Medicare 2026

Medicare in Florida for 2027: 124 Advantage Plans Leaving, 73 New, and What Else Changes

TALLAHASSEE — Florida's Medicare landscape shifts noticeably for 2027. According to the federal plan files, the state will have 560 Medicare Advantage plans available in 2027, down from 611 in 2026. Behind that single number are 124 plans leaving the state entirely, 73 new plans arriving, and 151 continuing plans that are changing in some way — a different premium, drug deductible, plan type, or plan name. The movement spans all 67 counties, with a handful of large metro counties seeing the biggest churn.

Here is what Florida residents with Medicare need to know before the Annual Enrollment Period closes on December 7, 2026.

What is changing with Medicare Advantage plans in Florida for 2027?

Florida will offer 560 Medicare Advantage plans in 2027, compared with 611 in 2026. Of those, 124 plans are not returning anywhere in the state, 73 are brand new, and 151 continuing plans are changing a premium, drug deductible, plan type, or plan name. Because Medicare Advantage is sold county by county, a plan counted in these statewide totals may or may not be offered where you live.

Two pieces of mail do most of the explaining. The first is the Annual Notice of Change (ANOC), which every Medicare Advantage and Part D member should receive by late September 2026. It spells out what will be different about your current plan in 2027. The second, if it applies, is a non-renewal letter — the notice that your plan is leaving your area for 2027. If you receive a non-renewal letter, you qualify for a Special Enrollment Period that extends into February 2027, giving you time beyond the standard December 7 deadline to pick a new Medicare Advantage plan or return to Original Medicare and add a stand-alone Part D plan.

Which Florida counties have the most Medicare Advantage changes for 2027?

Several large counties account for a disproportionate share of the churn. In Miami-Dade County, 30 plans are leaving and 41 are changing. In Broward County, 29 plans are leaving and 41 are changing. Polk County shows 37 leaving and 29 changing. Palm Beach County has 29 leaving and 36 changing. Seminole County has 33 leaving and 31 changing.

Those five counties alone cover a large share of Florida's Medicare population, so if you live in metro Miami, Fort Lauderdale, West Palm Beach, Lakeland, or the Orlando suburbs, there is a real chance your plan is one of the ones changing or leaving. Even in counties with lighter movement, reading your ANOC is the only way to know what will be different.

How many stand-alone Part D drug plans will Florida have in 2027?

Florida will have 11 stand-alone Part D prescription drug plans in 2027, up by one from 10 in 2026, offered by 6 insurers. Stand-alone Part D is primarily used by people who have Original Medicare, or Original Medicare plus a Medigap policy, and want prescription drug coverage. You can compare the specific plans available for your ZIP code using the Medicare Plan Finder at Medicare.gov.

What Medigap options are available in Florida for 2027?

A ZIP code search on Medicare.gov in Florida returns 24 Medigap insurers listed. Medigap (Medicare Supplement Insurance) works alongside Original Medicare to help pay cost-sharing like deductibles and coinsurance. The lettered plans (A, B, G, N, and others) are standardized, meaning the benefits of a given letter are the same from company to company, though premiums and underwriting rules can differ. Florida has its own rules about when you can switch Medigap plans; Medicare.gov is the best place to confirm current enrollment rights.

What national Medicare changes take effect in 2027?

Two Part D numbers are confirmed for 2027. The annual out-of-pocket cap for prescription drugs falls to $2,400, down from $2,100 in 2026. The maximum allowed Part D deductible is $700. The Part D base beneficiary premium — the national figure used to calculate the late-enrollment penalty — is $41.33 for 2027; actual plan premiums are set plan by plan.

The Social Security Administration announced on October 14, 2026 a 3.6 percent cost-of-living adjustment (COLA) for benefits payable beginning January 2027. The 2027 Part B standard premium and deductible, and the 2027 IRMAA income-related brackets, have not yet been announced; CMS typically releases those figures in the fall, usually November.

What should Florida Medicare members do before December 7, 2026?

A short checklist for Annual Enrollment 2027:

• Read your Annual Notice of Change when it arrives, and watch for a non-renewal letter if your plan is leaving.
• Make a current list of your prescriptions, your doctors, and any hospitals or specialists you want to keep.
• Use the Medicare Plan Finder at Medicare.gov to compare 2027 Medicare Advantage and Part D plans in your ZIP code.
• If your plan is not returning, remember that your Special Enrollment Period runs through the end of February 2027.
• Make your choice by December 7, 2026 for coverage that starts January 1, 2027.

Where can Floridians get free Medicare help?

Two free, official resources are available year-round. Medicare.gov hosts the Plan Finder and official plan documents, and 1-800-MEDICARE (1-800-633-4227) is staffed 24 hours a day, seven days a week, to answer questions about enrollment, coverage, and your specific situation. Both are the right place to confirm anything about a specific plan's premium, drug list, provider network, or benefits.