Florida Medicare Annual Enrollment for 2027 runs from October 15 through December 7, 2026. If you have Medicare Advantage or a standalone Part D prescription drug plan, this is your annual opportunity to review coverage and, when appropriate, make a change for January 1, 2027.
Even if you like your current coverage, a short annual review can help you avoid surprises involving doctors, prescriptions, pharmacy networks, and out-of-pocket expenses.
What can you change during Medicare Annual Enrollment?
During the Annual Enrollment Period (AEP), eligible Medicare beneficiaries generally can switch between Medicare Advantage plans, move between Original Medicare and Medicare Advantage, or join, drop, or change a standalone Part D plan. Changes made during this period generally take effect January 1. If you are considering leaving Medicare Advantage for Original Medicare, investigate Medigap eligibility before making the switch: outside certain guaranteed-issue situations, insurers may use medical underwriting.
New to the program? Start with our Medicare basics guide and turning 65 Medicare options.
Your 2027 Florida Medicare plan review checklist
1. Check whether your doctors and hospitals are in network
Provider participation can change. Verify your primary care physician, specialists, preferred hospital, and any referral or prior authorization rules directly with the plan and provider. Compare your choices using our Medicare Advantage plans overview.
2. Recheck every prescription
Review the plan’s 2027 formulary, drug tiers, restrictions, preferred pharmacies, and estimated annual costs. A plan with a low premium is not necessarily the least expensive for your medications. Read more about Medicare Part D plans.
3. Compare total yearly costs, not just premiums
Look at monthly premiums, deductibles, primary care and specialist copays, coinsurance, and the plan’s annual out-of-pocket maximum for covered Part A and Part B services. Check how those costs could affect you in a year with significant medical needs.
4. Review extra benefits carefully
Dental, vision, hearing, transportation, over-the-counter allowances, and Part B premium reductions vary by plan and may have limits or eligibility rules. If a premium giveback matters to you, see our Medicare Part B giveback explanation.
5. Compare Medicare Advantage with Original Medicare and Medigap
Medicare Advantage and Original Medicare work differently. Consider provider access, travel, cost-sharing, drug coverage, and whether a supplement may be available. Our Medicare Supplement plans guide explains another coverage path.
Three common mistakes Florida beneficiaries should avoid
- Assuming last year’s plan is unchanged. Read your Annual Notice of Change and Evidence of Coverage for 2027.
- Choosing based only on extras. Confirm your doctors, prescriptions, and medical cost-sharing first.
- Waiting until the last minute. Give yourself time to confirm details and submit any desired enrollment before December 7.
Frequently asked questions
When does Medicare open enrollment end for 2027 coverage?
The annual election period ends December 7, 2026. Elections made during that period generally begin January 1, 2027.
Do I have to change plans every year?
No. If your plan continues and you remain eligible, you generally do not have to make a change. However, reviewing the plan’s 2027 changes is still worthwhile.
Are Medicare Advantage plans the same across Florida?
No. Availability, provider networks, premiums, and benefits can vary by county and service area. Confirm options for your residential ZIP code.
Get help comparing Florida Medicare coverage
Have Questions About Your 2027 Medicare Options?
Request a personalized Medicare plan review from our Florida team.
Choosing a Medicare plan should begin with your doctors, medications, budget, and healthcare priorities—not an advertisement promising the most extras. If you want help understanding your options, contact our Florida Medicare team for a personalized review.
Educational information only. Plan benefits, availability, provider participation, and drug coverage must be verified in official 2027 plan documents. Medicare.gov and 1-800-MEDICARE are also available for unbiased plan information. We do not offer every plan available in your area; contact Medicare.gov or 1-800-MEDICARE to get information on all your options.
