Medicare Advantage

33 Medicare Advantage plans in Orlando are closing after 2026 — here's what members can do

People in Orlando can choose from 106 Medicare Advantage plans for 2027, against 123 this year. 33 of this year’s plans are gone, 16 are new to Orange County, and 46 that continue have changed their premium, deductible, plan type or name, 16 of them under a new name.

ORLANDO — If you have a Medicare Advantage plan in the Orlando area, check your mail this fall. In Orange County, the county Orlando sits in, 33 Medicare Advantage plans offered in 2026 are not being offered again for 2027, according to the CMS Landscape Source Files. People in one of those plans should have received, or will soon receive, a non-renewal letter from the carrier explaining that the plan is ending on December 31, 2026.

That letter matters. It triggers a Special Enrollment Period and protects some rights that only apply when a plan goes away. Here is how to tell if your plan is on the list, what happens if you do nothing, and what choices you have.

Which Medicare Advantage plans are ending in Orlando after 2026?

In Orange County, 33 Medicare Advantage plans available in 2026 are not in the CMS 2027 file for the county. The 2026 lineup had 123 plans from 16 carriers; the 2027 lineup has 106 plans from 16 carriers.

The plans not returning for 2027, listed alphabetically by carrier, are:

• Aetna (CVS Health): Aetna Medicare Premier (PPO); Aetna Medicare Select Extra (HMO-POS); Aetna Medicare Signature (PPO)
• Align Senior Care: Premier Care (HMO I-SNP); Senior Care (HMO I-SNP)
• Centene (WellCare): Wellcare Dual Access Sync (HMO D-SNP); Wellcare Patriot Giveback (HMO); Wellcare Sunshine Health Dual Align (HMO D-SNP)
• Doctors HealthCare Plans, Inc.: DrSelect-CFL (HMO); DrTotalCare-CFL (HMO C-SNP)
• Elevance Health (Anthem): Freedom Medi-Medi Full (HMO D-SNP); Optimum Emerald Full (HMO D-SNP); 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)
• Health First Health Plans, Inc.: Health First Complete Care H1099-023 (HMO); Health First Emerald Plus H1099-024 (HMO); Health First Premier Access H1099-025 (HMO-POS)
• HealthSpring: HealthSpring Preferred Savings (HMO)
• Humana: CareNeeds Extra (HMO D-SNP); Humana Direct Choice Giveback (PPO); Humana Direct Choice Giveback (PPO); Humana Full Access Giveback H5216-393 (PPO); Humana Full Access Giveback H7617-111 (PPO); Humana USAA Honor Giveback (PPO); HumanaChoice Florida H5216-304 (PPO); HumanaChoice Florida H7617-109 (PPO)
• UnitedHealthcare: UHC Dual Complete FL-Y5 (HMO-POS D-SNP)

Being on this list means the plan itself is closing in Orange County — it does not mean the carrier is leaving. Several of these insurers still offer other plans for 2027. The table on this page shows the full picture.

How do I know if my Orlando Medicare Advantage plan is ending?

Your plan's carrier is required to send you a written non-renewal notice, usually arriving in October. The letter will say the plan will not be offered in 2027 and that your coverage will end on December 31, 2026.

Look for an envelope from your insurer that may be labeled "Important: Plan Non-Renewal Notice" or similar. Keep it. You may need it to prove to another plan or a Medigap insurer that your coverage is ending — that proof unlocks the Special Enrollment Period and some protections described below.

If you are unsure whether a letter you received is a non-renewal, you can call the number on the back of your member ID card, or call 1-800-MEDICARE (1-800-633-4227), 24 hours a day, 7 days a week.

What happens in Orlando if I do nothing about a non-renewed plan?

If your Medicare Advantage plan is ending and you make no change by December 31, 2026, you will be returned to Original Medicare (Part A and Part B) on January 1, 2027. You keep your Medicare — you do not lose it.

But two things do not come with you automatically:

• Prescription drug coverage. Most Medicare Advantage plans include Part D. Original Medicare does not. If you do not join a stand-alone Part D plan or a new Medicare Advantage plan with drug coverage, you will have no Medicare drug coverage on January 1, 2027.
• Extra benefits. Any extras your Advantage plan offered end when the plan ends.

Original Medicare also has no yearly out-of-pocket limit on its own, which is why many people pair it with a Medigap (Medicare Supplement) policy.

What are my choices and when is the Special Enrollment Period?

If your plan is not returning, Medicare gives you more than one window to act:

• The Annual Enrollment Period runs October 15 – December 7, 2026. A choice made during this window takes effect January 1, 2027.
• A Special Enrollment Period for a non-renewed Medicare Advantage plan runs through the end of February 2027 (February 28, 2027). You can use it to join a different Medicare Advantage plan or to switch to Original Medicare with a stand-alone Part D plan.

Your choices generally include:

• Pick a different Medicare Advantage plan offered in Orange County for 2027. The table on this page lists every plan.
• Return to Original Medicare and add a stand-alone Part D plan for drug coverage.
• Return to Original Medicare and look at a Medigap policy.

When a Medicare Advantage plan is non-renewed, federal rules give you a Medigap guaranteed-issue right for certain policies — meaning an insurer cannot turn you down or charge you more because of your health, within set limits. Florida has its own rules on top of federal protections; for state-specific questions you can contact the Florida Office of Insurance Regulation or the Florida Department of Financial Services.

What else is changing for Medicare in 2027?

A few program-level numbers are already set for 2027 and apply no matter which plan you pick:

• The Part D out-of-pocket cap is $2,400 in 2027, up from $2,100 in 2026.
• The Part D maximum deductible is $700 in 2027, up from $615 in 2026.
• The Part D national base beneficiary premium is $41.33 for 2027. This is a formula input used across the program; it is not the premium any single plan charges.

The 2027 Part B standard premium and deductible, and the 2027 IRMAA income brackets, have not been announced yet. CMS usually publishes those in the fall, typically in November.

If your current plan is returning for 2027, read the Annual Notice of Change (ANOC) your carrier sends — it spells out what is different next year, from the drug list to the provider network to cost sharing.