Medicare Advantage

Got a non-renewal letter in Jacksonville? Here is what it means for your 2027 coverage

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.

JACKSONVILLE — If you opened the mail this fall and found a letter saying your Medicare Advantage plan will not be offered next year, you are not alone. In Duval County, which includes Jacksonville, 18 Medicare Advantage plans on the shelf for 2026 are not returning for 2027, according to the CMS Medicare Advantage Landscape Source Files for the current and coming plan years.

That letter has a name: the plan non-renewal notice. It triggers specific rights and a specific window to act. Here is how to tell if it applies to you, what happens if you do nothing, and the choices you have between now and the end of February.

How to tell if your plan is on the list

Carriers are required to send a non-renewal letter (sometimes called a "plan termination" or "non-renewal notice") to every member of a plan that will not be offered next year. The letter typically arrives in late September or early October. It will say, in plain language, that your plan will end on December 31, 2026, and that you have the right to pick a new plan.

If you cannot find the letter, two things help confirm it: your Annual Notice of Change (ANOC) will be missing or will say the plan is terminating, and the plan will not appear when you search your ZIP code on medicare.gov.

The 18 Jacksonville-area plans not returning for 2027, listed in alphabetical order by carrier, are:

• Aetna Medicare Signature (PPO) — Aetna (CVS Health)
• Wellcare Dual Access Sync (HMO D-SNP) — Centene (WellCare)
• Wellcare Patriot Giveback (HMO) — Centene (WellCare)
• Wellcare Sunshine Health Dual Align (HMO D-SNP) — Centene (WellCare)
• Simply Complete (HMO D-SNP) — Elevance Health (Anthem)
• Simply Extra (HMO) — Elevance Health (Anthem)
• Simply Integrated (HMO D-SNP) — Elevance Health (Anthem)
• Simply More (HMO) — Elevance Health (Anthem)
• BlueMedicare Select (PPO) — Florida Blue
• Florida Complete Care-Duals VIP (HMO-POS D-SNP) — Florida Complete Care
• HealthSpring Preferred (HMO) — HealthSpring
• HealthSpring TotalCare (HMO D-SNP) — HealthSpring
• HealthSpring TotalCare Plus (HMO D-SNP) — HealthSpring
• CareNeeds Extra (HMO D-SNP) — Humana
• Humana Full Access Giveback H5216-393 (PPO) — Humana
• Humana Full Access Giveback H7617-111 (PPO) — Humana
• Humana USAA Honor Giveback (PPO) — Humana
• UHC Dual Complete FL-Y5 (HMO-POS D-SNP) — UnitedHealthcare

If your plan is not on this list, it is renewing for 2027 — but it may be renamed or redesigned, so read your ANOC closely. The table on this page shows every plan being offered in Duval County for 2027.

What happens if you do nothing

This is the part that surprises people. If your plan ends and you make no new choice by December 31, 2026, you are not left without insurance — but you are not automatically moved to a new Medicare Advantage plan either.

On January 1, 2027, you will return to Original Medicare (Part A and Part B). That covers hospital and medical care, but it does not include prescription drug coverage, and it does not have an annual out-of-pocket cap the way Advantage plans do. If you want drug coverage or Advantage-style benefits again, you have to actively enroll.

Your choices and your Special Enrollment Period

A plan non-renewal opens a Special Enrollment Period (SEP) separate from the regular Annual Enrollment Period (October 15 – December 7, 2026). For a non-renewed Medicare Advantage plan, the SEP runs from December 8, 2026 through February 28, 2027.

During this window you can:

1. Pick a different Medicare Advantage plan. Duval County will have 87 Advantage plans from 13 carriers in 2027. Use medicare.gov's Plan Finder to compare them by your doctors, hospitals and medications. 2. Keep Original Medicare and add a stand-alone Part D plan. For 2027, the Part D out-of-pocket cap is $2,400 (up from $2,100 in 2026), and the maximum Part D deductible is $700 (up from $615 in 2026). 3. Keep Original Medicare and consider a Medigap (Medicare Supplement) policy. A plan non-renewal is one of the situations that triggers a federal guaranteed-issue right, meaning certain Medigap policies must be sold to you without medical underwriting during a limited window. Florida's specific rules on which policies and what timing apply are set by the state; the Florida Department of Financial Services can confirm them for your situation.

Making your choice earlier in the window — ideally during the Annual Enrollment Period itself — means your new coverage starts cleanly on January 1, 2027, with no gap.

A few things that are not changing because of this

A plan ending does not change your eligibility for Medicare, your Part A and Part B enrollment, or your Medicare number. It does not require you to re-enroll in Medicare itself. And it does not affect any other coverage you have, such as retiree benefits or VA care.

Two 2027 numbers CMS has not yet published, as of September 2026, are the standard Part B premium and deductible and the IRMAA income brackets. Those are typically announced in November. If a letter or caller quotes you a specific 2027 Part B figure right now, treat it as an estimate, not a confirmed number.