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Medicare Advocates
Florida · 2026

Medicare Advantage Plans in Bay County, Florida

For 2026, Bay County, Florida has 21 Medicare Advantage plans, an average premium of $4.00/mo, and an average 3.9-star CMS rating. Plans are offered by Cigna Healthcare, Humana, and UnitedHealthcare. Compare them below and talk to a licensed Medicare Advocate to find the right fit.

Plans available
21
Avg. premium
$4.00/mo
Avg. star rating
3.9
Carriers
3
Talk to an Advocate

21 2026 plans in Bay County

PlanCarrierTypePremiumStar
Humana Total Complete H1036-143 (HMO)HumanaHMO$04.5★
Humana Gold Plus SNP-DE H1036-314 (HMO D-SNP)HumanaHMO D-SNP$04.5★
Humana Dual Integrated (HMO D-SNP)HumanaHMO D-SNP$04.5★
AARP Medicare Advantage from UHC FL-0008 (HMO-POS)UnitedHealthcareHMO-POS$04.5★
Humana Full Access Giveback H7617-111 (PPO)HumanaPPO$04.5★
AARP Medicare Advantage from UHC FL-0016 (PPO)UnitedHealthcarePPO$04★
UHC Dual Complete FL-D006 (HMO-POS D-SNP)UnitedHealthcareHMO-POS D-SNP$03.5★
UHC Dual Complete FL-Y5 (HMO-POS D-SNP)UnitedHealthcareHMO-POS D-SNP$03.5★
Humana Value Choice H5216-070 (PPO)HumanaPPO$03.5★
Humana Full Access Giveback H5216-393 (PPO)HumanaPPO$03.5★
HealthSpring Preferred (HMO)Cigna HealthcareHMO$03.5★
UHC Dual Complete FL-D003 (PPO D-SNP)UnitedHealthcarePPO D-SNP$4.804★
UHC Dual Complete FL-Y4 (PPO D-SNP)UnitedHealthcarePPO D-SNP$4.804★
HumanaChoice Florida SNP-DE H5216-394 (PPO D-SNP)HumanaPPO D-SNP$4.803.5★
HumanaChoice Florida H7284-009 (PPO)HumanaPPO$39.003.5★
Humana USAA Honor Giveback (HMO)HumanaHMO4.5★
Humana USAA Honor Giveback (PPO)HumanaPPO4.5★
AARP Medicare Advantage Patriot No Rx FL-MA2 (PPO)UnitedHealthcarePPO4★
Humana USAA Honor Giveback (PPO)HumanaPPO3.5★
Humana USAA Honor Giveback (PPO)HumanaPPO3.5★
HealthSpring Courage (HMO)Cigna HealthcareHMO3.5★

2026 plan-year data from CMS for the carriers we represent — we do not offer every plan available in your area. Premiums and availability vary by exact location.

Common questions

How many Medicare Advantage plans are available in Bay County, FL?
For the 2026 plan year, 21 Medicare Advantage plans are available in Bay County from the carriers we represent.
What is the average Medicare Advantage premium in Bay County?
The average monthly premium across available plans is about $4.00 for 2026. Many plans have a $0 premium. Your exact cost depends on the plan you choose.
Which insurance companies offer Medicare Advantage plans in Bay County?
Plans are offered by Cigna Healthcare, Humana, and UnitedHealthcare.
How do I enroll in a Medicare Advantage plan in Bay County?
Call to speak with a licensed Medicare Advocate who can compare every plan available at your address at no cost. Enrollment may be limited to certain times of year unless you qualify for a Special Enrollment Period or you are in your Medicare Initial Enrollment Period.

Nearby counties in Florida

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