Medicare Advantage

Before December 7: check your Miami Advantage notice

For 2027, Miami is looking at 101 Medicare Advantage plans: 16 new, 30 gone since 2026, and 61 still here but changed on premium, deductible, plan type or name, 20 of them under a new name. Below, how the lineup shifted in Miami-Dade County and what to compare, with no plan ranked or recommended.

Medicare AdvantageMiami, FL

MIAMI — If you have a Medicare Advantage plan in Miami, this fall's mail from your insurer deserves a closer look than usual. In Miami-Dade County, 30 Medicare Advantage plans will not return after 2026, 16 new plans are coming for 2027, and 20 plans are keeping the same coverage under a new name. Another 41 continuing plans are changing on premium, deductible, plan type or name, according to the CMS Medicare Advantage Landscape files comparing 2026 and 2027.

The Annual Enrollment Period runs from October 15 through December 7, and it is when most of these decisions need to be made.

What's changing in Miami-Dade for 2027

Miami is in Miami-Dade County, where Medicare Advantage availability is set. Year over year, the county's picture looks like this:

• Leaving after 2026: 30 plans
• New for 2027: 16 plans
• Renamed (same plan, new label): 20 plans
• Continuing with a change on premium, deductible, type or name: 41 plans
• Continuing with no change flagged: 65 plans

One carrier, Blue Cross Blue Shield (HCSC), will not offer Medicare Advantage plans in Miami-Dade next year. The other 16 carriers that sell in the county — including Aetna (CVS Health), Align Senior Care, AmeriHealth Caritas VIP Care, Centene (WellCare), Devoted Health, Doctors HealthCare Plans, Elevance Health (Anthem), Florida Blue, Florida Blue HMO, Florida Complete Care, Gold Kidney Health Plan, Humana, Leon Health, Longevity Health Plan, Solis Health Plans and UnitedHealthcare — continue to serve the area. The table on this page lists every plan available for the coming year.

Plans that are not returning

Thirty plans in Miami-Dade will not renew for 2027. In alphabetical order by carrier, they include:

• Aetna (CVS Health): Aetna Medicare Dual Select (HMO D-SNP)
• Align Senior Care: Premier Care (HMO I-SNP); Senior Care (HMO I-SNP)
• Blue Cross Blue Shield (HCSC): HealthSpring Preferred (HMO); HealthSpring TotalCare (HMO D-SNP)
• Centene (WellCare): Wellcare Dual Access Sync (HMO D-SNP); Wellcare Patriot Giveback (HMO); Wellcare Simple (HMO); Wellcare Sunshine Health Dual Align (HMO D-SNP)
• Doctors HealthCare Plans: DrElite-SFL (HMO); DrExtraCare (HMO C-SNP); DrMax (HMO); DrPlus (HMO D-SNP); DrSelect (HMO)
• Elevance Health (Anthem): Simply Complete (HMO D-SNP); Simply Complete Platinum (HMO D-SNP); Simply Extra Platinum (HMO); Simply Integrated (HMO D-SNP); Simply Integrated Platinum (HMO D-SNP); Simply Level (HMO C-SNP); Simply Level Platinum (HMO C-SNP); Simply More (HMO); Simply More Platinum (HMO)
• Gold Kidney Health Plan: Gold Health (HMO-POS C-SNP)
• Humana: CareNeeds Extra (HMO D-SNP); Humana USAA Honor Giveback (PPO); HumanaChoice Florida SNP-DE H7617-113 (PPO D-SNP)
• UnitedHealthcare: UHC MedicareMax Dual Complete FL-D4 (HMO D-SNP); UHC MedicareMax Dual Complete FL-V3 (HMO D-SNP); UHC MedicareMax Dual Complete FL-Y6 (HMO-POS D-SNP)

If your plan is on this list, you should receive a non-renewal notice from your insurer. You will not lose Medicare — only that specific Advantage plan is ending.

New plans for 2027

Sixteen plans are launching in Miami-Dade for the coming year:

• Aetna (CVS Health): Aetna Medicare Partial Dual Select (HMO D-SNP)
• Align Senior Care: Premier Care (HMO I-SNP); Senior Care (HMO I-SNP)
• Centene (WellCare): Wellcare Simple (HMO-POS); Wellcare Sunshine Health Dual Access (HMO-POS D-SNP); Wellcare Sunshine Health Dual Align (HMO D-SNP); Wellcare Sunshine Health Dual Align Unity (HMO D-SNP)
• Devoted Health: DEVOTED GIVEBACK EXTRAS 110 FL (HMO)
• Doctors HealthCare Plans: DrExtraCare-SFL (HMO C-SNP); DrMax-Dade (HMO); DrPartialDual-SFL (HMO D-SNP); DrSelect-SFL (HMO)
• Elevance Health (Anthem): Simply Complete Platinum (HMO D-SNP)
• Gold Kidney Health Plan: Gold Heart & Diabetes (HMO-POS C-SNP)
• Humana: Humana Dual Integrated (PPO D-SNP); HumanaChoice Giveback H7617-145 (PPO)

Renamed plans — same plan, new label

Twenty plans are continuing but changing their name for 2027. A few examples of the renames:

• Aetna Medicare Select Care (HMO) — was Aetna Medicare Select (HMO)
• Wellcare Giveback (HMO-POS) — was Wellcare Giveback (HMO)
• DEVOTED CORE 037 FL (HMO) — was DEVOTED PREMIUM 037 FL (HMO)
• Humana Dual Select H1036-077 (HMO D-SNP) — was Humana Gold Plus SNP-DE H1036-077A (HMO D-SNP)
• UHC Dual Complete FL-Q1 (PPO D-SNP) — was UHC Dual Complete FL-D003 (PPO D-SNP)

If your plan name looks a little different this year, that alone is not a red flag — check your Annual Notice of Change to see whether anything about the coverage itself is different.

What to do if your plan is leaving

If your Medicare Advantage plan is on the non-renewal list, you have two enrollment windows to make a move:

• Annual Enrollment Period (Oct. 15 – Dec. 7): Pick a new Medicare Advantage plan, or return to Original Medicare and add a stand-alone Part D drug plan. Your choice takes effect Jan. 1, 2027.
• Special Enrollment Period for a non-renewed plan: Because your plan is ending, CMS grants you an SEP that runs through the end of February 2027 to switch to another Advantage plan or return to Original Medicare with a Part D plan.

If you do nothing, you generally will not be automatically enrolled in a comparable plan — you may end up back on Original Medicare with no drug coverage, which can lead to a late-enrollment penalty later. Take action before the deadlines.

If your plan is continuing but "changing"

Forty-one Miami-Dade plans are continuing but flagged in CMS data as changing on premium, deductible, plan type or name. The Landscape file only signals that a change exists; the details are in your Annual Notice of Change (ANOC), mailed each September. Compare that document against:

• Your current prescriptions and pharmacy
• Your primary care doctor and any specialists
• The Part D out-of-pocket cap is $2,100 in 2026 and $2,400 in 2027
• The Part D maximum deductible