Medicare Advantage

What’s Changing in Florida Medicare Advantage for 2027: 124 Plans Leaving, 151 Changing

TALLAHASSEE — Florida's Medicare Advantage lineup will look different on January 1, 2027. According to the Centers for Medicare & Medicaid Services (CMS) Landscape files for plan years 2026 and 2027, the number of Medicare Advantage plans offered somewhere in Florida will move from 611 for 2026 to 560 for 2027. Behind that net figure is a lot of individual movement: 124 plans are leaving the state, 73 are new, 151 are changing in at least one county, and 336 are continuing without a change CMS flagged in its file.

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Every one of Florida's 67 counties will see at least one plan either leave or change. Here is what the two CMS files say, what the terms mean, and the dates that matter before the Annual Enrollment Period closes on December 7, 2026.

What the statewide numbers mean

CMS publishes a Landscape Source File for each plan year that lists every Medicare Advantage plan offered in every county. Comparing the 2026 file to the 2027 file is how the counts in this article were produced. Each plan is counted once statewide, no matter how many counties it serves.

A plan is counted as leaving if it was offered somewhere in Florida for 2026 and is offered nowhere in Florida for 2027. For 2027, 124 plans fall in that group.

A plan is counted as changing if it appears in both the 2026 and 2027 files but differs on premium, drug deductible, plan type, or plan name in at least one county. For 2027, 151 plans fall in that group. CMS's file tells us a change exists; it does not tell members what to do about it. The plan's Annual Notice of Change (ANOC), mailed each fall, has the specifics for your county.

The remaining pieces: 73 plans are new for 2027, and 336 are continuing without a change flagged in the file. The statewide plan total moves from 611 for 2026 to 560 for 2027.

If your plan is leaving

If your 2026 plan is one of the 124 that will not be offered anywhere in Florida for 2027, your carrier is required to send you a non-renewal notice. Two things follow from that notice.

First, you get a Special Enrollment Period (SEP) that runs through the end of February 2027. During that window you can choose another Medicare Advantage plan or return to Original Medicare and, if you wish, add a stand-alone Part D drug plan.

Second, doing nothing is not a neutral choice when your plan is leaving. If you take no action, your Medicare Advantage coverage ends when the plan ends, and you may default back to Original Medicare without drug coverage. The SEP exists so you have time past December 7 to make a deliberate pick.

If your plan is changing

If your 2026 plan is one of the 151 that CMS flags as changing in at least one county for 2027, the plan itself continues. You do not need to re-enroll to stay in it. What you do need to do is read the Annual Notice of Change (ANOC) your plan sends in the fall. The ANOC is the document that lays out what is different for the coming year in your county. Our article does not describe what changed or by how much, because the CMS Landscape file only tells us that a difference exists — your ANOC is the authoritative source for the specifics.

If you take no action during the Annual Enrollment Period, you stay enrolled in the renewing plan with the changes described in that ANOC taking effect January 1, 2027.

Counties with the most change

Every Florida county — all 67 — sees at least one plan leave or change for 2027. The counts below are from the CMS Landscape files; a county's number counts each plan touching that county.

• Miami-Dade County: 30 leaving, 41 changing
• Broward County: 29 leaving, 41 changing
• Polk County: 37 leaving, 29 changing
• Palm Beach County: 29 leaving, 36 changing
• Seminole County: 33 leaving, 31 changing
• Orange County: 33 leaving, 30 changing
• Osceola County: 33 leaving, 30 changing
• Hillsborough County: 29 leaving, 32 changing

These are the counties the CMS files flag with the heaviest combination of exits and changes, but members in every Florida county should expect at least some movement.

What to do before December 7

The Annual Enrollment Period (AEP) runs October 15 through December 7, 2026. A choice made in that window takes effect January 1, 2027. A short checklist:

1. Watch your mail in late September and October for either a non-renewal notice (plan leaving) or an ANOC (plan continuing, with or without changes). 2. If your plan is leaving, mark that you have an SEP through the end of February 2027 in addition to the AEP. 3. If your plan is on the "changing" list, read the ANOC against your current doctors, pharmacies and medications for 2027. 4. If your plan is continuing unchanged, confirm that in writing from the plan before assuming nothing is different. 5. Compare options for your specific ZIP code on Medicare.gov's Plan Finder, which uses the same CMS Landscape and Plan Finder data referenced in this article.

Where to get free help

You do not have to sort this out alone, and you do not have to pay anyone to help.

• Medicare.gov — the official federal site, with a Plan Finder that compares every plan in your ZIP code.
• 1-800-MEDICARE (1-800-633-4227) — available 24/7.
• SHINE, Florida's State Health Insurance Assistance Program (SHIP) — free, unbiased, one-on-one counseling for people with Medicare and their families.