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Medicare Advantage in Miami-Dade County, FL

As of April 2026, 394,102 of the county's 522,647 Medicare-eligible people are enrolled in a Medicare Advantage plan, a penetration of 75.4% (up 5,710 enrollees, +1.5%, versus April 2025). The three largest parent organizations hold 73.1% of the county's MA enrollment. For plan year 2026, the CMS Landscape lists 115 MA and Special Needs plans in the county from 16 parent organizations, 69 of them with a $0 consolidated premium.

MA enrolled
394,102
MA enrolled
Medicare eligibles
522,647
Medicare eligibles
MA penetration
75.4%
MA penetration
2026 plans on offer
115
2026 plans on offer

Enrollment and eligibles: CMS MA State/County Penetration, report month 2026-04-01. County keys: FIPS 12086, SSA 10120. Plans on offer: CMS 2026 Landscape, MA + SNP categories.

Who holds the market

Parent organizations by MA enrollment in the county, April 2026. Standalone Part D plans are excluded. Share = the parent's enrollees divided by the county's MA enrolled from the penetration file (the two CMS files can differ slightly; the denominator is stated, not assumed). A cell CMS suppressed (under 11 members) is counted as a bounded unknown, never as zero.

UnitedHealth Group, Inc.
119,648
30.4%
233 plan rows, 204 suppressed
Humana Inc.
101,496
25.8%
161 plan rows, 124 suppressed
Elevance Health, Inc.
66,852
17.0%
123 plan rows, 106 suppressed
LMC Family Holdings, LLC
39,963
10.1%
4 plan rows, 1 suppressed
DOCTORS HEALTHCARE PLANS, INC.
23,162
5.9%
7 plan rows, 1 suppressed
Athena Healthcare Holdings, LLC
15,319
3.9%
19 plan rows, 12 suppressed
CVS Health Corporation
13,385
3.4%
126 plan rows, 115 suppressed
Devoted Health, Inc.
5,754
1.5%
15 plan rows, 6 suppressed
Centene Corporation
3,003
0.8%
19 plan rows, 13 suppressed
Guidewell Mutual Holding Corporation
1,600
0.4%
28 plan rows, 25 suppressed
Independent Living Systems, LLC
970
0.2%
3 plan rows
Miami Jewish Health Systems, Inc.
908
0.2%
2 plan rows, 1 suppressed
+ 69 other parent organizations with small or fully suppressed county enrollment, together between 663 and 3,683 members (mostly employer-group and out-of-area plans).

What is on offer for 2026

From the CMS Landscape file for plan year 2026: distinct plans by type, how many carry a $0 consolidated premium, and the range of in-network maximum out-of-pocket (MOOP). A published premium of "Not Applicable" is left out of the premium statistics, not treated as $0.

lowest premium
$0
lowest premium
median premium (n=106)
$0
median premium (n=106)
lowest MOOP
$500
lowest MOOP
highest MOOP
$9,250
highest MOOP
HMO D-SNP SNP
32 plans
17 at $0
11 parents
HMO MA
31 plans
27 at $0
11 parents
HMO C-SNP SNP
18 plans
15 at $0
7 parents
PPO MA
10 plans
4 at $0
2 parents
Regional PPO MA
5 plans
0 at $0
2 parents
HMO-POS D-SNP SNP
4 plans
1 at $0
2 parents
HMO-POS C-SNP SNP
4 plans
3 at $0
1 parents
HMO I-SNP SNP
4 plans
1 at $0
3 parents
PPO D-SNP SNP
4 plans
1 at $0
2 parents
PPO I-SNP SNP
1 plans
0 at $0
1 parents
HMO-POS I-SNP SNP
1 plans
0 at $0
1 parents
Regional PPO D-SNP SNP
1 plans
0 at $0
1 parents

The plans people are in

The largest plans in the county by April 2026 enrollment, with their 2026 premium and MOOP as published. Enrollment is the April 2026 CPSC file; premium and MOOP are the 2026 Landscape; the two describe different moments and are labelled so.

UHC MedicareMax Medicare Advantage FL-0028 (HMO)
H5420-001 · HMO · UnitedHealth Group, Inc.
35,598 enrolled
$0.00
$3,900.00 MOOP
Humana Gold Plus H1036-054C (HMO)
H1036-054 · HMO · Humana Inc.
33,172 enrolled
$0.00
$500.00 MOOP
UHC Preferred Dual Complete FL-Y2 (HMO-POS D-SNP)
H1045-063 · HMO-POS D-SNP · UnitedHealth Group, Inc. · Dual-Eligible
22,054 enrolled
$4.80
$9,250.00 MOOP
Leon MediDual (HMO D-SNP)
H4286-002 · HMO D-SNP · LMC Family Holdings, LLC · Dual-Eligible
20,188 enrolled
$0.00
$3,450.00 MOOP
UHC Preferred Medicare Advantage FL-0001 (HMO)
H1045-001 · HMO · UnitedHealth Group, Inc.
19,860 enrolled
$0.00
$2,900.00 MOOP
HealthSun MediSun Full Dual Extra (HMO D-SNP)
H5431-026 · HMO D-SNP · Elevance Health, Inc. · Dual-Eligible
18,919 enrolled
$0.00
$3,450.00 MOOP
Leon MediExtra (HMO)
H4286-001 · HMO · LMC Family Holdings, LLC
14,501 enrolled
$0.00
$1,000.00 MOOP
Humana Gold Plus SNP-DE H1036-304 (HMO D-SNP)
H1036-304 · HMO D-SNP · Humana Inc. · Dual-Eligible
14,285 enrolled
$0.00
$3,400.00 MOOP
UHC Preferred Dual Complete FL-D001 (HMO D-SNP)
H1045-012 · HMO D-SNP · UnitedHealth Group, Inc. · Dual-Eligible
11,177 enrolled
$4.80
$9,250.00 MOOP
DrFlex (HMO D-SNP)
H4140-013 · HMO D-SNP · DOCTORS HEALTHCARE PLANS, INC. · Dual-Eligible
10,618 enrolled
$1.10
$3,400.00 MOOP
HealthSun MediSun Extra (HMO D-SNP)
H5431-019 · HMO D-SNP · Elevance Health, Inc. · Dual-Eligible
10,254 enrolled
$0.00
$3,450.00 MOOP
HealthSun VitalCare (HMO C-SNP)
H5431-021 · HMO C-SNP · Elevance Health, Inc. · Chronic or Disabling Condition
9,957 enrolled
$0.00
$1,900.00 MOOP
Solis Guardian Plan (HMO D-SNP)
H0982-002 · HMO D-SNP · Athena Healthcare Holdings, LLC · Dual-Eligible
8,652 enrolled
$0.00
$3,400.00 MOOP
CareNeeds Platinum (HMO D-SNP)
H1019-023 · HMO D-SNP · Humana Inc. · Dual-Eligible
8,424 enrolled
$0.00
$3,400.00 MOOP
Humana Dual Integrated (HMO D-SNP)
H1036-339 · HMO D-SNP · Humana Inc. · Dual-Eligible
8,195 enrolled
$0.00
$9,250.00 MOOP

Star Ratings of the contracts offered here

CMS rates contracts, not counties or plans. The overall Star Rating below is the contract's rating as carried in the 2026 Landscape file (which reflects the July 2026 update); it applies to every plan under that contract nationally and says nothing county-specific.

H1019 Humana Inc. · 4.5 · 10 plans hereH1036 Humana Inc. · 4.5 · 9 plans hereH1290 Devoted Health, Inc. · 5.0 · 9 plans hereH5471 Elevance Health, Inc. · 4.5 · 9 plans hereH1032 Centene Corporation · 4.0 · 6 plans hereH4140 DOCTORS HEALTHCARE PLANS, INC. · 4.5 · 6 plans hereH5431 Elevance Health, Inc. · 4.5 · 6 plans hereH0982 Athena Healthcare Holdings, LLC · 4.5 · 5 plans hereH1045 UnitedHealth Group, Inc. · 4.5 · 5 plans hereH1609 CVS Health Corporation · 4.5 · 5 plans hereH5420 UnitedHealth Group, Inc. · 4.5 · 5 plans hereH1526 Gold Kidney Health Plan · Not Enough Data Available · 4 plans hereH4286 LMC Family Holdings, LLC · 5.0 · 4 plans hereH5216 Humana Inc. · 3.5 · 4 plans hereH7617 Humana Inc. · 4.5 · 4 plans hereH9986 Independent Living Systems, LLC · Not Enough Data Available · 3 plans hereR0759 UnitedHealth Group, Inc. · 3.5 · 3 plans hereR5826 Humana Inc. · 3.5 · 3 plans hereH1889 UnitedHealth Group, Inc. · 4.0 · 2 plans hereH5410 Health Care Service Corporation · 3.5 · 2 plans here

Method and limits

  • Enrollment, eligibles and penetration are the CMS MA State/County Penetration file for 2026-04-01; the carrier mix is the CMS Monthly Enrollment by Contract/Plan/State/County (CPSC) file for the same month, restricted to MA contracts (H, R and E contract numbers; standalone Part D S-contracts excluded).
  • CMS suppresses any cell under 11 members. Those cells are shown as a range and excluded from shares; they are never zero. Parent rollups use the parent organization CMS publishes, not name matching.
  • Plans on offer are the CMS 2026 MA/Part D Landscape file, MA and SNP categories, counted as distinct contract-plan pairs. Premiums and MOOP are the published strings cast to numbers; "Not Applicable" is excluded from statistics.
  • Year-over-year compares the same report month one year earlier. Plan year, report month and retrieval date are three different clocks and are labelled separately.
  • A negotiated benefit or premium here is what a plan publishes, not what any individual pays; this page is not eligibility or enrollment advice.
  • Data from the Centers for Medicare & Medicaid Services public files, cleaned and joined by Vlada. CMS does not endorse this page or Vlada Health. County identity is the CMS SSA county code (10120); the FIPS code (12086) is shown for reference and can cover more than one SSA cell.

Receipts

Every section above is one read-only query over the Vlada substrate, run through the same tool an agent would call. The query, the engine's query id, the response hash and the bytes scanned are recorded so the numbers can be re-run.

cohort_header query 39345610 · 78,820 bytes · 2026-09-15
SELECT fips, ssa, state_name, county_name, eligibles, enrolled, penetration FROM medicare_silver.ma_state_county_penetration WHERE report_month = DATE '2026-04-01' AND enrolled IS NOT NULL ORDER BY enrolled DESC LIMIT 10

tables: medicare_silver.ma_state_county_penetration · response_hash 46c5bdb36b49f942d989d0332628ef6190af4a31bed0642bd0aabd7016625b9e

prior_year_header query 0f647cea · 52,763 bytes · 2026-09-15
SELECT ssa, eligibles, enrolled, penetration FROM medicare_silver.ma_state_county_penetration WHERE report_month = DATE '2025-04-01' AND ssa IN ('05200', '03060', '45610', '14141', '10120', '05400', '05470', '05430', '33590', '10050')

tables: medicare_silver.ma_state_county_penetration · response_hash 9eef69df7c6b1bca210fd38e43e960277bb92c200774f2b76cea644361c9b39d

parents_by_county query d65db597 · 2,555,853 bytes · 2026-09-15
SELECT county_ssa, parent_org_raw, SUM(enrollment_count) AS enrolled, COUNT(*) AS plan_rows, SUM(CASE WHEN enrollment_count IS NULL THEN 1 ELSE 0 END) AS suppressed_rows, SUM(enrollment_lower_bound) AS lower_bound, SUM(enrollment_upper_bound) AS upper_bound FROM medicare_silver.enrollment_monthly_county WHERE report_month = DATE '2026-04-01' AND contract_id NOT LIKE 'S%' AND county_ssa IN ('05200', '03060', '45610', '14141', '10120', '05400') GROUP BY county_ssa, parent_org_raw HAVING SUM(enrollment_count) >= 500 ORDER BY county_ssa, enrolled DESC LIMIT 2000

tables: medicare_silver.enrollment_monthly_county · response_hash cf5000bc9516517f22267b59df04cf0594590473a6f009c3f5fb56f7bef584a0

parents_tail query 4d364f07 · 2,555,853 bytes · 2026-09-15
SELECT county_ssa, COUNT(*) AS parents, SUM(lower_bound) AS lower_bound, SUM(upper_bound) AS upper_bound FROM (SELECT county_ssa, parent_org_raw, SUM(enrollment_count) AS enrolled, SUM(enrollment_lower_bound) AS lower_bound, SUM(enrollment_upper_bound) AS upper_bound FROM medicare_silver.enrollment_monthly_county WHERE report_month = DATE '2026-04-01' AND contract_id NOT LIKE 'S%' AND county_ssa IN ('05200', '03060', '45610', '14141', '10120', '05400', '05470', '05430', '33590', '10050') GROUP BY county_ssa, parent_org_raw) t WHERE enrolled IS NULL OR enrolled < 500 GROUP BY county_ssa LIMIT 2000

tables: medicare_silver.enrollment_monthly_county · response_hash ed8bbf3c4d1d1d95c33348e63f60c8b4936a006afe04a196d93276c87edea1cb

landscape_plans:FL-Miami-Dade query 308842cb · 531,082 bytes · 2026-09-15
SELECT contract_id, plan_id, segment_id, plan_name, plan_type, parent_org_name, snp_type, category, consolidated_premium, moop_in_network, overall_star_rating FROM medicare_silver.fact_ma_landscape WHERE report_year = 2026 AND category IN ('MA','SNP') AND state = 'FL' AND county = 'Miami-Dade' ORDER BY contract_id, plan_id, segment_id LIMIT 2000

tables: medicare_silver.fact_ma_landscape · response_hash da8aee4b8684fb8869afc32c5f4cecd50436264648056ba78d7e008acfd4bba4

top_plans_enrollment:10120 query c227e48e · 2,587,279 bytes · 2026-09-15
SELECT contract_id, plan_id, parent_org_raw, enrollment_count, enrollment_lower_bound, enrollment_upper_bound FROM medicare_silver.enrollment_monthly_county WHERE report_month = DATE '2026-04-01' AND contract_id NOT LIKE 'S%' AND county_ssa = '10120' ORDER BY enrollment_count DESC NULLS LAST LIMIT 45

tables: medicare_silver.enrollment_monthly_county · response_hash 63230c07d0edf688fd52c17fc57e60a9fd1d9841d9b69c166cb9ed9f3dc4e7d4

Generated 2026-09-15 · cohort rule: the 10 largest counties by MA enrollment at the 2026-04-01 report month, SSA-keyed · run these queries yourself · get_market_share · get_landscape