Hillsborough County at a glance
- Population (2024 ACS)
- 1,505,000
- Medicare beneficiaries
- 271,957
- MA penetration
- 63%
- Age 65 or older
- 14%
What makes Hillsborough County different: ACA + MA combo market — Tampa is FL's #2 ACA county after Miami-Dade.
Medicare Advantage in Hillsborough County, Florida. About 271,957 Medicare beneficiaries live here, with roughly 63 percent in Medicare Advantage plans. Top carriers include Humana Gold Plus H1036 and Cigna TotalCare H5410. For free help comparing plans, call Giron Agency, a licensed Florida agency, or visit gironagency.com.
Hillsborough County Medicare Advantage Plans
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Matt Giron
Licensed in Texas
Hillsborough County Medicare Advantage — quick answer
Hillsborough County, FL has 271,957 Medicare beneficiaries per CMS Q1 2024 data, with about 63% enrolled in Medicare Advantage. The top medicare advantage carriers are Humana Gold Plus H1036, Cigna TotalCare H5410, WellCare Premier. We compare these plans for free and never charge a fee.
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The Hillsborough County medicare advantage market
Hillsborough County posts one of the highest Medicare Advantage adoption rates in Florida — roughly 63% of its 271,957 beneficiaries chose an MA plan over Original Medicare. That level of uptake usually means carriers compete hard locally, so the extra benefits (dental, OTC allowance, transportation, gym) tend to be richer than the Florida average. Only 14% of Hillsborough residents are 65 or older, so it's a younger county where fewer agents specialize in Medicare locally — exactly the gap a dedicated Florida agent fills. Humana Gold Plus H1036 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 41 Medicare Advantage plans are available in Hillsborough County, so a side-by-side comparison genuinely matters. Medicare Advantage enrollment figures reflect the latest CMS data (May 2026).
Top Medicare Advantage plans in Hillsborough County
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Humana Gold Plus H1036 (HMO)
4-star CMS rating
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Cigna TotalCare H5410 (HMO D-SNP)
4-star CMS rating
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WellCare Premier (HMO)
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 Hillsborough 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. Hillsborough County has 3 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
- Tampa General Hospital
- AdventHealth Tampa
- St. Joseph's Hospital
Call each hospital's billing office directly — or use the carrier's network tool on the right to search by hospital name.
Top Hillsborough carriers — network lookup
- Humana Gold Plus H1036 4★
Humana provider finder ↗ - Cigna TotalCare H5410 4★
Cigna provider directory ↗ - WellCare Premier 4★
Search "WellCare Premier provider directory" or call the carrier directly.
Free help in Hillsborough County: Florida SHINE — Hillsborough — 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.
Check SEP eligibility (15-min) →Want to talk it through?
Pick a time on Matt's calendar — 15 minutes, no sales pressure, no obligation. We'll walk through the Hillsborough County plans that fit your situation.
Local resources in Hillsborough County
- SHIP counseling: Florida SHINE — Hillsborough — 1-800-963-5337
- Major hospitals: Tampa General Hospital, AdventHealth Tampa, St. Joseph's Hospital
Frequently Asked Questions
How many Medicare beneficiaries live in Hillsborough County?
About 271,957 Floridians in Hillsborough County are enrolled in Medicare as of May 2026 CMS data. About 63% are in Medicare Advantage plans; the rest are in Original Medicare (with or without Medigap).
Who are the top Medicare carriers in Hillsborough County?
The largest carriers in Hillsborough County are Humana Gold Plus H1036 (HMO), Cigna TotalCare H5410 (HMO D-SNP), WellCare Premier (HMO). 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 Hillsborough County?
Florida SHINE — Hillsborough (1-800-963-5337) provides free unbiased Medicare counseling. Major hospitals in the county include Tampa General Hospital, AdventHealth Tampa, St. Joseph's Hospital.
How many Medicare Advantage plans are available in Hillsborough County?
As of May 2026, about 41 Medicare Advantage plans are available to Hillsborough County residents, led by Humana Inc., UnitedHealth Group, Inc., Elevance Health, Inc., CVS Health Corporation. We compare all of them side by side at no cost.
How does Medicare Advantage work differently here compared to other areas?
In Hillsborough County, you'll find a unique combination of ACA and MA plans, making it distinct from other Florida counties like Miami-Dade. This area offers more options with carriers like Humana Gold Plus H1036 and Cigna TotalCare H5410.
When can I enroll in Medicare Advantage?
You can enroll during the Annual Enrollment Period (AEP) from October 15 to December 7, or during Special Enrollment Periods (SEPs) if you have a life-changing event. Always get personalized advice from a local agent.