Medicare Advantage
Does Your Tampa UHC Plan Still Fit for 2027?
Tampa, Fla. — Fall 2026 is the stretch when Medicare shoppers in Hillsborough County start comparing what their plan will look like in January. For readers who have UnitedHealthcare now, or are weighing it against other carriers, here is the full picture of what the insurer is offering in the county for 2027 — and what has shifted since this year.
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Key takeaways
- UnitedHealthcare is offering 16 Medicare Advantage plans in Hillsborough County for 2027, including 2 new plans, 5 renamed plans and 1 plan not returning from 2026.
- The 2027 lineup breaks down as 8 HMO-POS and 8 PPO plans; 14 include drug coverage, and 8 are Special Needs Plans (6 D-SNP, 1 C-SNP, 1 I-SNP).
- If you do nothing by December 7, 2026, your current plan rolls into 2027 with the changes listed in its Annual Notice of Change (ANOC).
- Use medicare.gov's Plan Finder or call 1-800-MEDICARE to check any plan against your doctors and prescriptions before you decide.
| Fact | Figure | Source |
|---|---|---|
| Medicare Advantage plans offered in Hillsborough County (2026) | 133 | CMS |
| Medicare Advantage plans offered in Hillsborough County (2027) | 124 | CMS |
| Plans not returning for 2027 / new for 2027 | 29 / 20 | CMS |
| Organizations offering Medicare Advantage in Hillsborough County (2026) | 19 | CMS |
| Share of eligible beneficiaries in Medicare Advantage, Hillsborough County | 63% | CMS |
| Residents age 65 and older, Hillsborough County | 229,164 | 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 news and education site, not UnitedHealthcare and not Medicare. UnitedHealthcare is one of 18 carriers selling Medicare Advantage in Hillsborough County next year; together those carriers offer 124 plans. The details below come from the CMS Medicare Advantage Landscape Source Files for 2026 and 2027.
How many UnitedHealthcare Medicare Advantage plans are offered in Tampa for 2027?
UnitedHealthcare is offering 16 Medicare Advantage plans in Hillsborough County — the county Tampa is in — for the 2027 plan year. That is up from 15 in 2026.
By plan type, the 2027 lineup is 8 HMO-POS plans and 8 PPO plans (including Regional PPOs). Fourteen of the 16 include Part D prescription drug coverage; two are offered without drug coverage. The full roster is in the table below.
What UnitedHealthcare plans are new, renamed or not returning in Hillsborough County for 2027?
For 2027, UnitedHealthcare has 2 new plans, 5 renamed plans and 1 plan not returning from the 2026 lineup in Hillsborough County.
The two new plans are AARP Medicare Advantage Giveback from UHC FL-40 (HMO-POS) and UHC Dual Complete FL-Y5 (HMO-POS D-SNP). The renamed plans are all in the UHC Dual Complete family: FL-Q1 (PPO D-SNP), FL-Q3 (Regional PPO D-SNP), FL-QV2 (HMO-POS D-SNP), FL-Y7 (PPO D-SNP) and FL-YL (HMO-POS D-SNP). A rename means the contract carries forward under a new plan name — your Annual Notice of Change spells out what, if anything, else is different. One plan from 2026 is not coming back next year; if you are enrolled in a plan that is leaving, UnitedHealthcare will send you a non-renewal notice explaining your options.
What Special Needs Plans does UnitedHealthcare offer in Tampa for 2027?
UnitedHealthcare is offering 8 Special Needs Plans in Hillsborough County for 2027: 6 Dual Eligible Special Needs Plans (D-SNPs), 1 Chronic Condition Special Needs Plan (C-SNP) and 1 Institutional Special Needs Plan (I-SNP).
Special Needs Plans are a type of Medicare Advantage plan limited to people who meet specific eligibility rules — for example, having both Medicare and Medicaid (D-SNP), living with a qualifying chronic condition (C-SNP), or living in a nursing facility (I-SNP). The D-SNPs in the 2027 lineup appear as UHC Dual Complete FL-Q1, FL-Q3, FL-QV2, FL-Y5, FL-Y7 and FL-YL. The C-SNP is UHC Complete Care FL-14, and the I-SNP is UHC Nursing Home Plan FL-F002. You can only enroll in an SNP if you meet its eligibility rules.
What should Tampa readers do before the December 7 deadline?
The Annual Enrollment Period runs October 15 through December 7, 2026, and any change you make takes effect January 1, 2027. If you do nothing, your current plan simply renews with the updates in its ANOC.
Three things are worth doing before December 7:
1. Read your Annual Notice of Change. Carriers mailed these in late September. It lists every change to your plan's premium, deductible, copays, drug tier placement and extra benefits for next year. 2. Check your doctors and hospitals. Networks can change year to year. Call each provider's billing office and ask whether they will accept the specific plan name in 2027 — not just "UnitedHealthcare." 3. Check your prescriptions. Enter each drug, dose and pharmacy into the Plan Finder at medicare.gov to see each plan's 2027 formulary, tier and estimated yearly cost. The Medicare Prescription Payment Plan is also available in 2027 if you want to spread drug costs across the year.
What is changing in Part D for 2027?
Two Part D figures are confirmed for 2027: the annual out-of-pocket cap rises to $2,400 (from $2,100 in 2026), and the maximum Part D deductible is $700 (from $615 in 2026). The national base beneficiary premium for 2027 is $41.33 — that is a formula input CMS uses, not what any specific plan charges.
The coverage gap ("donut hole") remains eliminated, so Part D now has three phases: deductible, initial coverage and catastrophic. The 2027 Part B standard premium and deductible, along with the 2027 IRMAA income brackets, have not been announced yet; CMS typically publishes those in November. The 2026 IRMAA surcharges start above $109,000 in income for a single filer.
How do I compare a UnitedHealthcare plan against my doctors and prescriptions?
Use the Medicare Plan Finder at medicare.gov. Enter your ZIP code, your prescription drugs with doses, and your preferred pharmacy; the tool returns every plan available in Hillsborough County with 2027 cost estimates, formulary tiers and star ratings. You can also call 1-800-MEDICARE, 24 hours a day, 7 days a week.
For questions specific to a UnitedHealthcare plan — network, extra benefits, prior authorization rules — the Evidence of Coverage and provider directory for that exact plan name are the authoritative documents. Make sure the plan name on the document matches the one on your member ID or the one you are considering; the renames above mean last year's plan name may not match the 2027 version.
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 Hillsborough County
(MA penetration in Hillsborough 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 Hillsborough County for 2027
CMS lists 16 UnitedHealthcare Medicare Advantage plans in Hillsborough County for 2027, alphabetically by carrier. 17 other carriers also offer plans there.
| Plan | Type | Drug coverage | For 2027 |
|---|---|---|---|
| UnitedHealthcare 16 plans | |||
| AARP Medicare Advantage CareFlex from UHC FL-34 (HMO-POS) | HMO-POS | Yes | Returning |
| AARP Medicare Advantage from UHC FL-0006 (HMO-POS) | HMO-POS | Yes | Returning |
| AARP Medicare Advantage from UHC FL-0019 (PPO) | PPO | Yes | Returning |
| AARP Medicare Advantage from UHC FL-0031 (Regional PPO) | PPO | Yes | Returning |
| AARP Medicare Advantage from UHC FL-003P (HMO-POS) | HMO-POS | 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 Dual Complete FL-YL (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | Renamed |
| UHC Nursing Home Plan FL-F002 (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 Hillsborough 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
Does UnitedHealthcare still offer PPO plans in Tampa for 2027?
My UnitedHealthcare plan has a new name for 2027 — do I have to re-enroll?
What happens if I do nothing by December 7, 2026?
How do I know if I qualify for a UnitedHealthcare Special Needs 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 Tampa
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 File (plan year 2026 and plan year 2027): UnitedHealthcare plan names and types in Hillsborough County, Hillsborough County carrier and plan counts, and year-over-year new, renamed and non-returning plans.
- CMS: confirmed 2027 Part D out-of-pocket cap, maximum deductible and national base beneficiary premium; 2026 Part D figures and 2026 IRMAA threshold.
- Medicare.gov: Annual Enrollment Period dates, Medicare Advantage Open Enrollment dates, Medicare Prescription Payment Plan, and the Plan Finder tool for personalized plan comparisons.
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.