Florida Medicare Advantage plans ending in 2027 are an urgent concern for some beneficiaries as the October 15–December 7, 2026, Medicare Open Enrollment period gets underway. If you received a plan non-renewal notice, a merger letter, or an Annual Notice of Change, the most important step is to find out exactly what will happen to your specific plan on January 1, 2027.
In an October 23, 2026, report, CBS News confirmed that Humana and UnitedHealthcare expect their 2027 plan exits to affect approximately 600,000 and 390,000 members nationwide, respectively. Those are national figures, not a count of Florida residents losing coverage. Here’s how Floridians can interpret the news, protect access to their doctors and medications, and make a timely coverage decision.
Concerned about a 2027 plan change? Speak with a licensed Florida Medicare agent at 772-276-6669, or request a personalized review using the form below.
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Why are Florida Medicare Advantage plans ending in 2027?
Insurers review their Medicare Advantage offerings each year and may discontinue a contract, leave particular counties, merge plans, or adjust benefits and provider networks. Rising medical costs and changing business strategies are among the factors behind the 2027 changes. An October 15 report based on South Florida Sun Sentinel reporting described a decline in Florida plan offerings from 611 in 2026 to 560 in 2027. That is a net change in offerings—it does not mean exactly 51 individual plans were canceled, nor does it tell you whether your particular plan will end.
At the national level, CMS projects that more than 99% of Medicare beneficiaries will still have access to at least one Medicare Advantage plan in 2027. National access does not guarantee the same choices, networks, or benefits in every Florida ZIP code.
Florida Medicare Advantage plans ending in 2027: three notices to recognize
1. Plan non-renewal notice
A non-renewal notice generally means your existing plan will not continue for the new plan year. Medicare lists a Plan Non-renewal Notice among the important mailings that affected members may receive in October. Read the effective date and the instructions closely. Do not assume the insurer’s other plans automatically provide equivalent coverage.
2. Annual Notice of Change (ANOC)
Even if your plan remains available, its premium, copays, drug list, provider network, and supplemental benefits may change. Medicare says your Annual Notice of Change explains changes taking effect in January. Compare that notice against your 2026 coverage before deciding to stay.
3. Merger or replacement-plan information
An insurer may describe a replacement or consolidation into another plan. Ask for the new plan’s exact name and contract/plan ID, and verify whether you will be moved automatically or must actively enroll. Similar names do not establish identical benefits. For a carrier-specific example, see our article on Humana Giveback PPO changes and 2027 alternatives in Florida.
What happens if my Medicare Advantage plan is discontinued?
According to Medicare’s Special Enrollment Period guidance, when a Medicare Advantage plan’s contract is not renewed, affected members can switch to another qualifying plan. If you do not join another Medicare Advantage plan before your current plan ends, you generally return to Original Medicare. That can change how your medical bills are paid, and you should not assume that a separate Part D drug plan or Medigap policy will automatically be in place. Some people with Extra Help have different automatic drug-plan reassignment rules.
If your coverage is ending, compare your options now rather than waiting for January. Our 2027 Florida Medicare Open Enrollment checklist explains the key coverage items to review.
Important 2027 enrollment dates for affected Florida members
- October 15–December 7, 2026: The regular Medicare Open Enrollment window for making most 2027 Medicare Advantage and Part D changes. Changes generally take effect January 1, 2027.
- December 8, 2026–February 28, 2027: Medicare identifies a Special Enrollment Period for members whose Medicare Advantage, drug, or Cost Plan contract is not renewed. Other kinds of contract terminations have different timing, so confirm which rule applies to your notice.
- January 1, 2027: New plan-year coverage generally begins for changes made during the fall Open Enrollment window.
Do not assume that every benefit reduction or network change qualifies for the non-renewal Special Enrollment Period. Eligibility depends on the specific event.
How to choose replacement coverage in Florida
Confirm your doctors and hospitals
Ask your physicians and specialists whether they participate in the specific 2027 plan. Confirm your preferred hospital and whether specialist referrals or prior authorizations apply. A PPO may have out-of-network benefits, but those services can cost more; an HMO usually has stricter network rules. Read the plan’s actual Evidence of Coverage.
Review every prescription and pharmacy
Compare your medication names, dosages, tiers, prior authorization requirements, quantity limits, and preferred pharmacies. If you switch to Original Medicare, consider whether you need a stand-alone Part D plan. A low monthly premium does not necessarily mean the lowest annual prescription cost.
Calculate total annual costs
Look beyond premiums. Compare specialist visits, hospital stays, imaging, out-of-pocket maximums for covered medical services, and drug costs. Verify whether dental, vision, hearing, transportation, or other extras are offered in your county and under what limits.
Compare available plans using your ZIP code
Use our Florida Medicare plan finder to review Medicare plan options, then confirm provider participation and benefits with the plan before enrolling. The plans shown may not represent every available option in your area. If you’re weighing plan quality as well as coverage, read our guide to 2027 Medicare Advantage Star Ratings.
Could a discontinued plan give me special Medigap rights?
Possibly. When a Medicare Advantage plan leaves Medicare or stops serving your area and you return to Original Medicare, you may have a federal guaranteed-issue right to buy certain Medicare Supplement (Medigap) policies without medical underwriting. Medicare says the applicable application window can begin 60 days before Medicare Advantage coverage ends and run until 63 days after it ends. The available standardized plans depend on your circumstances, eligibility, and state rules. See Medicare’s Medigap eligibility guidance and review your notice before making changes.
This right is not automatic for every person who voluntarily changes Medicare Advantage plans. Do not cancel existing coverage or assume a supplement is guaranteed until you verify your specific situation.
Frequently asked questions about 2027 Florida plan cancellations
Will my Medicare coverage disappear if my Advantage plan ends?
Your eligibility for Medicare generally does not disappear because a private Medicare Advantage plan ends. However, your method of receiving coverage can change, and prescription drug and supplemental coverage require special attention.
Can I stay with the same insurance company?
Possibly, if that company offers another plan in your county and you qualify. Check the new plan’s exact ID, doctors, drugs, costs, and enrollment instructions.
Are all Florida PPO plans going away?
No. Some insurers are reducing or changing PPO offerings, but availability depends on county and plan. Avoid assuming that an insurer’s national announcement applies to every Florida contract.
Should I wait until December to compare plans?
There is no advantage to waiting if your plan is ending. Reviewing now gives you time to verify provider networks, medication coverage, and any special enrollment rights.
Get help with a Florida Medicare Advantage plan change
If you received a non-renewal or replacement-plan notice, have it ready when you call. Our Florida Medicare team can help you review the letter and compare available coverage. Call 772-276-6669 or use the contact form near the beginning of this article. You can also explore Medicare plan options here.
Sources and date: CBS News, October 23, 2026; South Florida Sun Sentinel reporting, October 15, 2026 (syndicated by InsuranceNewsNet); CMS 2027 program outlook; Medicare.gov Annual Notice of Change, Special Enrollment Periods, and Medigap eligibility guidance. Article prepared October 26, 2026. Plan information is subject to change and varies by county.
Disclosure: This is a solicitation for insurance. We are not connected with or endorsed by the U.S. government or the federal Medicare program. Benefits, availability, eligibility, and costs vary by plan and location. No obligation to enroll.
