2027 alertHumana, Aetna Medicare, UnitedHealthcare and 9 other companies end some Medicare Advantage plans in Florida on December 31. (CMS data) 23 days left in Annual Enrollment (ends Dec. 7).Is your plan ending? →

Medicare by county in Florida

Medicare Advantage plans are sold county by county. For 2027, CMS lists from 52 plans open to everyone in Hillsborough County down to 7 in Monroe County; 11 standalone Part D plans and Medigap are sold statewide. Pick your county to see its plans, how they changed from 2026, and local licensed insurance agents.

Find your county

Jump to a region: South Florida · Tampa Bay and Sarasota · Central Florida and The Villages · Southwest Florida and the Heartland · Space Coast and Treasure Coast · Northeast Florida · North Central Florida · The Panhandle · The Florida Keys

Plans open to everyone are Medicare Advantage plans, with or without drug coverage, that anyone with Medicare in the county can join. Source: CMS Landscape files, 2026 and 2027.

South Florida

South Florida, from Miami and Fort Lauderdale to West Palm Beach.

CountyLargest townsPlans open to everyoneChange from 2026Special needs plans
Broward CountyFort Lauderdale, Pembroke Pines44-662
Miami-Dade CountyMiami, Hialeah41-560
Palm Beach CountyWest Palm Beach, Boca Raton49-662

Tampa Bay and Sarasota

The Tampa Bay area and Sarasota, from Brooksville and New Port Richey to Bradenton and Sarasota.

CountyLargest townsPlans open to everyoneChange from 2026Special needs plans
Hernando CountyBrooksville40-1153
Hillsborough CountyTampa, Plant City52-672
Manatee CountyBradenton, Palmetto41-546
Pasco CountyZephyrhills, New Port Richey49-871
Pinellas CountySt. Petersburg, Clearwater50-768
Sarasota CountyNorth Port, Sarasota41-248

Central Florida and The Villages

Central Florida, around Orlando, Daytona Beach, Lakeland, Ocala and The Villages.

CountyLargest townsPlans open to everyoneChange from 2026Special needs plans
Lake CountyClermont, Leesburg48-754
Marion CountyOcala, Belleview51-456
Orange CountyOrlando, Apopka45-1461
Osceola CountyKissimmee, St. Cloud45-1367
Polk CountyLakeland, Winter Haven50-1160
Seminole CountySanford, Altamonte Springs46-1367
Sumter CountyWildwood, Bushnell48-458
Volusia CountyDeltona, Daytona Beach47-146

Southwest Florida and the Heartland

Southwest Florida and the Heartland, from Port Charlotte, Fort Myers and Naples inland to Sebring and Okeechobee.

CountyLargest townsPlans open to everyoneChange from 2026Special needs plans
Charlotte CountyPunta Gorda33-829
Collier CountyNaples, Marco Island32-1127
DeSoto CountyArcadia26-422
Glades CountyMoore Haven27+616
Hardee CountyWauchula, Bowling Green23-224
Hendry CountyClewiston, LaBelle22same16
Highlands CountySebring, Avon Park25-1222
Lee CountyCape Coral, Fort Myers34-733
Okeechobee CountyOkeechobee25+422

Space Coast and Treasure Coast

The Space Coast and Treasure Coast, from Titusville and Melbourne to Vero Beach, Port St. Lucie and Stuart.

CountyLargest townsPlans open to everyoneChange from 2026Special needs plans
Brevard CountyPalm Bay, Melbourne45+231
Indian River CountySebastian, Vero Beach43-151
Martin CountyStuart, Indiantown33-740
St. Lucie CountyPort St. Lucie, Fort Pierce35-946

Northeast Florida

Northeast Florida, around Jacksonville, St. Augustine and Palm Coast.

CountyLargest townsPlans open to everyoneChange from 2026Special needs plans
Baker CountyMacclenny, Glen St. Mary18-719
Clay CountyGreen Cove Springs, Orange Park40-539
Duval CountyJacksonville, Jacksonville Beach42-445
Flagler CountyPalm Coast, Flagler Beach42-131
Nassau CountyFernandina Beach, Hilliard33-126
Putnam CountyPalatka, Crescent City24+319
St. Johns CountySt. Augustine, St. Augustine Beach38-632

North Central Florida

North Central Florida, from Gainesville and Lake City to the Suwannee Valley and the Nature Coast.

CountyLargest townsPlans open to everyoneChange from 2026Special needs plans
Alachua CountyGainesville, Alachua16-822
Bradford CountyStarke, Lawtey15-214
Citrus CountyInverness, Crystal River35-448
Columbia CountyLake City, Fort White16-714
Dixie CountyCross City, Horseshoe Beach13-28
Gilchrist CountyTrenton, Bell13-28
Hamilton CountyJasper, Jennings12-38
Lafayette CountyMayo12-38
Levy CountyWilliston, Chiefland18-412
Madison CountyMadison, Greenville17-47
Suwannee CountyLive Oak, Branford11-38
Taylor CountyPerry17-47
Union CountyLake Butler, Worthington Springs12-28

The Panhandle

The Panhandle and Big Bend, from Pensacola and Fort Walton Beach to Panama City and Tallahassee.

CountyLargest townsPlans open to everyoneChange from 2026Special needs plans
Bay CountyPanama City, Lynn Haven19-413
Calhoun CountyBlountstown, Altha17-47
Escambia CountyPensacola, Century28-423
Franklin CountyCarrabelle, Apalachicola17-37
Gadsden CountyQuincy, Midway17-47
Gulf CountyPort St. Joe, Wewahitchka13-47
Holmes CountyBonifay, Ponce de Leon13-47
Jackson CountyMarianna, Graceville13-47
Jefferson CountyMonticello17-47
Leon CountyTallahassee13-17
Liberty CountyBristol17-47
Okaloosa CountyCrestview, Fort Walton Beach18-213
Santa Rosa CountyMilton, Gulf Breeze28-423
Wakulla CountySopchoppy, St. Marks17-47
Walton CountyFreeport, DeFuniak Springs21-414
Washington CountyChipley, Vernon13-47

The Florida Keys

The Florida Keys, the island chain from Key Largo to Key West.

CountyLargest townsPlans open to everyoneChange from 2026Special needs plans
Monroe CountyKey West, Marathon7same1

Licensed insurance agents for Florida

These independent insurance agents are licensed in Florida and work with Benefits Life, the publisher of this site. When they enroll you in a plan, the agent and Benefits Life may be paid by the insurance company. Learn more.

Chiara Lewis

Chiara Lewis

5.0 out of 5 stars (4 reviews on MedicareAgents.com)

Accepting new clients

Independent licensed insurance agent in Florida

Littleton, CO · English

Floribel Merced Lopez

Floribel Merced Lopez

Accepting new clients

Independent licensed insurance agent in Florida

Colorado Springs, CO · English, Spanish

Shirley Haddan

Shirley Haddan

5.0 out of 5 stars (1 review on MedicareAgents.com)

Accepting new clients

Independent licensed insurance agent in Florida

Pueblo, CO

Bernadette Cox

Bernadette Cox

Accepting new clients

Independent licensed insurance agent in Florida

Larkspur, CO · English

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