Medicare Advantage plans ending in Florida for 2027 include dozens of Humana, Wellcare, Aetna, HealthSpring, UnitedHealthcare and Health First plans, based on comparisons of CMS’s 2026 and 2027 plan data. Florida goes from 611 Medicare Advantage plans in 2026 to 560 in 2027. If your plan is one of them, you may have a federal right to buy a Medigap plan without answering health questions.
That right applies to Medigap (also called Medicare Supplement), and it comes with a deadline: you can apply starting 60 days before your plan ends and no later than 63 days after it ends. You also have to return to Original Medicare to use it. Joining another Medicare Advantage plan doesn’t qualify.
📌 Note: Plan names below come from comparisons of CMS’s 2026 and 2027 plan files. The non-renewal notice from your carrier is the final word on whether your plan is ending where you live.
Which Florida Medicare Advantage Plans May Not Be Offered in 2027?
These plans appear in the 2026 Florida plan data but not in the 2027 data. Some plans may only be ending service in some counties and not others. So even if your plan on this list, your carrier may still offer it and other plans where you zipcode. Also your plan may continue but have a new name, which may not give you the right to buy a Medigap without underwriting.
| Carrier | Plans Not Offered in 2027* |
|---|---|
| Humana | Full Access Giveback (PPO), two contract versions USAA Honor Giveback (PPO) Direct Choice Giveback (PPO) HumanaChoice Florida (PPO), two contract versions HumanaChoice Florida SNP-DE (PPO D-SNP) |
| Wellcare | Patriot Giveback (HMO) Dual Access Sync (HMO D-SNP) Sunshine Health Dual Align (HMO D-SNP) |
| Aetna Medicare | Signature (PPO) Premier (PPO) Dual Select (HMO D-SNP) |
| HealthSpring (Cigna) | Preferred (HMO) Preferred Savings (HMO) TotalCare (HMO D-SNP) TotalCare Plus (HMO D-SNP) |
| UnitedHealthcare | AARP Medicare Advantage from UHC FL-0016 (PPO) AARP Medicare Advantage CareFlex from UHC FL-35 (HMO-POS) |
| Health First | Complete Care (HMO) Emerald Plus (HMO) Premier Access (HMO-POS) |
| Simply Healthcare Plans | Complete (HMO D-SNP) Integrated (HMO D-SNP) More (HMO) Extra Platinum (HMO) Level (HMO C-SNP) Level Platinum (HMO C-SNP) |
| Optimum HealthCare | Diamond Rewards (HMO C-SNP) Diamond Rewards COPD (HMO C-SNP) |
| Other carriers | BayCarePlus Premier (HMO) DrTotalCare-CFL (HMO C-SNP) from Doctors HealthCare Plans CareNeeds Extra (HMO D-SNP) from CarePlus |
*Based on CMS published 2027 plans. This is not an official list of which plans are ending. Check with your insurance provider or see if you received a “right to buy” letter in the mail.
Can My Plan Be Renamed or Merged Instead of Ending?
Yes. Carriers rename plans, merge them into other plans, and shrink service areas without ending a plan statewide. Your non-renewal notice tells you whether your plan is ending in your county. SO to be clear, if you plan has a new name it doesn’t necessary give you the right to purchase
What If My Hospital Is Leaving My Plan’s Network?
If you Medicare Advantage isn’t leaving your market but is reducing access to doctors or hospitals, you may be able to have a right to buy a Medigap without underwriting. For example Lee Health (Lee County) has notified at least one Medicare Advantage plan that its hospitals and physicians will leave the network on January 1, 2027. Additionally NCH in Naples (Collier County) has said it will stop accepting two major Medicare Advantage carriers on the same date. Medicare.gov lists a significant change in your plan’s network among the situations that can create a Medigap right to buy, so ask our team at Senior65.com whether your situation counts. If you get a notice that your doctor or network are not longer accepted by your MA plan, hold on to it and you might use that for switching to Medigap. Source: Medicare.gov.
What Are My Options If My Medicare Advantage Plan Is Ending?
You can join a different Medicare Advantage plan, or enroll in a Medigap and a standalone Part D drug plan. With Medigap, you can use any doctor or hospital that accepts Medicare, with no network. We typically focus on Medigap, and our Medicare Advantage vs Medigap comparison lays out both paths side by side.
Members whose Medicare Advantage plan isn’t renewed also get a Special Enrollment Period to pick a new plan from December 8 through the last day of February. Our Special Enrollment Period guide covers who qualifies.
Get a Medigap Quote Enroll in Medigap
How Does the Medigap Right to Buy Work After a Plan Ends?
When your Medicare Advantage plan leaves Medicare, stops giving care in your area, or doesn’t renew its contract, federal guaranteed issue rules apply. During the window, a carrier can’t deny you or charge you more because of your health. Our guide to guaranteed issue Medigap rights covers the other situations that qualify.
- Your Medicare Advantage plan must be ending, either through non-renewal or because it is leaving your area.
- You must return to Original Medicare. Joining another Medicare Advantage plan doesn’t qualify.
- You must apply within the window, which opens 60 days before your plan ends (November 1, 2026 for plans ending December 31) and closes 63 days after it ends (early March 2027).
- Keep your notice letter. You may need it as proof your coverage ended.
Medigap coverage can’t start until your Medicare Advantage coverage ends, so a plan ending December 31 means a January 1 start date.
Which Medigap Plans Can I Buy Under This Right?
Medicare.gov’s guide lists Medigap Plans A, B, D and G for this right, plus Plans C and F if you became eligible for Medicare before January 1, 2020. Plan N isn’t on that list. These are the federal guidelines. Some states and carriers will expand this list.
📌 Note: Plans outside the guaranteed list, and applications after the window closes, go through medical underwriting. Florida has no Birthday Rule, so most later switches work this way (see our Florida Medigap switching guide). Every carrier weighs your history differently, so the Medigap Underwriting Checker is worth a look before you apply.
Below is a sample letter you might receive if you receive a “right to buy” document
What Dates Do I Need to Know?
- October 15 to December 7, 2026: Annual Enrollment Period.
- November 1, 2026: the earliest you can apply for Medigap under the right to buy if your plan ends December 31.
- December 8, 2026 to February 28, 2027: Special Enrollment Period for members whose Medicare Advantage plan wasn’t renewed.
- December 31, 2026: your plan ends.
- Early March 2027: the last day to apply under the right to buy, 63 days after your plan ends.
If you return to Original Medicare, you’ll also want a standalone Part D drug plan. Enrolling in one during the Annual Enrollment Period ends your Medicare Advantage plan on December 31, as our Annual Enrollment Period switching guide explains. We don’t enroll people in Part D plans, so Medicare.gov’s plan finder or SHINE, Florida’s free Medicare counseling program at 1-800-963-5337, can help with that step.
Where Do I Apply for Medigap on Senior65.com?
- Get your quotes. Open our Medigap quote page, choose Medigap, and enter your date of birth, ZIP code and county. Set January 1, 2027 as your start date if your plan ends December 31.
- Compare plans. Review the Med Sup plans you’re eligible for and their monthly prices side by side. Our Medigap overview explains how the plan letters differ.
- Start your application. The Medigap applications page lists each carrier’s online application, and you can also enroll by phone. Tell the carrier your Medicare Advantage plan is ending and have your notice letter ready.
- Apply early. The easiest way to have this processed before Jan 1, 2027 with no gap in coverage is to submit your Medigap and Part D drug plan application before Dec 7th (although technically you could wait until 63 days after your coverage ends)
Our help is free, and by law no one can offer you a lower price on the same plan. Medigap pricing is also covered in our Florida Medigap guide for year-round residents and snowbirds.
Ready to Compare Medigap Plans Before Your Window Closes?
Check your Medigap pricing online, then apply when you’re ready. Call 800-930-7956 if you’d like help after reviewing your pricing.