Best Medicare Advantage Plans in Florida for 2027

Best Medicare Advantage Plans in Florida for 2027

Florida has more Medicare Advantage plans than any other state: 560 for 2027, according to CMS. That’s down from 611 in 2026, the biggest drop of any state, so many Floridians will see their plan change or end this fall.

The short answer: Humana, UnitedHealthcare, Devoted Health and Elevance’s Optimum and HealthSun plans have some of the highest-rated contracts open to all Medicare beneficiaries in Florida for 2027, at 4.5 stars. Leon Health in Miami-Dade is the only plan open to everyone in Florida with a 5-star rating. Below we compare star ratings, market share and key 2027 changes for each major carrier.

Open enrollment runs October 15 to December 7, 2026, for coverage that starts January 1, 2027.

Florida Medicare Advantage at a Glance for 2027

• Plans available: 560 Medicare Advantage plans (611 in 2026), including special needs plans. About 308 are open to anyone with Medicare.
• Average monthly premium: $2.13, one of the lowest in the country (up from $1.83 in 2026).
• $0 premium plans: 100% of people with Medicare in Florida can choose a $0-premium Medicare Advantage plan.
• Stand-alone Part D plans: 11, with premiums starting at $5.30 a month.
• Enrollment: about 57% of Florida’s Medicare beneficiaries are in Medicare Advantage.
• Out-of-pocket limit: no Medicare Advantage plan can make you pay more than $9,850 in-network in 2027 ($14,800 in- and out-of-network combined for PPOs).

2027 Star Ratings for Florida’s Largest Medicare Advantage Carriers

CMS rates each Medicare Advantage contract from 1 to 5 stars. A carrier often has several contracts in Florida with different ratings, so check the rating of the exact plan you’re considering on Medicare.gov.

Sources: CMS 2027 Star Ratings data (October 8, 2026); market share calculated from CMS Medicare Advantage enrollment by contract, October 2026.

Best Medicare Advantage Companies in Florida for 2027

Humana: Best for statewide choice and high ratings

Humana is Florida’s largest Medicare Advantage carrier, with about 38% of members when you include its CarePlus brand. Its main HMO (H1036) and one of its PPOs (H7617) both hold 4.5 stars for 2027, and its other PPO contract rose from 3.5 to 4 stars. Nationally, Humana says 95% of its Medicare Advantage members are in plans rated 4 stars or higher for 2027.

In J.D. Power’s 2026 Medicare Advantage Study, Humana placed second in Florida with a score of 620, one point behind UnitedHealthcare. Read our Humana review for more.

CarePlus: Best for South and Central Florida HMO members

CarePlus, part of Humana, offers HMO plans in 20 Florida counties. Its contract slipped from 4.5 to 4 stars for 2027, which is still above average.

UnitedHealthcare: Best for member satisfaction

UnitedHealthcare ranked highest in Florida in J.D. Power’s 2026 Medicare Advantage Study, with a score of 621. It has about 29% of Florida’s Medicare Advantage members. Its South Florida contract (H5420) holds 4.5 stars, while its main statewide HMO contract (H1045) dropped from 4.5 to 4.

One change to know: Lee Health is going out of network for UnitedHealthcare plans, including Medicare Advantage, starting January 1, 2027. If you use Lee Health in Southwest Florida, check your options before December 7. If you travel, see our guide to the best Medicare plans for travelers and snowbirds.

Devoted Health: Best for growing coverage

Devoted is expanding in Florida for 2027, going from 84 to 106 plans and adding counties including Lee, Collier and Sarasota. Its main contract (H1290) is rated 4.5 stars, down from 5.

Optimum, HealthSun and Freedom (Elevance): Best for regional HMO options

Elevance runs several Florida brands. Optimum (H5594) and HealthSun (H5431, Broward, Miami-Dade and Palm Beach) both hold 4.5 stars for 2027. Freedom Health (H5427) dropped from 4.5 to 4 stars. Elevance’s Simply Healthcare brand is cutting back to a small number of special needs plans for 2027.

Aetna Medicare: Best for CVS pharmacy users

Aetna’s two main Florida contracts each fell from 4.5 to 4 stars for 2027. Its plans are built around the CVS Health pharmacy network. Aetna is leaving Alachua, Baker, Columbia and Levy counties for 2027, so members there need a new plan.

Florida Blue: Best for members who want a local Blue Cross plan

Florida Blue’s Medicare Advantage HMO dropped from 4 to 3.5 stars and its PPO from 3.5 to 3 for 2027. Capital Health Plan, a Tallahassee-area HMO that’s part of the same parent company (GuideWell), holds 4.5 stars. Florida Blue is growing from 36 to 43 Medicare Advantage plans for 2027. See our Florida Blue review.

Leon Health: Florida’s only 5-star plan open to everyone

Leon Health (H4286) earned 5 stars again for 2027. It’s available only in Miami-Dade County.

HealthSpring: Big changes for 2027

HealthSpring, now owned by Health Care Service Corporation (HCSC), dropped from 3.5 to 3 stars and is leaving 12 Florida counties for 2027, including Miami-Dade. Separately, NCH in Naples will stop accepting HealthSpring and Wellcare Medicare Advantage plans on January 1, 2027. If your HealthSpring plan isn’t renewing, you’ll get a special enrollment period and may have the right to buy a Medigap plan. See what to do if your Medicare Advantage plan is leaving.

How to Choose a Medicare Advantage Plan in Florida

1. Read your Annual Notice of Change. With 51 fewer plans in Florida for 2027, check whether your plan is changing or ending.
2. Check the star rating of your exact plan. Ratings are set by contract, and several large Florida contracts dropped half a star for 2027.
3. Confirm your doctors and hospitals. Network changes for 2027 include Lee Health leaving UnitedHealthcare and NCH leaving HealthSpring and Wellcare.
4. Compare total yearly costs. A $0 premium plan can still have higher copays. The Part D drug cap is $2,400 in 2027.
5. Think about travel. If you split the year between Florida and another state, an HMO may cover only emergencies outside Florida. A PPO or Original Medicare with Medigap may work better.

Medigap in Florida

If you’d rather have Original Medicare, a Medigap plan helps pay your share of costs. Florida doesn’t have a Medigap birthday rule, so outside your first six-month Medigap open enrollment period and other guaranteed-issue situations, insurers can ask health questions. Compare Florida Medicare Supplement plans and see how to switch from Medicare Advantage to Original Medicare.

Free Help in Florida

SHINE (Serving Health Insurance Needs of Elders), run by the Florida Department of Elder Affairs, offers free, unbiased Medicare counseling. Call 1-800-963-5337 or visit floridashine.org. You can also call 1-800-MEDICARE (1-800-633-4227).

Frequently Asked Questions

What is the best Medicare Advantage plan in Florida for 2027?

It depends on your county, doctors and drugs. Leon Health in Miami-Dade is the only plan open to everyone in Florida with 5 stars for 2027. Humana’s main HMO and PPO, UnitedHealthcare’s South Florida contract, Devoted Health, Optimum, HealthSun and Capital Health Plan all have 4.5-star contracts.

How many Medicare Advantage plans are in Florida for 2027?

Florida has 560 Medicare Advantage plans for 2027, down from 611 in 2026, according to CMS. That count includes special needs plans.

Which Medicare Advantage plans are leaving Florida in 2027?

HealthSpring is leaving 12 Florida counties, including Miami-Dade. Aetna is leaving Alachua, Baker, Columbia and Levy counties, and Elevance’s Simply Healthcare is cutting most of its plans. Your plan must mail you a notice if it’s not renewing.

What is the average Medicare Advantage premium in Florida?

The average monthly Medicare Advantage premium in Florida is $2.13 for 2027, up from $1.83 in 2026. Everyone with Medicare in Florida has access to at least one $0-premium plan.

When can I change my Medicare Advantage plan in Florida?

During open enrollment, October 15 to December 7, 2026. If you’re already in a Medicare Advantage plan, you can also switch once between January 1 and March 31, 2027.

Sources

• CMS, 2027 Medicare Open Enrollment State Fact Sheets (September 28, 2026)
• CMS, Part C and D Performance Data (2027 Star Ratings)
• CMS, 2027 Medicare Advantage and Part D Star Ratings Fact Sheet
• J.D. Power, 2026 U.S. Medicare Advantage Study
• NCH, Medicare Advantage Update
• Florida SHINE

For national comparisons, see our best Medicare Advantage companies for 2027 and our Florida Medicare Advantage guide.