Medicare Advantage

Orlando's 2027 Medicare Advantage menu, plan by plan

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 live in Orlando and are sorting through your Medicare choices for 2027, here is the lay of the land: 16 insurance carriers are offering Medicare Advantage plans in Orange County next year, and the table below on this page lists every one of them, by carrier, with the plan type and whether it includes drug coverage.

That is a lot to sift through, so this guide walks you through what is on the shelf, what the plan-type labels mean, and where to check the details that matter to your own situation.

What is on the shelf in Orange County for 2027

Medicare plan availability is set county by county, so when we say "Orlando plans," we mean the plans CMS lists as available in Orange County. For 2027, that is 90 Medicare Advantage plans across 16 carriers. Every one of them is an MA-PD plan — meaning drug coverage is bundled in — so there are no stand-alone Part D plans listed here that Advantage members would pair with.

By plan type, the county's roster breaks down as 84 HMO plans, 11 HMO-POS plans and 28 PPO plans. Of the 123 plans, 64 are Special Needs Plans (SNPs), which we explain further below.

The full list of plans by carrier — with plan type and drug-coverage status — is in the table below on this page.

The carriers offering Medicare Advantage in Orlando

Here are the 16 carriers with Medicare Advantage plans available in Orange County for 2027, in alphabetical order, with how many plans each one offers:

• Aetna (CVS Health): 9 plans (HMO, HMO-POS, PPO; 3 SNPs)
• Align Senior Care: 2 plans (HMO; 2 SNPs)
• Blue Cross Blue Shield (HCSC): 4 plans (HMO; 2 SNPs)
• Centene (WellCare): 6 plans (HMO; 3 SNPs)
• Devoted Health: 9 plans (HMO; 5 SNPs)
• Doctors HealthCare Plans, Inc.: 3 plans (HMO; 2 SNPs)
• Elevance Health (Anthem): 22 plans (HMO, HMO-POS; 15 SNPs)
• Florida Blue: 2 plans (PPO)
• Florida Blue HMO: 2 plans (HMO)
• Florida Complete Care: 3 plans (HMO, HMO-POS; 3 SNPs)
• Health First Health Plans, Inc.: 3 plans (HMO, HMO-POS)
• Humana: 35 plans (HMO, HMO-POS, PPO; 14 SNPs)
• Longevity Health Plan: 1 plan (HMO; 1 SNP)
• Solis Health Plans: 4 plans (HMO; 3 SNPs)
• Ultimate Health Plans: 5 plans (HMO; 4 SNPs)
• UnitedHealthcare: 13 plans (HMO-POS, PPO; 7 SNPs)

The individual plan names — for example, Aetna Medicare Premier (PPO), BlueMedicare Classic (HMO), Devoted Core 005 FL (HMO), Humana Gold Plus H1036-146 (HMO), Wellcare Simple (HMO) and AARP Medicare Advantage from UHC FL-0007 (HMO-POS) — appear in the on-page table alongside every other plan in the county.

What the plan-type labels mean

You will see three plan-type abbreviations in the roster:

• HMO (Health Maintenance Organization): You use the plan's network of doctors and hospitals and typically need a referral to see a specialist.
• HMO-POS (HMO with a Point-of-Service option): Similar to an HMO, but the plan lets you go outside the network for certain services, usually at higher cost.
• PPO (Preferred Provider Organization): You can see providers outside the network, generally at a higher cost share, and referrals are usually not required.

Some PPO plans are labeled "Regional PPO," meaning they serve a multi-county service area defined by CMS.

Special Needs Plans, and who they are for

Of the 123 plans in Orange County, 64 are Special Needs Plans. SNPs are Medicare Advantage plans built for people who meet specific criteria. You will see three types in the roster:

• D-SNP (Dual Eligible): For people who have both Medicare and Medicaid.
• C-SNP (Chronic Condition): For people with a qualifying long-term condition, such as diabetes, chronic heart failure or COPD.
• I-SNP (Institutional): For people living in a nursing facility, or who need that level of care at home.

You have to qualify to enroll in an SNP, and each plan spells out its criteria. If you are not sure whether one applies to you, the Plan Finder and the plan's own materials will lay out the eligibility rules.

How to compare the plans that fit you

Because the compliance rules for this kind of local roster do not allow us to attach a premium, deductible, copay, benefit or star rating to any named plan, the way to go from "here is what is available" to "here is what fits me" is to run your own numbers on medicare.gov's Plan Finder. It lets you enter your ZIP code, your prescriptions and your preferred pharmacies, and it returns each plan's costs and coverage side by side.

A few 2027 program-level facts worth keeping in mind while you compare:

• The Part D annual out-of-pocket cap is $2,100 in 2026 and $2,400 in 2027.
• The Part D maximum deductible is $615 in 2026 ($700 in 2027).
• The coverage gap (the old "donut hole") has been eliminated as of 2025, leaving three coverage phases.
• The Medicare Prescription Payment Plan is an option that lets you spread your drug costs across the year in monthly amounts, at no added charge.
• IRMAA surcharges — extra amounts higher-income enrollees pay on Part B and Part D — begin above $109,000 in income for a single filer in 2026.

Key dates for Orlando enrollees

• Oct. 15 – Dec. 7, 2026: Medicare's Annual Enrollment Period. Coverage you pick starts Jan. 1, 2027.
• Jan. 1 – March 31, 2027: Medicare Advantage Open Enrollment. If you are already in a Medicare Advantage plan, you can make one change during this window.

If your current plan is being discontinued or is changing its benefits in ways that affect you, your carrier will send you an Annual Notice of Change (ANOC) — it is the document that spells out what is different next year, plan by plan.