Medicare in Florida: 2026 Guide
Florida Medicare at a Glance
Florida has the largest Medicare Advantage market in the country and some of the most aggressive broker activity — compare carefully.
| Metric | Value (2026) |
|---|---|
| Medicare enrollees | 4.92 million |
| Medicare Advantage penetration | 55% |
| Typical Plan G (65 yo nonsmoker) | $170/month |
| Nursing homes (Medicare-certified) | 700 |
| 5-star nursing homes | 23% |
| Median SNF semi-private room | $9,200/month |
| Median assisted living | $4,450/month |
Your Medicare Choices in Florida
Every Medicare-eligible resident chooses between two paths:
- Original Medicare + Medigap + Part D — any-doctor access, stable benefits, higher premium.
- Medicare Advantage (Part C) — bundled benefits, often $0 premium, but networks and prior auth.
About 55% of Florida's Medicare enrollees choose Advantage. Your best path depends on your doctors, travel patterns, health, and budget.
Medigap in Florida
Medigap is federally standardized across all states except Massachusetts, Minnesota, and Wisconsin — so Plan G in Florida is the same coverage as Plan G anywhere else in the country. What differs is premium and carrier availability.
- Typical 65-year-old nonsmoker Plan G: $170/month
- Plan N averages 20–30% less
- Your one-time Medigap Open Enrollment is the 6 months beginning when you're 65+ AND enrolled in Part B
Nursing Home Quality in Florida
Florida has 700 Medicare-certified nursing homes; 23% carry a 5-star Overall CMS rating. Before choosing a facility, check its Medicare Care Compare listing, read the most recent state inspection report, and visit in person on both a weekday meal and a weekend shift. Oversight agency: Florida Agency for Health Care Administration.
- SHIP (free Medicare counseling): 1-800-963-5337
- State long-term care ombudsman: 1-888-831-0404
Related Resources
- Nursing homes in Florida
- Assisted living in Florida
- Medicare Supplement (Medigap) guide
- Medicare Advantage vs Medigap
- Medicare cost calculator
Disclaimer: Figures are approximate 2026 benchmarks. Not affiliated with the U.S. government or the federal Medicare program. Consult a licensed agent or SHIP counselor before making decisions.