Where Florida has the fewest plans for 2027
| County | Plans open to everyone | Companies |
|---|---|---|
| Monroe | 7 | 3 |
| Suwannee | 11 | 3 |
| Hamilton | 12 | 3 |
| Lafayette | 12 | 3 |
| Union | 12 | 3 |
| Leon | 13 | 4 |
| Jackson | 13 | 3 |
| Gulf | 13 | 3 |
Source: CMS CY2027 Medicare Advantage Landscape file. Leon County stands out: it includes Tallahassee, yet has fewer plans than many rural counties elsewhere in the state. At the other end, Hillsborough, Marion, Pinellas and Polk counties each have 50 or more. Every county's numbers are on our counties page.
Special needs plans
Every Florida county also has at least one special needs plan for 2027, and CMS lists D-SNPs, for people with both Medicare and Medicaid, in all 67 counties. The Keys have the fewest: Monroe County has 1 special needs plan. See What are special needs plans in Florida?
Plans ending in 2027
Four companies stop selling regular Medicare Advantage plans in some Florida counties for 2027, and others end some plans where they stay. At least 302,773 Floridians in regular Medicare Advantage plans must choose new coverage, but every county still has Medicare Advantage plans. If you got a non-renewal letter, choose by December 31, 2026 to avoid a gap. See Florida plans ending in 2027.
If your county has few choices
- Check the networks closely. In rural counties, ask whether the hospital and specialists you'd actually use, even in a neighboring county or in Georgia or Alabama, are in the plan's 2027 network.
- Original Medicare works everywhere. It covers any provider in the U.S. that accepts Medicare. You can add a Medigap policy and a standalone Part D plan. See Medigap vs. Medicare Advantage in Florida.
- Your plan follows your permanent home. If you live in Florida only part of the year, your plan choices come from the county of your permanent residence. See snowbirds and Medicare.
To see the plans sold in your ZIP code, see plans for your ZIP code, or you can request a call from a licensed insurance agent to compare plans from the companies they work with. More in Medicare Advantage in Florida.
Related questions
How many Medicare Advantage plans are in Florida for 2027?
Statewide and county counts.
Why are there so many Medicare Advantage plans in South Florida?
What CMS data show.
How do I choose a Medicare plan in Florida?
A step-by-step way to compare.
Sources
- CMS — Medicare Advantage and Part D Landscape files, contract year 2027
- eCFR — 42 CFR 422.50, eligibility to elect an MA plan (living in the service area)
- eCFR — 42 CFR 422.2, definitions (service area)
- Medicare.gov — Medicare Plan Finder
More questions in this guide
- How many Medicare Advantage plans are in Florida for 2027?
- How do I choose a Medicare plan in Florida?
- What are Medicare special needs plans in Florida?
- Why are there so many Medicare Advantage plans in South Florida?
Part of the guide: Medicare Advantage in Florida · All questions
Frequently asked questions
Can I join a Medicare Advantage plan sold in a neighboring county?
Generally no. You must permanently live in the plan's service area, and Florida service areas are set county by county. A plan sold in the next county is open to you only if it's also sold in yours.
Are standalone Part D plans sold in every Florida county?
Yes. Florida is its own Part D region, so the same 11 standalone Part D plans are sold in every county for 2027.
What if no plan in my county includes my doctors?
You can use Original Medicare, which works with any provider in the U.S. that accepts Medicare, and add a Medigap policy and a Part D plan. Medigap policies are sold statewide, not county by county.
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 →
