2027 Medicare Open Enrollment in Tampa Bay: What Changed and What to Check
Updated October 9, 2026
Reviewed by John Witkowski, licensed Medicare advisor
This information is for educational purposes only and is not intended to recommend or endorse any specific plan. Plan availability, benefits, premiums, copayments, and coinsurance amounts vary by carrier and location. We do not offer every plan available in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. Call 1-800-MEDICARE (TTY 1-877-486-2048), 24 hours a day, 7 days a week. Enter your ZIP code to see how many organizations and products we represent in your area.
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See what changed in Florida for 2027, the enrollment dates, and what to check before choosing your coverage.
Is your plan ending?
| When | What it is |
|---|---|
| October 15 to December 7, 2026 | Open Enrollment. Choose a new plan for January 1, 2027. |
| December 8, 2026 to February 28, 2027 | Plan-ending window, when your plan's Medicare contract is not renewed. |
| Up to 60 days before to 63 days after your coverage ends | Medigap guaranteed-issue right when a Medicare Advantage plan leaves Medicare or your area. |
What changed for 2027 in Florida
These CMS figures describe Florida's statewide market and national Part D limits. Your plan choices and costs depend on where you live and the coverage you choose.
- Medicare Advantage plans: 560 Medicare Advantage plans are available in Florida in 2027, compared to 611 plans in 2026.
- Average Medicare Advantage premium: The average monthly Medicare Advantage plan premium in Florida changed from $1.83 in 2026 to $2.13 in 2027. That is a statewide average. Your own plan's premium can be higher or lower, and your Annual Notice of Change shows your plan's 2027 amount.
- Stand-alone drug plans: 11 stand-alone Medicare prescription drug plans are available in Florida in 2027.
- Part D out-of-pocket cap: $2,400 in 2027, up from $2,100 in 2026. Once your out-of-pocket spending on covered Part D drugs reaches $2,400, you won't pay out of pocket for covered Part D drugs for the rest of 2027. The cap applies to covered Part D drugs, including drugs covered through an approved exception. Premiums and noncovered drugs do not count toward it.
- Part D deductible: The 2027 Part D deductible can be up to $700. Plans may set a lower amount. The 2026 maximum was $615.
What this means for you: fewer plans statewide doesn't tell you whether your plan changed. AdviseCare can help you review your plan's changes and compare the plans we offer based on your doctors, prescriptions, and budget.
Key dates for 2027 coverage
- October 15–December 7, 2026: Open Enrollment. Your plan must receive your enrollment request by December 7.
- January 1, 2027: Coverage chosen during Open Enrollment begins.
For other enrollment windows, see Medicare enrollment periods explained.
To see what you can change during Open Enrollment, read our Medicare Annual Enrollment Period 2027 guide.
What to check before you decide
Start with your Annual Notice of Change (ANOC). It explains next year's changes to your plan's costs and benefits. Review your premiums, deductibles, copays, and the benefits you use. Also check your prescriptions and pharmacy in the plan's 2027 coverage information.
Confirm your doctors and hospital in the specific plan's 2027 network before you enroll. Our Tampa Bay hospital networks guide explains what to check.
If your plan is continuing in 2027, you remain eligible, and if it still fits your needs, you generally do not need to re-enroll. Read any notices from your plan before deciding.
For a step-by-step way to compare plans, see how to choose a Medicare plan in Florida for 2027.
See what's changing in your plan.
We'll compare your current plan's 2026 coverage with its 2027 renewal and other 2027 plans, focused on your doctors, prescriptions, and budget.
See how your plan changes, and what else is out there
This sample puts one Medicare Advantage plan’s 2026 benefits next to its 2027 renewal and another 2027 plan, so you can see what changes and what else is available.
Open Example PDF (3 pages, opens in a new tab)Want your own comparison?
Start by booking a conversation. We'll confirm your current plan and what matters to you before preparing your personal comparison.
Book My Personal ComparisonWhat to bring to your review
- Your Medicare card and current plan card
- The letter from your plan (Annual Notice of Change or plan-ending notice)
- Every prescription: name, dose, and how often you take it
- Every doctor and specialist: name and office
- Your pharmacy
- Anyone who helps you decide
2027 Open Enrollment questions, answered
When is Medicare Open Enrollment for 2027 coverage?
Open Enrollment runs from October 15 through December 7, 2026. Changes you make take effect January 1, 2027, and your plan must get your enrollment request by December 7. If you're in a Medicare Advantage plan, you also have one chance to change plans between January 1 and March 31, 2027.
Do I have to do anything if I'm happy with my current plan?
Usually not, if your plan is continuing in 2027, you remain eligible, and you have reviewed its changes. Read any notices about your plan ending, leaving your area, or your eligibility changing. If you keep your plan, its 2027 costs and benefits start January 1, 2027.
How many Medicare Advantage plans are available in Florida for 2027?
CMS reports 560 Medicare Advantage plans available in Florida in 2027, compared to 611 in 2026. That is a statewide count. The plans available to you depend on your county and ZIP code. You can compare your plans here with us. Book a no-cost 30-minute review or call (813) 544-7066.
What is the Medicare Part D out-of-pocket cap for 2027?
The cap is $2,400 in 2027, up from $2,100 in 2026. Once your out-of-pocket spending on covered Part D drugs reaches $2,400, you won't pay out of pocket for covered Part D drugs for the rest of the year. The cap applies to covered Part D drugs, including drugs covered through an approved exception. Premiums and noncovered drugs do not count toward it.
Will Tampa General, BayCare, AdventHealth, or Moffitt be in my plan for 2027?
It depends on the specific plan, and hospital contracts can change. Look the hospital up in each plan's 2027 provider directory, call the hospital's insurance office with the exact plan name, and check your doctors as well as the hospital. AdviseCare can check your doctors and hospitals against the plans we offer in your area at no cost.
What if my plan is leaving my area or ending in 2027?
Read your plan's notice for your enrollment options and deadlines. If its Medicare contract is not renewed for 2027, you can choose another plan during Open Enrollment, October 15 through December 7, 2026, or the nonrenewal Special Enrollment Period, December 8, 2026 through February 28, 2027. Other contract endings can have different deadlines. If your Medicare Advantage coverage ends and you do not join another Medicare Advantage plan, you generally return to Original Medicare. Original Medicare does not automatically replace your plan's prescription coverage. Arrange drug coverage and confirm its start date before your current coverage ends to avoid a gap.
Does it cost anything to get help from AdviseCare?
No. Our reviews are no-cost to you. If you enroll in a plan through us, the insurance company pays us. We do not offer every plan available in your area; Medicare.gov and 1-800-MEDICARE (TTY 1-877-486-2048), 24 hours a day, 7 days a week, can give you information on all of your options.
2026 vs. 2027 Medicare costs
The confirmed amounts are below. The 2027 Part A and Part B amounts are not out yet. CMS usually announces this in November. We'll share the official 2027 amount as soon as CMS releases it.
Looking for this year's figures? See our 2026 Medicare changes page.
Swipe across the table to compare both years.
| Medicare cost | 2026 | 2027 |
|---|---|---|
| Part B standard monthly premium | $202.90 | Not yet announced by CMS |
| Part B annual deductible | $283 | Not yet announced by CMS |
| Part A hospital deductible, per benefit period | $1,736 | Not yet announced by CMS |
| Part A hospital coinsurance, days 61–90 | $434/day | Not yet announced by CMS |
| Part A hospital coinsurance, lifetime reserve days | $868/day | Not yet announced by CMS |
| Skilled nursing facility coinsurance, days 21–100 | $217/day | Not yet announced by CMS |
| Part A monthly premium, 30–39 qualifying work quarters | $311 | Not yet announced by CMS |
| Part A monthly premium, fewer than 30 qualifying work quarters | $565 | Not yet announced by CMS |
| Maximum Part D annual deductible | $615 | $700Confirmed |
| Part D annual out-of-pocket cap for covered Part D drugs | $2,100 | $2,400Confirmed |
These are standard Medicare amounts, not a personal plan quote. Most people pay no Part A premium; eligibility can depend on your or your spouse's work record. Part B premiums can be higher because of income or late enrollment penalties. Supplemental coverage or financial assistance may reduce what you pay. Medicare Advantage costs vary by plan.
The 2027 Part D deductible can be up to $700. Plans may set a lower amount. The drug cap excludes premiums and noncovered drugs and is separate from a Medicare Advantage medical out-of-pocket limit. A higher cap means you may pay more before reaching it.