Medicare Part D

Orlando Medicare 2027: 90 Plans in Orange County

ORLANDO — If you're turning 65 soon or already on Medicare, this fall's decisions come with a long menu. Orlando sits in Orange County, where 90 Medicare Advantage plans are available for 2027, according to the Centers for Medicare & Medicaid Services (CMS) plan landscape data.

Orlando Seniors Have Plenty to Sort Through for 2027

That's a lot to weigh, and it's why we're breaking down what's actually on the table — the counts, the calendar, and the program rules — so you can walk into the Annual Enrollment Period with a clear head.

What's Available in Orange County

Here's the local snapshot for 2027, straight from CMS:

• 90 Medicare Advantage plans available in Orange County
• 16 carriers offering Medicare Advantage in the area
• 10 stand-alone Part D prescription drug plans that Florida has for 2026, sold statewide
• 19 contracts rated 4 stars or higher under CMS's 2026 Star Ratings

A quick note on that last figure: Star Ratings are CMS's yearly quality measure for Medicare plans, scored from 1 to 5. They're one tool among several — not the whole picture — and your own doctors, drugs, and travel needs matter just as much.

Availability is set at the county level, so anyone with a home address in Orange County generally sees the same lineup, whether you live in downtown Orlando, near UCF, or out toward Winter Garden.

Who This Affects in the Orlando Area

Orange County is home to roughly 191,739 residents age 65 and older, according to U.S. Census estimates. That's a sizable community making Medicare choices each fall — and many more who will age in over the next few years.

If you're new to Medicare, you get an Initial Enrollment Period around your 65th birthday. If you're already enrolled, the fall window is when you can review and switch.

Mark These 2026–2027 Dates

Two enrollment windows matter most:

• Annual Enrollment Period (AEP): October 15 – December 7. This is when anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan for the following year.
• Medicare Advantage Open Enrollment Period (MA-OEP): January 1 – March 31. If you're already in a Medicare Advantage plan, you get one chance during this window to switch to another MA plan or return to Original Medicare.

Missing these windows usually means waiting a full year, so it pays to put them on the calendar.

The 2027 Rules Worth Knowing

A few program-wide changes and figures apply no matter which plan you pick:

• Part D out-of-pocket cap: $2,100 in 2026 and $2,400 in 2027. Once your covered drug spending hits that amount, you pay nothing for covered drugs the rest of the year.
• Part D maximum deductible: $615 in 2026 and $700 in 2027 (plans may charge less).
• No more donut hole: The old coverage gap was eliminated in 2025. Part D now has three simpler phases — deductible, initial coverage, and catastrophic.
• Medicare Prescription Payment Plan: An optional program that lets you spread your out-of-pocket drug costs into monthly payments across the year instead of paying all at once at the pharmacy.
• IRMAA: Higher-income beneficiaries pay an income-related surcharge on Part B and Part D. For single filers in 2026, IRMAA starts above $109,000 in income (based on your 2024 tax return).

How to Compare Without Getting Overwhelmed

With 90 Medicare Advantage options in Orange County for 2027, it's easy to feel stuck. A few practical steps:

1. Make a list of your doctors and hospitals. In Orlando, many folks want to keep access to systems like AdventHealth or Orlando Health — check any plan's network before you enroll. 2. Write down every prescription with the dose and how often you take it. Drug coverage varies plan by plan. 3. Think about how you use care. Frequent specialists? Travel a lot? Prefer a set monthly cost vs. paying as you go? Those answers narrow the field fast. 4. Use official tools. The Medicare Plan Finder at medicare.gov lets you enter your ZIP code and drugs to see personalized results.