Seminole County Medicare 2027: plans are ending, and costs went up on many that stayed.
9,880 Seminole residents are in plans that end or change for 2027, and returning plans raised their typical out-of-pocket limit. Here is how to check yours.
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Did your out-of-pocket limit go up?
Rafael will compare your 2027 plan with the 46 Seminole plans open to everyone, including the yearly limit, premium and your drugs.
Request my free reviewPrefer to talk? 904-583-8391
94,249 Seminole residents have Medicare; 50,383 (53%) use Medicare Advantage. Out-of-pocket limits for 2027 range from $1,000 to $9,850. Source: REMCARE plan research from CMS files.
Even if your plan is staying, check your Annual Notice of Change
About one in five Seminole County Medicare Advantage members is in a plan that’s ending or changing. But the bigger story may be for people whose plan is staying: among the 41 returning plans, 15 raised their yearly out-of-pocket limit, and the typical limit went from $4,200 to $5,600.
The out-of-pocket limit is the most you’d pay in a year for covered medical care. If you had surgery, a hospital stay or cancer treatment, that’s the number you’d hit. A $1,400 jump is real money in a bad year.
| Seminole County, 2026 to 2027 | Plans |
|---|---|
| Returning plans | 41 |
| Raised the out-of-pocket limit | 15 |
| Lowered it | 3 |
| Raised the monthly premium | 2 |
| Lowered the monthly premium | 4 |
Request a free Seminole County plan review.
Tell us how to reach you and we’ll go over your Annual Notice of Change. Please don’t type your Medicare number or health details in the form.
More hospital choices in Seminole
Orlando Health Lake Mary Hospital opened in Lake Mary in January 2025 with 124 beds and room to grow to 240. AdventHealth also opened an ER in Sanford near Ronald Reagan Boulevard and Lake Mary Boulevard. With more hospitals nearby, check which one your 2027 plan has in network, not just which one is closest.
Sources: FOX 35 Orlando, WFTV. REMCARE isn’t affiliated with these hospitals.
Seminole’s changing plans, by type
PPO members
About 6,700 people, most of them in plans with a Part B premium reduction. There are still 12 giveback plans in Seminole for 2027.
HMO members
About 1,500 people. Check that your primary doctor is in the new plan’s network; you’ll need one in an HMO.
Medicare and Medicaid
About 1,600 people. Seminole has 35 plans for 2027 for people with both, depending on Medicaid level.
Statewide guide and neighboring counties
The Florida Medicare 2027 guide covers statewide dates, the Medicare Supplement option and every county page we have. Received a non-renewal letter? Read Is your Medicare plan ending in 2027?
Neighboring counties: Orange County, Volusia County, Lake County.
Questions from Seminole County residents
My plan is staying. Do I still need to look?
Yes. In Seminole, 15 of 41 returning plans raised their yearly out-of-pocket limit for 2027. Your Annual Notice of Change shows what’s different for your plan.
How many Seminole residents are in plans ending or changing?
About 9,880 people, around 20% of Seminole’s Medicare Advantage members.
Is Orlando Health Lake Mary Hospital in my plan?
It depends on the plan. Tell us the hospital you prefer and we’ll check each 2027 plan’s network.
What’s the out-of-pocket limit, in plain English?
It’s the most you’d pay in a year for covered medical services like doctor visits and hospital stays. Drug costs have their own separate yearly cap.
How many plans are there in Seminole for 2027?
46 plans open to anyone, 40 with a $0 monthly premium, and 113 counting special needs plans.
Can we meet by video?
Yes. Most Seminole clients meet with Rafael by phone or video. Call 904-583-8391 or book online.
Sources
- FOX 35: Orlando Health Lake Mary Hospital
- WFTV: AdventHealth ER in Sanford
- CMS 2027 Medicare Advantage and Part D state fact sheets
- Medicare.gov: Special Enrollment Periods
Seminole County numbers come from REMCARE’s 2027 plan research using CMS public files: the CMS CY2027 Landscape (updated 09/22/2026), CMS enrollment by contract/plan/county (September 2026), CMS MA State/County Penetration (September 2026) and Census ACS 2024 5-year estimates. Plan counts are for plans open to anyone on Medicare unless noted. This page is educational; your own plan letter and plan documents decide your options and dates. Updated October 2, 2026.
Rafael Mendoza, licensed agent, REMCARE Insurance Agency, NPN 8929595. Not connected with or endorsed by the U.S. government or the federal Medicare program.