Medicare Advantage in Putnam County, Florida. About 22,097 Medicare beneficiaries live here, with roughly 58 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.
Putnam County, FL has 22,097 Medicare beneficiaries per CMS Q1 2024 data, with about 58% 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 Putnam County medicare advantage market
About 58% of Putnam County's 22,097 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 16 Medicare Advantage plans are available in Putnam County, so a side-by-side comparison genuinely matters. Medicare Advantage enrollment figures reflect the latest CMS data (May 2026).
Putnam County at a glance
Population (2024 ACS)
78,295
Medicare beneficiaries
22,097
MA penetration
58%
Age 65 or older
24%
What makes Putnam County different: Putnam County is a rural, lower-income North Florida county on the St. Johns River whose economy leans on agriculture, forestry/paper production and the county seat of Palatka. About 24.4% of residents are 65 or older, and despite its rural profile Medicare Advantage penetration is high (~57%); HCA Florida Putnam Hospital in Palatka is the county's main acute-care provider.
Top Medicare Advantage plans in Putnam 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 Putnam 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. Putnam 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
▸HCA Florida Putnam Hospital (Palatka)
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 Putnam County: Florida SHINE — Putnam — 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: HCA Florida Putnam Hospital (Palatka)
Frequently Asked Questions
How many Medicare beneficiaries live in Putnam County?▾
About 22,097 Floridians in Putnam County are enrolled in Medicare as of May 2026 CMS data. About 58% are in Medicare Advantage plans; the rest are in Original Medicare (with or without Medigap).
Who are the top Medicare carriers in Putnam County?▾
The largest carriers in Putnam 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 Putnam County?▾
Florida SHINE — Putnam (1-800-963-5337) provides free unbiased Medicare counseling. Major hospitals in the county include HCA Florida Putnam Hospital (Palatka).
How many Medicare Advantage plans are available in Putnam County?▾
As of May 2026, about 16 Medicare Advantage plans are available to Putnam County residents, led by Humana Inc., UnitedHealth Group, Inc., Guidewell Mutual Holding Corporation, CVS Health Corporation. We compare all of them side by side at no cost.
How does Medicare Advantage work differently in rural Putnam County compared to urban areas?▾
In Putnam County, Medicare Advantage penetration is surprisingly high at about 57%, despite its rural nature. This unique situation means residents have access to comprehensive coverage bundled into Part C plans, which can be particularly beneficial given the county's reliance on agriculture and forestry.
When should I enroll in a Medicare Advantage plan?▾
You can enroll during Annual Enrollment Period (AEP) from October 15th to December 7th. Additionally, you may qualify for Special Enrollment Periods if there's a change in your health or coverage situation.
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