What happens to each kind of coverage
| Coverage | After you move to Florida |
|---|---|
| Original Medicare | No change. Your card and number stay the same; update your address with Social Security. |
| Medicare Advantage | Ends if the plan doesn't serve your new Florida county. Choose a Florida plan or Original Medicare. |
| Standalone Part D | Usually ends. Florida is its own Part D region (Region 11), with 11 standalone plans for 2027. |
| Medigap | Usually continues with any provider in the U.S. who accepts Medicare; ask whether the premium changes. |
| Medicaid or a Medicare Savings Program | Doesn't transfer. Apply with Florida's Department of Children and Families (DCF) through ACCESS Florida. |
What to do
- Update your address. Use your my Social Security account or call 1-800-772-1213 (TTY 1-800-325-0778).
- Check your new county. Medicare Advantage plans are approved county by county. For 2027, CMS lists from 7 plans open to everyone in Monroe County to 52 in Hillsborough County; see the county pages.
- Choose coverage in your window. Join a Florida Medicare Advantage or Part D plan, or go to Original Medicare and use any Medigap guaranteed-issue right you have.
- Apply for Florida help if needed. Medicaid and Medicare Savings Programs (QMB, SLMB, QI-1) through ACCESS Florida.
Don't go 63 days or more without creditable drug coverage after your old plan ends, or you could owe a Part D late enrollment penalty.
Florida rules that matter after a move
- Medigap: Florida has no birthday rule or yearly right to switch policies, and a switching right from another state doesn't come with you. Florida does bar Medigap premiums that rise automatically with age (attained-age pricing).
- Medicaid: Florida hasn't expanded Medicaid, and its MEDS-AD program doesn't cover people with Medicare unless they're in a nursing home, hospice or home and community-based services. Many get a Medicare Savings Program instead.
- 2027 changes: some companies are leaving or ending plans in parts of Florida. Check that a plan you join continues; see plans ending in 2027.
Full checklist: moving to Florida with Medicare. To compare plans for your new ZIP code from the companies they work with, you can request a call from a licensed insurance agent.
Related questions
Do I get a special enrollment period?
When your window starts and ends.
Moving from New York?
EPIC, plans and Medigap.
Moving from Puerto Rico?
Part B isn't automatic there.
What happens to my Medigap?
What moves with you.
Sources
- Medicare.gov — Special Enrollment Periods
- Medicare.gov — How do I change my address with Medicare?
- eCFR — 42 CFR 422.62, Medicare Advantage election periods
- CMS — CY2027 MA and Part D Enrollment and Disenrollment Guidance (§ 20.3 permanent residence)
- Medicare.gov — Choosing a Medigap Policy (March 2026)
- Florida Statutes — s. 627.6741, Medicare supplement issuance
- Florida Statutes — s. 627.410, filing of forms and rates
- CMS — CY2027 Medicare Advantage and Part D Landscape files (Florida: PDP Region 11)
- Florida DCF — Public Assistance / ACCESS Florida
More questions in this guide
- What happens to my Medicare Platino plan if I move from Puerto Rico to Florida?
- Moving from New Jersey to Florida: what happens to my Medicare?
- Moving from New York to Florida: what happens to my Medicare?
- I'm moving from Puerto Rico to Florida. Do I need to sign up for Medicare Part B?
- Moving to Florida from Ohio, Michigan or Illinois: what happens to my Medicare?
- Do I get a special enrollment period when I move to Florida?
Part of the guide: Moving to Florida with Medicare · All questions
Frequently asked questions
Do I need to tell Medicare I moved to Florida?
Tell Social Security, which keeps Medicare's address records, even if you don't get Social Security benefits. Use your my Social Security account or call 1-800-772-1213 (TTY 1-800-325-0778), then tell your plan companies.
Does spending winters in Florida count as moving?
No. Plans go by your permanent residence, and a temporary stay doesn't change it. Moving your permanent home to Florida is what ends an out-of-state plan and opens your moving window.
Can I buy Medigap in Florida without health questions after I move?
Only with a guaranteed-issue right, such as leaving a Medicare Advantage plan because you moved out of its area (until 63 days after it ends), or Florida's 2-month window after group health coverage ends. Florida has no birthday rule.
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 →
