Medicare Advantage in Bay County, Florida
19,420 people in Bay County, Florida were enrolled in Medicare Advantage in October 2026, 43.0% of 45,114 eligible beneficiaries (+0.5 pts since October 2025). Humana Inc. is the largest parent organization with 48% of reported enrollment; 10 parent organizations have 11 or more members and the HHI is 3,633 (highly concentrated). HRSA classifies the county as partly rural. For 2027, 7,702 members here are in plans that terminate or leave the county, and Centene Corporation leaves. MA plans offered go from 23 to 19.
Parent organizations in Bay County
| Parent organization | Members | Change since October 2025 | Share |
|---|---|---|---|
| Humana Inc. | 9,215 | +1,602 | 47.7% |
| UnitedHealth Group, Inc. | 6,737 | +195 | 34.9% |
| Guidewell Mutual Holding Corporation | 2,180 | −429 | 11.3% |
| Health Care Service Corporation | 397 | −46 | 2.1% |
| CVS Health Corporation | 305 | +1 | 1.6% |
| Elevance Health, Inc. | 217 | +18 | 1.1% |
| Centene Corporation | 126 | −353 | 0.7% |
| Blue Cross Blue Shield of Michigan Mutual Ins. Co. | 101 | +1 | 0.5% |
| UMWA Health and Retirement Funds | 14 | 0 | under 0.1% |
| Highmark Health | 12 | −1 | under 0.1% |
CMS suppresses county and contract counts of 10 or fewer; shares are of reported enrollment.
Value-based care alongside MA
In PY 2024, 6,352 beneficiaries in Bay County were assigned to 180 Medicare Shared Savings Program ACOs, 34.4% of assignable Original Medicare beneficiaries. Together, roughly 63% of all Medicare beneficiaries in the county are in Medicare Advantage or an MSSP ACO. See the ACOs in the MSSP Explorer.