confirm coverage before enrolling. Best for: Beneficiaries who want to compare a range of plan options and investigate provider availability in their local area.

6. Devoted Health Medicare Advantage

Devoted Health is another provider to consider when researching Medicare Advantage plans in Florida. Depending on the service area, its offerings may include medical coverage, prescription drug benefits, and additional services designed to support members' healthcare needs. Quality ratings can make Devoted Health worth investigating, but beneficiaries should evaluate the individual plan rather than choosing a provider based on its reputation alone. Before enrolling, confirm the availability of the plan in your ZIP code, review the provider network, and compare the costs of routine appointments, specialist visits, hospital services, and prescription medications. Best for: Beneficiaries who want to include additional regional Medicare Advantage options in their comparison. Important: The providers listed above are examples to research, not a universal ranking. Ratings, plan availability, premiums, and benefits can change each year. For coverage beginning in 2027, check the latest Medicare Plan Finder results and the official plan documents for your county.

How Medicare Advantage Star Ratings Work

The Centers for Medicare & Medicaid Services (CMS) publishes Medicare Advantage star ratings to help beneficiaries evaluate the quality and performance of available plans. Ratings generally range from one to five stars, with five representing the highest performance. CMS evaluates multiple measures, including how well plans manage care, members' experiences, customer service, preventive health services, and other performance indicators. Plans that include prescription drug coverage are also evaluated on relevant drug-related measures. A higher star rating can be a useful indicator of plan quality, but it does not automatically mean that the plan has the lowest premium, the broadest network, or the best prescription coverage for your situation. For a more detailed explanation, read Faircare Insurance's guide to Medicare Advantage star ratings in Florida. When comparing ratings, remember to:
  • Check the rating for the exact plan or contract, not just the insurance company.
  • Confirm which rating year applies to the coverage you are considering.
  • Review the plan's benefits and costs in addition to its star rating.
  • Verify that your preferred doctors, hospitals, and prescriptions are covered.
Official CMS information about the latest ratings is available in its Medicare Advantage and Part D Star Ratings fact sheet.

How to Choose the Best Medicare Advantage Plan in Florida

The best Medicare Advantage plan is the one that meets your healthcare needs while keeping your expected expenses manageable. A plan with a low monthly premium may still result in higher costs if you frequently visit specialists or take medications that have expensive copayments. Use the following factors to compare your options.

1. Compare Monthly Premiums and Out-of-Pocket Costs

Medicare Advantage plans may advertise premiums as low as $0 per month. However, a $0 plan premium does not mean that healthcare is completely free. Most beneficiaries enrolled in Medicare Advantage must continue paying their Medicare Part B premium unless they qualify for an applicable assistance program or receive a plan benefit that helps pay some of it. You may also be responsible for deductibles, copayments, and coinsurance when receiving covered services. Compare the total cost of coverage, including:
  • Monthly plan premiums.
  • Medical and prescription drug deductibles.
  • Primary care and specialist copayments.
  • Hospital and outpatient procedure costs.
  • The annual maximum out-of-pocket limit for covered medical services.
Your actual expenses will depend on how often you use healthcare services and the plan's specific cost-sharing rules. For more information, read Medicare Advantage plan costs.

2. Check Your Doctors and Hospital Network

Provider networks are among the most important factors to consider when selecting a Medicare Advantage plan. Some plans require members to receive most routine care from participating providers, while others offer more flexibility. Before enrolling, confirm that your primary care doctor, specialists, preferred hospitals, and other important providers accept the exact plan you are considering. Provider directories can change, so verify participation with both the insurer and the provider's office. If you frequently travel or spend part of the year outside Florida, network restrictions may become especially important. Review our guide to Medicare Advantage plans for snowbirds in Florida to understand the considerations involved in receiving care in different locations.

3. Review Prescription Drug Coverage

Prescription drug coverage can significantly affect your annual healthcare expenses. Many Medicare Advantage plans include Part D prescription coverage, but formularies, pharmacy networks, and medication costs differ. Make a list of your current prescriptions before comparing plans. Check whether each medication is covered, which tier it belongs to, and whether the plan requires prior authorization, step therapy, or quantity limits. You should also compare preferred pharmacy arrangements and mail-order options when available. A plan that covers all your medications may still be more expensive than another option if its copayments or coinsurance are higher. Read Medicare Advantage prescription drug coverage in Florida for additional guidance.

4. Compare Dental, Vision, and Hearing Benefits

Many Medicare Advantage plans offer supplemental benefits that are not generally included in Original Medicare. Depending on the plan, these may include routine dental services, eye examinations, eyewear allowances, hearing examinations, hearing aids, fitness benefits, or over-the-counter product allowances. However, the amount of coverage and the restrictions can vary considerably. For dental coverage, check annual benefit limits, provider networks, covered procedures, and waiting periods or other restrictions where applicable. For vision and hearing benefits, compare allowances, participating providers, and any additional costs. Learn more about Medicare Advantage dental coverage in Florida before making a final decision.

5. Understand the Difference Between HMO and PPO Plans

HMO and PPO plans differ in how members access healthcare providers. HMO plans generally require members to use an established provider network for routine covered care, except for applicable emergencies and other plan-defined circumstances. Some HMO plans also require referrals to see specialists. PPO plans generally allow more flexibility to receive covered services from out-of-network providers, although members usually pay more for that care. Out-of-network coverage remains subject to plan rules, and not every service or provider will necessarily be covered. The right structure depends on your preferred doctors, travel habits, healthcare needs, and budget. Read HMO vs. PPO insurance in Florida to understand the key differences when comparing your options.

6. Consider Your Healthcare Needs and Eligibility

Your age, medical needs, income, and eligibility for additional assistance may affect which Medicare options are most appropriate for you. Some beneficiaries may qualify for Special Needs Plans (SNPs), which are designed for people who meet specific eligibility criteria. These plans may serve individuals with certain chronic conditions, people who qualify for both Medicare and Medicaid, or people who meet other defined requirements. If you believe you may qualify for a specialized plan, review Medicare Advantage Special Needs Plans in Florida. If you are still learning about Medicare eligibility, our guide to Medicare eligibility in Florida can help you understand the basic requirements.

Medicare Advantage Plan Costs in Florida

The cost of a Medicare Advantage plan depends on the plan's benefits, service area, and cost-sharing structure. Two plans from the same insurer may have different premiums, deductibles, provider networks, and out-of-pocket limits. When estimating your expenses, consider both predictable monthly payments and the costs you could face when you need care. For example, a plan with a slightly higher premium may offer lower specialist copayments or a more suitable prescription formulary. If you regularly visit specialists, those differences may matter more than the monthly premium alone. You should also compare each plan's annual maximum out-of-pocket limit for covered medical services. This limit can help you understand your potential exposure to covered in-network medical costs, although premiums, prescription drug expenses, and certain noncovered services may be treated separately under the plan's rules. Review Medicare Advantage out-of-pocket limits in Florida to learn more about this important comparison point.

When Can You Enroll in a Medicare Advantage Plan in Florida?

Your enrollment opportunities depend on your circumstances and the type of Medicare coverage you currently have. The Annual Election Period generally runs from October 15 through December 7 each year. During this period, eligible beneficiaries can generally join, switch, or drop Medicare Advantage coverage, with changes typically taking effect on January 1 of the following year. For beneficiaries already enrolled in a Medicare Advantage plan, the Medicare Advantage Open Enrollment Period runs from January 1 through March 31. Eligible individuals can generally make one change during this period, such as switching to another Medicare Advantage plan or returning to Original Medicare, subject to the applicable rules. People who are newly eligible for Medicare or experience qualifying life events may have other enrollment opportunities. Because plan availability and benefits can change each year, review your Annual Notice of Change and the new plan documents before renewing your coverage. You can also read our guide on how to enroll in Medicare Advantage plans in 2026 for an overview of the enrollment process. For the upcoming 2027 coverage year, confirm the applicable deadlines and options directly with Medicare.

Frequently Asked Questions

What is the highest-rated Medicare Advantage plan in Florida?

There is no single plan that is best for every Florida resident. Independent comparisons of 2026 coverage highlighted CarePlus and several other major providers, while CMS star ratings offer an additional way to evaluate plan quality. The highest-rated option available to you depends on the rating year, specific contract, county, and plan eligibility. Check the latest official ratings before enrolling.

Are $0-premium Medicare Advantage plans available in Florida?

Yes, $0-premium Medicare Advantage plans are available in many Florida markets, although availability depends on the county and plan. You generally still need to pay your Medicare Part B premium unless you qualify for assistance or an applicable benefit helps cover it. Copayments, deductibles, and other expenses may also apply.

Is a five-star Medicare Advantage plan always the best choice?

Not necessarily. A five-star rating indicates strong performance on CMS quality measures, but it does not guarantee that a plan includes your doctors, covers your medications affordably, or offers the supplemental benefits you need. Compare the rating alongside the plan's costs, network, and coverage rules.

Can I change my Medicare Advantage plan in Florida?

Eligible beneficiaries can generally change plans during the Annual Election Period from October 15 through December 7. The Medicare Advantage Open Enrollment Period also provides eligible current members with an opportunity to make one permitted change from January 1 through March 31. Certain qualifying circumstances may create additional enrollment opportunities.

Does Medicare Advantage include prescription drug coverage?

Many Medicare Advantage plans include prescription drug coverage, but not all do. Review the plan's formulary, pharmacy network, medication restrictions, and cost-sharing details before enrolling. If you choose a plan without drug coverage, consider how you will obtain any needed prescription benefits and whether separate Part D enrollment is permitted for your circumstances.

Final Thoughts

The top rated Medicare Advantage plans in Florida can be a useful starting point when comparing healthcare coverage, but the highest rating alone should not determine your decision. CarePlus, Humana, Aetna, Florida Blue, UnitedHealthcare, and Devoted Health are among the providers worth researching, depending on where you live and what coverage you need. Before enrolling, compare the exact plan's CMS star rating, monthly premium, maximum out-of-pocket limit, provider network, prescription drug coverage, and supplemental benefits. Review the latest plan documents for the year you intend to enroll, because ratings, costs, and benefits may change. Need help comparing your Medicare options? Faircare Insurance can help you explore available coverage options and understand the factors to consider when choosing a plan. Visit Faircare Insurance to learn more and take the next step toward finding coverage that fits your healthcare needs and budget.