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Medicare plans in Bay County, FL — 2026
What agents look up before working a county: plan count, carriers, $0-premium share, star distribution, MOOP range, the 65+ and 60–64 population, and what changed since last year.
In 2026, Bay County, Florida has 48 Medicare plans (14 Medicare Advantage with drug coverage, 9 without, 10 standalone Part D, 15 Special Needs) from 7 carriers. 16 Medicare Advantage plans have a $0 premium. The lowest in-network out-of-pocket maximum is $3,000.
Market snapshot
- Residents 65 and older
- 34,078
- Residents 60–64, aging in over the next five years
- 14,594
- Medicare eligibles
- 44,902
- Medicare Advantage penetration
- 43.1%
- Plans per 1,000 residents 65+
- 1.4
Carriers by number of plans
- Humana — 20 plans
- UnitedHealthcare — 12 plans
- Florida Blue — 5 plans
- Wellcare — 5 plans
- HealthSpring — 4 plans
- Aetna Medicare — 1 plan
- Florida Blue HMO — 1 plan
Plans sorted by CMS star rating, then premium
| Plan | Carrier | Category | Plan type | Monthly premium | Drug deductible | Out-of-pocket maximum | Star rating |
|---|
| AARP Medicare Advantage from UHC FL-0008 (HMO-POS) (H1045-031-0) | UnitedHealthcare | MA-PD | HMO-POS | $0 | $270 | $3,900 | 4.5 |
|---|
| Humana Dual Integrated (HMO D-SNP) (H1036-341-0) | Humana | SNP | HMO D-SNP | $0 | $0 | $9,250 | 4.5 |
|---|
| Humana Full Access Giveback H7617-111 (PPO) (H7617-111-0) | Humana | MA-PD | PPO | $0 | $600 | $6,750 | 4.5 |
|---|
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) (H1036-336-0) | Humana | SNP | HMO C-SNP | $0 | $615 | $3,300 | 4.5 |
|---|
| Humana Gold Plus Lung (HMO C-SNP) (H1036-337-0) | Humana | SNP | HMO C-SNP | $0 | $615 | $3,300 | 4.5 |
|---|
| Humana Gold Plus SNP-DE H1036-314 (HMO D-SNP) (H1036-314-0) | Humana | SNP | HMO D-SNP | $0 | $0 | $3,400 | 4.5 |
|---|
| Humana Total Complete H1036-143 (HMO) (H1036-143-0) | Humana | MA-PD | HMO | $0 | $615 | $4,300 | 4.5 |
|---|
| Humana USAA Honor Giveback (HMO) (H1036-290-0) | Humana | MA | HMO | | | $6,700 | 4.5 |
|---|
| Humana USAA Honor Giveback (PPO) (H7617-108-0) | Humana | MA | PPO | | | $6,750 | 4.5 |
|---|
| AARP Medicare Advantage from UHC FL-0016 (PPO) (H2406-008-0) | UnitedHealthcare | MA-PD | PPO | $0 | $600 | $6,700 | 4.0 |
|---|
Showing 10 of 48 plans.
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About this data
Source: CMS Medicare Advantage/Part D Landscape files, plan year 2026; population: U.S. Census Bureau ACS 5-year 2024; MA penetration: CMS September 2026.
This page summarizes publicly available CMS data. It is not a plan finder and does not recommend plans. To compare and enroll in plans, use Medicare.gov or talk to a licensed agent. Medicare.gov plan finder.