Medicare Advantage

Every Medicare Advantage plan offered in Jacksonville next year: the full list

Duval County has 87 Medicare Advantage plans for 2027. Compared with 2026, 18 plans are not coming back, 15 are new, and 48 continuing plans changed in some way you should check before December 7, 17 of them under a new name. This guide covers what those numbers mean for Jacksonville, not which plan to pick.

Medicare AdvantageJacksonville, FL

HEADLINET: Jacksonville's 2027 Medicare Advantage lineup, carrier by carrier (full list) TITLE: Jacksonville Medicare Advantage 2027: Full Plan List

Wait — let me correct that format:

HEADLINE: Jacksonville's 2027 Medicare Advantage lineup, carrier by carrier (full list) TITLE: Jacksonville Medicare Advantage 2027: Full Plan List

If you live in Jacksonville and you are shopping for Medicare Advantage coverage for 2027, here is the full picture in one place. Every Medicare Advantage plan on the following list is offered in Duval County, comes from public CMS data, and is grouped by the company that sells it. The table below lists every plan, its plan type (HMO, HMO-POS or PPO), and whether it includes drug coverage.

What the 2027 Jacksonville lineup looks like

Jacksonville is in Duval County, where CMS lists 70 Medicare Advantage plans for the 2027 plan year. Twelve carriers offer Medicare Advantage plans that include drug coverage (MA-PD), and a 13th carrier rounds out the roster. All 70 plans on the local roster include Part D drug coverage, so a separate stand-alone Part D plan is not needed if you enroll in one of them.

The mix leans toward HMOs. Of the 90 plans, 50 are HMOs, 28 are PPOs, and 12 are HMO-POS (a point-of-service variation of an HMO). About half — 44 plans — are Special Needs Plans. Those are limited to people who meet certain conditions, such as having both Medicare and Medicaid (D-SNP), living with certain chronic conditions like diabetes or heart disease (C-SNP), or living in an institutional setting like a nursing home (I-SNP).

The carriers offering plans in Duval County

Here are the 13 carriers with Medicare Advantage plans available in Duval County for 2027, listed alphabetically along with the number of plans each one offers:

• Aetna (CVS Health): 11 plans
• American Health Advantage of Florida: 1 plan
• Blue Cross Blue Shield (HCSC): 3 plans
• Centene (WellCare): 6 plans
• Devoted Health: 9 plans
• Elevance Health (Anthem): 4 plans
• Florida Blue: 3 plans
• Florida Blue HMO: 2 plans
• Florida Complete Care: 3 plans
• Gold Kidney Health Plan: 4 plans
• Humana: 30 plans
• Longevity Health Plan: 1 plan
• UnitedHealthcare: 13 plans

The full plan-by-plan breakdown is in the table below.

How to read the plan types

The three plan types on the list work differently, and that difference matters more than the brand name on the card.

• HMO (Health Maintenance Organization). You use doctors and hospitals in the plan's network, and you usually need a primary care doctor and referrals for specialists.
• HMO-POS (Point of Service). An HMO with a limited option to go out of network for certain services, usually at a higher cost.
• PPO (Preferred Provider Organization). More flexibility to see out-of-network providers, though staying in-network still costs less.

Some listings you will see in the table include a "Regional PPO." That is a PPO with a service area covering a larger multi-county region rather than a single county.

Special Needs Plans, briefly

Nearly half of Duval County's 2027 plans are SNPs. You can only join an SNP if you meet its eligibility rules:

• D-SNP — for people with both Medicare and Medicaid.
• C-SNP — for people with a qualifying chronic condition, such as diabetes, heart disease, or end-stage renal disease.
• I-SNP — for people who live in (or need the level of care of) a long-term care facility.

If none of those apply to you, an SNP is not an option — but the standard HMO, HMO-POS and PPO plans on the roster are.

Program-level facts to keep in mind for 2027

A few Medicare rules apply no matter which plan you look at:

• Part D has a $2,100 out-of-pocket cap on covered drugs in 2026. Once you hit it, you pay $0 for covered drugs the rest of the year.
• The maximum Part D deductible a plan can charge is $615.
• The old coverage gap ("donut hole") is gone as of 2025. Part D now has three phases: deductible, initial coverage, and catastrophic.
• The Medicare Prescription Payment Plan is optional and lets you spread your drug costs into monthly payments across the year instead of paying at the pharmacy counter.
• IRMAA (the income-related surcharge on Part B and Part D) starts above $109,000 in income for a single filer in 2026.
• Annual Enrollment Period: Oct. 15 – Dec. 7. Medicare Advantage Open Enrollment Period: Jan. 1 – March 31.

How to compare the plans on the list

The roster above tells you what is available. It does not tell you what any given plan costs, what its network looks like, which drugs it covers, or how it is rated. For that, use these tools:

• Medicare Plan Finder at medicare.gov lets you enter your ZIP code and your prescriptions and compare plans side by side.
• 1-800-MEDICARE (1-800-633-4227) is available 24/7 for questions.
• SHINE, Florida's State Health Insurance Assistance Program (SHIP), offers free, unbiased one-on-one counseling for Florida Medicare beneficiaries.
• Each plan's own Summary of Benefits and Evidence of Coverage documents spell out costs, rules and covered drugs.