Florida is the #1 Medicare Advantage state in the nation. Furthermore, you can compare every plan in your ZIP code for free and find the one that saves you the most money.
Licensed FL agents available MonโFri 8amโ7pm • No obligation
All 67 counties
Click any county on the map to jump directly to its Medicare plan details below.
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Florida coverage options
Florida is the most competitive Medicare Advantage market in the United States. As a result, Florida seniors have more plan choices and richer benefits than almost anywhere else. Here are the three main plan types available to you.
300+ plans available in FL for 2026. In fact, Florida leads the nation in Medicare Advantage enrollment โ over 60% of FL seniors are enrolled.
10 Medigap plan types available in Florida. Moreover, a Medigap plan gives you the freedom to see any doctor in the country who accepts Medicare.
Stand-alone Part D drug plans are available throughout Florida for 2026. Therefore, compare by your specific medications to find the lowest total cost.
Florida Medicare facts
Florida is the nation's top Medicare market, with more seniors, more plans, and more competition than any other state. Furthermore, that competition drives carriers to offer richer benefits and lower costs to Florida enrollees.
Key dates
Missing your enrollment window can result in permanent penalties. Therefore, knowing these key dates is essential for every Florida senior.
| Enrollment period | Dates | What you can do |
|---|---|---|
| Initial Enrollment Period (IEP) | 3 months before your 65th birthday through 3 months after | Sign up for Medicare Parts A and B for the first time. Best time to enroll โ no penalties. |
| Medigap Open Enrollment Period | 6 months starting the month you turn 65 and enroll in Part B | Best time to buy a Medigap plan in Florida โ guaranteed issue, no health questions asked. |
| Annual Enrollment Period (AEP) | October 15 โ December 7, 2026 | Switch Medicare Advantage plans, add or drop Part D drug coverage. Changes start January 1. |
| Medicare Advantage Open Enrollment | January 1 โ March 31, 2026 | Switch Medicare Advantage plans or return to Original Medicare. One change allowed. |
| Special Enrollment Period (SEP) | Triggered by qualifying life events | Available if you lose employer coverage, move, or your plan leaves your area. |
| General Enrollment Period | January 1 โ March 31 each year | Sign up if you missed your IEP. Coverage starts July 1. Late penalties may apply. |
Common questions
Below are answers to the questions Florida seniors ask us most often.
All 67 Florida counties
Every Florida county has Medicare Advantage, Medigap, and Part D options. Moreover, comparison is completely free. Find your county below and compare plans at no cost.
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Find every Medicare plan available in your Florida ZIP code and enroll in minutes. Furthermore, licensed Florida agents are standing by at no charge to guide you.