Key dates
| Date | What happens |
|---|---|
| October 15 to December 7, 2026 | Medicare Open Enrollment for 2027: join, switch or drop Medicare Advantage or Part D plans |
| December 31, 2026 | Last day to choose a new plan if yours is ending, so coverage starts January 1 with no gap. Also the end of the Hurricane Isaias special enrollment period for people the storm kept from making a change (counted from FEMA's incident period; call 1-800-MEDICARE) |
| January 1, 2027 | New plans and the 2027 Part D out-of-pocket cap of $2,400 take effect |
| January 1 to March 31, 2027 | Medicare Advantage Open Enrollment (one change) and the General Enrollment Period for Part B |
| January 31, 2027 | Last day of Medicare for people Social Security has notified who can't show they're a citizen, national, green card holder, Cuban-Haitian entrant or COFA migrant; coverage ends February 1 |
| February 28, 2027 | Special enrollment period ends for people whose 2027 plan didn't renew |
| October 15 to December 7, 2027 | Open Enrollment for 2028 |
If your Florida plan is ending
For 2027, four companies stop selling regular Medicare Advantage plans in some Florida counties, and others end some plans where they stay, so at least 302,773 Floridians in regular Medicare Advantage plans must choose new coverage. Every county still has regular Medicare Advantage plans. If you got a non-renewal letter and don't choose by December 31, you'll have Original Medicare without drug coverage on January 1. You can also buy Medigap without health questions until 63 days after your plan coverage ends. See Florida plans ending in 2027.
Your own deadlines
- Turning 65: your 7-month Initial Enrollment Period, and your 6-month Medigap open enrollment once Part B starts.
- Leaving a job: 8 months to sign up for Part B, 2 full months to join a Medicare Advantage or Part D plan, and 2 months under Florida law to buy Medigap without health questions.
- State Group Insurance retirees: the State's group Medicare Advantage plans are open year-round through People First; Medicare's December 7 date doesn't govern your State options.
Details on Medicare enrollment periods and Medicare open enrollment in Florida. To compare 2027 plans, see plans for your ZIP code, or you can request a call from a licensed insurance agent.
Related questions
What if I miss my enrollment period?
Penalties and your next chance.
When should I sign up if I'm turning 65?
Your 7-month window.
Will some immigrants lose Medicare in 2027?
Who stays eligible and the February 1 date.
Sources
- Medicare.gov — When can I join a health or drug plan?
- eCFR — 42 CFR 422.62, Medicare Advantage election periods
- CMS — MA and Part D Enrollment and Disenrollment Guidance, CY2027
- FEMA — Florida Hurricane Isaias (DR-4955-FL)
- Social Security — Changes to Medicare eligibility
- Florida Statutes — s. 627.6741, Medigap open enrollment and group-coverage window
- Florida Division of State Group Insurance — Medicare Advantage and Prescription Drug plans
- CMS — CY2027 Medicare Advantage and Part D Landscape files
More questions in this guide
- How do I sign up for Medicare in Florida?
- Can I get Medicare before 65 in Florida?
- Will some immigrants lose Medicare because of the 2025 federal law?
- Can I get Medicare as a permanent resident (green card holder) in Florida?
- What happens if I miss my Medicare enrollment period in Florida?
- When should I sign up for Medicare if I'm turning 65 in Florida?
Part of the guide: Medicare enrollment periods in Florida · All questions
Frequently asked questions
What happens if I miss the December 7 deadline?
Your current plan continues into 2027 if it's renewing. If you're in Medicare Advantage, you can still make one change from January 1 to March 31, 2027. If your plan is ending, you have a special enrollment period through February 28, 2027.
When will the 2027 Part B premium be announced?
CMS announces the next year's Part A and Part B premiums and deductibles in the fall. Until it does, see the Medicare costs in 2027 page, which is updated when CMS publishes them.
Is there a 2027 deadline for Medigap in Florida?
There's no yearly Medigap deadline, because Florida has no birthday rule. Your guaranteed windows are your own 6-month open enrollment at 65, 2 months after group health coverage ends, and, if your Medicare Advantage plan ends, a right that lasts until 63 days after that coverage ends.
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 →
