South Florida's 2027 plan counts
| County | Plans open to everyone | Special needs plans | Companies |
|---|---|---|---|
| Miami-Dade | {{fl:plans.counties.Miami-Dade.ma:n}} | {{fl:plans.counties.Miami-Dade.snp:n}} | {{fl:plans.counties.Miami-Dade.companies:n}} |
| Broward | 44 | 62 | 15 |
| Palm Beach | 49 | 62 | 15 |
| Monroe (Keys) | 7 | 1 | 3 |
| Hillsborough, for comparison | 52 | 72 | 17 |
Source: CMS CY2027 Medicare Advantage Landscape file. Miami-Dade, Broward and Palm Beach each have many special needs plans, including plans for people with both Medicare and Medicaid, but the Keys have very few.
Where South Florida does stand out: enrollment
CMS's Medicare Monthly Enrollment data for July 2026 show how many people with Medicare chose Medicare Advantage or another Medicare health plan:
| County | In Medicare Advantage | All people with Medicare |
|---|---|---|
| Miami-Dade | {{fl:enroll.counties.Miami-Dade.advantage:n}} | {{fl:enroll.counties.Miami-Dade.total:n}} |
| Broward | 246,599 | 381,026 |
| Palm Beach | 177,938 | 370,777 |
| Monroe | 4,535 | 19,230 |
Miami-Dade has the highest Medicare Advantage share of Florida's 67 counties, and Monroe the lowest. Palm Beach is under half, so "South Florida" isn't one market.
What official data can and can't explain
CMS approves plans county by county, and each company decides where to offer them. CMS pays plans a monthly amount per member that it sets for each county; in CMS's 2027 rate book, Miami-Dade's rate is the highest in Florida. We haven't found a CMS or other official source that explains why companies offer more plans in one county than another, so we don't guess.
What this means for you
More choices mean more to compare. List your doctors, hospital and drugs, and check each plan's 2027 network and drug list during Open Enrollment, October 15 to December 7, 2026. To compare plans from the companies they work with, you can request a call from a licensed insurance agent, or see plans for your ZIP code. See also Medicare Advantage in Florida and plans ending in 2027.
Related questions
How many Medicare Advantage plans are in Florida for 2027?
Statewide and county counts.
Is Medicare Advantage available in every Florida county?
Where the fewest plans are.
What are special needs plans in Florida?
Plans for Medicaid, chronic conditions and nursing-home care.
Sources
- CMS — Medicare Advantage and Part D Landscape files, contract year 2027
- CMS — Medicare Monthly Enrollment (Florida counties)
- CMS — Medicare Advantage ratebooks and supporting data, 2027 (county rates)
- eCFR — 42 CFR 422.2, definitions (service area)
More questions in this guide
- How many Medicare Advantage plans are in Florida for 2027?
- How do I choose a Medicare plan in Florida?
- Is Medicare Advantage available in every Florida county?
- What are Medicare special needs plans in Florida?
Part of the guide: Medicare Advantage in Florida · All questions
Frequently asked questions
Which Florida county has the most Medicare Advantage plans for 2027?
Hillsborough County, with 52 plans open to everyone and 72 special needs plans, according to CMS's 2027 Landscape file. Several Tampa Bay and Central Florida counties have more plans open to everyone than Miami-Dade or Broward.
Do the Florida Keys have as many plans as Miami?
No. Monroe County has 7 Medicare Advantage plans open to everyone for 2027, the fewest of any Florida county, and the lowest share of people with Medicare in Medicare Advantage.
Does having more plans mean better plans?
No. A count only tells you how many choices are sold in your county. What matters is whether a plan's network includes your doctors and hospital, whether it covers your drugs, and what you'd pay in a typical year and a bad year.
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 →
