Medicare AEP 2027 in Florida — what to know.
Oct 15 - Dec 7, 2026. The Annual Enrollment Period is your once-a-year chance to switch Medicare Advantage plans, switch Part D drug plans, or move between Original Medicare and Medicare Advantage. Plans you choose during AEP take effect January 1, 2027.
Why this AEP matters in Florida
Florida has roughly 4.7M Medicare beneficiaries, of whom about 55% are enrolled in a Medicare Advantage plan. AEP is when their plans can change — and when you can change yours.
2027 plan changes in Florida
Humana and Aetna have both expanded their Medicare Advantage footprint in Central and South Florida for 2027. Florida Blue's Medicare Advantage HMO continues to grow in Tampa-St. Pete and Jacksonville. Devoted Health (a newer carrier focused on tech-driven care for seniors) is now in 30+ Florida counties.
Your AEP 2027 checklist for Florida
Your current plan mailed an Annual Notice of Change (ANOC) in late September. It lists every benefit, copay, network, and drug change for 2027. Don't recycle it — read it.
Networks change every year. Confirm your primary care doctor and any specialists are still in-network for 2027 — directly with the plan, not just on the website.
Formularies (covered drug lists) change annually. A drug that was Tier 2 in 2026 may move to Tier 4 in 2027 — tripling your copay. Run your meds through the plan's 2027 formulary.
Don't just renew. Compare your current plan against at least 2 alternatives — including Original Medicare + Medigap if you've never considered it. Best plan in 2026 is rarely best in 2027.
The Part D out-of-pocket cap stays at $2,000 in 2027. If you take expensive drugs, that cap dramatically changes the math — many people who couldn't afford Eliquis or Jardiance in past years now can.
After Dec 7 you generally can't change your Medicare Advantage plan until next AEP — except for the limited Open Enrollment window (Jan 1 - Mar 31) which only allows one change.
Top Medicare Advantage carriers in Florida
Humana, UnitedHealthcare/AARP, Aetna, WellCare (Centene), Florida Blue, Devoted Health.
If you split your year between Florida and a northern state, a Medigap plan or a national PPO Medicare Advantage plan is almost always better than an HMO — HMOs typically only cover emergencies outside their service area.
Florida metros we serve
We're licensed in all 50 states. Top FL markets:
- Miami
- Tampa
- Orlando
- Jacksonville
- Fort Lauderdale
- St. Petersburg
- Hialeah
- Tallahassee
- Cape Coral
- Port St. Lucie
Florida is the most competitive Medicare market in the country — there are often 60+ Medicare Advantage plans to choose from in your county. We narrow it to the 3-5 that actually fit your doctors, drugs, and budget.
Free 14-minute Florida plan comparison.
A licensed FL advisor compares your current plan against every FL alternative — including Original Medicare with Medigap. No cost. No pressure. No commission to you.
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