Medicare Supplement
Medigap in Florida for 2027: 24 Insurers and the Plans They Sell
JACKSONVILLE, Fla. — Floridians weighing how to pair with Original Medicare for 2027 have a wide field to review. Medicare.gov's Medigap policy search for ZIP code 32202 lists 24 insurers offering standardized Medicare Supplement policies, with plan letters A, B, C, D, F, F-HD, G, G-HD, K, L, M and N appearing somewhere in the lineup. What is sold can differ by ZIP code and by age, sex and tobacco use, so a search tied to a specific address is the only way to see what is actually available to a given person.
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Click to call 855-729-3240Key takeaways
- Medicare.gov lists 24 Medigap insurers for ZIP code 32202, selling some combination of plan letters A, B, C, D, F, F-HD, G, G-HD, K, L, M and N.
- The six-month Medigap Open Enrollment Period starts the month a person is 65 or older and enrolled in Part B, and it is the window when insurers cannot use health questions to decide the application.
- Across Florida, 124 Medicare Advantage plans offered in 2026 will not be offered anywhere in the state in 2027, and members of a non-returning plan get a federal guaranteed-issue right to buy certain Medigap plans.
- Medigap does not include prescription drug coverage, so a stand-alone Part D plan is chosen separately during Annual Enrollment, October 15 – December 7, 2026, for coverage that starts 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 |
Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.
What is Medigap and how is it different from Medicare Advantage in Florida?
Medigap is private insurance that works alongside Original Medicare (Parts A and B) to help pay the deductibles, coinsurance and copayments Original Medicare leaves to the beneficiary. Medicare Advantage, by contrast, replaces the way Original Medicare pays claims with a private plan that bundles Part A, Part B and usually Part D. A person cannot be enrolled in both a Medigap policy and a Medicare Advantage plan at the same time. Medigap policies are federally standardized by letter, so Plan G from one insurer covers the same federally defined set of items as Plan G from another; what varies is price and customer service. Plans C and F are closed to people newly eligible for Medicare on or after January 1, 2020.
Which insurers and plan letters does Medicare.gov list for Florida?
Medicare.gov's Medigap policy search for ZIP code 32202 lists 24 insurers. In alphabetical order, with the plan letters each one shows: AARP – UnitedHealthcare Insurance Company (A, B, C, F, G, G-HD, K, L, N); AFLAC (A, F, G, N); American Benefit Life Insurance Company (A, F, G, N); Bankers Life, underwritten by Washington National Insurance Company (A, F, G, G-HD, N); Continental Life Insurance Company of Brentwood, Tennessee (Aetna) (A, B, F, G, N); Everence Association Inc. (A, F, G, L); Florida Blue (A, B, C, D, F, G, K, L, M, N); GPM Health and Life Insurance Company (A, F, G, N); HealthSpring National Health Insurance Company (A, F, G, G-HD, N); Humana (Humana Insurance Company) (A, F, F-HD, G, G-HD, N); Humana Achieve (CompBenefits Insurance Company) (A, F, G, G-HD, N); Insurance Company of North America (A, F, G, G-HD, N); LifeShield National Insurance Company (A, F, G, N); Lumos Insurance (A, F, G, G-HD, N); Medico Insurance Company (A, F, F-HD, G, G-HD, N); Mutual of Omaha (United World Life Insurance Company) (A, F, G, G-HD, N); New Era Life Insurance Company (A, F, F-HD, G, N); Physicians Life Insurance Company (A, F, G, N); SilverScript Insurance Company (A, F, G, N); State Farm Mutual Automobile Insurance Company (A, C, D, F, G, N); United American Insurance Company (A, B, C, D, F, F-HD, G, G-HD, N); USAA Life Insurance Company (A, F, G, N); Wisconsin Physicians Service Insurance Corporation (A, C, F, G, K, L, N); and WoodmenLife (A, F, G, G-HD, N). Pricing, availability and underwriting rules for each policy come from the insurer's own documents or 1-800-MEDICARE.
When is the six-month Medigap Open Enrollment Period in Florida and why does it matter?
A Floridian's Medigap Open Enrollment Period is a one-time, six-month window that begins the first month the person is 65 or older and enrolled in Medicare Part B. During that window, any Medigap policy sold in the state must be issued without medical underwriting, which means the insurer cannot refuse the application, charge more or impose a waiting period for a pre-existing condition because of health history. Outside that window, insurers in Florida may use medical underwriting unless a federal guaranteed-issue right applies.
What happens in Florida if my Medicare Advantage plan is not returning in 2027?
According to CMS Landscape files, 124 Medicare Advantage plans offered somewhere in Florida in 2026 will not be offered anywhere in the state in 2027. Members of a plan that is not returning receive a federal guaranteed-issue right to buy certain Medigap policies, meaning the insurer must sell those plans without medical underwriting within the timeframes Medicare sets. The exact list of eligible plan letters and the deadlines for using the right are explained on Medicare.gov; 1-800-MEDICARE can confirm whether a particular situation qualifies.
Does Medigap cover prescriptions in Florida, or do I need a separate Part D plan?
Medigap sold today does not cover outpatient prescription drugs, so a Floridian who wants drug coverage buys a stand-alone Part D plan separately. For 2027, the Part D out-of-pocket cap is $2,400 (up from $2,100 in 2026), the maximum allowed Part D deductible any plan may charge is $700, and the national base beneficiary premium used to calculate the late-enrollment penalty is $41.33. Plan-level premiums, formularies and pharmacy networks are set plan by plan and can be compared on the Medicare Plan Finder at medicare.gov.
How do I compare Medigap policies in Florida?
Because the federal letters standardize what each plan covers, comparing Medigap in Florida is largely a comparison of price, the insurer's rate-increase history, customer service and billing options for the same letter. The Medicare Plan Finder at medicare.gov lists the insurers that file policies for a given ZIP code and shows the forms of each lettered plan they sell. The Social Security Administration announced a 3.6 percent cost-of-living adjustment on October 14, 2026, for benefits payable beginning January 2027, which affects the Social Security check many Floridians use to pay Medigap and Part D premiums. The 2027 Part B standard premium and deductible, and the 2027 IRMAA income brackets, had not been announced at the time of writing.
Where can Floridians get free help with Medicare questions?
Free, impartial help is available directly from Medicare. The Plan Finder, the Medigap policy search and the official rules for enrollment periods and guaranteed-issue rights are all on medicare.gov. For questions by phone, 1-800-MEDICARE is staffed 24 hours a day, seven days a week. Annual Enrollment for 2027 runs October 15 – December 7, 2026, and any choice made in that window takes effect January 1, 2027.
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.
Key dates
Medicare enrollment periods at a glance
- Around your 65thInitial Enrollment PeriodA 7-month window around the month you turn 65 — your first chance to sign up.
- October 15 – December 7Annual Enrollment Period (Open Enrollment)Anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan.
- January 1 – March 31Medicare Advantage Open EnrollmentIf you're already in a Medicare Advantage plan, you can make one change.
- January 1 – March 31General Enrollment PeriodFor people who missed their first chance to sign up for Part B.
- VariesSpecial Enrollment PeriodTriggered by life events like moving or losing other coverage.
Dates are set by Medicare and apply nationwide. Confirm your personal windows at Medicare.gov or 1-800-MEDICARE.
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The parts of Medicare
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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
Can a Florida insurer turn me down for a Medigap policy because of my health?
Are Plans C and F still available to new Floridians on Medicare?
Does a Medigap policy in Florida include Part D drug coverage?
Where can I confirm what Medigap plans are sold at my own address in Florida?
- CMS — Medicare Supplement Insurance (Medigap) rules (medicare.gov)
- 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
- Medicare.gov Medigap policy search
Figures cited in this article
- Medicare.gov Medigap policy search: the 24 insurers listed for ZIP code 32202 and the plan letters each sells.
- CMS Landscape Source Files: the count of 124 Medicare Advantage plans offered in Florida in 2026 that are not offered anywhere in the state in 2027.
- CMS — Medicare Supplement Insurance (Medigap) rules (medicare.gov): the six-month Medigap Open Enrollment Period, federal standardization by letter, the closure of Plans C and F to those newly eligible on or after January 1, 2020, and guaranteed-issue rights.
- CMS — Medicare enrollment periods (medicare.gov): the Annual Enrollment dates of October 15 – December 7, 2026, for coverage effective January 1, 2027.
- CMS Part D program parameters for 2027: the $2,400 out-of-pocket cap, the $700 maximum allowed deductible and the $41.33 national base beneficiary premium.
- Social Security Administration: the October 14, 2026 announcement of a 3.6 percent cost-of-living adjustment for benefits payable beginning January 2027.
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.