Medicare Advantage in Monroe County, Florida. About 19,201 Medicare beneficiaries live here, with roughly 19 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.
Monroe County, FL has 19,201 Medicare beneficiaries per CMS Q1 2024 data, with about 19% 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 Monroe County medicare advantage market
At roughly 19% MA penetration, most of Monroe County's 19,201 Medicare beneficiaries stay on Original Medicare, frequently paired with a Medigap policy. That pattern usually signals retirees here prize provider choice and predictable out-of-pocket costs over the lower premiums of MA. The county skews older than the Florida average (26% 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 9 Medicare Advantage plans are available in Monroe County, so a side-by-side comparison genuinely matters. Medicare Advantage enrollment figures reflect the latest CMS data (May 2026).
Monroe County at a glance
Population (2024 ACS)
80,900
Medicare beneficiaries
19,201
MA penetration
19%
Age 65 or older
26%
What makes Monroe County different: Monroe County — the Florida Keys — has the lowest Medicare Advantage penetration of any county in Florida, roughly 19-21% versus a statewide ~60%, because the geographically isolated island chain supports few MA networks, leaving most seniors on Original Medicare plus a supplement. Its hospitals are spread across the Keys: Lower Keys Medical Center in Key West, Baptist Health Mariners Hospital in the Upper Keys, and Baptist Health Fishermen's Community Hospital in Marathon.
Top Medicare Advantage plans in Monroe County
Humana
4-star CMS rating
UnitedHealthcare
4-star CMS rating
Aetna
3.5-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 Monroe 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. Monroe 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
▸Lower Keys Medical Center (Key West)
▸Baptist Health Mariners Hospital (Tavernier)
▸Baptist Health Fishermen's Community Hospital (Marathon)
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 Monroe County: Florida SHINE — Monroe — 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: Lower Keys Medical Center (Key West), Baptist Health Mariners Hospital (Tavernier), Baptist Health Fishermen's Community Hospital (Marathon)
Frequently Asked Questions
How many Medicare beneficiaries live in Monroe County?▾
About 19,201 Floridians in Monroe County are enrolled in Medicare as of May 2026 CMS data. About 19% are in Medicare Advantage plans; the rest are in Original Medicare (with or without Medigap).
Who are the top Medicare carriers in Monroe County?▾
The largest carriers in Monroe County are Humana, UnitedHealthcare, Aetna. 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 Monroe County?▾
Florida SHINE — Monroe (1-800-963-5337) provides free unbiased Medicare counseling. Major hospitals in the county include Lower Keys Medical Center (Key West), Baptist Health Mariners Hospital (Tavernier), Baptist Health Fishermen's Community Hospital (Marathon).
How many Medicare Advantage plans are available in Monroe County?▾
As of May 2026, about 9 Medicare Advantage plans are available to Monroe County residents, led by UnitedHealth Group, Inc., Humana Inc., Guidewell Mutual Holding Corporation, CVS Health Corporation. We compare all of them side by side at no cost.
Why is Medicare Advantage less popular in Monroe County compared to other Florida counties?▾
Monroe County, home of the Florida Keys, has lower Medicare Advantage (MA) penetration at about 19-21% because it supports few MA networks due to its isolated island geography.
When can I enroll in a Part C plan for Monroe County?▾
You can enroll during the Annual Enrollment Period (AEP) from October 15 to December 7, or during Special Enrollment Periods if you have certain life changes.
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