2026 Florida Enrollment Active
![15[1].png](https://static.wixstatic.com/media/c8cb81_fa13ac16afb643d49dbb481a4a575633~mv2.png/v1/fill/w_980,h_949,al_c,q_90,usm_0.66_1.00_0.01,enc_avif,quality_auto/15%5B1%5D.png)
Compare 2026 Medicare Supplement Plans
Don't overpay for your coverage. Compare Plan F, G, and N from top-rated carriers and find the lowest rates in your area for the 2026 plan year.
Independent Medicare Supplement Guidance
The Broker Advantage
Same Medicare Benefits. Very Different Prices.
Medicare Supplement (also called “Gap Insurance”) benefits are standardized by the federal government. That means a Plan G provides the exact same medical coverage no matter which insurance company you choose. The real differences are what you pay each month, how often rates increase, and how stable the company is long-term. That’s where independent guidance matters.
How an Independent Broker Protects You
You pay nothing extra
I compare 20+ top-rated Medicare Supplement carriers available in Florida to find the most competitive option for your age, ZIP code, and household situation.
I track rate increase history
I compare 20+ top-rated Medicare Supplement carriers available in Florida to find the most competitive option for your age, ZIP code, and household situation.
I shop the entire market
I compare 20+ top-rated Medicare Supplement carriers available in Florida to find the most competitive option for your age, ZIP code, and household situation.
You keep the same Medicare benefits — the goal is better pricing, better stability, and fewer surprises.
Comparison
Two Medicare Paths — Very Different Tradeoffs
Medicare Advantage and Medicare Supplement are not competing “plans.” They are different structural approaches with different priorities.
Medicare Advantage
Managed-care approach with lower upfront premiums and built-in coordination.
Monthly cost focus
Define the rules, windows, and major paths in plain language.
Network-based care
Doctors and facilities typically operate within a defined network.
Built-in extras
May include dental, vision, or wellness benefits.
Medicare Supplement
Predictability-focused approach designed to minimize surprises.
Stable costs
Higher premiums in exchange for fewer out-of-pocket surprises.
Broad provider access
Typically accepted anywhere Medicare is accepted.
Long-term consistency
Fewer changes year to year compared to managed plans.
Neither path is “better.” The right choice depends on your preferences, health, and tolerance for change.
2025 FLORIDA RATE SNAPSHOT
What Medicare Supplement Plans Cost in Florida
Below are sample 2025 monthly premiums for a 65-year-old female, non-smoker. Rates vary by county, age, and household discounts, but this gives you a realistic baseline.
Florida City | Plan G (Monthly) | Plan N (Monthly) |
|---|---|---|
101236 | Polar | $2365 |
101237 | Sovix | $546 |
101238 | Itaka | $123 |
101239 | Hexa | $10590 |
101240 | Targo | $11800 |
101241 | Hera | $5698 |
101242 | Axes | $7801 |
Important: Because Medicare Supplement benefits are standardized, a Plan G or Plan N provides the same medical coverage regardless of the company. The difference is price today and how often rates increase over time. That’s why comparing Florida carriers matters.
These examples do not include potential household discounts (often 5%–12%) or rate stability considerations. A personalized Florida rate comparison can identify lower-cost options and help avoid future premium spikes.
LONG-TERM COST PROTECTION
Why Rate History Matters More Than the Lowest Price
Medicare Supplement benefits never change — but premiums often do. Some insurance companies keep rates stable for years, while others increase premiums aggressively over time.
In Florida, switching plans later usually requires medical underwriting. That means your first carrier choice can have long-term cost consequences. This is where independent analysis protects you.
Important: The cheapest plan today isn’t always the most affordable plan five years from now. Stability protects your budget.
Ongoing annual reviews.
I don’t enroll you and disappear. I offer free annual rate reviews to ensure your plan remains competitive as Florida markets change.
Policy block structure.
Some plans are closed to new members, which can lead to faster rate increases. I prioritize carriers with healthier, open risk pools.
How I Evaluate Rate Stability
SAVINGS MOST PEOPLE MISS
Florida Household Discounts Can Lower Your Premium
Many Medicare Supplement carriers in Florida offer a Household Discount — but it’s rarely explained clearly. When applied correctly, this discount can reduce your monthly premium by 5% to 12%.
Because benefits are identical across companies, choosing a carrier with a strong household discount can create meaningful long-term savings without changing coverage.
Advisor tip: I factor household discounts into every Florida rate comparison to ensure you’re not overpaying simply because a carrier didn’t volunteer the option.
Long-term savings:
On a $200 monthly premium, a 10% household discount can save $240 per year — and more over time.
Residency requirement:
Typically requires living together for at least 12 months, depending on the insurance company.
Who qualifies:
Many carriers apply the discount if you live with another adult (18+) — even if that person is not on Medicare.
How Household Discounts Work in Florida
2025 PRESCRIPTION DRUG UPDATE
Part D Changed in 2025 — Here’s What Matters
Medicare Supplement (Gap Insurance) does not include prescription drug coverage. In 2025, Part D rules changed in a big way — and understanding them helps you avoid surprises.
$2,000 Annual Out-of-Pocket Cap
In 2025, your yearly out-of-pocket spending for covered Part D prescription drugs is capped at $2,000. Once you hit the cap, you pay $0 for covered Part D drugs for the rest of the calendar year.
This applies to drugs covered by your Part D plan (not Part B drugs given in a clinic).
The “Donut Hole” Phase Is Eliminated
The coverage gap (“donut hole”) is no longer a separate phase in 2025. The benefit is simplified, and costs move toward the $2,000 cap.
Translation: fewer confusing stages — and a clear maximum out-of-pocket limit.
My role (simple): When you choose a Medicare Supplement plan, I also help you pair it with a Part D plan based on your medications — so your medical coverage and prescription coverage work together.
Optional: Spread Costs Across the Year
In 2025, many people can choose to spread prescription costs more evenly across monthly payments instead of getting hit with large pharmacy bills early in the year.
If this matters for your budget, I’ll walk you through the option when we review your prescriptions.
Bottom line: Medicare Supplement protects your medical costs under Original Medicare. Part D protects your prescription costs — and 2025 rules make it more predictable. A quick medication review can prevent avoidable spending.
FLORIDA RIGHTS & SWITCHING RULES
When You Can Enroll — And When Health Questions Apply
In Florida, your Medicare Supplement choice is often a long-term decision. Some situations allow you to enroll (or switch) without medical underwriting, while others can involve health questions.
My job is to help you choose correctly the first time and understand your Florida options before you make a move. (This is educational information — specific eligibility can depend on your exact situation.)
Florida Switching Guide (Simple)
Tap each item to see the practical rule — in plain language.
The strongest time to enroll is typically when you first get Medicare Part B (your Medigap Open Enrollment window). During this period, companies generally can’t use health questions to decline you.
Some situations can trigger guaranteed issue protections (meaning you may be able to buy certain Medigap coverage without medical underwriting). Examples can include losing certain types of coverage.
-
If you’re coming off certain group coverage, there can be time-limited protections under Florida law.
-
These are time-sensitive — missing the window can change your options.
-
Some states offer special annual switching windows (often called “birthday rules”). Florida is not commonly included in those state lists, so it’s smart to plan your Medigap choice as a longer-term decision.
Florida Medigap policies include a 30-day free look period after delivery. Practically: you can review the new policy and confirm it’s right before fully committing.
Florida Medigap policies include a 30-day free look period after delivery. Practically: you can review the new policy and confirm it’s right before fully committing.
Important: The cheapest plan today isn’t always the most affordable plan five years from now. Stability protects your budget.
Florida law includes specific provisions tied to Medigap availability for people eligible for Medicare under 65 due to disability or ESRD. If this applies to you, your plan options and pricing can differ — and timing matters.
FINANCIAL STABILITY MATTERS
Strong Companies. Long-Term Claims Protection.
Medicare Supplement benefits are standardized — but the insurance company you choose matters for long-term rate stability and claims-paying ability. I work with established carriers that have strong financial ratings and long histories in Florida.
UnitedHealthcare (AARP)
AM Best: A+
UnitedHealthcare (AARP)
AM Best: A+
UnitedHealthcare (AARP)
AM Best: A+
UnitedHealthcare (AARP)
AM Best: A+
UnitedHealthcare (AARP)
AM Best: A+
UnitedHealthcare (AARP)
AM Best: A+
Why this matters: Medicare Supplement claims are paid for decades. Choosing a financially stable company helps protect you from disruptive changes, aggressive rate increases, or carrier exits down the road.
I am not tied to any single insurance company. My role is to compare pricing, rate history, and financial strength so you can make a confident long-term decision.
WHAT TO EXPECT
A Simple, No-Pressure Enrollment Process
Medicare decisions can feel overwhelming — the enrollment process shouldn’t. Here’s exactly how working together typically looks.
1
Free Consultation
We start with a conversation by phone, Zoom, or in person. I listen to your situation, timeline, and budget — no obligation.
2
Side-by-Side Comparison
I compare Florida Medicare Supplement plans across multiple carriers, factoring in pricing, household discounts, and rate history.
3
Easy, Secure Enrollment
If you decide to move forward, enrollment is handled electronically using secure, CMS-compliant tools. No paperwork hassles.
4
Ongoing Support
I remain your point of contact for questions, annual reviews, and future Medicare changes — not just the first enrollment.
No cost to you: My services are paid for by the insurance company you choose. You never pay broker fees or higher premiums for working with me.
You are always in control. Asking questions or requesting a comparison does not obligate you to enroll in any plan.
Framework
How Medicare Decisions Should Actually Be Made
Good Medicare decisions aren’t about finding a “best plan.” They’re about choosing a structure that matches how you live, spend, and think about risk.
Match the Structure to Your Life
The right Medicare setup aligns with your doctors, travel habits, prescription needs, and how much involvement you want managing coverage.
Key question: How hands-on do you want to be?
Start With Risk Tolerance
Some people value predictability. Others are comfortable trading certainty for lower monthly costs. Neither is right or wrong — but they lead to very different Medicare paths.
Key question: Do you prefer stable costs or variable exposure?
Understand Future Constraints
Medicare isn’t just about this year. Certain choices affect what you can change later — especially when health or underwriting become factors.
Key question: How important is long-term flexibility?
FRAMEWORK TAKEAWAY
Medicare works best when the structure matches your preferences — not when you chase the lowest price.
ABOUT YOUR FLORIDA BROKER
Independent. Licensed. Accountable.
I’m an independent, Florida-licensed insurance broker who helps Medicare beneficiaries make confident, informed decisions — without pressure or confusion.
Because I’m independent, I’m not tied to any one insurance company. That allows me to compare Medicare Supplement options objectively and focus on long-term value, not short-term sales.
National Producer Number (NPN):
18260488
Compliance & Security:
Uses CMS-compliant enrollment tools and secure electronic applications. Personal information is never requested via unencrypted email.
Verify my license:
You can independently confirm my license status on the Florida Department of Financial Services website .
I believe trust is earned through transparency, education, and accountability — not pressure or sales tactics.
Professional Credentials & Verification
Florida Insurance License:
Licensed & regulated by the Florida Department of Financial Services
READY WHEN YOU ARE
Get No-Cost Help Comparing Medicare Supplement Plans
Whether you’re just starting to research or ready to compare rates, I’m here to help you understand your Florida options — clearly and without pressure.
No obligation to enroll
No broker fees or added cost
Independent, Florida-licensed guidance
Compliance & Disclosures
Official Medicare Plan disclosures and data privacy information.
Medicare Plan Disclosure: We do not offer every plan available in your area. Currently, we represent multiple insurance organizations that offer a variety of Medicare-related products. To review all of your Medicare options, please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP).
Privacy and Data Use
Any information you provide is used only to respond to your request. Your data is never sold, and written consent is required before it is shared for marketing purposes.
Licensing & Overnsight
Licensed Florida Insurance Agent regulated by the Florida Department of Financial Services (FLDFS). You may verify license status through the official state license search.
Enrollment Security
We use secure electronic Scope of Appointment (SOA) tools for Medicare discussions. Enrollment follows CMS guidelines, with no obligation to enroll in any plan.
GUARDRAILS
How to Use This Page
The point isn’t to “find the best plan.” The point is to make sure you understand the tradeoffs before you pick a direction.
THIS PAGE WILL
Explain the structure clearly
demystify medicare
Define the rules, windows, and major paths in plain language.
Reveal the tradeoffs
Explain what marketing typically leaves out—calmly and fairly.
Give a decision framework
Help you decide based on your real-life preferences.
THIS PAGE WILl not
Do marketing or pressure
Promise “best” or “cheapest”
Those claims are usually oversimplifications—and often risky.
Hide the tradeoffs
Every path has pros and cons. You deserve the full picture.
Rush decisions
Good Medicare decisions are calm decisions.
Mistakes
The Medicare Mistakes That Cost People the Most
Most problems come from missing context—not bad intentions. These are the patterns that create regret later.
Treating Medicare Like Ordinary Annual Insurance
Some decisions are easy to adjust annually. Others establish your long-term structure. Medicare is different because certain choices can shape flexibility for years.
Assuming You Can “Just Switch Later”
Sometimes switching is simple. Other times, it isn’t. Health, underwriting, and timing can matter. Understanding the constraints early prevents regret.
Choosing Based Only on Monthly Premium
Low premiums can trade predictability for uncertainty. Higher premiums can buy stability and flexibility. The mistake is choosing on price before understanding what you’re giving up.
The point
Medicare decisions should be made with calm clarity — not marketing pressure or rushed comparisons.
TEXT ME
BOOK CALL
QUOTE
SERVICES
HOME