Medicare Advantage in Flagler County, Florida. About 47,657 Medicare beneficiaries live here, with roughly 56 percent in Medicare Advantage plans. Top carriers include Humana and UnitedHealthcare. For free help comparing plans, call Giron Agency, a licensed Florida agency, or visit gironagency.com.
Flagler County, FL has 47,657 Medicare beneficiaries per CMS Q1 2024 data, with about 56% enrolled in Medicare Advantage. The top medicare advantage carriers are Humana, UnitedHealthcare, Aetna. We compare these plans for free and never charge a fee.
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The Flagler County medicare advantage market
About 56% of Flagler County's 47,657 Medicare beneficiaries are in Medicare Advantage — right around the national norm — so you'll find a genuine mix of competitive MA plans and Medigap options here rather than a one-sided market. The county skews older than the Florida average (32% are 65 or older), which means heavy carrier competition and meaningful plan turnover each Annual Enrollment Period — a yearly review almost always pays off. Humana currently leads the county by enrollment, but the lowest total-cost plan for your specific drugs and doctors is often a smaller carrier — which is why we run all of them side by side instead of pushing the biggest name. Right now roughly 28 Medicare Advantage plans are available in Flagler County, so a side-by-side comparison genuinely matters. Medicare Advantage enrollment figures reflect the latest CMS data (May 2026).
Flagler County at a glance
Population (2024 ACS)
144,436
Medicare beneficiaries
47,657
MA penetration
56%
Age 65 or older
32%
What makes Flagler County different: Flagler County is one of Florida's most retiree-heavy counties — about 31.8% of residents are 65 or older, far above the state's 21.8% — driven by the planned community of Palm Coast. Healthcare is centered on AdventHealth Palm Coast, the first hospital built in the county and one of its largest employers, now joined by a second campus, AdventHealth Palm Coast Parkway.
Top Medicare Advantage plans in Flagler County
Humana
4-star CMS rating
UnitedHealthcare
4-star CMS rating
Aetna
3.5-star CMS rating
Devoted Health
4-star CMS rating
Source: CMS Monthly MA Enrollment by State/County/Contract (latest Q1 2024). Enrollment figures refresh monthly at data.cms.gov.
Before you enroll: verify your hospital + doctor in Flagler County
Each Medicare Advantage plan builds its own provider network — a hospital that's in-network
on one plan may be out-of-network on another. Flagler County has 2
major hospital systems. Before you enroll, check that your preferred hospital and physicians
participate in the specific plan you're considering.
Major hospitals to verify
▸AdventHealth Palm Coast
▸AdventHealth Palm Coast Parkway
Call each hospital's billing office directly — or use the carrier's
network tool on the right to search by hospital name.
Free help in Flagler County: Florida SHINE — Flagler — call 1-800-963-5337.
SHIP counselors offer free unbiased Medicare guidance and can run network checks at no cost.
Or skip the cross-checking — we run network checks against your prescriptions and doctors
at no cost during any consult.
Medicare AEP opens in 131 days
131 daysuntil open
Outside the windows, Special Enrollment Periods (SEP) still let you change plans if you moved, lost coverage, qualify for Extra Help / dual eligible, or had a plan terminated. Call to see if you qualify.
Major hospitals: AdventHealth Palm Coast, AdventHealth Palm Coast Parkway
Frequently Asked Questions
How many Medicare beneficiaries live in Flagler County?▾
About 47,657 Floridians in Flagler County are enrolled in Medicare as of May 2026 CMS data. About 56% are in Medicare Advantage plans; the rest are in Original Medicare (with or without Medigap).
Who are the top Medicare carriers in Flagler County?▾
The largest carriers in Flagler County are Humana, UnitedHealthcare, Aetna, Devoted Health. We work with all of them and a few smaller carriers that often have better rates for specific situations.
What SHIP resources are available in Flagler County?▾
Florida SHINE — Flagler (1-800-963-5337) provides free unbiased Medicare counseling. Major hospitals in the county include AdventHealth Palm Coast, AdventHealth Palm Coast Parkway.
How many Medicare Advantage plans are available in Flagler County?▾
As of May 2026, about 28 Medicare Advantage plans are available to Flagler County residents, led by Humana Inc., UnitedHealth Group, Inc., CVS Health Corporation, Guidewell Mutual Holding Corporation. We compare all of them side by side at no cost.
How does Medicare Advantage fit for retirees living in Flagler County?▾
Retirees make up over 31.8% of the population, making Medicare Advantage a popular choice. With top carriers like Humana and UnitedHealthcare serving Palm Coast, local residents can find plans tailored to their needs.
When is the best time to enroll in Medicare Advantage?▾
The Annual Enrollment Period (AEP) runs from October 15 to December 7. However, special enrollment periods may apply if you move or experience a life event. Consult with your local agent for personalized advice.
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