The pieces of your monthly cost (2026)
| Part | What most people pay | Who pays more or less |
|---|---|---|
| Part A (hospital) | No premium | People with fewer than 40 quarters of Medicare-taxed work (their own or a spouse's) pay up to $565 a month |
| Part B (medical) | $202.90 | Higher incomes pay up to $689.90; late enrollees pay a penalty |
| Part D drug plan | Varies by plan | Higher incomes add an IRMAA of up to $91 |
| Medigap policy | Varies by plan letter, company and age at purchase | Florida bars premiums that rise automatically with age |
| Medicare Advantage plan | Varies by plan and county | Replaces Medigap and usually includes Part D; you still pay Part B |
You also pay deductibles and coinsurance when you get care, such as the $283 Part B deductible and the $1,736 Part A hospital deductible in 2026. Part D drug costs are capped at $2,100 a year. See Medicare costs in 2026.
Two common ways to put it together
- Original Medicare plus Part D and Medigap: you pay the Part B premium plus a Part D premium and a Medigap premium. You can see any provider in the country that accepts Medicare, useful if you split the year between Florida and another state.
- Medicare Advantage: you pay the Part B premium plus the plan's premium, if any, and the plan's cost sharing up to its yearly limit (no more than $9,250 in-network in 2026). See Medigap vs. Medicare Advantage in Florida.
Choices vary a lot across Florida's 67 counties: for 2027, CMS lists 52 Medicare Advantage plans open to everyone in Hillsborough County but 7 in Monroe County, and 11 standalone Part D plans statewide.
If you retired from a Florida public job
If you keep State Group Insurance, its premium is separate from Part B, and the State plan pays as if you had Part B whether or not you do. FRS retirees may also get the Health Insurance Subsidy, a monthly payment based on years of service toward health insurance costs. See Florida state retirees and Medicare.
Help with costs in Florida
- Medicare Savings Programs: QMB (income up to 100% of the federal poverty level) pays Medicare premiums, deductibles and coinsurance, and SLMB and QI1 (up to 135%) pay the Part B premium. The asset limit is $9,950 for one person. Apply with DCF through ACCESS Florida or at (850) 300-4323. See Medicare Savings Programs in Florida.
- Extra Help: lowers Part D costs; apply through Social Security.
To add up the costs of plans in your county, you can request a call from a licensed insurance agent, or see plans for your ZIP code.
Related questions
Do I have to pay for Part A?
The 40-quarter rule and Florida public jobs.
What is IRMAA?
Income-based premiums.
Will selling my home up north raise my premiums?
Home sales and IRMAA.
Sources
- CMS — 2026 Medicare Parts A & B premiums and deductibles
- Medicare.gov — Medicare costs
- Florida Department of Management Services, MyBenefits — Retiree FAQs
- Florida Statutes s. 112.363 — Retiree Health Insurance Subsidy
- Florida Statutes s. 627.410 — Rate filings (attained-age rating ban)
- Florida DCF — Appendix A-9.1, MSP and LIS financial standards, effective April 2026 (PDF)
- CMS — CY2027 Medicare Advantage and Part D Landscape files (Florida plan counts)
More questions in this guide
- If I never worked in the U.S., can I buy Medicare Part A in Florida?
- Do I have to pay a premium for Medicare Part A?
- Will selling my home up north before moving to Florida raise my Medicare premiums?
- How do I lower my IRMAA after I retire?
- What is IRMAA and will I have to pay it?
Part of the guide: Medicare costs in 2026 for Floridians · All questions
Frequently asked questions
Is Medicare cheaper in Florida than in other states?
The Part A and Part B amounts are the same nationwide. Part D, Medigap and Medicare Advantage premiums are set by the companies and change by plan and county, so compare the plans for your ZIP code.
Do I still pay the Part B premium with a Medicare Advantage plan?
Yes. You keep paying the Part B premium when you join a Medicare Advantage plan, plus any plan premium. The same is true for the State of Florida's group MA-PD plans for retirees.
Does Florida's lack of a state income tax lower my Medicare premiums?
No. Higher-income surcharges (IRMAA) use the modified adjusted gross income on your federal tax return, so a pension, IRA withdrawals or a home sale can still raise your Part B and Part D premiums.
Medicare in your Florida county
Plans, local agents and help, county by county: Miami-Dade · Broward · Palm Beach · Hillsborough · Orange · Duval · Pinellas · Lee · Polk · Pasco · Brevard · Volusia · Seminole · Sarasota · Osceola · Manatee · Lake · Marion · Collier · St. Lucie · All 67 counties →
