2026 Medicare Advantage Plans in Port St. Joe, FL

For 2026, there are 45 Medicare Advantage plans available in Port St. Joe (Gulf County), offered by 6 carriers including UnitedHealthcare, Humana, Aetna (CVS Health), and others. 28 of those plans carry a CMS star rating of 4★ or higher. Source: CMS PY2026 Landscape.

The average monthly Medicare Advantage premium in Port St. Joe, FL is $16 for 2026, with an average CMS star rating of 3.72★ across available plans. Premiums and benefits vary — compare your specific options at Medicare.gov or with a licensed agent.

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.

Yes — Gulf County has 16 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.

HCA Florida Gulf Coast Hospital in Panama City is rated 3★ by CMS Hospital Compare; Ascension Sacred Heart Bay in Panama City 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.

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.

Original Medicare (Part A and Part B) is a federal program, so its core coverage rules are the same in Port St. Joe, 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 Gulf 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.

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 Port St. Joe 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 Port St. Joe or losing other health coverage.

Look for a licensed, independent agent who is appointed to sell plans in FL and familiar with the carriers and provider networks serving Gulf 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 Port St. Joe through this site's contact page, or call the number listed on this page to talk with someone directly.

Yes. Kayla Price is a licensed independent insurance agent serving Port St. Joe, FL and Gulf 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 Gulf 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.

The fastest way is to book a free, no-obligation review with a licensed agent who already works in Gulf County — Kayla Price at Price Services Group covers Port St. Joe, FL and can walk through the 45 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.

Yes — Port St. Joe, 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 Gulf County. Book a free plan review at https://host.safemsngr.com/widget/booking/A0NTF4B4d9I3h3wNvyIB to see what's available at your address.

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

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 Port St. Joe.

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