Medicare Supplement in Okaloosa County, Florida. About 46,882 Medicare beneficiaries live here, with roughly 35 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.
Okaloosa County Medicare Supplement — quick answer
Okaloosa County, FL has 46,882 Medicare beneficiaries per CMS Q1 2024 data, with about 35% enrolled in Medicare Advantage. The top medicare supplement carriers are Humana, UnitedHealthcare, Florida Blue. We compare these plans for free and never charge a fee.
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The Okaloosa County medicare supplement market
At roughly 35% MA penetration, most of Okaloosa County's 46,882 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. 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 18 Medicare Advantage plans are available in Okaloosa County, so a side-by-side comparison genuinely matters. Medicare Advantage enrollment figures reflect the latest CMS data (May 2026).
Okaloosa County at a glance
Population (2024 ACS)
220,500
Medicare beneficiaries
46,882
MA penetration
35%
Age 65 or older
17%
What makes Okaloosa County different: Okaloosa County is one of Florida's most military-concentrated counties, home to Eglin Air Force Base and Hurlburt Field, which drives a large TRICARE-eligible retiree base; its Medicare Advantage penetration is relatively low (~34-35% of ~32,000 beneficiaries, with Fort Walton Beach measured at 33.94%), well under Florida's 60% average.
Top Medicare Advantage plans in Okaloosa County
Humana
4-star CMS rating
UnitedHealthcare
4-star CMS rating
Florida Blue (BlueMedicare)
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 Okaloosa County
Each Medicare Supplement plan builds its own provider network — a hospital that's in-network
on one plan may be out-of-network on another. Okaloosa 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
▸HCA Florida Fort Walton-Destin Hospital (Fort Walton Beach)
▸North Okaloosa Medical Center (Crestview)
▸HCA Florida Twin Cities Hospital (Niceville)
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 Okaloosa County: Florida SHINE - Okaloosa — 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 Fort Walton-Destin Hospital (Fort Walton Beach), North Okaloosa Medical Center (Crestview), HCA Florida Twin Cities Hospital (Niceville)
Frequently Asked Questions
How many Medicare beneficiaries live in Okaloosa County?▾
About 46,882 Floridians in Okaloosa County are enrolled in Medicare as of May 2026 CMS data. About 35% are in Medicare Advantage plans; the rest are in Original Medicare (with or without Medigap).
Who are the top Medicare carriers in Okaloosa County?▾
The largest carriers in Okaloosa County are Humana, UnitedHealthcare, Florida Blue (BlueMedicare), 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 Okaloosa County?▾
Florida SHINE - Okaloosa (1-800-963-5337) provides free unbiased Medicare counseling. Major hospitals in the county include HCA Florida Fort Walton-Destin Hospital (Fort Walton Beach), North Okaloosa Medical Center (Crestview), HCA Florida Twin Cities Hospital (Niceville).
How many Medicare Advantage plans are available in Okaloosa County?▾
As of May 2026, about 18 Medicare Advantage plans are available to Okaloosa 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.
How does the low Medicare Advantage penetration affect me?▾
With only about 34-35% of beneficiaries in Medicare Advantage, Okaloosa County offers a unique opportunity to explore Medicare Supplement plans that can fill gaps in Original Medicare. Local carriers like Humana and Florida Blue provide comprehensive coverage options.
When is the best time to enroll?▾
Annual Enrollment Period (AEP) from Oct 15 to Dec 7 is ideal for reviewing your options, but you can also enroll during Open Enrollment Periods or Special Enrollment Periods if you have a life event. Matt can help guide you through the process.
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Educational only — not medical or legal advice. We do not offer every plan in your area. Call 1-800-MEDICARE for all options.
