Medicare Part D
Tampa Medicare 2026: 133 Advantage Plan Choices to Sort
TAMPA, Fla. — If you're shopping for Medicare coverage in Tampa this fall, you'll have plenty to sift through. Tampa sits in Hillsborough County, where 105 Medicare Advantage plans are available for the 2027 plan year, according to the Centers for Medicare & Medicaid Services (CMS) Medicare Plan Finder and Landscape files.
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Key takeaways
- In Hillsborough County, Florida, 105 Medicare Advantage plans are available for the 2027 plan year, according to CMS Medicare Plan Finder and Landscape files.
- About 229,164 residents age 65 and older live in Hillsborough County and can compare these plans during their enrollment window.
- CMS gives Medicare Advantage and Part D contracts Star Ratings from 1 to 5 each year based on quality and member experience, and these ratings can change over time.
- People who miss the Annual Enrollment Period may still qualify for a Special Enrollment Period if they have a life event like moving or losing other coverage, and free help is available through Florida's SHINE program or 1-800-MEDICARE.
Tampa Seniors Face a Wide Field of 2027 Medicare Options
That's a lot of ground to cover, especially for the roughly 229,164 residents age 65 and older who call Hillsborough County home. The good news: you don't have to figure it out alone, and you have a clear window to compare and choose.
What the Numbers Look Like in Hillsborough County
Here's a plain-English snapshot of what's on the shelf locally for 2027:
- 105 Medicare Advantage plans available in Hillsborough County.
- 18 carriers offering Medicare Advantage with prescription drug coverage (MA-PD) in the area.
- Florida has 10 stand-alone Part D plans for 2026, sold statewide, and anyone in Hillsborough County with Original Medicare can join one of them. (If you stay with Original Medicare and want drug coverage, check medicare.gov for stand-alone Part D plans available at your ZIP code.)
- Under CMS's 2026 Star Ratings, 20 contracts are rated 4 stars or higher among the Medicare Advantage contracts offering plans in the area.
These are availability counts only. They don't tell you what any single plan costs or covers — that's a separate, personal review you'll want to do on medicare.gov or with a licensed helper.
About Those Star Ratings
CMS assigns Star Ratings (1 to 5 stars) to Medicare Advantage and Part D contracts each year based on quality and member experience measures. Ratings can change from year to year, and a single contract often covers multiple plans across multiple states, so local star counts shift over time.
Star Ratings are one tool among many. They're worth a look, but they shouldn't be the only thing you weigh — your doctors, your prescriptions, and how a plan handles care where you live matter too.
What's New for 2027 at the Program Level
A few Medicare-wide changes are worth knowing before you compare plans:
- Part D out-of-pocket cap: $2,100 in 2026 and $2,400 in 2027. Once your out-of-pocket spending on covered drugs hits that amount in the year, you pay nothing for covered prescriptions the rest of the year.
- Part D maximum deductible: $615 for 2026 and $700 for 2027. Plans can set a lower deductible, but not higher.
- No more "donut hole." The old coverage gap was eliminated in 2025. Part D now has three phases: deductible, initial coverage, and catastrophic.
- Medicare Prescription Payment Plan. This optional program lets you spread your out-of-pocket drug costs across the calendar year in monthly payments instead of paying big amounts at the pharmacy counter.
- IRMAA surcharges (higher Part B and Part D premiums for higher incomes) begin above $109,000 in income for a single filer in 2026.
Key Dates to Circle
- Annual Enrollment Period (AEP): October 15 – December 7, 2026. This is when most people can join, switch, or drop a Medicare Advantage or Part D plan for 2027.
- Medicare Advantage Open Enrollment Period: 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 (and add a Part D plan).
If you miss AEP, you may still qualify for a Special Enrollment Period after a life event like a move or loss of other coverage.
How to Sort Through 105 Choices Without Losing Your Weekend
A short game plan:
1. List your must-haves. Your doctors, your hospital, and your prescriptions (with dosages). 2. Use medicare.gov's Plan Finder. Enter your ZIP code and drug list. It will show plans available at your address and estimate your total yearly costs. 3. Check networks carefully. A plan can be available in Hillsborough County without including the specific doctor or facility you use. 4. Ask for help. Florida's SHINE program (the state's SHIP) offers free, unbiased Medicare counseling.
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.
Try it
How the 2026 Part D drug cap works
Slide to your estimated yearly prescription costs and see how the new $2,100 out-of-pocket cap protects you. This illustrates the standard Part D benefit; your plan may structure costs differently.
Once your out-of-pocket spending on covered drugs reaches $2,100, you pay nothing more for the rest of 2026. Confirm details at Medicare.gov.
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.
Good to know
Frequently asked questions
Q: I live in Tampa. Are all 105 plans available to me personally?
Q: Do I have to change my plan every year?
Q: What if I only want drug coverage and want to keep Original Medicare?
- CMS — Medicare Part D program rules (medicare.gov)
For personalized answers, contact Medicare.gov, 1-800-MEDICARE, or your local SHIP.