The 2027 count, from CMS data
CMS's 2027 Landscape file for Florida, released before open enrollment, lists the plans Floridians can join for coverage starting January 1, 2027:
| Type of drug coverage | 2027 in Florida |
|---|---|
| Standalone Part D plans (used with Original Medicare) | 11 plans from 6 companies, statewide |
| Medicare Advantage plans open to everyone | 297 plans from 22 companies (not every plan in every county) |
| Medicare Advantage plans in your county | from 7 in Monroe County to 52 in Hillsborough County |
Most Medicare Advantage plans include Part D drug coverage. Special needs plans, such as D-SNPs for people with Florida Medicaid (245 special needs plans statewide), must include it.
Why Florida's standalone plans are the same everywhere
CMS divides the country into Part D regions, and standalone drug plans are offered region-wide. Florida is PDP Region 11, and no other state shares it; it's also its own Medicare Advantage region (Region 09), though Medicare Advantage plans are still approved county by county. So a retiree in Pensacola and one in Key West choose from the same standalone drug plans, while their Medicare Advantage choices differ a lot. Your county's numbers are on Florida counties.
Snowbirds: a standalone plan's service area is Florida, but you can stay in it for up to 12 months away. Ask whether its pharmacy network and mail order reach where you spend the rest of the year. See snowbirds and Medicare.
How to narrow the list for your own drugs
- List your prescriptions. Name, strength and how often you take each one.
- Check each plan's formulary. Enter your drugs and ZIP code on PlanMatch or Medicare.gov's Plan Finder.
- Check your pharmacy. Plans have preferred and standard network pharmacies, and costs can differ.
- Compare by your total yearly cost, not the premium alone. What you pay for covered Part D drugs in 2027 is capped; see the 2027 cap.
You can also request a call from a licensed insurance agent, who can compare plans from the companies they work with, or call 1-800-MEDICARE (1-800-633-4227, TTY 1-877-486-2048). If your Medicare Advantage plan is leaving, see plans ending in 2027. More in Medicare Part D in Florida.
Related questions
What is the Part D cap for 2027?
The most you pay for covered drugs.
Does Florida have a drug program for seniors?
State and federal help with drug costs.
What is the Medicare Prescription Payment Plan?
Monthly bills instead of big pharmacy charges.
Sources
- CMS — Medicare Advantage and Part D Landscape files, contract year 2027 (PDP Region 11 and MA Region 09: Florida)
- CMS — Enrollment and Disenrollment Guidance, contract year 2027 (Part D: 12 months out of the service area)
- Medicare.gov — Drug coverage (Part D)
- Medicare.gov — Find health and drug plans (Plan Finder)
- Florida Department of Management Services, MyBenefits — Retirees FAQ (creditable drug coverage)
More questions in this guide
- Does Florida have a state prescription assistance program for seniors?
- What is the Medicare Part D out-of-pocket cap for 2027?
- What is the Medicare Prescription Payment Plan?
Part of the guide: Medicare Part D in Florida · All questions
Frequently asked questions
Are Part D plans different in each Florida county?
Standalone Part D plans aren't: Florida is a single Part D region, so the same 11 plans are sold statewide, from Pensacola to Key West. Medicare Advantage plans with drug coverage do vary by county.
Is my 2026 Part D plan still available in 2027?
Check the Annual Notice of Change your plan sent by September 30. If your plan is ending, it sends a non-renewal letter, and you can choose new drug coverage during open enrollment, October 15 to December 7, 2026.
Do Florida state retirees need a separate Part D plan?
Not if they keep the State Group Insurance secondary health plan. The State says its drug coverage is creditable, as good as Part D, so a separate plan isn't needed. The State's group MA-PD plans include Part D.
Which Florida Part D plan is cheapest?
This site doesn't rank plans or list premiums. Costs depend on your drugs and pharmacy, so enter them on PlanMatch or Medicare.gov's Plan Finder to compare plans for your own prescriptions.
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 →
