Medicare Advantage

Living with a chronic condition in Miami? How C-SNPs work and the 20 plans offered for 2027

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.

MIAMI — Fall 2026. If you live with a serious long-term condition like diabetes, heart disease, lung disease or end-stage kidney disease, Medicare has a specific kind of plan designed around you. It's called a Chronic Condition Special Needs Plan, or C-SNP. For 2027, Miami-Dade County will have 20 of them, offered by eight carriers.

Open enrollment for 2027 coverage runs October 15 through December 7, 2026. The sections below explain how a C-SNP works, who qualifies, and which carriers are offering one in the county next year.

What a C-SNP actually is

A Chronic Condition Special Needs Plan is a type of Medicare Advantage plan. Like other Advantage plans, it bundles your Part A (hospital), Part B (medical) and, in these cases, Part D (prescription drugs) into one plan from a private insurer.

What makes a C-SNP different is who it's for. Every C-SNP is built around one or more severe or disabling chronic conditions on a list defined by Medicare — things like diabetes, chronic heart failure, chronic lung disorders, or end-stage renal disease. The plan's doctor network, drug list and extra benefits are shaped around managing that condition.

Because the plan is tailored, it is not open to the general Medicare population. You have to actually have the condition the plan is designed for.

Who qualifies and how enrollment works

To join a C-SNP, two things have to be true:

1. You have Medicare Part A and Part B. 2. You have a qualifying chronic condition, and a provider confirms the diagnosis.

The plan will ask your doctor to verify your diagnosis, usually with a short form. If your provider doesn't confirm it within the plan's timeframe, your enrollment can be cancelled.

Here is the part many people miss: having a qualifying chronic condition gives you a Special Enrollment Period. You don't have to wait for the Annual Enrollment Period (October 15 – December 7) to join a C-SNP. You can enroll once when you're first eligible based on your diagnosis. After that, if you want to switch between C-SNPs or move to a different plan, the regular enrollment rules apply.

The 2027 C-SNP lineup in Miami-Dade

For 2027, Miami-Dade County has 20 C-SNPs from 8 carriers. (For context, the county also has 34 Dual Eligible SNPs for people with both Medicare and Medicaid, and 6 Institutional SNPs for people in nursing-home-level care.)

Here are the carriers offering a C-SNP in the county for 2027, in alphabetical order, with the number of C-SNPs each has:

• Aetna (CVS Health) — 1
• Devoted Health — 2
• Doctors HealthCare Plans, Inc. — 1
• Elevance Health (Anthem) — 1
• Gold Kidney Health Plan — 4
• Humana — 6
• Solis Health Plans — 3
• UnitedHealthcare — 2

The table below lists every C-SNP by name. A few names on the list signal which condition the plan is built around — for example, Humana's Humana Gold Plus - Diabetes and Heart (HMO C-SNP) and Humana Gold Plus Lung (HMO C-SNP), and Gold Kidney Health Plan's Gold Dialysis & Kidney and Gold Heart & Diabetes plans. For any plan whose name doesn't say, you'll need to check the plan's materials or call to find out which condition it covers.

A couple of changes to note for 2027: DrExtraCare-SFL (HMO C-SNP) from Doctors HealthCare Plans is new, Gold Heart & Diabetes (HMO-POS C-SNP) from Gold Kidney Health Plan is new, and Devoted Health's DEVOTED C-SNP ENHANCED 067 FL (HMO C-SNP) is a renamed version of its 2026 C-SNP.

How a C-SNP differs from a regular Advantage plan

C-SNPs are required to include Part D drug coverage, so you don't need a separate drug plan. Each one also uses a model of care: a written plan for how the insurer coordinates your care — things like a care coordinator, specialist referrals, and medication management focused on your condition.

What a C-SNP looks like in practice — the premium, deductible, copays, provider network, drug list and any extra benefits — varies plan by plan, and those details are set each year. The place to compare apples to apples is the Medicare Plan Finder at medicare.gov, which lets you enter your ZIP code, your medications and your doctors.

Important 2027 figures to keep in mind

A few program-wide numbers that apply to any Medicare drug plan next year, including C-SNPs:

• The Part D out-of-pocket cap rises to $2,400 in 2027 (it is $2,100 in 2026).
• The Part D maximum deductible is $700 in 2027 (up from $615 in 2026).
• The Medicare Prescription Payment Plan is still available if you want to spread drug costs over the calendar year.

The 2027 Part B standard premium, Part B deductible, and the IRMAA income-related surcharges have not yet been announced. CMS typically publishes those figures later in the fall.

What to do during open enrollment

If you already have a C-SNP, read your Annual Notice of Change (ANOC). This is the document your plan sends every fall explaining what will change in 2027 — the drug list, cost-sharing, network, extra benefits. If you do nothing and your plan is offered again next year, it will renew automatically with those changes.

If you think a C-SNP might fit you, talk to your doctor first about your diagnosis. Then compare plans on medicare.gov or by calling 1-800-MEDICARE (1-800-633-4227), which is open 24 hours a day, 7 days a week. TTY users can call 1-877-486-2048.