Medicare Advantage in Santa Rosa County, Florida. About 44,620 Medicare beneficiaries live here, with roughly 46 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.
Santa Rosa County Medicare Advantage — quick answer
Santa Rosa County, FL has 44,620 Medicare beneficiaries per CMS Q1 2024 data, with about 46% 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 Santa Rosa County medicare advantage market
About 46% of Santa Rosa County's 44,620 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. 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 23 Medicare Advantage plans are available in Santa Rosa County, so a side-by-side comparison genuinely matters. Medicare Advantage enrollment figures reflect the latest CMS data (May 2026).
Santa Rosa County at a glance
Population (2024 ACS)
207,653
Medicare beneficiaries
44,620
MA penetration
46%
Age 65 or older
18%
What makes Santa Rosa County different: Santa Rosa County is anchored by Naval Air Station Whiting Field near Milton, one of the Navy's two primary fixed- and rotary-wing pilot-training bases, giving the county a large active-duty, veteran and military-retiree population. It is one of Florida's faster-growing counties, with the Navarre area its largest community; its 65-plus share (about 17.5%) sits well below Florida's 21.8% because of the working-age military presence.
Top Medicare Advantage plans in Santa Rosa County
Humana
4-star CMS rating
UnitedHealthcare
4-star CMS rating
Aetna
3.5-star CMS rating
Devoted Health
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 Santa Rosa 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. Santa Rosa 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
▸Santa Rosa Medical Center (Milton)
▸Gulf Breeze Hospital
▸Jay Hospital
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 Santa Rosa County: Florida SHINE — Santa Rosa — 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: Santa Rosa Medical Center (Milton), Gulf Breeze Hospital, Jay Hospital
Frequently Asked Questions
How many Medicare beneficiaries live in Santa Rosa County?▾
About 44,620 Floridians in Santa Rosa County are enrolled in Medicare as of May 2026 CMS data. About 46% are in Medicare Advantage plans; the rest are in Original Medicare (with or without Medigap).
Who are the top Medicare carriers in Santa Rosa County?▾
The largest carriers in Santa Rosa County are Humana, UnitedHealthcare, Aetna, Devoted Health. 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 Santa Rosa County?▾
Florida SHINE — Santa Rosa (1-800-963-5337) provides free unbiased Medicare counseling. Major hospitals in the county include Santa Rosa Medical Center (Milton), Gulf Breeze Hospital, Jay Hospital.
How many Medicare Advantage plans are available in Santa Rosa County?▾
As of May 2026, about 23 Medicare Advantage plans are available to Santa Rosa County residents, led by Humana Inc., UnitedHealth Group, Inc., Guidewell Mutual Holding Corporation, Health Care Service Corporation. We compare all of them side by side at no cost.
How does the high military presence affect Medicare Advantage options in Santa Rosa County?▾
Due to a large active-duty, veteran, and military-retiree population near Naval Air Station Whiting Field, there are often more specialized Medicare Advantage plans available. Local carriers like Humana offer tailored benefits that may cater to this demographic.
When can I enroll in Medicare Advantage in Santa Rosa County?▾
You can enroll during the Annual Enrollment Period (AEP) from October 15 to December 7, or through a Special Election Period if you have a qualifying life event. Always check with your local agent for personalized guidance.
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