Your county sets your plan list
Medicare Advantage and Part D plans are approved for service areas built from whole counties. The Villages crosses three of them, so your street address, not the community name, decides which plans you can join.
Counts are CMS plan data for plans open to everyone. Standalone Part D plans are the same statewide: 11 for 2027.
Why The Villages is different
Sumter County, home to most of The Villages, has the highest share of residents 65 and older of any U.S. county: 57% in 2024, by Census Bureau estimates. CMS counts 91,452 people with Medicare there (July 2026). In a place where so many neighbors are on Medicare, it's common to hear which plan "everyone" picked. Your doctors, drugs and travel are what should decide.
How to choose
- Confirm your county. Check your property or voter record if you're not sure.
- List your doctors and drugs. Include specialists you see once or twice a year.
- Decide between Original Medicare and Medicare Advantage. If you leave Florida for months at a time, Original Medicare with Medigap works with any doctor who accepts Medicare. Florida has no Medigap birthday rule, so choose carefully at 65.
- Check networks, then call the offices. Networks change each year.
Medicare Advantage and Part D plans, and agents selling for them, may not come to your door or approach you in common areas such as parking lots and lobbies without an appointment (42 CFR 422.2264). Check any agent's license on the DFS Licensee Search. To compare plans for your address, you can request a call from a licensed insurance agent. More in The Villages and 55+ communities.
Related questions
How do I find a doctor who accepts Medicare in Florida?
Care Compare and two questions to ask.
Why won't some Florida doctors take new Medicare patients?
Assignment, opt-out and full practices.
Can a Florida doctor charge a concierge fee?
What Medicare and Florida law allow.
Sources
- CMS — CY2027 Medicare Advantage and Part D Landscape files
- CMS — Medicare Monthly Enrollment
- U.S. Census Bureau — County population by age and sex, Vintage 2024 estimates
- Medicare.gov — Your health plan options
- eCFR — 42 CFR 422.2264, Beneficiary contact
More questions in this guide
- Can a Florida doctor charge an annual concierge fee if I have Medicare?
- Do I need Medicare Part B if I'm still working at 65 in Florida?
- Why won't some Florida doctors take new Medicare patients?
- How do I find a doctor who accepts Medicare in Florida?
- How do I find a Spanish-speaking doctor who takes Medicare in Florida?
Part of the guide: Medicare in The Villages and Florida's 55+ communities · All questions
Frequently asked questions
How many Medicare Advantage plans are in The Villages for 2027?
It depends on your county. CMS data show 48 Medicare Advantage plans open to everyone in Sumter County, 48 in Lake County and 51 in Marion County for 2027.
Do I have to use doctors in The Villages?
No. With Original Medicare you can see any doctor in the U.S. who accepts Medicare. With Medicare Advantage you usually use the plan's network, except in emergencies, and a PPO lets you go out of network for more.
Can I change my plan during Open Enrollment?
Yes. From October 15 to December 7, 2026, you can switch Medicare Advantage or Part D plans, or return to Original Medicare, for coverage starting January 1, 2027.
Medicare in your Florida county
Plans, local agents and help, county by county: Miami-Dade · Broward · Palm Beach · Hillsborough · Orange · Duval · Pinellas · Lee · Polk · Pasco · Brevard · Volusia · Seminole · Sarasota · Osceola · Manatee · Lake · Marion · Collier · St. Lucie · All 67 counties →
