Medicare Advantage

HealthSpring's 2027 Medicare Advantage plans in Tampa: a plan-by-plan look before Dec. 7

TAMPA, Fla. — With the Medicare Annual Enrollment Period running Oct. 15 through Dec. 7, 2026, Tampa residents who have — or are considering — a HealthSpring Medicare Advantage plan now have the full 2027 lineup to review. In Hillsborough County, which includes Tampa, HealthSpring is offering three Medicare Advantage plans for 2027. All three are HMOs, all three include drug coverage, and two of the three are Dual Eligible Special Needs Plans (D-SNPs) for people who have both Medicare and Medicaid.

MyMedicarePlans.org is an independent consumer site and is not HealthSpring, HCSC or Medicare. HealthSpring is one of 18 carriers offering Medicare Advantage in Hillsborough County next year, and together those carriers offer 124 plans.

What HealthSpring Medicare Advantage plans are offered in Tampa for 2027?

HealthSpring is offering three Medicare Advantage plans in Hillsborough County — the county Tampa sits in — for the 2027 plan year. CMS lists these plans under their parent organization, Health Care Service Corporation (HCSC), but they are sold under the HealthSpring name.

The three plans, in alphabetical order, are:

• HealthSpring Preferred (HMO) — HMO, with drug coverage
• HealthSpring TotalCare (HMO D-SNP) — HMO D-SNP, with drug coverage
• HealthSpring TotalCare Plus (HMO D-SNP) — HMO D-SNP, with drug coverage

The table below lists every plan. For specific premiums, copays, provider networks, drug formularies and star ratings, use the Medicare Plan Finder at medicare.gov or call 1-800-MEDICARE.

What plan types does HealthSpring offer in Hillsborough County for 2027?

All three HealthSpring plans in Hillsborough County for 2027 are HMOs, and all three include Part D prescription drug coverage.

With an HMO, you generally use the plan's network of doctors and hospitals, and in most cases you pick a primary care doctor who coordinates referrals to specialists. There are no PPO, POS or private fee-for-service plans in HealthSpring's 2027 Tampa lineup.

Does HealthSpring offer Special Needs Plans in Tampa for 2027?

Yes. Two of HealthSpring's three 2027 plans in Hillsborough County are Dual Eligible Special Needs Plans (D-SNPs): HealthSpring TotalCare (HMO D-SNP) and HealthSpring TotalCare Plus (HMO D-SNP).

D-SNPs are built for people who qualify for both Medicare and Medicaid, and they are only open to people who meet those eligibility rules. HealthSpring is not offering a Chronic Condition SNP (C-SNP) or an Institutional SNP (I-SNP) in the county for 2027.

What is new or not returning from HealthSpring in Tampa for 2027?

Compared with 2026, HealthSpring has no plans leaving the Hillsborough County market, no new plans entering, and no renamed plans for 2027. The three plans listed above are the same three plans the carrier offered in the county this year.

That does not mean nothing is changing. Every Medicare Advantage plan sends members an Annual Notice of Change (ANOC) each fall that spells out next year's premium, deductible, copays, drug tiers, provider network and extra benefits. Even when the plan name is the same, those details can shift from one year to the next, so it is worth reading the ANOC before Dec. 7.

How do I check a HealthSpring plan against my doctors and prescriptions before Dec. 7?

The fastest way is the Medicare Plan Finder at medicare.gov. Create or sign in to your account, enter your Tampa ZIP code, add your prescription drugs with the exact doses, and add your preferred pharmacy. The tool will show each plan's drug cost estimate and let you check whether a specific plan includes your drugs on its formulary.

For doctors and hospitals, go one step further and confirm the network directly:

• Check the plan's online provider directory for 2027 (the 2026 directory may not match next year's network).
• Call your doctor's office and ask whether they will accept the specific HealthSpring plan you are considering in 2027 — not just "HealthSpring."
• Call 1-800-MEDICARE (TTY 1-877-486-2048), available 24 hours a day, seven days a week, for help comparing plans.

If you already have a HealthSpring plan and do nothing by Dec. 7, 2026, your plan renews on Jan. 1, 2027, with the changes described in your ANOC.

What else should Tampa Medicare shoppers keep in mind for 2027?

A few program-wide numbers CMS has already confirmed for 2027 are worth knowing as you compare drug coverage:

• The Part D out-of-pocket cap rises to $2,400 in 2027 (it is $2,100 in 2026).
• The Part D maximum deductible is $700 in 2027 (it is $615 in 2026).
• The Part D national base beneficiary premium is $41.33 for 2027. That number is a formula input Medicare uses, not what any specific plan charges.

The 2027 standard Part B premium and deductible, and the 2027 IRMAA income brackets, have not yet been announced; CMS typically publishes those figures later in the fall. The Medicare Prescription Payment Plan — the option to spread your drug costs over the calendar year in monthly payments — remains available.

If you miss the Dec. 7 deadline and you are already in a Medicare Advantage plan, the Medicare Advantage Open Enrollment Period (Jan. 1 – March 31, 2027) gives you one chance to switch Medicare Advantage plans or go back to Original Medicare.