Santa Rosa County is in the Panhandle and Big Bend, from Pensacola and Fort Walton Beach to Panama City and Tallahassee, with about 207,653 residents (Census 2024 estimate). Its largest towns are Milton, Gulf Breeze and Jay.
Naval Air Station Whiting Field is near Milton, so many military retirees nearby combine Medicare with TRICARE For Life.
Hurricanes reach this part of the state: what happens to your Medicare after a storm.
2027 plans in Santa Rosa County at a glance
What it means if you live in Santa Rosa County
- That's 4 plans fewer than in 2026 (32). If you have a Medicare Advantage plan, check your Annual Notice of Change to see whether it continues and what changes. Humana, Aetna Medicare and UnitedHealthcare end some Medicare Advantage plans here while keeping others; at least 6,053 people in Santa Rosa County are in one of those plans. Your plan's letter says whether yours is ending; here is what to do. (CMS data)
- 8 are HMOs (you generally use the plan's network) and 20 are PPOs (which also pay out-of-network doctors, usually at a higher cost to you).
- 9 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: 18 for people with both Medicare and Florida Medicaid; 2 for people with certain chronic conditions, such as diabetes or heart failure; 3 for people who live in a nursing home or need that level of care. You can join one only if you qualify.
- Santa Rosa County ranks 31st of Florida's 67 counties for plans open to everyone. In the The Panhandle region (16 counties), the count runs from 13 to 28.
- At least 20,719 people in Santa Rosa County were in a Medicare Advantage plan in October 2026.
Licensed insurance agents for Santa Rosa 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 Santa Rosa 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 |
|---|---|---|
| Escambia County | 28 | 23 |
| Okaloosa County | 18 | 13 |
| Walton County | 21 | 14 |
| Holmes County | 13 | 7 |
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 Santa Rosa County
How many Medicare Advantage plans are there in Santa Rosa County for 2027?
CMS lists 28 open to everyone with Medicare (32 in 2026), plus 23 special needs plans for people who qualify. You still pay your Part B premium.
When can I change my Medicare plan in Santa Rosa 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 Santa Rosa 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.