Kissimmee-area carriers, real enrollment data, free quotes from a licensed Florida agent.
✓ Free • no obligation • about 90 seconds
Matt Giron
Licensed in Texas
Osceola County, FL has 77,385 Medicare beneficiaries per CMS Q1 2024 data, with about 72% enrolled in Medicare Advantage. The top medicare advantage carriers are Humana, UnitedHealthcare, WellCare. We compare these plans for free and never charge a fee.
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Osceola County posts one of the highest Medicare Advantage adoption rates in Florida — roughly 72% of its 77,385 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 Osceola 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 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 34 Medicare Advantage plans are available in Osceola County, so a side-by-side comparison genuinely matters. Medicare Advantage enrollment figures reflect the latest CMS data (May 2026).
What makes Osceola County different: Osceola County has one of Florida's highest Medicare Advantage penetration rates — roughly 70-72% of its ~77,000 Medicare beneficiaries, second only to Miami-Dade (~80%); it is also among the state's fastest-growing and most Hispanic counties, with a large Puerto Rican community centered in Kissimmee and St. Cloud.
Humana
4-star CMS rating
UnitedHealthcare
4-star CMS rating
WellCare
3.5-star CMS rating
Freedom Health
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.
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. Osceola County has 2 major hospital systems. Before you enroll, check that your preferred hospital and physicians participate in the specific plan you're considering.
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 Osceola County: Florida SHINE - Osceola — 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.
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) →Pick a time on Matt's calendar — 15 minutes, no sales pressure, no obligation. We'll walk through the Osceola County plans that fit your situation.
About 77,385 Floridians in Osceola County are enrolled in Medicare as of May 2026 CMS data. About 72% are in Medicare Advantage plans; the rest are in Original Medicare (with or without Medigap).
The largest carriers in Osceola County are Humana, UnitedHealthcare, WellCare, Freedom Health. We work with all of them and a few smaller carriers that often have better rates for specific situations.
Florida SHINE - Osceola (1-800-963-5337) provides free unbiased Medicare counseling. Major hospitals in the county include HCA Florida Osceola Hospital (Kissimmee), AdventHealth Kissimmee.
As of May 2026, about 34 Medicare Advantage plans are available to Osceola County residents, led by Humana Inc., Elevance Health, Inc., UnitedHealth Group, Inc., Centene Corporation. We compare all of them side by side at no cost.
Osceola County boasts one of Florida's highest Medicare Advantage penetration rates, with over 70% of beneficiaries choosing this plan. This reflects the county’s diverse population and its large Puerto Rican community centered in Kissimmee and St. Cloud.
You can enroll during Annual Enrollment Period (AEP) from Oct 15 to Dec 7, or Special Enrollment Periods (SEPs) if you have a qualifying life event like moving to Osceola County.
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