Medicare in Jacksonville Beach · Duval County, FL

2026 Medicare Advantage Plans in Jacksonville Beach, FL

Duval County offers 82 Medicare Advantage plans for 2026 across 6 carriers, with an average premium of $12.5/mo and 58 plans rated 4★ or higher by CMS.

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Important: ZIP code spans multiple counties

Jacksonville Beach (32250) is in Duval County, FL — 82 Medicare Advantage plans, avg $12.50/mo.

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By the numbers · Duval County

Quick facts for Jacksonville Beach, FL Medicare (2026)

82Medicare Advantage plans available (CMS PY2026)
$12.5/moaverage monthly MA premium (CMS PY2026)
58plans rated CMS 4★ or higher for 2026
40Special Needs Plans available in Duval County
50%of Duval County Medicare beneficiaries in an MA plan
6insurance carriers competing in Duval County

Source: CMS Medicare Advantage/Part D Landscape (PY2026).

Health profile · why coverage choice matters here

Chronic conditions among Duval County adults

Diagnosed diabetes 13.5%
Adult obesity 32.5%

Source: County Health Rankings & Roadmaps 2024 — Duval County.

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Part B Late Enrollment Penalty

Monthly penalty: $0.00

IRMAA Quick Check

Monthly surcharge: $0.00

Who covers you

Carriers in Duval County (2026)

  • UnitedHealthcare HMO-POSPPOD-SNP

    AARP Medicare Advantage HMO-POS and PPO; D-SNP available statewide; one of FL's largest MA carriers

  • Humana HMO-POSPPO

    HMO-POS and PPO with one of Florida's largest provider networks; very strong in FL

  • Aetna (CVS Health) HMOPPO

    Medicare Signature PPO and HMO; strong star ratings across Florida

  • Florida Blue (Guidewell) HMOPPO

    Blue Cross Blue Shield of Florida; strong PPO and HMO network statewide

  • Wellcare by Centene HMOD-SNP

    Low-premium HMO and D-SNP plans; very competitive across Florida markets

  • Devoted Health HMO

    Florida-focused HMO with concierge model; strong in most FL markets

Where you get care

Hospitals & providers nearby

  • UF Health Jacksonville
    Jacksonville ★★★★☆
    655 W 8th St, Jacksonville FL 32209
  • Baptist Medical Center Jacksonville
    Jacksonville ★★★★★
    800 Prudential Dr, Jacksonville FL 32207
  • Mayo Clinic Florida
    Jacksonville ★★★★★
    4500 San Pablo Rd S, Jacksonville FL 32224
  • Ascension St. Vincent's Riverside
    Jacksonville ★★★★☆
    1 Shircliff Way, Jacksonville FL 32204

Confirm your doctors and preferred pharmacy are in-network before enrolling — networks vary by plan and carrier.

Sources: CMS Hospital Compare · CMS Landscape (PY2026).

Choosing a Medicare plan in Jacksonville Beach, FL — what matters here

  • Jacksonville Beach is Duval County's Atlantic Ocean community. Plan availability follows Duval County — 82 plans, avg $12.50/month.
  • Baptist Medical Center Beaches (4 stars) is right in the Beaches area. Mayo Clinic Florida (5 stars) is accessible west on JTB. 40 SNPs serve dual-eligible beneficiaries.

Not sure Medicare Advantage is the right path?

Also consider Original Medicare + a Supplement

Medicare Advantage isn't the only option. If you want the freedom to see any doctor or hospital in the U.S. that accepts Medicare — with no networks, no referrals, and no plan-specific prior authorizations — a Medicare Supplement (Medigap) plan paired with a standalone Part D drug plan may be a better fit for your situation.

  • No networks. See any Medicare-accepting provider nationwide — critical if you travel, split time between states, or have specialists outside your county.
  • Predictable costs. Plan G covers nearly every gap in Original Medicare except the Part B deductible (~$257/yr in 2026). No surprise bills from out-of-network care.
  • Enrollment window. Your guaranteed-issue Medigap Open Enrollment Period is 6 months from your Part B effective date. After it closes, health underwriting may apply in NC.

Medigap guide for Jacksonville Beach → NC Medicare Supplement overview →

Jacksonville Beach, FL Medicare questions, answered

How many Medicare Advantage plans are available in Jacksonville Beach, FL?

For 2026, there are 82 Medicare Advantage plans available in Jacksonville Beach (Duval County), offered by 6 carriers including UnitedHealthcare, Humana, Aetna (CVS Health), and others. 58 of those plans carry a CMS star rating of 4★ or higher. Source: CMS PY2026 Landscape.

What is the average Medicare Advantage premium in Jacksonville Beach for 2026?

The average monthly Medicare Advantage premium in Jacksonville Beach, FL is $12.5 for 2026, with an average CMS star rating of 3.95★ across available plans. Premiums and benefits vary — compare your specific options at Medicare.gov or with a licensed agent.

When can I change my Medicare plan in Jacksonville Beach?

The Annual Enrollment Period (AEP) runs October 15 – December 7 each year and is the main window to switch Medicare Advantage plans, change Part D drug plans, or return to Original Medicare. Changes take effect January 1. The Medicare Advantage Open Enrollment Period (January 1 – March 31) allows one plan switch for those already in Medicare Advantage. Special Enrollment Periods are available for qualifying events such as moving or losing other coverage.

Are there Special Needs Plans available in Duval County?

Yes — Duval County has 40 Special Needs Plans (SNPs) available for 2026. These plans are designed for dual-eligible beneficiaries (Medicare + Medicaid), people in institutions, and those with qualifying chronic conditions. SNPs often carry $0 premiums and additional chronic care benefits. A licensed agent can confirm your eligibility at no cost.

What hospital options are near Jacksonville Beach, FL?

UF Health Jacksonville in Jacksonville is rated 4★ by CMS Hospital Compare; Baptist Medical Center Jacksonville in Jacksonville is rated 5★ by CMS Hospital Compare; Mayo Clinic Florida in Jacksonville is rated 5★ by CMS Hospital Compare; Ascension St. Vincent's Riverside in Jacksonville is rated 4★ by CMS Hospital Compare. Before enrolling in any Medicare Advantage plan, confirm your hospital and doctors are in that plan's network.

Is there a cost for help choosing a Medicare plan in Jacksonville Beach?

No. Our guidance is free — licensed agents are compensated by the insurance carriers, not by you. We compare the plans available in your ZIP code against your doctors, prescriptions, and budget. We do not offer every plan available in your area. Contact Medicare.gov or 1-800-MEDICARE to see all options.

Is Medicare coverage the same in Jacksonville Beach, FL?

Original Medicare (Part A and Part B) is a federal program, so its core coverage rules are the same in Jacksonville Beach, FL as anywhere else in the country. What varies locally is which Medicare Advantage, Part D, and Medigap plans are actually offered — plan availability, provider networks, and premiums are set at the county level, so the specific options in Duval County won't match a different county even in the same state. That's why it's worth reviewing your local plan lineup each year rather than assuming coverage is identical everywhere.

When can I enroll in Medicare in Jacksonville Beach, FL?

Your Initial Enrollment Period (IEP) is a 7-month window centered on your 65th birthday — 3 months before, the month of, and 3 months after. After that, the Annual Enrollment Period (AEP) runs October 15 through December 7 each year, letting Jacksonville Beach residents switch Medicare Advantage or Part D plans for coverage starting January 1. A Special Enrollment Period (SEP) may also open outside these windows if you have a qualifying life event, such as moving to Jacksonville Beach or losing other health coverage.

How do I find a Medicare agent near Jacksonville Beach, FL?

Look for a licensed, independent agent who is appointed to sell plans in FL and familiar with the carriers and provider networks serving Duval County. An independent agent can compare options across multiple carriers instead of representing just one. You can book a free, no-obligation consultation with a licensed agent serving Jacksonville Beach through this site's contact page, or call the number listed on this page to talk with someone directly.

Is there a Medicare agent in Jacksonville Beach, FL?

Yes. Kayla Price is a licensed independent insurance agent serving Jacksonville Beach, FL and Duval County among the NC, SC, GA, FL, VA, MD, KS, TX, OH & MI she's licensed in. She works with 6 carriers offering plans in Duval County, so she can compare options rather than represent just one company. You can book a free consultation directly at https://host.safemsngr.com/widget/booking/A0NTF4B4d9I3h3wNvyIB.

How do I find Medicare help in Jacksonville Beach?

The fastest way is to book a free, no-obligation review with a licensed agent who already works in Duval County — Kayla Price at Price Services Group covers Jacksonville Beach, FL and can walk through the 82 Medicare Advantage plans available here for 2026. Schedule a time at https://host.safemsngr.com/widget/booking/A0NTF4B4d9I3h3wNvyIB, or use the contact page on this site. You can also always compare plans yourself at Medicare.gov or by calling 1-800-MEDICARE.

Does Price Services Group serve Jacksonville Beach, FL?

Yes — Jacksonville Beach, FL is within Kayla Price's real service area at Price Services Group. She is licensed in NC, SC, GA, FL, VA, MD, KS, TX, OH & MI and works with the carriers offering Medicare Advantage, Part D, and Medigap plans in Duval County. Book a free plan review at https://host.safemsngr.com/widget/booking/A0NTF4B4d9I3h3wNvyIB to see what's available at your address.

What Medicare Advantage plans are available in Jacksonville Beach, FL?

Medicare Advantage plan availability varies by county in FL. Kayla Price can review all plans available in Jacksonville Beach and help you compare options by phone or video.

How much does Medicare cost in Jacksonville Beach, FL?

Medicare Part B costs $202.90 per month regardless of where you live in FL. Additional costs depend on which plan you choose. Kayla can walk you through all the costs for plans available in Jacksonville Beach.

When is the next Medicare enrollment period for residents of Jacksonville Beach, FL?

The Annual Enrollment Period (AEP) runs October 15 through December 7 each year for all Medicare beneficiaries including those in Jacksonville Beach, FL. If you're new to Medicare, your Initial Enrollment Period is based on your 65th birthday.

Enrollment windows

When can you change your Medicare plan?

Annual Enrollment Period

Oct 15 – Dec 7

Switch MA plans, add or drop Part D, or return to Original Medicare. Changes take effect January 1.

MA Open Enrollment Period

Jan 1 – Mar 31

One plan switch if you're already in Medicare Advantage. Changes start the first of the following month.

Initial Enrollment Period

7-month window at 65

3 months before, the month of, and 3 months after your 65th birthday. Enrolling on time avoids lifetime Part B and Part D penalties.

Book your free AEP review → All enrollment periods explained →

Your local agent

Talk to a licensed Medicare agent about Jacksonville Beach, FL plans

Kayla Price is a licensed, independent agent who works with 6 carriers serving Duval County — free, no pressure. We do not offer every plan available in your area.

Book a free consultation →   (910) 631-1578

Kayla Price, Your personal Medicare & insurance consultant at Price Services Group, L.L.C.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or call 1-800-MEDICARE (1-800-633-4227), TTY 1-877-486-2048, 24 hours a day, 7 days a week, to get information on all of your options. Not affiliated with or endorsed by the U.S. government or the federal Medicare program. For informational purposes only — not insurance, legal, or financial advice. Plan availability, premiums, and benefits are based on CMS PY2026 data and subject to change. NPN: 18530055. Agency NPN: 20387435.