Medicare Advantage in Gulf County, Florida. About 4,539 Medicare beneficiaries live here, with roughly 48 percent in Medicare Advantage plans. Top carriers include Humana and UnitedHealthcare / AARP Medicare Advantage. For free help comparing plans, call Giron Agency, a licensed Florida agency, or visit gironagency.com.
Gulf County, FL has 4,539 Medicare beneficiaries per CMS Q1 2024 data, with about 48% enrolled in Medicare Advantage. The top medicare advantage carriers are Humana, UnitedHealthcare / AARP Medicare Advantage, Humana. We compare these plans for free and never charge a fee.
Prefer to listen?
Free audio version, generated on demand by Google Cloud Text-to-Speech.
The Gulf County medicare advantage market
About 48% of Gulf County's 4,539 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 (24% 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 12 Medicare Advantage plans are available in Gulf County, so a side-by-side comparison genuinely matters. Medicare Advantage enrollment figures reflect the latest CMS data (May 2026).
Gulf County at a glance
Population (2024 ACS)
15,876
Medicare beneficiaries
4,539
MA penetration
48%
Age 65 or older
24%
What makes Gulf County different: Despite Florida leading the nation with roughly 57-60% of its Medicare population in Medicare Advantage, only about one-third (33%) of Gulf County's 4,405 Medicare beneficiaries choose MA, and the entire county is served by a single 19-bed rural hospital, Ascension Sacred Heart Gulf in Port St. Joe (Medicare CCN 100313), reflecting the limited provider networks of Florida's rural Panhandle.
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 Gulf 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. Gulf County has 1
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
▸Ascension Sacred Heart Gulf (Port St. Joe)
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 Gulf County: Florida SHINE — Gulf — 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: Ascension Sacred Heart Gulf (Port St. Joe)
Frequently Asked Questions
How many Medicare beneficiaries live in Gulf County?▾
About 4,539 Floridians in Gulf County are enrolled in Medicare as of May 2026 CMS data. About 48% are in Medicare Advantage plans; the rest are in Original Medicare (with or without Medigap).
Who are the top Medicare carriers in Gulf County?▾
The largest carriers in Gulf County are Humana (Full Access Giveback H5216-393 PPO), UnitedHealthcare / AARP Medicare Advantage (FL-0016 PPO), Humana (Full Access Giveback H7617-111 PPO). 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 Gulf County?▾
Florida SHINE — Gulf (1-800-963-5337) provides free unbiased Medicare counseling. Major hospitals in the county include Ascension Sacred Heart Gulf (Port St. Joe).
How many Medicare Advantage plans are available in Gulf County?▾
As of May 2026, about 12 Medicare Advantage plans are available to Gulf County residents, led by Humana Inc., UnitedHealth Group, Inc., Guidewell Mutual Holding Corporation, Elevance Health, Inc.. We compare all of them side by side at no cost.
Hey 👋 — I'm trained on every page of gironagency.com. Ask me anything
about Medicare, ACA, or life insurance and I'll cite the exact source. For specific quotes or applications, I'll send you to Matt.
Try one of these
Educational only — not medical or legal advice. We do not offer every plan in your area. Call 1-800-MEDICARE for all options.
