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    Medicare Advantage · Florida · enrollment Oct 2026

    Medicare Advantage in Florida: 2,818,974 members, 23 carriers, Humana in front.

    Humana holds 40.4% of Florida’s visible Medicare Advantage members, ahead of UnitedHealth at 28.6% and Elevance at 9.8%. The market grew +2.9% (+80,475 members) from Nov 2025 to Oct 2026 and stepped +0.2% at the 2026 election period. 57.3% of the state's Medicare beneficiaries are in a Medicare Advantage plan.

    Visible members
    2,818,974
    Oct 2026
    Carriers
    23
    575 plans with members
    MA penetration
    57.3%
    of 5,376,986 eligible
    Twelve months
    +2.9%
    +80,475 members
    Election step
    +0.2%
    December to January 2026
    Top three
    78.7%
    HHI 2,612, highly concentrated

    Every carrier with members in Florida

    Ranked by visible members in Oct 2026. The twelve-month change runs Nov 2025 to Oct 2026; the election step is the carrier’s own December-to-January change. Counties led counts counties where the carrier has the most visible members and at least one other carrier is visible. Humana leads 37 of the 67 counties with a lead. At the election period Ultimate Healthcare Holdings, LLC stepped up most (+125.3%) and Health Care Service Corporation stepped down most (−54.1%).

    #CarrierMembersShareTwelve monthsElection stepCounties ledRating$0 premiumPlans
    1Humana1,137,819
    40.4%
    		+14.0%+9.2%37 of 674.2999%116
    2UnitedHealth805,168
    28.6%
    		−0.1%−0.4%26 of 673.9598%61
    3Elevance275,015
    9.8%
    		+0.5%−0.8%1 of 284.27100%95
    4Aetna (CVS)177,359
    6.3%
    		−25.4%−22.3%0 of 404.00100%67
    5Guidewell Mutual Holding Corporation119,111
    4.2%
    		−21.8%−16.0%2 of 663.3889%36
    6Devoted58,668
    2.1%
    		+85.5%+44.0%0 of 274.46100%75
    7Centene48,111
    1.7%
    		−18.4%−16.9%0 of 554.00100%23
    8LMC Family Holdings, LLC40,574
    1.4%
    		+3.1%flat0 of 25.00100%3
    9Health First Shared Services, Inc.37,123
    1.3%
    		+11.6%+7.2%1 of 124.0084%11
    10DOCTORS HEALTHCARE PLANS, INC.27,103
    1.0%
    		+39.3%+9.3%0 of 54.50100%8
    11Athena Healthcare Holdings, LLC24,861
    0.9%
    		+75.4%+13.6%0 of 114.50100%24
    12Ultimate Healthcare Holdings, LLC22,288
    0.8%
    		+202.5%+125.3%0 of 163.50100%16
    13BayCare Health System, Inc.21,903
    0.8%
    		+45.1%+30.2%0 of 44.00100%3
    14Health Care Service Corporation15,518
    0.5%
    		−53.0%−54.1%0 of 323.0099%16
    15Gold Kidney Health Plan2,843
    0.1%
    		+89.7%+11.5%0 of 192.50100%6
    16Universal Health Services, Inc.2,742
    0.1%
    		+50.2%+23.0%0 of 14.50100%5
    17Independent Living Systems, LLC1,178
    0.0%
    		+7.2%+5.5%0 of 83.00100%3
    18Longevity Health Founders, LLC786
    0.0%
    		−12.4%−1.0%0 of 165.00100%1
    19Curana Health Holdings, LLC402
    0.0%
    		+229.5%+7.4%0 of 3––2
    20Chapters CareNu Inc192
    0.0%
    		−15.0%−0.4%0 of 4–100%1
    21Mitchell Family Office156
    0.0%
    		––0 of 7–100%1
    22Independence Health Group, Inc.43
    0.0%
    		+65.4%+230.4%0 of 2–100%1
    23Healthfirst, Inc.11
    0.0%
    		––0 of 13.50100%1

    Florida county by county

    67 counties with visible members, largest first. A county’s leader is the carrier with the most visible members there; a county with one visible carrier shows no leader, because the others are suppressed, not absent. Penetration is Medicare Advantage members as a share of the county’s Medicare beneficiaries.

    CountyVisible membersCarriersLeaderLeader shareMA penetrationDual eligibles
    Miami-Dade391,23116UnitedHealth30.0%75.1%224,591
    Broward238,42216Humana56.3%64.6%83,971
    Palm Beach164,35014Humana58.3%48.3%47,617
    Hillsborough159,89115Humana44.0%62.7%56,464
    Pinellas146,08115Humana38.7%60.4%35,958
    Orange133,97413Humana44.8%61.9%50,736
    Polk117,45514Humana46.8%69.3%36,319
    Duval99,64211UnitedHealth39.4%53.5%36,724
    Volusia98,09511Humana47.8%61.0%22,678
    Lee97,3988UnitedHealth41.2%50.5%24,066
    Pasco97,14416Humana45.6%67.4%23,679
    Brevard86,02310Health First Shared Services, Inc.33.1%51.2%19,908
    Marion78,11711UnitedHealth35.1%60.9%18,415
    Lake66,01411Humana34.4%58.8%13,617
    Sarasota58,65710UnitedHealth37.7%42.7%11,204
    Osceola53,66214Humana42.0%72.2%21,256
    Manatee52,25210Humana41.7%49.0%10,424
    St. Lucie51,95211Humana51.3%56.7%13,145
    Seminole47,43114Humana44.6%53.3%12,156
    Sumter42,9139UnitedHealth55.9%57.2%3,661
    Hernando40,69212Elevance35.2%68.6%8,327
    Collier37,1187UnitedHealth39.7%37.4%9,053
    Escambia36,0658Humana44.1%49.9%12,876
    Charlotte36,0167Humana39.9%52.9%6,371
    Citrus35,7409Humana37.3%59.3%7,539
    St. Johns26,5177UnitedHealth36.5%38.4%4,934
    Indian River23,09411UnitedHealth39.5%42.8%5,534
    Flagler23,0318Humana51.0%55.2%3,814
    Leon22,7564Guidewell Mutual Holding Corporation49.1%60.2%7,074
    Clay20,84410Humana39.6%42.8%5,491
    Alachua20,6785Humana57.9%41.6%8,459
    Highlands20,2436Humana45.3%60.1%5,864
    Santa Rosa18,7887Humana42.1%46.2%4,312
    Martin18,5849Humana54.4%40.9%3,501
    Bay17,4145Humana50.7%43.0%5,657
    Okaloosa14,9636UnitedHealth48.6%34.7%4,800
    Putnam12,4084Humana58.5%58.2%4,579
    Nassau11,1936UnitedHealth51.9%42.5%2,261
    Columbia9,2635Humana64.3%53.0%3,943
    Walton7,6796Humana49.2%42.3%1,903
    Levy7,5425UnitedHealth56.3%56.3%2,604
    Gadsden6,6014UnitedHealth44.3%71.3%2,608
    Suwannee6,4064Humana51.7%53.8%2,484
    Jackson6,1074UnitedHealth60.8%52.8%2,574
    Okeechobee5,3404Humana72.7%61.7%1,993
    Wakulla4,2404Guidewell Mutual Holding Corporation40.8%65.8%1,023
    Hendry4,1615UnitedHealth66.5%58.5%2,263
    DeSoto4,1365UnitedHealth54.3%58.4%1,468
    Bradford3,1074Humana58.8%51.6%1,208
    Washington2,8724UnitedHealth51.6%49.1%1,237
    Dixie2,8503Humana52.8%62.5%1,154
    Monroe2,7963UnitedHealth53.8%18.9%2,085
    Hardee2,7686UnitedHealth52.9%63.2%1,228
    Taylor2,7004UnitedHealth59.3%54.9%1,001
    Madison2,6914UnitedHealth54.4%57.8%1,067
    Holmes2,4994UnitedHealth57.5%50.3%1,141
    Baker2,4495Humana51.9%44.7%994
    Gilchrist2,2593Humana55.0%50.7%831
    Jefferson2,1724UnitedHealth41.6%64.1%688
    Gulf1,8883Humana48.7%47.4%625
    Hamilton1,8523Humana56.0%59.2%805
    Calhoun1,8373UnitedHealth63.1%64.2%723
    Franklin1,5913UnitedHealth49.2%52.8%459
    Glades1,4563Humana59.1%57.8%415
    Union1,2343Humana51.3%51.2%504
    Liberty9183UnitedHealth63.4%69.5%348
    Lafayette7122Humana54.8%45.7%308

    Florida's twelve months

    Visible Medicare Advantage members in Florida each month, Nov 2025 to Oct 2026. The December-to-January step is the election period; the rest of the year moves on new eligibles, special enrollment and deaths.

    Nov 2025 · 2,738,499Oct 2026 · 2,818,974

    What 2027 does to Florida

    The fate assigned to every plan for 2027, joined to the members in it today. A plan that ends sends its members to choose again; a plan dropping counties keeps the plan but not every county, and which counties is not stated.

    Plans that end
    306,456

    members in Florida are in plans that end for 2027.

    • Humana235,927
    • Elevance18,939
    • UnitedHealth16,014
    • DOCTORS HEALTHCARE PLANS, INC.13,387
    • Aetna (CVS)12,400
    • Health Care Service Corporation4,765
    • Centene2,138
    • Health First Shared Services, Inc.1,467
    Plans dropping counties
    129,553

    members are in plans that keep selling in Florida but drop at least one county for 2027.

    • Aetna (CVS) · 13 plans42,916
    • Humana · 4 plans35,922
    • Guidewell Mutual Holding Corporation · 5 plans20,209
    • UnitedHealth · 3 plans19,031
    • Health First Shared Services, Inc. · 2 plans6,324
    • Centene · 1 plans2,491
    • Elevance · 1 plans1,366
    • Health Care Service Corporation · 3 plans1,095

    The plans on sale in Florida for 2027

    Benefit design weighted by each plan’s members today, so a figure is what the market’s members are offered, not a count of plans. The rating is the 2027 overall Star Rating, weighted the same way.

    $0 premium
    98%

    of members are in a plan with no monthly premium

    In-network maximum
    $3,850

    median out-of-pocket maximum, member weighted

    Star Rating
    4.12

    2027 overall, member weighted

    Carrier Command · for Medicare Advantage plans

    The read on every carrier in Florida is in Carrier Command.

    A monthly position page for each of the 23 carriers here: risk and rebate against the market, Stars levers, the election-period forecast, county standing and the written read. Launching for Medicare Advantage plans.

    Request early access See Carrier Command

    Other states

    Every state has its own page; the largest carriers have one nationally.

    Humana in every state · UnitedHealth in every state · Elevance in every state · All states and carriers

    How these numbers are made

    • Members are visible members: CMS suppresses any plan-county cell of ten or fewer, so small counties undercount. Market share excludes employer group plans.
    • Enrollment is Oct 2026; the twelve months run Nov 2025 to Oct 2026; the election step compares December 2025 with January 2026.
    • Plan fates are the ones assigned for contract year 2027; benefit design is the 2027 filing; the rating is the 2027 overall Star Rating of each carrier's contracts, weighted by members in Florida.
    • A carrier is a parent organization; its brands in Florida may carry other names. The rank 1st to 23rd counts every parent with visible members in 2026.
    • Every figure comes from public CMS data as Livmor reads it, and the page is rebuilt when a new month posts. Livmor Carrier Command, public CMS data.