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Medicare Part D
Prescription Drug Coverage 2027
Medicare Part D Plans Florida 2027: 11 Drug Plans as MA Choices Shrink
Reviewed by Russell Noga, Licensed Medicare Insurance Broker (all 50 states) — Last updated November 1, 2026
Florida has 11 standalone Medicare Part D plans for 2027 in our count, from six sponsors: Humana, Wellcare, Florida Blue, UnitedHealthcare, Aetna SilverScript and HealthSpring. At the same time, the state’s Medicare Advantage plan count falls from 611 to 560, the largest decline of any state.
2027 by the Numbers
11
standalone Part D plans in Florida for 2027 (our count of CMS 2027 plan filings)
-51
Medicare Advantage plans in Florida, 611 in 2026 to 560 in 2027 (CMS)
6
companies sponsoring Florida standalone drug plans (our count)
Florida’s drug coverage story for 2027 has two halves. The standalone side is steady, with 11 plans available in every county because Florida is a single Part D region. The Medicare Advantage side is shrinking, which means some Floridians will get a notice that their plan is ending and will need a new way to cover prescriptions.
Plan counts on this page come from our count of the CMS 2027 plan benefit files; Medicare Plan Finder counts can differ slightly. Federal limits, such as the $700 deductible and $2,400 cap, are on the 2027 Part D hub.
Key Takeaways
- Florida loses 51 Medicare Advantage plans for 2027, the biggest drop in the country, according to CMS state data.
- Our count shows 11 standalone Part D plans statewide, the same list in Miami-Dade and the Panhandle.
- Florida Blue files two standalone plans: BlueMedicare Complete Rx and BlueMedicare Premier Rx.
- Florida is one of the states where Aetna’s SilverScript Choice is offered for 2027.
- SHINE, run by the Florida Department of Elder Affairs, provides free Medicare counseling.
Florida's 2027 Medicare Advantage Contraction
| Florida measure | Figure | Source |
|---|---|---|
| MA plans, 2026 to 2027 | 611 to 560 | CMS state fact sheets, reported September 2026 |
| MA plans filed for 2027 | 554 individual plans | Our count of CMS 2027 plan filings |
| Special needs plans | 251, or 45% of the total | Our count |
| Plans with a Part B giveback in the name | 70 | Our count |
| Counties with the most MA plans | Hillsborough 118, Pasco 114, Pinellas 112 | Our count |
| Counties with the fewest | Union 14, Suwannee 13, Monroe 2 | Our count |
Our count uses individual plans in the CMS plan benefit files and may differ from the CMS fact sheet total, which uses its own counting rules.
Monroe County, which covers the Florida Keys, stands out. With only 2 MA plans in our count, standalone Part D paired with Original Medicare is a bigger part of the picture there than in Tampa Bay.
If Your Medicare Advantage Plan Is Ending
1
Read the non-renewal letter. Plans that leave must send notice in the fall. It explains the date coverage ends.
2
Pick a new path. Choose another MA plan with drug coverage, or Original Medicare plus a standalone Part D plan.
3
Use the extra time if you need it. A plan that is not renewing generally gives members a Special Enrollment Period that runs past December 7, into early 2027.
4
Check Medigap rights. Losing an MA plan that leaves your area gives you a federal guaranteed right to buy certain Medigap policies without health questions, within set time limits.
5
Do not leave a gap in drug coverage. Going 63 days or more without creditable drug coverage can add a late enrollment penalty.
The 11 Standalone Drug Plans in Florida
Humana: 3
Basic Rx, Value Rx and Premier Rx
Florida Blue: 2
BlueMedicare Complete Rx, BlueMedicare Premier Rx
UnitedHealthcare: 2
Medicare Rx Preferred and Medicare Rx Saver from UHC
Wellcare: 2
Wellcare Classic and Wellcare Value Script
Single-plan sponsors in Florida
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Aetna: SilverScript Choice
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HealthSpring: HealthSpring Assurance Rx (HealthSpring is the former Cigna Medicare business, now part of Health Care Service Corporation)
Source: our count of CMS 2027 plan filings. Premiums, deductibles and tiers differ by plan, and not all plans cover every drug. The 2027 Part D premium page explains how plan premiums are set.
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Florida Blue's BlueMedicare Rx Plans
Florida Blue standalone (PDP)
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BlueMedicare Complete Rx and BlueMedicare Premier Rx
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Available statewide with Original Medicare
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Separate from any Medigap policy
Florida Blue Medicare Advantage
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Filed under Florida Blue and Florida Blue HMO
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39 plans combined for 2027 in our count
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Drug coverage built in; county-based
Florida Blue is the state’s Blue Cross Blue Shield company and the only regional Blue sponsor in Florida’s standalone lineup. Benefits for its two PDPs may change for 2027, so compare each plan’s Annual Notice of Change or Evidence of Coverage.
Part-Year Florida Residents
Two homes, one plan: a standalone Part D plan is tied to the region of your permanent address. If Florida is your permanent home and you spend months in another state, ask the plan which pharmacies outside Florida are in network and whether mail-order delivery is available.
Changing your permanent address to or from Florida opens a Special Enrollment Period for a new plan. If you are moving out of Florida, the companies may be the same but the plans and prices will not be; the state-by-state comparison shows each state’s lineup.
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Part B Givebacks Versus Drug Costs
| Question | Giveback MA plan | Original Medicare + standalone PDP |
|---|---|---|
| Lowers your Part B premium? | Yes, by the plan’s stated amount | No |
| Includes drug coverage? | Usually, depending on the plan | Yes, through the PDP |
| Network rules | County-based networks | Any doctor that takes Medicare; pharmacy network for drugs |
| Best test | Total yearly cost including drugs | Premium + Medigap + estimated drug costs |
Our count finds 70 Florida MA plans with giveback in the name for 2027. A giveback reduces the Part B premium; it does not lower drug copays.
SHINE and Other Florida Help
Free and low-cost resources in Florida
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SHINE (Serving Health Insurance Needs of Elders): free, unbiased Medicare counseling from trained volunteers through the Florida Department of Elder Affairs and local Area Agencies on Aging.
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Extra Help: the federal program that lowers Part D premiums and copays for people with limited income and resources.
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Medicare Savings Programs through Florida Medicaid, which can also qualify you for Extra Help.
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Florida does not appear on the Medicare Rights Center’s chart of state drug assistance programs for seniors, so federal programs are the main help.
The Bottom Line
The Bottom Line
Florida keeps 11 standalone Part D plans for 2027 in our count while losing 51 Medicare Advantage plans, the most of any state. Anyone whose MA plan is ending has extra time and Medigap rights to rebuild coverage. SHINE counselors can compare drug plans for free before the deadlines.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY 1-877-486-2048) to get information on all of your options.
Frequently Asked Questions
➤ How many standalone Part D plans are in Florida for 2027?
Eleven, in our count of CMS 2027 plan filings, from Humana, Wellcare, Florida Blue, UnitedHealthcare, Aetna SilverScript and HealthSpring.
➤ Why is Florida losing Medicare Advantage plans in 2027?
CMS data show 560 MA plans for 2027, down from 611. Companies decide which plans to file each year, and several pulled plans from Florida counties.
➤ What happens to my drug coverage if my Florida MA plan ends?
Your drug coverage ends with the plan. You can join another MA plan with drugs, or Original Medicare plus a standalone Part D plan, and a Special Enrollment Period generally gives extra time.
➤ Does Florida Blue sell a standalone Part D plan?
Yes. For 2027 it files BlueMedicare Complete Rx and BlueMedicare Premier Rx.
➤ Is SilverScript available in Florida for 2027?
Yes. Florida is one of the 20 regions where Aetna filed SilverScript Choice for 2027 in our count.
➤ What is SHINE in Florida?
Serving Health Insurance Needs of Elders, the state’s free Medicare counseling program run through the Department of Elder Affairs.
➤ Are Part D plans the same in Miami and Pensacola?
Standalone plans are, since Florida is one Part D region. Medicare Advantage choices differ by county.
➤ Does Florida have a state program that pays for Part D drugs?
Florida does not list a general state pharmaceutical assistance program for seniors. Extra Help and Medicare Savings Programs are the main options.
ZRN Health & Financial Services, LLC, a Texas limited liability company.
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