Did you receive a letter that your Medicare plan is ending in 2027?
Start with your letter and your coverage end date. We'll go over your letter with you, check your doctors and prescriptions, and compare the 2027 plans we offer in your county. Free, by phone or video, in English or Spanish.
Dates to know
Review your replacement plan and effective date before your current coverage ends.
Many Floridians will need a new plan for 2027
Every year some Medicare Advantage plans end or leave certain counties. CMS reports 560 Medicare Advantage plans available statewide for 2027, compared with 611 in 2026. That net decrease does not establish how many beneficiaries must change coverage. Your exact plan and official notice determine whether you face a non-renewal, a plan reassignment, or changes to a continuing plan.
Some of those members will be moved by their insurance company into a similar plan. Others will need to choose new coverage themselves. The letter from your plan tells you which applies to you, so keep it handy.
What your plan letter means
“Plan not renewing” letter
Your plan won't be offered in your area in 2027, so you need to choose new coverage. If you do nothing, you'll be moved to Original Medicare on January 1, and you won't have drug coverage unless you pick a Part D plan.
Annual Notice of Change
Your plan continues, but premiums, copays, doctors or the drug list may change. Some members are moved into a different plan by their insurance company. Review it before December 7.
Giveback plans
If your plan lowered your Part B premium and that plan is ending, the lower premium ends with it. We'll check which 2027 plans in your county offer a Part B reduction, and whether one fits your doctors and prescriptions.
PPO members
If you liked seeing doctors outside a network, we'll compare the 2027 PPO plans we offer with Original Medicare plus a Medicare Supplement, so you can see the trade-offs side by side.
Your doctors and prescriptions
Networks and drug lists change every year. Before you choose, we check your actual doctors, hospitals, pharmacy and prescriptions against each plan.
Medicare and Medicaid
If you have both and your special needs plan is ending, you may have more chances during the year to change plans. We'll explain what applies to you.
Help for Tampa Bay, Fort Myers, Lakeland and Daytona
Plan availability and networks vary by county. We review your exact plan and notice rather than assuming every beneficiary in a county is affected. Wherever you live in Florida, we help by phone or video, so you don’t have to drive anywhere.
Lee County
Fort Myers, Cape Coral, Bonita Springs, Estero, Lehigh Acres and North Fort Myers. Check your notice and your preferred Southwest Florida care providers before choosing replacement coverage.
Hillsborough County
Tampa, Brandon, Sun City Center, Riverview, Plant City and Ruskin.
Pinellas County
St. Petersburg, Clearwater, Largo, Dunedin, Palm Harbor and Tarpon Springs.
Polk County
Lakeland, Winter Haven, Haines City, Davenport, Bartow and Auburndale.
Volusia County
Daytona Beach, Ormond Beach, DeLand, Deltona, Port Orange and New Smyrna Beach.
2027 Medicare giveback plans in Florida
A giveback plan is a Medicare Advantage plan that lowers the Part B premium you pay each month. If your giveback plan is ending, you still have choices: availability and premium reductions depend on the exact plan, county and eligibility.
The amount of the reduction, the network and the yearly out-of-pocket limit are different for each plan. Compare the exact medical out-of-pocket limit and other costs in the plan’s 2027 Summary of Benefits. A bigger giveback is not always the better deal if your doctors aren’t in the network or your costs go up elsewhere.
What you can do if your plan is ending
You don’t have to accept whatever you’re moved into, and you don’t have to decide alone. These are the main choices:
A licensed agent in Jacksonville, helping Floridians by phone or video
REMCARE Insurance Agency is based in Jacksonville. Rafael Mendoza has 25 years of experience and has helped more than 15,000 clients. Appointments are by phone or video, Monday to Friday, 8:30 AM to 5:00 PM, and office visits are by appointment only. Se habla español.
Have these ready: your plan letter, your red-white-and-blue Medicare card, a list of your doctors, and your prescriptions with doses.
Florida's free Medicare counseling program
SHINE (Serving Health Insurance Needs of Elders) · 1-800-963-5337. SHINE is Florida's State Health Insurance Assistance Program. Its trained volunteers give free, unbiased Medicare counseling. You can also call 1-800-MEDICARE or visit Medicare.gov to see all plans in your area.
Get help with your plan letter
Tell us a little about you and we’ll call to set up a phone or video appointment. No cost and no pressure.
Rafael E. MendozaLicensed agent · 25 years
Questions about plans ending in 2027
My Medicare Advantage plan is ending. What happens if I do nothing?
If your plan is not renewed and you don’t choose a new plan, you’ll be moved to Original Medicare on January 1. You won’t have Part D drug coverage unless you join a drug plan, and going 63 days or more without creditable drug coverage can lead to a lifelong late penalty.
How long do I have to pick a new plan?
You can change plans during the Annual Enrollment Period, October 15 to December 7, and coverage starts January 1. If your plan is not renewing, you also have a Special Enrollment Period from December 8 to the last day of February.
My giveback plan is ending. Can I keep my Part B premium reduction?
The reduction belongs to the plan, so it ends when the plan ends. Some 2027 plans in your county may also offer a Part B premium reduction. We’ll check which ones do and whether they fit your doctors and prescriptions.
Can I get a Medicare Supplement if my plan is leaving?
You may have guaranteed-issue rights when your Medicare Advantage plan leaves your area and you return to Original Medicare. Confirm the circumstances and eligible policy types before applying. You can apply as early as 60 days before your coverage ends and no later than 63 days after.
My insurance company says it’s moving me to a different plan. Should I accept it?
You can, but compare first. The new plan may have a different network, drug list or costs. Review it against your doctors and prescriptions before December 7.
Do you help in Spanish?
Yes. Rafael Mendoza speaks English and Spanish. Sí, hablamos español.
Are there Medicare giveback plans in Florida for 2027?
Check the 2027 plans available at your address. The Part B reduction, network and out-of-pocket limit differ by plan, so we compare them against your doctors and prescriptions before you choose.
I live in Fort Myers, Tampa, St. Petersburg, Lakeland or Daytona. Can you help me?
Yes. We help people anywhere in Florida by phone or video, including Lee, Hillsborough, Pinellas, Polk and Volusia Counties, with coverage options reviewed for your exact county and ZIP code. We’ll compare the 2027 plans we offer in your county.
Official sources for your coverage decision
Updated October 1, 2026. Statewide counts do not establish whether an individual plan is ending or a provider is leaving a network. Confirm your situation using your notice and current plan documents.
CMS: 2027 state Medicare Advantage and Part D fact sheets
Medicare.gov: Special Enrollment Periods
Medicare.gov: When you can buy a Medigap policy
Your enrollment window and coverage effective date depend on the qualifying situation and when the plan receives your enrollment request. If you have a letter, have it handy for your review; please do not submit Medicare numbers or medical records through a general contact form.