Medicare Advantage
UnitedHealthcare Medicare Advantage in Florida for 2027: 57 Plans, County by County
FLORIDA — For the 2027 plan year, UnitedHealthcare is listed in the federal Medicare Advantage Landscape with 57 Medicare Advantage plans across Florida. That statewide total is a starting point, not a menu for any one address: Medicare Advantage plans are sold county by county, so a plan on the state list may not be offered where a particular reader lives. This article, from an independent Medicare education site that is not the government and not affiliated with any insurance carrier, walks through what the CMS files show for UnitedHealthcare in Florida for 2027.
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Key takeaways
- UnitedHealthcare has 57 Medicare Advantage plans listed statewide in Florida for 2027, and all 57 include drug coverage.
- The lineup includes 14 D-SNPs, 5 C-SNPs, and 3 I-SNPs for people who qualify for a Special Needs Plan.
- 2 UnitedHealthcare plans are new for 2027 and 14 are not returning, so current members should read their Annual Notice of Change.
- The Annual Enrollment Period runs October 15 – December 7, 2026, and a choice made during it takes effect January 1, 2027.
| Fact | Figure | Source |
|---|---|---|
| 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.
How many UnitedHealthcare Medicare Advantage plans are offered in Florida for 2027?
UnitedHealthcare has 57 Medicare Advantage plans listed statewide in Florida for 2027, and every one of them includes Part D prescription drug coverage. By plan type, the lineup breaks down as 10 HMO plans, 28 HMO-POS plans, and 19 PPO plans.
Within that total, 14 are Dual-Eligible Special Needs Plans (D-SNPs) for people with both Medicare and Medicaid, 5 are Chronic Condition Special Needs Plans (C-SNPs), and 3 are Institutional Special Needs Plans (I-SNPs) for people living in a long-term care setting. For context on choice, 23 other carriers also offer Medicare Advantage plans in Florida for 2027, and all carriers together list 560 plans statewide.
Which UnitedHealthcare Medicare Advantage plans have the widest county reach in Florida for 2027?
In Florida for 2027, the UnitedHealthcare plans listed in the most counties include AARP Medicare Advantage from UHC FL-0031 (Regional PPO), AARP Medicare Advantage Patriot No Rx FL-MA01 (Regional PPO), and UHC Dual Complete FL-Q3 (Regional PPO D-SNP), each offered in 67 counties, along with UHC Dual Complete FL-Y7 (PPO D-SNP) in 66 counties and UHC Dual Complete FL-Q1 (PPO D-SNP) in 54 counties.
Other wide-reach plans include AARP Medicare Advantage Patriot No Rx FL-MA2 (PPO) in 36 counties, UHC Dual Complete FL-Q2 (HMO-POS D-SNP) and UHC Dual Complete FL-Y8 (HMO-POS D-SNP) each in 39 counties, and UHC Nursing Home Plan FL-F001 (PPO I-SNP) in 27 counties. The full plan-by-plan county counts appear in the table on this page; "widest reach" simply means listed in more Florida counties, not that a plan is better or worse than a plan sold in a smaller area.
What UnitedHealthcare plans are new or not returning in Florida for 2027?
For 2027, UnitedHealthcare lists 2 new Medicare Advantage plans in Florida and 14 plans that are not returning. The new plans are AARP Medicare Advantage Giveback from UHC FL-40 (HMO-POS), listed in 19 counties, and UHC Dual Complete FL-Y5 (HMO-POS D-SNP), listed in 24 counties.
Several UHC Dual Complete and UHC Preferred Dual Complete plans have been renamed from their 2026 contract IDs — for example, UHC Dual Complete FL-Q3 (Regional PPO D-SNP) was previously UHC Dual Complete FL-D005. If a current member sees a different plan name on 2027 paperwork, that renaming is one reason to compare the Annual Notice of Change against this year's coverage carefully. If a plan is not returning, members usually have a Special Enrollment Period to pick a new plan; the exact dates and options are explained in CMS mailings and at medicare.gov.
How do I check whether a UnitedHealthcare plan is offered in my Florida county and covers my doctors and drugs?
To check whether a specific UnitedHealthcare plan is offered in a given Florida county for 2027, use the Medicare Plan Finder at medicare.gov or call 1-800-MEDICARE (TTY 1-877-486-2048), available 24 hours a day, 7 days a week. The Plan Finder will show which plans accept enrollments at a particular ZIP code and let a reader enter prescriptions and preferred pharmacies.
For doctors, hospitals, and specialists, the authoritative source is the plan's own provider directory, and for medications it is the plan's formulary and Evidence of Coverage. A plan name on the statewide list — say, AARP Medicare Advantage CareFlex from UHC FL-34 (HMO-POS), listed in 11 counties — may still not be available at a specific address, and provider networks can differ between two plans with similar names.
What should Florida Medicare beneficiaries do before December 7, 2026?
Before December 7, 2026, Florida beneficiaries can use the Annual Enrollment Period (October 15 – December 7, 2026) to join, switch, or drop a Medicare Advantage or Part D plan, with coverage starting January 1, 2027. There is no need to rush the decision; the window is the same for everyone.
A practical checklist: read the Annual Notice of Change that current plans mail in the fall, make a short list of must-keep doctors and prescriptions, confirm each on the plan's directory and formulary, and then run the comparison on the Medicare Plan Finder. Readers who qualify for Extra Help, Medicaid, or a Special Needs Plan should note that separately, since D-SNPs, C-SNPs, and I-SNPs have their own eligibility rules.
Where can Florida readers get free help comparing Medicare plans for 2027?
Free, official help is available year-round from Medicare.gov and from 1-800-MEDICARE (TTY 1-877-486-2048), 24 hours a day, 7 days a week. Both can confirm what plans are offered in a Florida ZIP code for 2027, including UnitedHealthcare plans and plans from the 23 other carriers in the state.
For questions about Original Medicare eligibility and enrollment, the Social Security Administration handles sign-ups at ssa.gov and by phone. For plan-specific details — premiums, copays, benefits, networks, drug tiers, and star ratings — the plan's own Evidence of Coverage and the Medicare Plan Finder are the sources to rely on.
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.
2027 plan lineup
UnitedHealthcare Medicare Advantage plans in Florida for 2027
CMS lists 57 UnitedHealthcare Medicare Advantage plans across Florida for 2027, alphabetically by carrier, widest county reach first. 23 other carriers also offer plans there.
| Plan | Type | Drug coverage | Counties |
|---|---|---|---|
| UnitedHealthcare 57 plans | |||
| AARP Medicare Advantage from UHC FL-0031 (Regional PPO) | PPO | Yes | 67 |
| AARP Medicare Advantage Patriot No Rx FL-MA01 (Regional PPO) | PPO | Yes | 67 |
| UHC Dual Complete FL-Q3 (Regional PPO D-SNP) | PPO D-SNP | Yes | 67 |
| UHC Dual Complete FL-Y7 (PPO D-SNP) | PPO D-SNP | Yes | 66 |
| UHC Dual Complete FL-Q1 (PPO D-SNP) | PPO D-SNP | Yes | 54 |
| UHC Dual Complete FL-Q2 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | 39 |
| UHC Dual Complete FL-Y8 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | 39 |
| AARP Medicare Advantage Patriot No Rx FL-MA2 (PPO) | PPO | Yes | 36 |
| UHC Dual Complete FL-YL (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | 29 |
| UHC Nursing Home Plan FL-F001 (PPO I-SNP) | PPO I-SNP | Yes | 27 |
| UHC Dual Complete FL-QV2 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | 24 |
| UHC Dual Complete FL-Y5 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | 24 |
| AARP Medicare Advantage Giveback from UHC FL-40 (HMO-POS) | HMO-POS | Yes | 19 |
| AARP Medicare Advantage from UHC FL-0006 (HMO-POS) | HMO-POS | Yes | 13 |
| AARP Medicare Advantage from UHC FL-0011 (HMO-POS) | HMO-POS | Yes | 13 |
| UHC Complete Care FL-14 (HMO-POS C-SNP) | HMO-POS C-SNP | Yes | 13 |
| UHC Dual Complete FL-Q1 (PPO D-SNP) | PPO D-SNP | Yes | 12 |
| AARP Medicare Advantage CareFlex from UHC FL-34 (HMO-POS) | HMO-POS | Yes | 11 |
| AARP Medicare Advantage from UHC FL-0009 (HMO-POS) | HMO-POS | Yes | 9 |
| UHC Complete Care FL-14 (HMO-POS C-SNP) | HMO-POS C-SNP | Yes | 9 |
| AARP Medicare Advantage CareFlex from UHC FL-37 (HMO-POS) | HMO-POS | Yes | 8 |
| AARP Medicare Advantage from UHC FL-0005 (HMO-POS) | HMO-POS | Yes | 8 |
| UHC Complete Care FL-14 (HMO-POS C-SNP) | HMO-POS C-SNP | Yes | 8 |
| AARP Medicare Advantage from UHC FL-0010 (HMO-POS) | HMO-POS | Yes | 7 |
| AARP Medicare Advantage from UHC FL-0017 (PPO) | PPO | Yes | 7 |
| AARP Medicare Advantage from UHC FL-0021 (PPO) | PPO | Yes | 7 |
| AARP Medicare Advantage from UHC FL-0008 (HMO-POS) | HMO-POS | Yes | 5 |
| AARP Medicare Advantage from UHC FL-0019 (PPO) | PPO | Yes | 5 |
| AARP Medicare Advantage CareFlex from UHC FL-39 (HMO-POS) | HMO-POS | Yes | 4 |
| AARP Medicare Advantage from UHC FL-0007 (HMO-POS) | HMO-POS | Yes | 4 |
| AARP Medicare Advantage from UHC FL-0018 (PPO) | PPO | Yes | 4 |
| AARP Medicare Advantage from UHC FL-001P (HMO-POS) | HMO-POS | Yes | 4 |
| AARP Medicare Advantage from UHC FL-0025 (PPO) | PPO | Yes | 4 |
| AARP Medicare Advantage from UHC FL-003P (HMO-POS) | HMO-POS | Yes | 4 |
| AARP Medicare Advantage from UHC FL-0012 (HMO-POS) | HMO-POS | Yes | 3 |
| AARP Medicare Advantage from UHC FL-0013 (HMO-POS) | HMO-POS | Yes | 3 |
| AARP Medicare Advantage from UHC FL-0024 (PPO) | PPO | Yes | 3 |
| AARP Medicare Advantage from UHC FL-0027 (PPO) | PPO | Yes | 3 |
| UHC The Villages Medicare Advantage FL-0004 (HMO-POS) | HMO-POS | Yes | 3 |
| UHC The Villages Medicare Advantage FL-004P (HMO-POS) | HMO-POS | Yes | 3 |
| AARP Medicare Advantage from UHC FL-0023 (PPO) | PPO | Yes | 2 |
| UHC Nursing Home Plan EX-F001 (PPO I-SNP) | PPO I-SNP | Yes | 2 |
| UHC Preferred Dual Complete FL-QV4 (HMO D-SNP) | HMO D-SNP | Yes | 2 |
| UHC Preferred Dual Complete FL-QV5 (HMO D-SNP) | HMO D-SNP | Yes | 2 |
| UHC Preferred Dual Complete FL-Y6 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | 2 |
| AARP Medicare Advantage from UHC FL-0015 (HMO-POS) | HMO-POS | Yes | 1 |
| AARP Medicare Advantage from UHC FL-0026 (PPO) | PPO | Yes | 1 |
| UHC MedicareMax Complete Care FL-30 (HMO C-SNP) | HMO C-SNP | Yes | 1 |
| UHC MedicareMax Medicare Advantage FL-0028 (HMO) | HMO | Yes | 1 |
| UHC MedicareMax Medicare Advantage FL-0029 (HMO) | HMO | Yes | 1 |
| UHC Nursing Home Plan FL-F002 (PPO I-SNP) | PPO I-SNP | Yes | 1 |
| UHC Preferred Complete Care FL-0003 (HMO C-SNP) | HMO C-SNP | Yes | 1 |
| UHC Preferred Dual Complete FL-QV1P (HMO D-SNP) | HMO D-SNP | Yes | 1 |
| UHC Preferred Dual Complete FL-Y3P (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | 1 |
| UHC Preferred Medicare Advantage FL-0001 (HMO) | HMO | Yes | 1 |
| UHC Preferred Medicare Advantage FL-0002 (HMO) | HMO | Yes | 1 |
| UHC Preferred Medicare Advantage FL-002P (HMO) | HMO | Yes | 1 |
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plans are offered county by county; a plan listed for the state may not be offered in your county. 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 across Florida 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. Plans are offered county by county; a plan listed for the state may not be offered in your county. 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.
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Frequently asked questions
How many UnitedHealthcare Medicare Advantage plans are listed in Florida for 2027?
Does UnitedHealthcare offer Special Needs Plans in Florida for 2027?
What happens if my UnitedHealthcare plan is not returning in 2027?
When do 2027 Medicare Advantage choices take effect?
- 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.
Sources and methodology
- 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
- CMS, Medicare Advantage and Part D Landscape Source Files
Figures cited in this article
- CMS — MA Landscape Source File (CY2027): UnitedHealthcare's Florida plan counts, plan types, Special Needs Plan counts, drug coverage, and per-plan county reach.
- CMS — MA Landscape Source Files (CY2026 and CY2027): the year-over-year comparison showing 2 new plans and 14 plans not returning, plus plan renamings.
- Medicare.gov (CMS — Medicare enrollment periods): the Annual Enrollment Period dates and the January 1, 2027 effective date.
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.