Medicare Advantage
UnitedHealthcare's 2027 Medicare Advantage lineup in Orlando: 14 plans, with 2 new and 1 gone
Orlando, Fla. — For the plan year that begins Jan. 1, 2027, UnitedHealthcare is offering 14 Medicare Advantage plans in Orange County, the county Orlando sits in. That is one more than it offered this year, with two new plans, one plan not returning, and four others that are coming back under new names. Orange County shoppers can compare the full lineup during the Annual Enrollment Period, which runs Oct. 15 through Dec. 7, 2026.
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Key takeaways
- UnitedHealthcare will offer 14 Medicare Advantage plans in Orange County for 2027: 6 HMO-POS and 8 PPO.
- Of those, 2 are new for 2027, 1 is not returning, and 4 are returning under new names — the Annual Notice of Change (ANOC) spells out what changed.
- 7 of the 14 are Special Needs Plans (5 D-SNPs, 1 C-SNP, 1 I-SNP), and 12 include Part D drug coverage.
- The window to switch, add or drop a plan for 2027 coverage is Oct. 15 – Dec. 7, 2026; if you do nothing, your current plan renews if it is offered next year.
| Fact | Figure | Source |
|---|---|---|
| Medicare Advantage plans offered in Orange County (2026) | 123 | CMS |
| Medicare Advantage plans offered in Orange County (2027) | 106 | CMS |
| Plans not returning for 2027 / new for 2027 | 33 / 16 | CMS |
| Organizations offering Medicare Advantage in Orange County (2026) | 16 | CMS |
| Share of eligible beneficiaries in Medicare Advantage, Orange County | 62% | CMS |
| Residents age 65 and older, Orange County | 191,739 | 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.
MyMedicarePlans.org is an independent consumer site. We are not UnitedHealthcare, and we are not Medicare. UnitedHealthcare is one of 16 carriers offering Medicare Advantage in Orange County next year; together, those carriers offer 106 plans.
How many UnitedHealthcare Medicare Advantage plans are offered in Orlando for 2027?
UnitedHealthcare is offering 14 Medicare Advantage plans in Orange County, which is where Orlando is located, for the 2027 plan year. By plan type, that is 6 HMO-POS plans and 8 PPO plans. Twelve of the 14 include Part D prescription drug coverage; two are PPOs without drug coverage.
Medicare Advantage availability is set at the county level by CMS, so these counts apply across Orange County — not just within Orlando city limits. The table below lists every UnitedHealthcare plan in the county for 2027, by plan name and plan type.
Which UnitedHealthcare plans are Special Needs Plans in Orange County for 2027?
Seven of UnitedHealthcare's 14 plans in Orange County for 2027 are Special Needs Plans (SNPs). The breakdown is 5 Dual Eligible SNPs (D-SNPs) for people who have both Medicare and Medicaid, 1 Chronic Condition SNP (C-SNP), and 1 Institutional SNP (I-SNP) for people who live in a qualifying nursing home.
SNPs have eligibility rules on top of the usual Medicare Advantage rules. To join one, you have to meet the specific condition the plan is designed around. The UnitedHealthcare SNPs in the county for 2027 include UHC Complete Care FL-14 (a C-SNP), five UHC Dual Complete plans (D-SNPs), and UHC Nursing Home Plan FL-F001 (an I-SNP). You can see all seven in the table below.
What is new, renamed or not returning from UnitedHealthcare in Orlando for 2027?
UnitedHealthcare is adding 2 new plans in Orange County for 2027, dropping 1, and renaming 4 others. The new plans are AARP Medicare Advantage Giveback from UHC FL-40 (HMO-POS) and UHC Dual Complete FL-Y5 (HMO-POS D-SNP). One plan from 2026 is not returning.
Four plans are back under new names:
- UHC Dual Complete FL-Q1 (PPO D-SNP) — was UHC Dual Complete FL-D003
- UHC Dual Complete FL-Q3 (Regional PPO D-SNP) — was UHC Dual Complete FL-D005
- UHC Dual Complete FL-QV2 (HMO-POS D-SNP) — was UHC Dual Complete FL-D002
- UHC Dual Complete FL-Y7 (PPO D-SNP) — was UHC Dual Complete FL-Y4
A rename does not automatically mean the plan is the same inside. The specifics — copays, provider network, drug list, extra benefits — live in each plan's Annual Notice of Change (ANOC), which members should have received by late September 2026, and in the 2027 Evidence of Coverage.
What should I check before Dec. 7 if I have one of these plans?
Before the Dec. 7, 2026 deadline, check that your doctors are still in the plan's 2027 network and that your prescriptions are still on its 2027 drug list (its "formulary") at a cost you can live with. These are the two changes that most often catch people off guard, and both can shift from one plan year to the next even if the plan name stays the same.
The simplest way to do this is on the Medicare Plan Finder at medicare.gov. You enter your ZIP code and your medications, and the tool shows how each plan in Orange County covers them for 2027. You can also call 1-800-MEDICARE (TTY 1-877-486-2048), 24 hours a day, 7 days a week. To confirm a specific doctor or hospital, check the plan's own 2027 provider directory, since networks can change mid-year as well.
If you do nothing by Dec. 7, your current plan renews for 2027 as long as it is offered. The changes described in your ANOC take effect automatically on Jan. 1, 2027.
What Medicare figures for 2027 are already confirmed?
CMS has confirmed several Part D figures for 2027. The Part D out-of-pocket cap rises to $2,400 in 2027, up from $2,100 in 2026. The Part D maximum deductible a plan can charge rises to $700 in 2027, up from $615 in 2026. The Part D national base beneficiary premium for 2027 is $41.33 — that is a formula input CMS uses, not what any particular plan charges.
The 2027 Part B standard premium and deductible and the 2027 IRMAA income brackets have not been announced yet. CMS typically publishes those in the fall, usually in November. Until then, treat any 2027 Part B number you see as a projection, not a confirmed figure.
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 Orange County
(MA penetration in Orange 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 Orange County for 2027
CMS lists 14 UnitedHealthcare Medicare Advantage plans in Orange 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 CareFlex from UHC FL-39 (HMO-POS) | HMO-POS | Yes | Returning |
| AARP Medicare Advantage from UHC FL-0007 (HMO-POS) | HMO-POS | Yes | Returning |
| AARP Medicare Advantage from UHC FL-0018 (PPO) | PPO | Yes | Returning |
| AARP Medicare Advantage from UHC FL-0031 (Regional PPO) | PPO | Yes | Returning |
| AARP Medicare Advantage Giveback from UHC FL-40 (HMO-POS) | HMO-POS | Yes | New |
| AARP Medicare Advantage Patriot No Rx FL-MA01 (Regional PPO) | PPO | No | Returning |
| AARP Medicare Advantage Patriot No Rx FL-MA2 (PPO) | PPO | No | Returning |
| UHC Complete Care FL-14 (HMO-POS C-SNP) | HMO-POS C-SNP | Yes | 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-QV2 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | Renamed |
| UHC Dual Complete FL-Y5 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | New |
| UHC Dual Complete FL-Y7 (PPO D-SNP) | PPO D-SNP | Yes | Renamed |
| UHC Nursing Home Plan FL-F001 (PPO I-SNP) | PPO I-SNP | 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 Orange 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.
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The parts of Medicare
Good to know
Frequently asked questions
Do I have to do anything during Annual Enrollment if I like my UnitedHealthcare plan?
My plan's name changed for 2027. Is it a different plan?
Where can I compare every UnitedHealthcare plan in Orange County against my prescriptions?
I missed Dec. 7. Can I still change my Medicare Advantage plan?
- 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 Orlando
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: the Orange County plan counts, plan names, plan types, SNP designations and the new/renamed/not-returning changes for UnitedHealthcare.
- CMS — 2027 Part D parameters: the $2,400 out-of-pocket cap, $700 maximum deductible and $41.33 national base beneficiary premium.
- Medicare.gov — Enrollment periods and the Medicare Plan Finder: the Oct. 15 – Dec. 7 Annual Enrollment window and the tool for checking doctors and drugs against specific plans.
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.