Medicare costs · Florida · 2026
How Much Does Medicare Cost in Florida? (2026)
What Medicare costs in Florida depends on the path you choose. Everyone pays the federal Part B premium ($202.90/month in 2026). A Medicare Advantage plan can be $0 in premium (Florida has one of the most competitive MA markets in the country), while Original Medicare + a Medigap plan costs more monthly but keeps your bills very predictable. One Florida-specific fact: Medigap premiums here run higher than most states — a 65-year-old often sees Plan G around $230+/month — so it pays to shop carefully.
Typical 2026 ranges, reviewed by the licensed agents at Giron Agency. Your exact rate depends on age, ZIP, gender, tobacco, and health — we pull live quotes free.
2026 Medicare costs in Florida
| What | Typical 2026 cost | Notes |
|---|---|---|
| Medicare Part B premium | $202.90/mo | Federal; higher for high earners (IRMAA) |
| Part B deductible | $283/yr | Then 20% coinsurance with no cap on Original Medicare alone |
| Medicare Advantage premium | $0–$40/mo | Very common $0 plans in Miami, Tampa, Orlando, Jacksonville |
| MA out-of-pocket max | up to $9,250/yr | In-network cap that protects you |
| Medigap Plan G | $230–$320/mo | Higher than most states — shop it carefully |
| Medigap Plan N | ~$190–$270/mo | Lower premium; small copays at the doctor/ER |
| Part D drug plan | $0–$60/mo | 2026 out-of-pocket drug cap is $2,100/yr |
| Final expense (burial) | ~$30–$85/mo | For $10k–$15k of coverage, by age & health |
What changes your price
- •Your age and ZIP code
- •Gender and tobacco use (for Medigap and life policies)
- •Which path and plan you choose (Advantage vs. Medigap + Part D)
- •For Medigap: whether you apply during your no-health-questions window or later (underwriting)
- •Your income — high earners pay more for Part B (IRMAA); lower incomes get ACA/Extra Help
Florida note: Florida Medigap is among the pricier in the country, which pushes many shoppers toward the state's plentiful $0-premium Medicare Advantage plans. But if you travel or split time between states, Medigap's go-anywhere design can still be worth the higher premium — we'll run the numbers both ways.
Get your real Florida number
Ranges are a start — your actual price depends on you. We'll pull live quotes for your age and ZIP and compare every option, free.
Frequently Asked Questions
Why is Medigap so expensive in Florida?
Florida's older, higher-claims population and rating rules push Medigap premiums above most states — Plan G commonly runs $230+/month at 65. That's why many Floridians compare a $0-premium Medicare Advantage plan against Medigap before deciding. We show you both.
Are there $0 Medicare Advantage plans in Florida?
Yes — Florida has one of the highest Medicare Advantage take-up rates in the U.S., so $0-premium plans are everywhere (you still pay the Part B premium). Watch networks, copays, and drug coverage — '$0' isn't the whole cost story.
How much does Medicare really cost per month in Florida?
At minimum the Part B premium ($202.90 in 2026). On a $0 Advantage plan that may be most of your fixed cost; on Original Medicare + Medigap + Part D, add roughly $230+ (Plan G) plus a drug plan. We compare your real total for free.