Putnam County is in Northeast Florida, around Jacksonville, St. Augustine and Palm Coast, with about 77,301 residents (Census 2024 estimate). Its largest towns are Palatka, Crescent City and Interlachen.
Hurricanes reach this part of the state: what happens to your Medicare after a storm.
2027 plans in Putnam County at a glance
What it means if you live in Putnam County
- That's 3 plans more than in 2026 (21), so it's worth comparing even if you like your plan. Humana ends some Medicare Advantage plans here while keeping others; at least 1,981 people in Putnam County are in one of those plans. Your plan's letter says whether yours is ending; here is what to do. (CMS data)
- 10 are HMOs (you generally use the plan's network) and 14 are PPOs (which also pay out-of-network doctors, usually at a higher cost to you).
- 7 plans have no Part D drug coverage. Those suit people who get drug coverage elsewhere, such as from the VA; otherwise you could owe a late-enrollment penalty for going without it.
- Special needs plans here: 14 for people with both Medicare and Florida Medicaid; 5 for people with certain chronic conditions, such as diabetes or heart failure. You can join one only if you qualify.
- Putnam County ranks 37th of Florida's 67 counties for plans open to everyone. In the Northeast Florida region (7 counties), the count runs from 18 to 42.
- At least 12,816 people in Putnam County were in a Medicare Advantage plan in October 2026.
Licensed insurance agents for Putnam County
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.
See Medicare plans in Putnam County
Enter your ZIP code to compare Medicare Advantage, Part D, and Medigap plans available where you live.
You'll go to PlanMatchMedicare.com, a plan comparison site from Benefits Life, the publisher of this site. Only your ZIP code is sent.
Original Medicare and Medigap
If you'd rather keep any doctor who takes Medicare, Original Medicare with a Medigap policy and a Part D plan works the same in every Florida county. Medigap in Florida.
Nearby counties
You can only join a Medicare Advantage plan sold in the county where you live.
| County | Plans open to everyone, 2027 | Special needs plans |
|---|---|---|
| Flagler County | 42 | 31 |
| Clay County | 40 | 39 |
| St. Johns County | 38 | 32 |
| Marion County | 51 | 56 |
2026 Medicare costs (the same in every county)
| Cost | 2026 |
|---|---|
| Part B premium | $202.90 a month (standard) |
| Part B deductible | $283 a year |
| Part A deductible | $1,736 per benefit period |
| Part D out-of-pocket cap | $2,100 a year |
Other places to get answers
- Medicare: 1-800-MEDICARE (1-800-633-4227), TTY 1-877-486-2048, 24 hours a day, or Medicare.gov.
- Social Security (signing up for Parts A and B, Extra Help): 1-800-772-1213, TTY 1-800-325-0778.
- Florida Medicaid and the Medicare Savings Programs (apply through the Department of Children and Families, DCF): ACCESS Florida, DCF customer call center (850) 300-4323. Problems with a Medicaid plan: AHCA Medicaid Helpline 1-877-254-1055. Florida Medicaid and Medicare.
- Insurance questions and complaints about a Medigap policy, an insurance company or an agent: Florida Department of Financial Services Consumer Helpline 1-877-693-5236 (1-877-MY-FL-CFO), or check an agent's Florida license.
- Long-term care residents: the Long-Term Care Ombudsman Program (Florida Department of Elder Affairs), 1-888-831-0404, ombudsman.elderaffairs.org.
- More Florida contacts, from appeals to fraud reporting: Florida Medicare contacts.
Questions about Medicare in Putnam County
How many Medicare Advantage plans are there in Putnam County for 2027?
CMS lists 24 open to everyone with Medicare (21 in 2026), plus 19 special needs plans for people who qualify. You still pay your Part B premium.
When can I change my Medicare plan in Putnam County?
Open Enrollment runs October 15 to December 7, for coverage starting January 1. If you're in a Medicare Advantage plan, you can switch plans or go back to Original Medicare once between January 1 and March 31. If your plan leaves your county, you get a Special Enrollment Period.
How do I find a licensed insurance agent in Putnam County?
Use the agent search on this page, pick one agent and request a call, to compare plans with a licensed insurance agent at no cost to you. Agents listed here are licensed in Florida.
Sources
Plans open to everyone are Medicare Advantage plans with or without drug coverage, not special needs plans. Enrollment counts HMO and PPO plans; CMS hides counts of 10 or fewer, so real numbers are a little higher.