Medicare Supplement

Fort Lauderdale Medigap in 2027: the plan-letter rules, Part B reset and rate filings to watch

FORT LAUDERDALE — As 2026 winds down, Broward County residents shopping Medigap coverage for 2027 are running into the same handful of moving parts every year: which lettered plans they are still allowed to buy, how the annual Part B deductible reset ripples through Plans G and N, and whether their insurer has filed a new rate with the state. None of these are dramatic overnight changes — but together they shape what a Fort Lauderdale shopper sees on the shelf next year.

Medicare SupplementFort Lauderdale, FL

Here is a plain-language look at what is actually shifting, what is staying the same, and where to check the numbers for yourself.

Plan-letter eligibility: what Fort Lauderdale shoppers can actually buy

The lettered Medigap plans are federally standardized, so a Plan G in Fort Lauderdale covers the same gaps as a Plan G in any other state that uses the letter system. What changes is who is allowed to buy which letter.

If you became eligible for Medicare on or after January 1, 2020, Plans C and F are off the table for you — those two plans covered the Part B deductible, and federal law closed them to newly eligible enrollees. You can still buy Plans A, B, D, G, G-HD, K, L, M and N. People who were already eligible before that 2020 cutoff can keep or, in some cases, still enroll in C or F.

This rule is not changing for 2027. But it matters every year because it determines which plans on the roster below are options for you personally.

The yearly Part B deductible reset — and why G and N feel it

Plans G and N are the two letters most Fort Lauderdale shoppers ask about, and both are designed around the Part B deductible. With Plan G, you pay the Part B deductible each year and the plan picks up the Medicare-approved costs after that. Plan N works similarly, with some office and emergency-room copays layered in.

Medicare resets the Part B deductible every January. When that figure moves, the out-of-pocket amount you owe before your Medigap plan starts paying moves with it. The plan letter and its standardized benefits do not change — the underlying Medicare number does. Medicare.gov posts the new Part B deductible for the coming year each fall; that is the number to check before you renew.

Rate-adjustment season in Florida

Medigap premiums are not set by Medicare. In Florida, insurers file proposed rates with the Florida Office of Insurance Regulation, and those filings are public. Rate changes can happen on an insurer's own schedule, not just at year-end, so two people with the same plan letter at the same company can see different renewal notices depending on when they enrolled.

If you get a renewal letter with a new premium, you can:

• Compare quotes for the same plan letter from other insurers licensed in Florida.
• Look up the insurer's rate filing on the Florida Office of Insurance Regulation website.
• Call your local SHINE counselor (Florida's State Health Insurance Assistance Program) for a free, unbiased review.

Unlike Medicare Advantage and Part D, Medigap does not have a fixed annual enrollment window. You can apply any time — but outside your one-time Medigap Open Enrollment Period (the six months starting when you are 65 and enrolled in Part B), insurers in Florida can use medical underwriting to decide whether to accept you and at what price.

Insurers coming and going

The list of companies licensed to sell Medigap in Florida is long, and it does shift. Carriers occasionally stop writing new business in the state, add or drop specific plan letters, or enter the market. AARP - UnitedHealthcare Insurance Company, Florida Blue, Humana (Humana Insurance Company), Mutual of Omaha (United World Life Insurance Company) and Aetna's Continental Life Insurance Company of Brentwood, Tennessee are among the names Fort Lauderdale shoppers commonly see, but they are only part of the picture — the table below lists every insurer currently in the state data and the plan letters each one offers.

Before you commit for 2027, confirm on Medicare.gov's Medigap policy search that the insurer and plan letter are still available in your ZIP code.

Where to check the 2027 numbers yourself

• Medicare.gov — the Medigap policy search shows which insurers and plans are available at your ZIP code, and lists the new Part B deductible each year.
• 1-800-MEDICARE — for questions about enrollment periods and how a switch would affect your Medicare coverage.
• Florida SHINE (the state's SHIP program) — free one-on-one counseling for Florida residents.
• Florida Office of Insurance Regulation — for Medigap rate filings by insurer.