Written by Adrienne Lin
We aim to help you make informed healthcare decisions. While this post may contain links to lead generation forms, this won’t influence our writing. We follow strict editorial standards to give you the most accurate and unbiased information.
Key Takeaways
- Top Quality & Value: Freedom Health, CarePlus, and Aetna lead Florida with strong CMS ratings, preventive care, and member benefits.
- Best Flexibility & Experience: UnitedHealthcare and Humana stand out for large networks, wellness perks, and customer satisfaction.
- Trusted & Local Options: Cigna and Florida Blue offer stable, community-focused coverage with predictable costs and solid financial strength.
- Special Needs Plans (SNPs) are widely available for chronic and dual-eligible beneficiaries.
- Florida retirees benefit from dental, vision, and OTC coverage across carriers.
Overview
Florida seniors shopping for Medicare Advantage plans in 2025 have more choices than ever—over 200 plan options from national and regional carriers.
To simplify your search, we analyzed CMS Star Ratings, J.D. Power satisfaction scores, financial strength, enrollment data, and plan benefits. The result: a curated list of the best Medicare Advantage plans in Florida for 2025–2026 based on quality, reliability, and real member experience.
Top Medicare Advantage Plans in Florida in 2025
| Organization | Enrollment (FL) | Parent Company | SNP | 2026 Overall Stars | AM Best Rating |
| Freedom Health, Inc. | 80,189 | Elevance Health, Inc. | Yes | ⭐ 4.5 / 5 | A (Excellent) |
| CarePlus Health Plans, Inc. | 158,930 | Humana Inc. | Yes | ⭐ 4.5 / 5 | A (Excellent) |
| Aetna Medicare | 132,257 | CVS Health Corp. | Yes | ⭐ 4.5 / 5 | A (Excellent) |
| Humana | 664,053 | Humana Inc. | Yes | ⭐ 3.5 / 5 | A (Excellent) |
| UnitedHealthcare | 489,096 | UnitedHealth Group | Yes | ⭐ 3.5 / 5 | A+ (Superior) |
| Cigna Healthcare (HealthSpring) | 86,459 | Health Care Service Corp. | Yes | ⭐ 3.5 / 5 | A (Excellent) |
| Florida Blue (BCBS) | 64,849 | GuideWell Mutual | No | ⭐ 3.5 / 5 | A+ (Superior) |
Humana — Best for large provider networks and long-term reliability
Overview: Serving over 660,000 Floridians, Humana offers one of the most comprehensive plan lineups in the state. Their plans are designed to support healthy, active lifestyles with plenty of wellness benefits and fitness incentives. Seniors love its focus on convenience — from care coordination to online tools that make managing healthcare simple.
While its overall rating sits at 3.5 stars, Humana remains popular for its wellness perks, SilverSneakers access, and robust chronic care management.
UnitedHealthcare — Best for beneficiaries wanting flexibility and top-rated customer service
UnitedHealthcare (UHC) combines nationwide access with thoughtful extras like dental, vision, and hearing coverage at no extra cost. Its large network and high satisfaction scores make it a dependable choice for retirees who want flexibility and trusted support.
They ranked #1 for member satisfaction in Florida according to the 2025 J.D. Power Medicare Advantage Study.
UHC offers broad PPO networks, referral-free specialist access, and strong dental, hearing, and vision coverage.
If you travel between states or spend winters up north, see our best Medicare plans for travelers and snowbirds to find flexible PPO options that fit your lifestyle.
Cigna Healthcare — Best for consistent, predictable benefits and chronic care support
Cigna, operating as HealthSpring of Florida, balances affordability with personalized support for chronic conditions.
Members value its wellness programs, telehealth access, and straightforward plan designs that keep care predictable.
They maintain steady 3.5-star ratings with reliable C-SNP offerings and wellness incentives.
Florida Blue — Best for long-term Floridians seeking trusted, community-based coverage
Florida Blue, the nonprofit Blue Cross Blue Shield plan, brings its long-standing community presence to Medicare Advantage with plans tailored for local needs and budgets. Known for customer service and strong wellness benefits, it’s a great fit for Floridians who value stability and hometown care.
They hold 3.5-star ratings and an A+ AM Best rating.
According to Florida Blue’s Medicare Advantage page, members can use Blue Dollars cards toward OTC items and groceries, and most plans include SilverSneakers benefits.
Compare options HERE & start your health plan journey.
Freedom Health — Best for members with chronic conditions who want full benefits and local support
Freedom Health offers highly rated Medicare Advantage plans known for strong customer satisfaction, rich dental and vision benefits, and generous OTC allowances. As part of Elevance Health, it combines local service with nationwide resources to help Floridians manage chronic conditions affordably.
This carrier leads Florida’s Medicare Advantage market with a 5.0 Part C and 4.5 overall rating for 2026.
Members enjoy $0-premium HMOs, comprehensive dental and vision, and OTC allowances ($35–$135 monthly).
Freedom also ranked #2 in J.D. Power’s 2024 study, reflecting high satisfaction in care coordination and value.
CarePlus Health Plans — Best for those wanting Humana-level benefits with a regional network focus
CarePlus, a Humana subsidiary, consistently earns 4.5-star ratings for its strong preventive and chronic care management.
The plan offers $0 copays on many services, valuable Part B premium givebacks, and a broad provider network across Tampa Bay, Orlando, and South Florida—making it a top choice for Floridians who want Humana-level benefits with a community-focused, regional touch.
Aetna Medicare — Best for prescription management and pharmacy coordination
Aetna Medicare, part of CVS Health, offers flexible, member-centered coverage backed by the trusted CVS Health network. Its plans make it easy to manage prescriptions, stay on top of preventive care, and enjoy the peace of mind that comes with a top-rated insurer.
Their plans maintain 4.5 overall stars with solid performance in both Part C (4.0) and Part D (4.0).
Aetna’s parent company reported that over 81% of members are in highly rated MA plans for 2026.
Its integrated model with CVS pharmacies supports $0 copays for preferred generics and convenient mail-order refills.
Compare options HERE & start your health plan journey.
Methodology
This ranking was built using verified data from CMS Part C & D Performance Data, J.D. Power, AM Best, and Reuters as of October 2025.
Key Factors Included:
- CMS Star Ratings: Assessed plan quality using metrics from the official CMS database.
- Enrollment Data: Based on 2025 CMS state-level membership reports.
- Satisfaction Scores: Drawn from the J.D. Power 2024 U.S. Medicare Advantage Study and 2025 follow-up results.
- Financial Strength: Verified via AM Best Financial Ratings, ensuring all carriers meet “A” (Excellent) or higher.
- Parent Company Updates: Incorporated public filings, such as CVS Health’s 2026 Medicare Advantage report.
- Plan Benefit Reviews: Evaluated dental, vision, hearing, and OTC allowances using each carrier’s published plan materials.
For national comparisons, visit our Best Medicare Advantage Companies 2026 analysis.
How to Choose the Right Plan
- Review CMS Star Ratings – Plans with 4★+ reflect above-average quality.
- Check provider networks – Ensure your preferred doctors are covered.
- Compare extra benefits – Dental, OTC, and gym benefits vary.
- Consider your travel needs – Learn how switching between Medicare Advantage and Original Medicare affects your coverage.
- Verify financial strength – All featured insurers are AM Best-rated “A” or better.
For a deeper look at enrollment trends and coverage options, visit our full Florida Medicare Advantage plans guide.
Bottom line
Florida’s Medicare Advantage market continues to deliver strong quality and innovation for 2025–2026.
For upcoming national updates, visit our 2026 Guide to Medicare Plans for forecasts on new coverage changes and CMS rating trends.
Shop for a Medicare plan with additional benefits!
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