Key takeaways
- 60% of Florida Medicare beneficiaries are enrolled in a Medicare Advantage plan.
- Nationally the share has moved from 19% in 2007 to 55% in 2026.
- Within Florida the range runs from 21% in Monroe County to 80% in Miami-Dade.
- Original Medicare has no annual out-of-pocket limit on its own, which is the gap Advantage and Medigap each address differently.
Medicare Advantage now covers 60% of Medicare beneficiaries in Florida, placing the state among seven where at least three in five have moved off Original Medicare. Nationally, Advantage enrolment as a share of the eligible Medicare population has climbed from 19% in 2007 to 55% in 2026.
Medicare Advantage
How far Medicare Advantage has taken over
Share of eligible Medicare beneficiaries in an Advantage plan. Florida is one of seven states where at least 60% have moved across.
Share of beneficiaries
View the data as a table
| Category | In Medicare Advantage |
|---|---|
| United States, 2007 | 19% |
| United States, 2026 | 55% |
| Florida, latest | 60% |
The county spread is the part that matters locally
A statewide share hides how different two Florida counties can be. Advantage penetration runs from 21% in Monroe County to 80% in Miami-Dade. Plan availability, provider networks and extra benefits are set county by county, so a plan a neighbour recommends may not be sold where you live.
What both routes are answering
On covered Part B services, after the deductible, Medicare pays 80% of the approved amount and the beneficiary pays the rest. Original Medicare on its own puts no annual ceiling on what that 20% can add up to.
Original Medicare
The 20% gap that Medigap and Advantage both answer
On covered Part B services, after the deductible, Medicare pays 80% of the approved amount and you pay the rest.
View the data as a table
| Category | Medicare pays | You pay |
|---|---|---|
| Part B approved amount | 80% | 20% |
Florida Medicare
How Florida's Medicare population divides
Six in ten Florida beneficiaries have moved to a Medicare Advantage plan; the rest stay on Original Medicare.
View the data as a table
| Category | Share of beneficiaries |
|---|---|
| Medicare Advantage | 60% |
| Original Medicare | 40% |
- Florida in Advantage
- 60%
- Lowest county
- 21%
- Highest county
- 80%
of Medicare beneficiaries statewide
Monroe County
Miami-Dade County
| Where | Share in Advantage (%) |
|---|---|
| Miami-Dade County | 80 |
| Florida, statewide | 60 |
| United States, 2026 | 55 |
| United States, 2007 | 19 |
| Monroe County | 21 |
Medicare Advantage answers that by bundling coverage with an out-of-pocket maximum and a network. Medigap answers it by paying some of the cost sharing Original Medicare leaves behind. Which fits depends on your doctors, your prescriptions, how much you travel and what you can carry in a bad year.
Sources
Checked . Figures are published by the organisations below; confirm the current year before relying on any of them.
