LowerScript for Floridians

Medicare plan changes for 2027

Your Medicare Plan Changed for 2027 — What It Means for Your Prescriptions in Florida

Last updated October 9, 2026 · Reviewed by the LowerScript editorial team · Español

LowerScript is a prescription discount program, not insurance. Not a Medicare prescription drug plan. LowerScript does not sell or recommend Medicare plans. LowerScript is not affiliated with Medicare or CMS.

This guide for other states: Arizona · California · Georgia · Illinois · North Carolina · South Carolina · Texas

What changed for Medicare in Florida for 2027?

Florida has fewer Medicare Advantage plans for 2027: CMS lists 560, compared with 611 in 2026. There are 11 stand-alone Part D drug plans for 2027, and the lowest monthly premium is $5.30.[1]

  • Medicare Advantage plans: 611 in 2026, 560 in 2027 (fewer).
  • Stand-alone Part D plans, 2027: 11. The lowest monthly premium is $5.30.
  • Access to a Medicare Advantage plan: 100% of people with Medicare in Florida.
  • Average Medicare Advantage monthly premium: $1.83 in 2026, $2.13 in 2027.

Figures from the CMS 2027 state fact sheet for Florida.[1]

Other changes reported in Florida

  • Lee Health (Fort Myers) goes out of network for UnitedHealthcare plans, including Medicare Advantage, on January 1, 2027. Medigap plans are not affected.[2]
  • Health Care Service Corporation no longer offers Medicare Advantage drug plans in Miami-Dade County for 2027.[3]

Across the country

  • 193 US counties have no Medicare Advantage drug plan for general enrollment in 2027, up from 123 in 2026 (about 638,000 people).[3]
  • The average beneficiary has 28 Medicare Advantage drug plan options in 2027, down from 32 in 2026.[4]

My plan was cancelled or isn't offered in my county — what are my options?

If your Medicare Advantage plan's contract is not renewed, you can join a new plan from December 8 through the last day of February.[5] If you don't join one, you return to Original Medicare.

  • Open enrollment runs October 15 to December 7, 2026.[6]
  • Medigap rights. When a Medicare Advantage plan ends, you have the right to buy a Medigap policy if you apply from 60 days before to 63 days after your coverage ends.[7]
  • Free help. Your state's Medicare counseling program is SHINE (Serving Health Insurance Needs of Elders). Call 1-800-963-5337 or visit its website.
  • Official information. Visit Medicare.gov or call 1-800-MEDICARE.

We do not tell anyone which plan to choose. A counselor or Medicare can help you decide.

What changes for prescription drug costs in 2027?

In 2027 the Part D deductible can be up to $700 (it was $615), and the yearly out-of-pocket cap is $2,400 (it was $2,100).[8]

  • Deductible: up to $700 in 2027, from $615 in 2026.
  • Out-of-pocket cap: $2,400 in 2027, from $2,100.
  • Premiums: The Part D Premium Stabilization Demonstration ends after 2026. The 2027 base beneficiary premium is $41.33.[9]
  • Fewer stand-alone plans: There are 316 stand-alone Part D plans nationwide in 2027, down from 360 in 2026.[10]

Can a discount card help while I sort out my coverage?

Sometimes, for a single prescription. A discount card can't be combined with Medicare on the same purchase, so for each fill you use one or the other.

  1. One or the other for each purchase. You cannot use the card and your Medicare plan on the same fill. You choose which one to use, fill by fill.
  2. Card purchases do not count toward your Part D deductible or your out-of-pocket cap.
  3. It is not a replacement for coverage, and it is not a Medicare plan. Keep your Medicare coverage. The card is only for individual fills.

A discount card can be cheaper for some generic medicines, especially before a plan deductible is met, so check both prices. More in our guide: Can You Use a Discount Card With Medicare?

Check your medicine prices before you choose a plan

Make a list of your medicines and look up what each one costs in cash. That gives you one more number to use when you compare plans.

The LowerScript price check shows cash prices at pharmacies near you. It is free to use.

Compare your price at LowerScript

Sources

  1. CMS, 2027 Medicare Advantage & Part D Landscape State-by-State Fact Sheets — published September 28, 2026
  2. Becker's Hospital Review — published August 28, 2026
  3. KFF — published October 9, 2026
  4. KFF — published October 1, 2026
  5. Medicare.gov — Special Enrollment Periods — accessed October 9, 2026
  6. CMS — published September 28, 2026
  7. Medicare.gov — Medigap — accessed October 9, 2026
  8. Medicare.gov / CMS — accessed October 9, 2026
  9. CMS 2027 Rate Announcement — published July 28, 2026
  10. KFF — published October 2, 2026

Last updated: October 9, 2026

This page is general information, not medical, legal or financial advice. Decisions about your Medicare coverage are yours. Not a Medicare prescription drug plan. LowerScript does not sell or recommend Medicare plans. LowerScript is not affiliated with Medicare or CMS.

More guides: Can You Use a Discount Card With Medicare? · Medicare prescription discounts in Florida · Medicare Part D Premiums in 2027  |  All savings guides