Medicare Advantage
UnitedHealthcare's 2027 Medicare Advantage lineup in Miami: three plans gone, seven renamed
MIAMI — As the Annual Enrollment Period for 2027 Medicare coverage opens on October 15, 2026, UnitedHealthcare's Medicare Advantage menu in Miami-Dade County is shifting. The carrier will offer 14 Medicare Advantage plans in the county for 2027, down from 17 this year, with three plans not returning, no new plans added, and seven plans carrying new names.
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Key takeaways
- UnitedHealthcare will offer 14 Medicare Advantage plans in Miami-Dade County for 2027: 6 HMO, 2 HMO-POS, and 6 PPO.
- Three UnitedHealthcare plans are not returning for 2027, no plans are new, and seven are renamed — the Annual Notice of Change (ANOC) your plan mailed you spells out what is different.
- Of the 14 plans, 10 are Special Needs Plans (7 D-SNP for people with Medicare and Medicaid, 2 C-SNP for certain chronic conditions, and 1 I-SNP for nursing-home residents); 13 include Part D drug coverage.
- You can check any plan against your doctors and prescriptions at medicare.gov or by calling 1-800-MEDICARE through the December 7, 2026 deadline.
| Fact | Figure | Source |
|---|---|---|
| Medicare Advantage plans offered in Miami-Dade County (2026) | 115 | CMS |
| Medicare Advantage plans offered in Miami-Dade County (2027) | 101 | CMS |
| Plans not returning for 2027 / new for 2027 | 30 / 16 | CMS |
| Organizations offering Medicare Advantage in Miami-Dade County (2026) | 17 | CMS |
| Share of eligible beneficiaries in Medicare Advantage, Miami-Dade County | 75% | CMS |
| Residents age 65 and older, Miami-Dade County | 463,896 | U.S. Census Bureau |
| Part B standard monthly premium (2026) | $202.90 | Medicare.gov |
| Part D out-of-pocket cap (2026) | $2,100 | CMS |
| Part D out-of-pocket cap (2027) | $2,400 | CMS |
| Annual Enrollment Period (for 2027 coverage) | October 15 – December 7, 2026 | Medicare.gov |
| Medicare Advantage Open Enrollment Period | January 1 – March 31 | Medicare.gov |
Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.
For Miami residents who already have a UnitedHealthcare plan, the practical question is whether the plan you have today is on next year's list — and if it is, whether anything inside it has changed. The deadline to make a switch for coverage that starts January 1, 2027, is December 7, 2026.
MyMedicarePlans.org is an independent consumer news and education site. We are not UnitedHealthcare, and we are not Medicare. UnitedHealthcare is one of 16 carriers offering Medicare Advantage in Miami-Dade County for 2027; across all carriers, there are 101 plans in the county next year.
How many UnitedHealthcare Medicare Advantage plans are offered in Miami for 2027?
UnitedHealthcare will offer 14 Medicare Advantage plans in Miami-Dade County — the county Miami is in — for the 2027 plan year. By type, that is 6 HMO plans, 2 HMO-POS plans, and 6 PPO plans. Thirteen of the 14 include Part D prescription drug coverage; one does not.
That is three fewer plans than UnitedHealthcare offers in the county in 2026, when it had 17. The table below lists every UnitedHealthcare plan in the county for 2027 by name and type.
For context, UnitedHealthcare is one of 16 carriers selling Medicare Advantage in Miami-Dade County next year. All carriers together offer 101 plans in the county.
Which UnitedHealthcare plans in Miami are new, renamed, or not returning for 2027?
In Miami-Dade County, UnitedHealthcare is not adding any new Medicare Advantage plans for 2027, is not renewing three of its 2026 plans, and is renaming seven others. The plan contracts themselves generally continue — the names on them change.
The renamed plans for 2027 are:
- UHC Dual Complete FL-Q1 (PPO D-SNP) — previously UHC Dual Complete FL-D003
- UHC Dual Complete FL-Q3 (Regional PPO D-SNP) — previously UHC Dual Complete FL-D005
- UHC Dual Complete FL-Y7 (PPO D-SNP) — previously UHC Dual Complete FL-Y4
- UHC Dual Complete FL-YL (HMO-POS D-SNP) — previously UHC Dual Complete FL-Y001
- UHC Preferred Dual Complete FL-QV4 (HMO D-SNP) — previously UHC Preferred Dual Complete FL-D001
- UHC Preferred Dual Complete FL-QV5 (HMO D-SNP) — previously UHC Preferred Dual Complete FL-V1
- UHC Preferred Dual Complete FL-Y6 (HMO-POS D-SNP) — previously UHC Preferred Dual Complete FL-Y2
A rename does not necessarily mean the benefits are the same or different — only that the plan has a new label. The specific changes for your plan are in the Annual Notice of Change (ANOC) the plan sent you in late September.
What Special Needs Plans does UnitedHealthcare offer in Miami-Dade County in 2027?
UnitedHealthcare will offer 10 Special Needs Plans in Miami-Dade County for 2027, broken down as 7 Dual-Eligible SNPs (D-SNPs), 2 Chronic Condition SNPs (C-SNPs), and 1 Institutional SNP (I-SNP).
Special Needs Plans are a type of Medicare Advantage plan with a limited membership. You generally qualify only if you meet the plan's criteria:
- D-SNPs are for people who have both Medicare and Medicaid.
- C-SNPs are for people with certain qualifying chronic conditions (each C-SNP defines which).
- I-SNPs are for people who live in a nursing home or need a similar level of care.
If you are not sure whether you qualify, medicare.gov and 1-800-MEDICARE can walk you through it.
How do I check a UnitedHealthcare plan against my doctors and prescriptions before December 7?
The most reliable way, for Miami residents comparing 2027 coverage, is the Medicare Plan Finder at medicare.gov. It lets you enter your ZIP code, your prescriptions, your preferred pharmacy, and your doctors, and then shows how each plan treats them.
A short checklist:
1. Have your Medicare number and your prescription bottles handy. 2. At medicare.gov, start a plan comparison for ZIP codes in Miami-Dade County and add each drug with its dose and frequency. 3. Pick your preferred pharmacy — the same drug can be priced differently at different pharmacies within one plan. 4. Open each plan you are considering and look for your doctors and hospitals in its provider directory. 5. For anything you cannot confirm online, call 1-800-MEDICARE (24/7) or the plan directly using the number on the plan's page.
Networks and drug lists can change from one plan year to the next, so a plan that covered your doctor or medicine in 2026 is worth re-checking for 2027.
What is changing in Medicare itself for 2027?
Two Part D figures are already confirmed for 2027. The Part D out-of-pocket cap rises to $2,400 in 2027, from $2,100 in 2026. The Part D maximum deductible rises to $700 in 2027, from $615 in 2026. CMS has also set the Part D national base beneficiary premium at $41.33 for 2027; that is a formula input, not what any specific plan charges.
The 2027 standard Part B premium and deductible have not been announced yet. Neither have the 2027 IRMAA income brackets and surcharges. CMS typically publishes those figures later in the fall, usually in November.
Two reminders on timing: the Annual Enrollment Period runs October 15 through December 7, 2026, and a change you make in that window takes effect January 1, 2027. If you do nothing and your plan is offered next year, it renews automatically with the changes described in its ANOC. The Medicare Advantage Open Enrollment Period (January 1 – March 31, 2027) gives Medicare Advantage members one more chance to switch Medicare Advantage plans or move back to Original Medicare.
By the numbers
Medicare Part B premium, 2006–2026
The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.
Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.
By the numbers
How people get Medicare in Miami-Dade County
(MA penetration in Miami-Dade County)
MA penetration from CMS enrollment data; Medigap share is an estimate. U.S. average is about 54% Medicare Advantage. These are area-level figures, not plan-specific.
2027 plan lineup
UnitedHealthcare Medicare Advantage plans in Miami-Dade County for 2027
CMS lists 14 UnitedHealthcare Medicare Advantage plans in Miami-Dade County for 2027, alphabetically by carrier. 15 other carriers also offer plans there.
| Plan | Type | Drug coverage | For 2027 |
|---|---|---|---|
| UnitedHealthcare 14 plans | |||
| AARP Medicare Advantage from UHC FL-0031 (Regional PPO) | PPO | Yes | Returning |
| AARP Medicare Advantage Patriot No Rx FL-MA01 (Regional PPO) | PPO | No | Returning |
| UHC Dual Complete FL-Q1 (PPO D-SNP) | PPO D-SNP | Yes | Renamed |
| UHC Dual Complete FL-Q3 (Regional PPO D-SNP) | PPO D-SNP | Yes | Renamed |
| UHC Dual Complete FL-Y7 (PPO D-SNP) | PPO D-SNP | Yes | Renamed |
| UHC Dual Complete FL-YL (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | Renamed |
| UHC MedicareMax Complete Care FL-30 (HMO C-SNP) | HMO C-SNP | Yes | Returning |
| UHC MedicareMax Medicare Advantage FL-0028 (HMO) | HMO | Yes | Returning |
| UHC Nursing Home Plan FL-F001 (PPO I-SNP) | PPO I-SNP | Yes | Returning |
| UHC Preferred Complete Care FL-0003 (HMO C-SNP) | HMO C-SNP | Yes | Returning |
| UHC Preferred Dual Complete FL-QV4 (HMO D-SNP) | HMO D-SNP | Yes | Renamed |
| UHC Preferred Dual Complete FL-QV5 (HMO D-SNP) | HMO D-SNP | Yes | Renamed |
| UHC Preferred Dual Complete FL-Y6 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | Renamed |
| UHC Preferred Medicare Advantage FL-0001 (HMO) | HMO | Yes | Returning |
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plan availability is set at the county level. No plan is ranked or recommended; premiums, benefits, networks and star ratings are not shown. Plan details come from the Medicare Plan Finder at medicare.gov or the plan itself.
The 2027 choices, by type
How UnitedHealthcare Medicare Advantage plans in Miami-Dade County break down for 2027
HMO plans use a network and usually a primary-care doctor and referrals; HMO-POS plans add some out-of-network coverage; PPO plans also cover out-of-network care, at a higher share; PFFS plans pay any provider that accepts the plan’s terms. Special Needs Plans serve people with Medicare and Medicaid (D-SNP), certain chronic conditions (C-SNP) or living in an institution (I-SNP).
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plan availability is set at the county level. No plan is ranked or recommended; premiums, benefits, networks and star ratings are not shown. Plan details come from the Medicare Plan Finder at medicare.gov or the plan itself.
Key dates
Medicare enrollment periods at a glance
- Around your 65thInitial Enrollment PeriodA 7-month window around the month you turn 65 — your first chance to sign up.
- October 15 – December 7Annual Enrollment PeriodAnyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan.
- January 1 – March 31Medicare Advantage Open EnrollmentIf you're already in a Medicare Advantage plan, you can make one change.
- January 1 – March 31General Enrollment PeriodFor people who missed their first chance to sign up for Part B.
- VariesSpecial Enrollment PeriodTriggered by life events like moving or losing other coverage.
Dates are set by Medicare and apply nationwide. Confirm your personal windows at Medicare.gov or 1-800-MEDICARE.
Explore
When can you enroll? An interactive year
Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.
Explore
The parts of Medicare
Good to know
Frequently asked questions
What happens if my UnitedHealthcare plan in Miami is not returning in 2027?
Do I have to do anything if I want to keep the same plan?
Why has my plan's name changed for 2027?
Where can I get help comparing plans without a sales pitch?
- CMS — MA Landscape Source File (plan-level availability by county)
- CMS — MA Landscape Source Files, current and coming plan year (year-over-year comparison)
- CMS — Medicare enrollment periods (medicare.gov)
For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
Also for Miami
Sources and methodology
- CMS, Medicare Advantage and Part D Landscape Source Files
- CMS, Medicare Advantage state/county penetration and enrollment files
- U.S. Census Bureau, American Community Survey (table B01001, age 65 and older)
- Medicare.gov, Medicare costs (Part B premium)
- CMS, Medicare prescription drug coverage (Part D) program rules
- CMS, Medicare Advantage and Part D plan-year announcements
- Medicare.gov, enrollment periods and plan rules
Figures cited in this article
- CMS Medicare Advantage Landscape Source Files (plan years 2026 and 2027): plan counts, plan names, plan types, and year-over-year changes for Miami-Dade County.
- Medicare.gov: the Annual Enrollment Period dates, Medicare Advantage Open Enrollment dates, and the Plan Finder used to compare plans against doctors and prescriptions.
- CMS announcements for the 2027 Part D parameters: the $2,400 out-of-pocket cap, the $700 maximum deductible, and the $41.33 national base beneficiary premium.
How we put this together: area counts come from the CMS files listed above for the county that contains this city, program figures come from CMS, Medicare.gov and the Social Security Administration, and no plan is ranked or recommended.
By The Medicare Desk · Published . For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
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This page was last updated: October 2026.